Late Car Insurance Payments Connecticut CT
Reader’s Question:
I’m late for my car insurance premium payments here in Connecticut. What will happen to my car insurance policy?
Nicolette
Bristol, CT
The possibility of cancellation is very likely if you fail to pay your car insurance premiums on the due date, and some companies in Connecticut will consider cancellation even if you’re only a day late in your payments. Check Connecticut’s insurance laws if it is permitted in your state for an insurance company to cancel your policy right away for failing to pay premiums. Usually, insurance companies have a certain period of time allotted for late payments, and they will notify you if your policy is being cancelled.
Don’t be disheartened by this fact because insurance companies will let one circumstance slide in order to continue business with you. But if you continually forget paying on the due date, the insurance company will be forced to terminate your policy. Late payment fees are often added to your premium payments making it more expensive for you. Moreover, a cancelled policy may take some time to be reinstated after you’ve paid all you’re previous premium balance.
Your credit score may also be affected should your car insurance policy be cancelled, which in turn could lower your chances of getting a policy with a different car insurance company. Make sure you call your local insurance provider if you won’t be able to pay your premiums on time to avoid cancellation. I’m sure you and your insurance provider can come up with more flexible payment method.
If you really have a very hectic schedule, there are many car insurance companies in Connecticut who accept premium payments over the internet. If you want, you can contact your bank and inquire about how you can set your account to automatically pay your car insurance premiums on the due date assigned.
Tags: auto insurance policy, auto insurance premium, car insurance law
Driving Without Automotive Insurance Connecticut CT
Reader’s Question:
I got in an accident here in Connecticut. I was hit by a van at a red light. I am not insured, but the other driver is. Will I be covered by his auto insurance?
Janice
Hamden, CT
Typically, if the other party is proven at fault, his automotive insurance would cover the damages brought by the accident. A licensed claim adjuster would assess the situation by getting your version of the incident, as well the other driver’s version. Along with these, other facts and information that are relevant to the incident would also be gathered and reviewed in order to assess the situation fairly. Once the claims adjuster has come up with a decision, he or she will report this to the other driver’s automotive insurance company for further actions.
Since this incident has to be reported to a law enforcer, you may get a citation from the officer for driving without automotive insurance. In most states, including Connecticut, every driver is required to carry the insurance of the vehicle he is driving. If you are caught driving a vehicle without the capacity to show proof of insurance, you may face certain penalties such as monetary fine. It is also possible that your license will be suspended as penalty for this violation. Normally, if your license gets suspended, you would have to get SR-22 insurance in order to get your license reinstated. The SR-22 insurance is a liability insurance that shows proof of financial responsibility under the minimum coverage required by the state.
Tags: driving without insurance, liability insurance, sr22 car insurance
Car Insurance Coverage Bridgeport, Connecticut CT
Reader’s Question:
I’m about to surprise my son on his birthday and give him my old car. It’s complete with registration and car insurance I got in Bridgeport, Connecticut five months ago. Do I have to insure the car again just because he’s going to own it soon? Seven more months down the drain, is it?
Helene
Bridgeport, CT
Hi, Helene. Wow, that is so fantastic. Can you be my mother just for my up and coming birthday? I’m only kidding. Seriously now. Okay, here’s the catch, my dear Helene. Car insurances are actually very much like car registrations that you have to renew on a yearly basis, no matter how much we hate doing it. Now, when you got your car insurance about five months ago, the car insurance coverage was under your name, so it only addresses any liability that involves you and you alone. I have a pretty good idea why you’re asking this. You have got seven more months to go, and really it is a pity to see the bigger chunk of what you paid for go to waste. However, I do not think that these insurance policies are transferable. The only rational thing I feel you should do is to register your son under that existing insurance as someone who uses the vehicle often. Then that solves your problem by getting enough coverage for your son while at the same time retaining the same existing car insurance policy that you have right now. Visit your insurer in Bridgeport, Connecticut for complete details. The only drawback to this is that you won’t be able to transfer the car registration to your son’s name just yet. Guess you’ll have to wait another seven months to be able to do that.
Tags: auto insurance coverage, car insurance
Vehicle Insurance Coverage New Britain, Connecticut CT
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
Young Driver Vehicle Insurance Danbury, Connecticut CT
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
Collision Insurance Coverage Norwalk Connecticut CT
Reader’s Question:
My husband’s vehicle was hit while parked in Norwalk, Connecticut. He did not see who hit the vehicle. Is this covered by collision on our car insurance policy?
