Cheapest DUI Auto Insurance Jacksonville Florida FL

Reader’s Question:

I received a ticket for intoxicated driving and I am 22 years old and was wondering about how much my vehicle insurance will go up in Jacksonville Florida?

Alice

Jacksonville, FL

Intoxicated driving is considered a serious offense by insurance carriers and thus makes you more of a risk to them which will then cause your car insurance rates to increase. An individual that drives while intoxicated is more likely to have an accident than an individual that do not.

The Illinois Secretary of State, a driving under the influence (DUI) can subject you to high-risk car insurance rates for 3 years. According to the Illinois SOS DUI Fact Book high risk insurance for an individual convicted of a DUI averages an additional (over their normal auto insurance costs) $1500 per year.

With a major violation like this on your driving record and the needing to file a SR-22 car insurance you may not be able to find automobile insurance with a standard insurance company. Generally, a standard insurance company will provide better car insurance rates for those with clean driving history and may not offer competitive rates for those with DUI and other serious related offenses or bad driving history.

The best way to find the cheapest rates after you have been convicted of a DUI is to shop around and comparison shop here to get reasonable quotes in Jacksonville Florida.

Make sure you ask for any insurance discounts that are available to you such as safety features on your vehicle, anti-theft devices, traffic courses or driver improvement, etc.

 

Tags: auto insurance, DUI, sr22 insurance

Motorcycle Insurance Delray Beach Florida FL

Reader’s Question:

My motorcycle is registered in Delray Beach Florida. I am wondering if I go to another state with my motorcycle that require insurance, can I still have problems if I get pulled over by law enforcement even though it does not require that you have motorcycle insurance in Florida?

James

Delray Beach, FL

Yes, you can have problems if you drive your Florida registered uninsured motorcycle in a different state that require motorcycles carry insurance on them.

When you visit other states you are mandated to follow their insurance laws and if carrying auto insurance on a motorcycle is one such law you need to abide by it. If one has car insurance on a bike normally it will conform to the laws of other states that you drive in so you will be covered and therefore another state does not cite you for operating without insurance on your out of state registered car. But if they require car insurance and you fail to provide one, thus in their eyes may not be able to pay for damages you may do to another party, you can be ticketed driving without insurance.

Keep in mind while motorcycle insurance is not required to register a motorcycle in Delray Beach Florida if a motorcycle operator is charged in an accident with injuries, then the owner/operator is financially liable for bodily injuries and property damage to others.

 

Tags: auto insurance

Driving Without Auto Insurance Fort Lauderdale, Florida FL

 

Reader’s Question:

I hit a parked vehicle and I do not have car insurance Fort Lauderdale, Florida. The other party has uninsured motorist coverage. If she pays the deductible and gets her vehicle fixed do I still have to pay their insurance provider for the damages?

Rex

Fort Lauderdale, FL

Insurance carrier guidelines vary but if the individual that you hit uses their own auto insurance policy to repair the damages to their car then yes, normally the insurance provider will subrogate with you for the monies they have paid out for the damages you caused.

In Florida the HSMV states that when you had caused property damage only in an accident at are at fault and were driving without insurance you first should get the state required insurance coverages. Then with the car insurance coverage and releases or monthly repayment agreements, you will be able to give them upon notice from the Department to avoid driver license, tags, and registrations suspension.

So, if you failed to pay back the insurance provider or get a payment agreement worked out with them than your drivers license, registration and tags could be suspended.Your state’s DMV could tell you the penalties for not repaying the insurance provider upon their request.

 

Tags: auto insurance, driving without insurance

Comprehensive Auto Insurance Florida FL

Reader’s Question:

I would like to know if a broken windshield covered under my car insurance policy deductible?

John

Coral Springs, FL

In most states you have to buy Comprehensive coverage that has Full Glass or Full Windshield Coverage in the deductible section. In some states do not offer this at all. In Florida it includes windshield coverage when Comprehensive coverage is bought regardless of the deductible option chosen. Under most situations your front windshield is covered if you have full insurance coverage.

The term full coverage typically includes collision and comprehensive coverage.

In some states, with full coverage you do not have a deductible for the front windshield, but all other windows are subject to the deductible.

If you only have liability insurance on your car you will have to pay out of your own pocket for the replacement of your windshield, since it is not covered by your car insurance policy.

 

Tags: auto insurance

Vehicle Insurance Davie Florida FL

Reader’s Question:

I live in Davie Florida and I do not have a vehicle or auto insurance. My dad is giving me his vehicle. My father lives in Michigan and that is where the vehicle is currently registered and insured. What so I have to do to insure and register the car here?

Don

Davie, FL

It would sound that you have a FL license, which will help you obtain car insurance and register the vehicle in your resident in Davie, FL. The FL Department of Highway Safety and Motor Vehicles (HSMV) lists exactly how to register a vehicle in this state.

When registering a car in FL you need to submit the original title and proof of FL insurance to the license plate agency or local county tax collector. FL insurance means that the insurance policy has been issued in FL by an insurance carrier licensed by the FL Department of Insurance to do business in Florida.

You need registration to obtain car insurance but you need insurance to obtain a registration.

 

Tags: auto insurance

Auto Insurance Fountainbleau Florida FL

Reader’s Question:

Do I have to have a Drivers license in Florida to obtain auto insurance on my vehicle in Fountainbleau FL?

Jordan

Fountainbleau, FL

Insurance carrier’s guidelines very however most will permit you to obtain insurance on your FL registered car without having a FL drivers license. If you live in Fountainbleau Florida though you will want, and be required by Florida statutes, to get a Florida license.

It is understood there are cases in which you will have a vehicle registered in FL but carry an out of state driver’s license. These circumstances could include situations such as a college student who has bought a vehicle in Florida but has a license from their home state or an individual who purchases a vehicle to keep at their FL vacation house while keeping their license from their permanent state of residence.

 

Tags: auto insurance

Teen Auto Insurance Deerfield Beach Florida FL

 

Reader’s Question:

My 16 year old daughter can’t get car insurance policy of her own without a parent also signing in Deerfield Beach FL. If we sign for her, can we be held liable in case of accidents or settlements, etc?

Andrew

 

Deerfield Beach, FL

 

I am not a lawyer so I cannot definitely inform you how the exact responsibility or liability you will have for signing a parental consent form first for your 16 year old daughter to get a driver’s license in Deerfield Beach FL and then sign on their car insurance policy. I can tell you however that usually by signing on with your teen on an insurance document that you are accepting liability just as if you were the motorist if they were in an accident. This means your assets could also be at risk by the actions of your teen.

To get specific law regarding your liability and responsibilities for signing on a car insurance policy with your sixteen year old daughter, you may contact a Florida attorney that works in this area of law. In the state of Florida the consumer division of the insurance regulator for the may also be able to provide you information on this issue.

 

 

Tags: auto insurance, Beginner car insurance, teen insurance, Young driver car insurance