Is it legal to not have Car Insurance in some states?

Most of the 50 U.S. states require or at least prefer every driver to have car insurance coverage. In the majority of these states, drivers who are caught driving without car insurance will have to pay state-specific consequences. However, there are two states where car insurance is optional (not mandatory).

According to, the two states that do not require insurance are New Hampshire and Washington.  In addition, drivers who live and commute in Virginia have the option to pay an Uninsured Motor Vehicle fee ($500) when paying for the car’s registration instead of purchasing liability coverage.  While this means that drivers in these states do not necessarily need insurance, drivers on the road are required to take financial responsibility, in the event of an accident.  Therefore, drivers in New Hampshire and Wisconsin who do not opt to have car insurance will be required to pay the high cost of damages, if an accident occurs. 

In these states, police officers do not need the driver to show proof of insurance during a traffic stop, but will be required to pay for the damage to any cars that are involved in an accident where they are ruled, at fault.  The governing forces in these two states believe it is not right to punish someone for a crime that they only have a possibility of committing. 

While full coverage car insurance is not mandated in New Hampshire and Wisconsin, due to the financial risk that is possible; most states mandate liability insurance, which pays for the vehicle and injuries of the other person, but not the policyholder.  The liability requirements for New Hampshire include a minimum of $25,000 for bodily injury to one person, $50,000 for bodily injury per accident and $25,000 for property damage.  The only difference in Wisconsin is that only $10,000 is required for property damage.  In addition, Virginia motorists who opt to pay the Uninsured Motor Vehicle fee are required to have a liability policy that covers at least $25,000 for bodily injury to one person, $50,000 for bodily injury per accident and $20,000 for property damage.  Virginia drivers are also mandated to have an uninsured motorist policy that covers at least $25,000 for bodily injury to one person, $50,000 for bodily injury per accident and at least $20,000 for property damage. 

It is important to remember that while insurance is not required, drivers who do not have insurance are at risk of having to pay more than the cost of coverage, should an accident occur.  Uninsured motorists run the risk of being found at fault, in the event of a car wreck, which may lead to a lawsuit being filed against them and they may be ordered to pay for injuries and property damage for anyone who may have been involved in the accident.  In addition, if the individual only had liability coverage, they are also responsible to pay for their own injuries and any property damage, if the accident was their fault.  If someone is not covered and is determined to be at fault for an accident, they are mandated to buy car insurance and to file an SR-22 that must be maintained for a mandatory three years after being convicted.  In most cases, this results in higher costs than if the individual had purchased and maintained a car insurance policy instead of operating a vehicle without coverage. 

Therefore, while drivers are able to drive without having a full coverage car insurance policy, it is typically better in the long run for drivers to purchase coverage rather than deal with the major financial risk that is possible.

Is it More Expensive to Insure Classic Cars?

Classic cars offer stylish authenticity like no other vehicle on the market, but many classic car owners (or prospective owners) may wonder what is involved in getting older cars insured. 

Classic car classification differs according to each insurance company standards.  Therefore, it is important to examine each insurance company’s definition of ‘classic’ before taking out a policy.  Several insurance companies will allow classic cars to be added to the standard car insurance policy; however, it is important to understand that doing this may increase the premium substantially.  In addition, in the event that the car gets in an accident or is stole, the minimum amount in the agreed value clause will not apply, which is why opening a specialty insurance policy is beneficial to classic car owners. 

If a claim is made, the market value on the insured car will determine the amount the policyholder will receive.  However, determining the market value on a classic car is often difficult.  The market price for the car is very sensitive and is known to differ as much as 50 to 500% of the market value.  Without having the agreed value clause in place, a classic car that is in perfect condition or is a limited edition will always fall short of getting the full amount that it is worth. Therefore, insurance companies may assign a lesser value to the classic car than the vehicle is actually worth and the policyholder will have to accept it.  Most insurance companies want to pay the least amount possible, especially standard insurance companies. 

