Auto Insurance Claims Indiana
Reader’s Question:
How long does it take for an insurance carrier in Hammond, Indiana to pay an insurance claim after you report your vehicle is stolen?
Robert
Hammond, IN
Insurance claims should be paid timely.
Several factors determine how long it will take for your insurance claim to be paid. Your insurance claim should be organized and managed from the beginning so that you can have a rental vehicle (if applicable).
Most insurance providers in Hammond, IN have a 48 hour waiting period in the event of a theft. After that, your insurance claims adjuster will start processing your insurance claim. At any moment you should be able to contact your insurance claims representative and ask how long it will take to process and pay your auto insurance claim.
Car Insurance Policy Indiana
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.
Car Insurance With DUI Indiana
Reader’s Question:
I live in Indianapolis, Indiana and I just want to know how long does a DUI stay on your driving record in my state?
Arnold
Indianapolis, IN
The official driving record in Indiana includes information on:
* Issued tickets both in Indiana and other states that are part of their reporting network.
* Accidents and/or ticket for which the motorist failed to provide proof of financial responsibility.
* Major offenses like as driving under the influence of alcohol or drugs (DUI) or being a habitual traffic violator (HTV).
It looks like that according to Indiana’s Bureau of Motor Vehicles that while points for traffic infractions will only stay active on your motor vehicle record (MVR) for two years, that traffic offenses and serious vehicular offenses, such as a DUI, continually stay on your record. You can check with the IN Bureau of Motor Vehicles to verify this information.
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Cheap Indiana Car Insurance
Reader’s Question:
If I drive without insurance in Indiana and get caught, what will be the penalties? Can you send me a cheap car insurance quote?
Tom
Fort Wayne, IN
According to Indiana Legislative Code 9-25-4-1 a person in Indiana may not register or operate a motor vehicle if financial responsibility (FR) is not in effect for the car. The operator of a vehicle that is without insurance in Indiana is subject to a 90 day license suspension or a year suspension if this is a subsequent violation of the FR law within three years.
Driving without car insurance in Indiana is a Class A infraction, unless you have had prior convictions for this infraction then it is considered a Class C misdemeanor. Other than getting your license suspended, the operator of an uninsured vehicle could also be assessed points according to IC 9-25-8-5. The number of points assessed shall be determined by the point study committee based on an assessment of the situation.
You may contact the IN Bureau of Motor Vehicles to get more information on penalties for driving without insurance in Indiana .
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