Reader’s Question:

If I have collision and comprehensive on my vehicle. Last night someone stole my money from my car. Will on this be covered?

Harry

Bristol, CT

No, most car insurance policies would not cover any money stolen out of your automobile. Personal items in your car are not normally covered by your vehicle insurance coverages if they are stolen.

If the vehicle itself was stolen your comprehensive coverage will cover the vehicle. Even under this comprehensive coverage though any money was taken it would not be covered if stolen from your automobile. Personal items taken from a vehicle are usually just not covered by a typical car insurance policy.

You may see if homeowners or renters policy will cover this. Remember that most car insurance policies have a $1000 coverage limit on expensive personal things such as cameras, musical instruments, jewelry, furs, and fine art. You may be able to buy additional coverage for these personal items if you find think this is needed. You will have to speak with your car insurance agent for renter’s or homeowner’s insurance regarding this.

Tags: auto insurance, collision insurance coverage, comprehensive insurance coverage

Reader’s Question:

My son recently moved in with his friend in New Britain, Connecticut and is obtaining his own automobile insurance. If he allow his friend to operate his vehicle and his friend is not on his car insurance policy and gets into an accident, will his car insurance cover the accident?

Paulo

New Britain, CT

Typically auto insurance follows the vehicle first and driver will be secondary. So if your son allows the friend to operate his car usually that person is covered by his insurance, unless he specifically excluded his friend on his car insurance policy.

However, if your son lives with his friend, in the same household in New Britain, Connecticut, normally, car insurance companies require all household members to be on the car insurance policy unless the friend is specifically excluded. So basically if your son lives on the same house with his friend he will need to tell his insurance company about this, otherwise if his friend gets into an accident while driving your son’s vehicle, his car insurance may not cover the accident. It is advisable that your son contact his car insurance company to make sure so that his friend will be properly covered while operating your son’s vehicle.

Tags: auto insurance

Reader’s Question:

What is going to happen to me if I get caught driving under age in Danbury, Connecticut?

Josh

Danbury, CT

According to Connecticut laws the penalties for driving a car without a drivers license, violating the driving requirements for sixteen and seventeen year olds, operating a vehicle when under sixteen or violating other licensing provisions differ depending upon if it is your first violation or not.

According to Connecticut laws a first time violation comes with a fine of $75 up to $90. Subsequent violation for this offense can come with penalties that may include up to thirty days jail time and a fine of $250 up to $350. The Connecticut law goes on to say that if an individual was previously convicted of these violations they can be required up to 100 hours of community service or be fined an additional $500. In addition if two previous violations have been violated there will be an additional mandatory ninety days imprisonment.

Even if you are a teen with a learner’s permit in Danbury CT you can be cited for driving without a drivers license if you drive a car against your restrictions.

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