It is important to remember that because of the high cost to repair or replace older, classic cars — a comprehensive vintage policy will be required.  The upside to insure classic cars however is the premiums for insuring this type of car is typically less expensive.  The reason the rate is lower is that many classic car owners keep relatively low mileage on these vehicles because this type of vehicle is primarily used for antique car shows.  Therefore, in order to get lowered rates, the insurance company requires the owner to abide by certain guidelines.  For instance, they will assign a mileage cap that the owner must not exceed on the car, the owner is required to take additional security precautions to the vehicle and limiting the amount of car shows that the car is entered into, in order to be covered by the policy in the event of a claim. In addition, classic cars are not regular targets of burglary, for the simple fact that they are easily identified. Another aspect that is important to note is if the vehicle is an unusually rare classic car, it will increase the rates because comprehensive coverage is will be necessary. 

While classic cars are fun to own and drive, they are often expensive to purchase and maintain.   However, classic cars generally require lower premiums because they are often not used as much as standard cars and they are not typically the target of burglary.

Can you add relatives to your car insurance?

Policyholders commonly wonder about adding family members to their auto insurance policy.  In the following information, we will discuss the possibility of adding a relative a car insurance policy, explain how it works and discuss the pros and cons. 

The most basic rule for auto insurance is that anyone who is living in the policyholder’s household should be included on the policy.  The insurance company will want to have a list of every driver in the household, so they can charge accordingly.  The reason the insurance company needs this information is to evaluate the risk the original policyholder being in an accident.  In fact, every insurer asks about the driving history of every member of the household. 

Adding other people (even relatives) to the insurance policy may or may not affect the rate of the premium.  Whether or not the rate will increase is dependent on certain factors.  If the individual has been driving for a long period of time and has a flawless (or decent) driving record, there is a significant chance that the premium rate will not increase.  On the other hand, if the driver being added is a new driver, a younger driver or has a flawed driving record, there may be a considerable increase in the premium. 

What factors raise the auto insurance premium?

*Drivers who are under 25 years in age — particularly it they are male.

*Drivers who have had tickets or accidents in the past three years (the increase is based on the amount of tickets or accidents and the severity of the driving infractions on their record, as well).

Moreover, adding a driver who has had serious driving offenses such as, a DUI or has a severely flawed driving record will place the policy in a high-risk category that may make the premium too expensive to pay for, which may lead to a lapse in coverage.  However, if a driver with a poor driving record is living in the household, it is possible to discuss a policy with the insurance company that will exclude that driver from coverage.  The insurance company will be more willing to consider exclusion as an option if the person living in the household has their own vehicle and insurance policy. 

It is important to note that family members who live in the household and drive the policyholder’s vehicle MUST be added to the policy, otherwise it is considered fraud.  In addition, if a claim is made and the non-listed individual was driving, there is a possibility of the claim getting denied and this type of fraudulent activity may result in the insurance policy being cancelled.  In addition, if the policy is cancelled it could lead to difficulty in being insured through other insurance companies and a substantial premium rate increase because of the high-risk status. 

Therefore, it is possible to add a relative (living in the household) to the auto insurance policy and in fact, it is the law.

What Does an Insurance Adjuster Do?

It’s common to hear the title — insurance adjuster, but what does this title mean?  In this article, we will explain the job description of an insurance adjuster and provide information about the process that is involved in this job, as well. 

Insurance adjusters are employed either by the insurance company or by an individual to settle claims on their behalf.  When an accident occurs, the insurance company sends the adjuster to the scene to assess the damage and to determine the amount of money needed to repair the damage of the insured car or home.  This individual evaluates and researches the details of the claim in order to make their own settlement recommendations to the insurance company. 

When evaluating a claim, the insurance adjuster overviews any pertinent information regarding the residence.  This information can include the location of the home, including the distance from the residence to the fire department.  A home that is more distant to the local fire department or water source is at a higher risk of sustaining damage caused by smoke and/or fire.  The length of time a home is on fire affects the cost to clean or repair it, therefore, the longer the home is burning, the more the cost will be to clean or repair it.  If the home is left too long without putting out the fire, the home may be considered a total loss. 

