Penalty for Driving Uninsured Nevada NV

Reader’s Question:

I live in Nevada and recently got into a car accident. It wasn’t my fault and I have auto insurance, anyway, but the other driver doesn’t. What will happen to the other driver?

George

Carson, NV

Penalties in various states range from license suspension, fines and/or forced compliance to the state’s financial responsibility laws. According to the Nevada Auto Insurance Law, if someone operates a motor vehicle without auto insurance and gets into an accident, then the registration of the car and the license of the driver will be cancelled. The other driver will then be required to present a proof or certification of future financial responsibility if in case he or she gets involved in an accident in the future and is again found to be at fault. The form SR22 will be filed to show that this uninsured driver now has car insurance coverage for his driving privileges to be restored.

The type of coverage that needs to be purchased will be based on the State of Nevada’s minimum insurance requirements. This coverage is called 15/30/10. These numbers stand for fifteen thousand dollars bodily injury coverage for a single passenger and up to a combined total of thirty thousand dollars bodily injury for all passengers involved in the accident. An amount of ten thousand dollars maximum will be allotted for destroyed property. Failure of the other driver to comply with this car insurance requirement may mean complete revocation of the car registration and driver’s license.

Tags: car insurance law, sr22 car insurance, SR22 Form, sr22 insurance

Automotive Insurance Claims Processing in Louisiana LA

Reader’s Question:

How are automotive insurance claims processed here in Louisiana?

Eliza

Shreveport, LA

In Louisiana, there are different ways of processing a claim, and you have to familiarize yourself with each detail or step in order to lessen the frustration when a claim is pursued. First of all, you need to notify your car insurance company about the incident that caused damages to you or to the other party involved. A company agent will be assigned to check if the damages brought by the incident are covered by your automotive insurance policy. Once your policy’s coverage is confirmed, an investigation will take place to check on the parties involved. This will determine who the person responsible for the losses incurred is. A series of interviews with all parties and with the witnesses, as well as the incident report from the police, will all be used to support the conclusion of who’s at fault in the incident.

If you have been found at fault, your auto insurance company will be made liable for the expenses brought about by the incident. The auto insurance company will only pay for the damages that arise from the covered loss. However, for those that are beyond the policy coverage and are not related to the accident, you will have to personally settle.

The cost of the financial obligations will be determined after the claims adjuster has reviewed the damages to the property and the bodily injuries. By this time, all the medical bills, prognosis (for projected future expenses), and lost wages would have to be factored in to determine the amount that should only be paid for before the claim is settled.

The last step is the pay out of the damages to the claimant. If the claims adjuster and all the other parties involved were able to settle the claim in a way that all concerned are satisfied, then a lengthy claims process may be avoided. However, if it turns out otherwise, it would be best to seek out legal advice.

Tags: auto insurance claims, auto insurance policy, Car Insurance Company

Needed Information for Car Insurance Missouri MO

Reader’s Question:

My insurance provider here in Missouri asked how long I’ve had my car insurance. Why do they need this information? Is it relevant?

Janet

Columbia, MO

Don’t be too surprised Janet. It is quite normal for car insurance companies to ask the policy holders about the length of time they have had their insurance policy. This is simply a way for them to determine a personalized rate for you. You see, your insurance provider has no way of knowing who you really are, so they need palpable information, such as your insurance history, for them to decide a specific premium rate for you.

Basically, insurance companies look for consistencies or inconsistencies in your car insurance coverage. They equate continuous coverage with low-risk drivers. Meaning, people with intervals in their car insurance coverage might be charged with higher rates because they have a higher risk for accidents. Even a one day break in your car insurance coverage can make you seem high risk to insurance companies. So, if you’re planning to buy new car insurance, don’t forget to buy the new policy before canceling the previous one. Anyway, it is illegal to drive without insurance and getting caught may lead to cancellation or revocation of your driver’s license or license plate.

Call your local agent, so you can discuss with your insurer there in Missouri about the rewards or perks that you can claim for having a good driving history! Try shopping online for free car insurance quotes, too!

Tags: auto insurance coverage, auto insurance policy, car insurance quotes