Car Insurance Hollywood Florida FL

Reader’s Question:

Can you own a vehicle that will not be driven such as parts car without insurance on it in the Hollywood, Florida?

Steven

Hollywood, FL

The Florida Department of Highway Safety and Motor Vehicles states that if you own a car with at least 4 wheels and are registering it, you must have FL car insurance. Therefore all registered vehicles in Florida require Florida car insurance.

Since a parts car is not likely to be registered it may be possible to keep this inoperable vehicle without insuring if it is not being used and if it is kept off of public highways and if your county permits it. According to the HSMV site some counties in FL require that all cars remain registered, if this is the case in your area in Hollywood, Florida then you will need to keep the vehicle registered and insured.

You may also contact the Department of Highway Safety and Motor Vehicles to find out for sure if you are able to keep an inoperable vehicle (parts car) without having it registered or insured.

 

Tags: auto insurance

Auto Insurance Question Boynton Beach Florida FL

Reader’s Question:

Should I include a friend of mine coming from France in my insurance policy if she wants to drive my vehicle?

Rick

Boynton Beach, FL

 

Between different insurers and states, the answer could be different.

The general rule is that you should disclose all motorist to your insurance provider.

I you fail to disclose all licensed drivers, who are residents of your household, including those with a learner’s permit, and all violations and accidents attributable to any of these drivers, may result in voidance of coverage, cancellation of the policy, non-renewal of the policy or additional premium. Any individual who knowingly and with intent to injure,deceive or defraud, any insurance company, files a statement of claim or an application containing false, misleading or incomplete information, is guilty of a felony of the 3rd degree in Florida.

So, all household residents must be disclosed or listed. If an individual is not a household resident and you give them permission to operate your vehicle then they should be covered by your insurance policy.

The easiest way to check is by calling your insurance company in Boynton Beach, FL and ask them their requirements.

 

Tags: auto insurance

Auto Insurance Rates Deerfield Beach Florida FL

Reader’s Question:

Is there ever a a way of removing off points from my drivers record in Deerfield Beach FL?

Frank

Deerfield Beach, FL

When you receive certain types of traffic violations in Florida you may elect to attend driver improvement class or traffic school to keep points off your driving record. The HSMV states that the one benefit that come with this choice is that your auto insurance rates in Deerfield Beach cannot go up, though if you have a safe driver discount your insurance carrier may choose to remove this from your insurance policy.

Other advantages are that the fine is reduced up to 18% and points are not added to your driver license record. In Florida, you can only choose this option for traffic violations five times in a lifetime and cannot have made this same election in the preceding twelve months.

To verify if points are ever totally removed from your Florida driving record or if if there are other options of how to reduce points, you may contact the FL HSMV.

 

Tags: auto insurance, autos, car insurance rate

License Suspension Question In Florida FL

Reader’s Question:

My girlfriend had a clean driving record until recently when she receive her first speeding ticket and received five points on her license. She moved to Pennsylvania and she still has a Florida license. I would like to know if her license get suspended and will this affect her obtaining her PA license?

Marla

Boca Ciega, FL

According to Florida statutes, you receive points on your license for out of state tickets or violations in Florida if it is a points accessible violation . The motorist will receive the same number of points as if the conviction occurred in state.

North Carolina and Pennsylvania including Florida are all part of the Drivers License Compact and Non-Violators Compact so each state shares violation information. As long as your girlfriend takes care of these speeding tickets properly, generally they should not affect her being able to exchange her Florida license for a Pennsylvania license.

To check what procedures you need to follow to obtain a Pennsylvania license contact the Pennsylvania Driver and Vehicle Services.

 

Tags: advice, automobile, Driving without License

New Driver Insurance Boca Ciega Florida FL

Reader’s Question:

I live in Boca Ciega Florida and I would like to know at what age can I start driving a vehicle? I am only 15 year old.

Mark

Boca Ciega, FL

The age at which you may legally start to drive a vehicle will differ from state to state or if you are not in the US, it will vary depending on the territory, providence, or county. The average age at which US states permit for a new driver to drive is 15 or 16. Typically, the youngest age in the US at which you can drive appears to be 14 years old in South Dakota who can apply for an instructional permit.

In Boca Ciega Florida you can obtain a learner permit at fifteen, in California you can obtain a provisional permit at 15 1/2, in Texas at fifteen you can get a driver’s permit and . You must be sixteen or over to operate a vehicle in New York State. Other states such as Kentucky, New Hampshire, Missouri also require you to be at least sixteen years old.

 

Tags: New Driver Insurance

Senior Car Insurance Clearwater Florida FL

 

Reader’s Question:

I am aware of a an 80 year old driver that is driving without insurance and an expired license in Clearwater, Florida. Also his driving ability is not safe very at all. Is there any way to get law enforcement involved? We feel he will take this much better if we can turn it into a legal case and not us taking away his vehicle.

Jim

Clearwater, FL

It sounds like you are taking the proper steps to provide the senior driver the transportation they need once their car has been taken away. In most states there are ways in which to have the law enforcement involved, especially if the individual is not carrying insurance nor has a valid license. Typically you can obtain this information from your DMV or Highway Safety Agency.

The state of Florida permits for those that know of an unsafe driver to make a report to the DHSMV. The report has to be in writing and provide specific details of the individual. These reports are kept confidential and shall only be used to know the qualifications of the person to operate a car.

 

 

Tags: auto insurance, automobile, senior car insurance