In addition, an adjuster overviews the size of the home, the building materials used to build the home and the structure to determine whether the insured has purchased enough coverage.  Moreover, the adjuster evaluates the crime rate in the area because the higher the crime, the higher the cost will be to insure the home. 

If the claim is for a vehicle, the insurance adjuster must contact various mechanics to determine the approximate cost of the parts and labor.  If the damages are more than the value of the vehicle, the damages will be written off.  If the vehicle is written off, the insurance will replace the cost of the vehicle based on its book value, which could be less or more than the actual value of the vehicle. 

The adjuster compiles the appropriate data and then overviews the applicant’s credit report to determine if the individual is capable of paying the premiums.  Applicants with an excessive amount of late payments or unpaid debts will have counts again them.  The reason for this is insurance companies believe that insured individuals with low incomes may have difficulty in paying their premium.  In addition, individuals with large amounts of debt compared to their income often have difficulty maintaining the payments for the premiums, as well.  If an applicant has bad credit, a higher premium will be suggested. 

In addition to examining the credit report, insurance adjusters also overview the claim applicant’s CLUE report, which provides information about past insurance claims in the last five years.  It’s important to remember that any claim (no matter how big or small) shows up on the CLUE report and can potentially count against a claim — ultimately leading to higher premiums or even denial of coverage. 

When the claim has been thoroughly evaluated, the insurance adjuster will suggest the appropriate amount that the insurance company must pay.  This process typically involves two quotes: the maximum determined amount it would take to have a top mechanic or construction company to make the repairs and the minimum amount (in the form of a cash settlement) to get the work done by the company or mechanic’s garage of their choosing.  When the person making the claim decides which option they prefer, the insurance company issues a check.  If the vehicle or home is paid off at the time the check is issued, they will receive the entire check.  However, if there are still payments on the home of vehicle, the check will be made out to the person making the claim and the lender. 

The insurance adjuster’s job description is simply to assess the damages and to determine the appropriate amount to cover the cost of the repair.

How Can your Driving History Lower Insurance Costs?

It’s important to practice safe driving, not only for safety purposes but also for cheaper insurance rates, as well.  In the following information, we’ll explain how having a good driving record can lower the cost of auto insurance. 

Several insurance companies offer a discount to safe drivers based on their past driving performances.  Individuals who have only a small amount of traffic violations and/or accidents on their record will receive a discounted auto insurance rate. 

Most states use a point system for individuals who have been ticketed for a moving violation.  Examples of common moving violations include speeding, running a red light, illegal U-turns and more.  When these points add up, they can result in higher insurance premiums and even cause a driver to lose their license.  Therefore, it’s important to understand this system and to discover how to get the best deal for auto insurance. 

The specifics are different for each state, but most point systems operate in one of the following ways:

*Point system 1: A single point is assigned to each moving violation, however, two points are given for reckless driving such as, speed violations that are in excess of the speed limit.  With this system, a person’s license is suspended when they receive four points in one year, six points in a two-year period or eight points in a three-year period. 

*Point system 2: Minor moving violations are assigned two points, for instance, driving slightly over the speed limit or making an illegal turn.  More serious violations are assigned three, four or five points.  Serious violations may include excessive speed or running a red light.  With this system, a person will have their license revoked if they receive at least 12 points in a three-year period. 

A few states also assign points for accidents, as well, if an individual is determined at fault.  Some state laws will not allow insurance companies to increase premiums for individuals who have added one point to their record.  Additionally, some states assign two different types of points to drivers with moving violations: driver’s license points and insurance points. 

Individuals, who have received a ticket for a moving violation, should check the code violation number, which should be written on the front of the ticket.  After locating the code, they should call the local DMV to ask if the violation will add points to their record, how many points are currently on their record (a visit to the DMV may be required in order to get a copy of this information) and also ask how many points they are allowed before their license is suspended. 

The vast majority of insurance companies will review the customer’s driving record and are known to raise the premium after an individual receives a certain number of points.  Therefore, it’s important for an individual to contact their insurance company to find out what their policies are rather than being surprised.  Most insurance companies allow just one moving violation every three to five years.  If an individual gets more than one citation (or is involved in an accident that is deemed their fault) during this period, their premiums will increase.  If this is the case, the premium increase is substantial and can go up as much as 20 to 30 percent, which is a great reason why it is important to practice safe driving. 