Mary
Norwalk, CT
This hit and run incident that damaged your husband’s vehicle in Norwalk, Connecticut would be covered by your collision coverage.
Collision covers damage to your vehicle when your automobile hits, or is hit by, another car, or another object. This type of insurance coverage pays to fix your car less the deductible you choose. This coverage is limited to the terms and conditions contained in your car insurance policy.
Liability coverages would not apply here since they only cover others that you may damage. So if your husband had hit a vehicle in the parking lot then your property damage liability (PDL) would cover the damages to the other car and bodily injury liability (BIL) would cover any injuries the driver or passengers of the other car would have sustained.
Since you are using your collision coverage to fix the damages to your car then a deductible will be due. It may be helpful to your car insurance claim if your husband was able to have a police report for the hit and run damage.
Tags: auto insurance claims, car insurance, collision insurance coverage
Vehicle Insurance Question Manchester, Connecticut CT
Reader’s Question:
If I have a vehicle that I do not drive in Manchester, Connecticut, do I need to have insurance on it?
Karen
Manchester, CT
In the state of Connecticut if you do not want to pay auto insurance on an automobile that is inoperable or being stored in Manchester, Connecticut you must turn in your license plates to the Department of Motor Vehicle and request that they be put on hold. At that time, you may drop auto insurance coverage on the automobile. When you are going to once again operate the vehicle you would need to tell the Connecticut Department of Motor Vehicle and get insurance on the automobile.
Verify with your state’s Department of Motor Vehicles to know exactly what state laws permit for in your situation. Do not remove car insurance without contacting your Department of Motor Vehicle and likely turning in your license plates and registration. If you do remove auto insurance without turning in your license plates and registration then some states will cite you and penalize you for a lapse in car insurance.
Tags: auto insurance lapse, car insurance
Automobile Insurance Claims Fairfield, Connecticut CT
Reader’s Question:
Do I have to pay my deductible to have another vehicle fixed that I hit if there was no damage to my automobile in Fairfield, CT.
Anna
Fairfield, CT
No, you do not pay a deductible amount to have another vehicle fixed if the individual whose vehicle you damaged makes an auto insurance claim against your car insurance policy in Fairfield, Connecticut for the damages you caused in an accident.
If you are at-fault in an accident and the other driver makes an insurance claim against your property damage liability (this is what a third party claim called) then there is no deductible amount due by either you or the other vehicle owner. Your liability insurance pays for the damages without you owing a deductible.
If your own car was damaged and you used your collision coverage insurance then the deductible you had associated with this physical damage coverage would then be due.
Tags: auto insurance claims, car insurance
Auto Insurance Claims Manchester, Connecticut CT
Reader’s Question:
What do I do if my automobile is vandalized in Manchester, Connecticut?
Vince
Manchester, CT
The most essential thing to remember with any act of vandalism in Manchester, Connecticut is to leave your vehicle the way it is until the law enforcement officer and/or our appraiser have the chance to inspect the car. Notify the law enforcement officer immediately, so that they can issue a police report documenting the damage on the car. This also assist local authorities keep track of vandalism in Manchester, Connecticut, which assist them do more to protect you and your community in the future. With most insurance companies, as soon as possible after contacting the law enforcement, you can report the incident by using online car insurance claims. In addition to that if you have a camera with you when you see the vandalism, take some photos of the damage in your vehicle.
Tags: auto insurance claims, car insurance
Cheap High Risk Insurance Glastonbury Connecticut CT
Reader’s Question:
I didnt have car insurance for a year and I was caught driving without insurance. I would like to know if I will have difficulty getting car insurance in Glastonbury, Connecticut?
Andrews
Glastonbury, CT
Obtaining car insurance may be a bit harder than if you had continuous insurance coverage since a break in insurance coverage can make you more of a risk to an insurance company as a driver, especially if your last car insurance policy terminated because of non-payment. But you should be able to obtain car insurance for you and your car in Glastonbury, Connecticut. You may be more of a high risk to an insurance provider now but if you keep insurance on your car and if you have a clean driving record and this time than as you prove yourself to be not as much of a risk to the insurance company your car insurance rates should go down.
The best thing to do to find cheaper insurance rates for auto insurance after having a lapse in auto insurance coverage is to shop around.
Loading ...