My brother has a record of drunk driving and until now he hasn’t included SR22 Filing in his insurance though many car insurance brokers have been calling him to include SR22 in his insurance. Are these car insurance useful and are they right regarding SR22 here in Indiana?

Ashley

Fort Wayne, IN

Car insurance brokers are not useless at all; they are somehow what we call our angels for they look for good car insurance company and car insurance coverage that best fit you. You don’t have to go around shopping for coverage and researching what is SR22 all about for they will give you the necessary information you need. Put this in mind, car insurance brokers won’t give you an advice about SR22 if you don’t have a record since this kind of accident would most likely to happen again.

Having a car insurance broker doing the boring job in your behalf is a good thing, you don’t need to be the one searching for coverage and comparing. Doing this takes a lot of time for you are going to determine how much you would pay for your car insurance. Determining how much you should pay for your car insurance in Indiana is not that simple for you have to know and understand well how to make your car insurance lower. A car insurance broker knows ways on how to cut down the cost of your car insurance premiums which is offering a higher excess and with this you will be able to pay less each year for your car insurance. Your car insurance broker will know every way on how to make your premium lower as well as the car insurance coverage that best fits you.

Tags: auto insurance, car insurance broker, SR22 auto insurance, SR22 filing

My sixteen year old daughter has a vehicle that is titled under my name and I would like to know if we can get the title and automobile insurance under her name. We live in Anderson, Indiana.

Robert

Anderson, IN

I did not find any information in Anderson, Indiana on minors not allowed to title, register and insure the vehicle under their name but generally a minor that is under the age of 18 must title and insure the vehicle with their parents or legal guardian with them. You may check if you can put the name of your daughter in the title as the secondary owner of the car and once she turns 18, you can transfer the full ownership to her.

As for the car insurance in Anderson IN, car insurance policy is a legal contract and most insurance carriers would require that teens under the age of eighteen have their parents of legal guardian sign the contract with them. As a parent, you will be held liable for your daughter’s negligent actions. Although your daughter may be able to register and get insurance under her name, you will be responsible for her until she turns 18.

Is my car covered if my auto insurance lapses in South Bend, Indiana? How long is it covered for?

Larry

South Bend, IN

With car insurance, there is no grace period. Normally if you do not pay then your car insurance policy will cancel at 12:01 AM of the day listed on your payment notice or expiration date from your automobile insurance carrier. If you do not pay and your car insurance lapses you do not have any insurance coverage. There is no grace period for you to be covered for you to obtain a new car insurance policy or reinstate your insurance policy.

If you let your auto insurance lapse and your insurance company reports this to your state’s Department of Motor Vehicles, which is required in many states, then you can face fines and penalties for disregarding car insurance laws. In most states you need to turn in your license plates and registration if you cancel or have a lapse in car insurance. If you do not do so then your driver’s license and registration can be suspended for a period of time. Some states just require you to pay a fee and show proof of car insurance after a lapse.

Do not let your car insurance lapse in South Bend, Indiana as much as possible. If it does and you are caught driving without car insurance or even worse at-fault in an accident you will face penalties for driving uninsured and be held personally liable for the damages you have caused since you did not have any auto insurance in effect.

We are from Elkhart, Indiana. My daughter is about to turn sixteen. She has never taken any driver education course and doesn’t have a learners permit. Can she still get her drivers license when she turns sixteen?

Dana

Elkhart, IN

You cannot obtain a license at just sixteen years of age in Elkhart, Indiana, you must have a learner’s permit first. Once your daughter have carried the learners permit for a certain amount of time she can apply for a driver’s license. If your daughter carries only a learner’s permit then she would have to wait until he is at least sixteen years old and 180 days old to obtain a driver’s license. If she would have started with an education learner’s permit then she could apply for a driver’s license when she is at least sixteen years and thirty days old.

To get more information about the licensing process in the state of Indiana you may contact the Bureau of Motor Vehicles. Make certain that when your daughter does start driving with a permit that you tell your insurance provider. Many insurers will allow you to wait until she is fully licensed to add her as a driver to the insurance policy but insurance guidelines differ and you will want to be certain that she is covered by your auto insurance when driving.

Reader’s Question:

Is it legal for someone to put a friend’s car on their auto insurance when they do not own the vehicle and it does not reside at their house? My cousin is doing this in Muncie, Indiana and I think its a bad idea.

Don

Muncie, IN

Yes you are right. It is a bad idea a lot of reasons. If the insurance carrier is not notified of who the real vehicle owner and main driver is, presumably the friend, then the person obtaining an insurance policy in this manner could in fact be illegal. Without your cousin having insurable interest in the car it may difficult for your cousin to insure the friend’s vehicle anyway.

In many states, such as Indiana, putting a vehicle on your insurance policy in order to save money in this manner could be considered insurance fraud. It would be misrepresenting the information to say that the vehicle was his and residing at his house if it really is his friends and is garaged at his friend’s house. His friend’s driving history should be part of the rating process since he is the owner of the car and driver in Muncie, IN.