There are ways to remove the points or avoid them, altogether, to avoid an increase in insurance premiums.  These methods include contesting the ticket, attending traffic school and attending defensive driving classes. 

A safe driving record can substantially lower the rates on the premium, meaning that there’s one more reason to drive safe — to save money!

Can a Federal Employee get Insurance Discounts with Geico?

Federal employees are a valuable asset to the United States, which is why individuals who are affiliated with the federal work force are offered various discounts and benefits.  In this article, we will discuss some of those benefits and focus on special car insurance program designed for government workers, provided by GEICO Insurance.

Some cellular phone services (Cingular, Nextel, Sprint, T-Mobile and Verizon) offer discounts to government employees.  Computer manufacturers like, Apple, Dell, Gateway, HP and Microsoft allow government employee discounts for purchasing computers or computer products.  In addition, certain car rental companies (AVIS, Thrifty Car Rental and Dollar) provide a discount, as well.  There are several other benefits and savings opportunities to benefit government workers, but no other public service company has been designed primarily for the federal government, except GEICO. 

GEICO started more than 60 years ago to provide insurance to federal employees and military officers.  Moreover, while this insurance company has been serving the general public for several years, they still offer substantial discounts and other beneficial programs to federal employees.  Below, are some of the discounts and benefits that GEICO offers to government workers and people who are in the military. 

GEICO offers a discount to federal workers and employees of one of the 19 federal groups who are affiliated with GEICO.   GEICO offers two discount programs to federal employees referred to as, a Senior-Level Discount and a Federal Sponsored Marketing Discount. 

The discount for these employees can be 3% – 10% off their insurance premiums, based on the state the employee lives in.  It is important to know that combined discounts are not allowed with this offer. 

In addition to the GEICO discount offered to federal employees, this company also offers special programs that cater to government workers.  One of these programs is the GEICO Public Service Awards, which takes place every year.  GEICO appreciates federal employees who are both active and retired that have contributed to the public in some way and this program is an excellent way to show that appreciation.  The winners of the Public Service Award win a trip to Washington DC to attend the awards and a cash prize. 

Another program that GEICO supports is the Federal Employee Education and Assistance Fund.  This fund sponsors federal workers and their families who are interested in continuing their education and may be experiencing financial hardship.  Geico is the only corporate supporter of the Federal Employee Education and Assistance Fund. 

Additionally, GEICO supplies Leave Record Cards to government workers and has for more than forty years.  Government workers use these cards to keep track of holiday and leave time.  GEICO also donates several thousand car seats to be used for federal day cares and federal health fairs to benefit government employees.  GEICO also provides support to the Public Employees Roundtable, which highlights the important work done by federal employees, and Savings Bond Drives, which promote savings bonds. 

GEICO and several other companies value federal workers and military officers for their hard work and diligent service and this is shown by this company’s insurance discounts and special programs designed to help government employees.

Why Choose Comprehensive Coverage for your New Car?

If you have purchased a new car, you will want to be certain you get the best coverage you can, and in most cases this will mean purchasing comprehensive coverage. This is the best coverage that money can buy and you can really have a huge peace of mind when you have comprehensive insurance to be there for you in the event you are involved in an accident.

Comprehensive is much needed if you have a car that is valued at a lot of money, you will certainly want to take the time to find the best coverage to meet all your needs and this is most likely some of the best that you will be able to find.

Comprehensive is much like the name implies, it will cover most anything that happens to your vehicle and this alone is enough to make you want to take the time to find it and have this coverage as your own.

When it comes to the purchasing of a new car, you will be interested in knowing that due to the fact they are so expensive, it is in your best interest to have the best coverage you can and this will mean choosing comprehensive car insurance  for all of your needs.

Comprehensive coverage will vary from company to company and you can rest assured that it most likely will cover any major issues you may encounter and this is enough for the majority of people to take the time to get this type of coverage. However, when it comes to the details of each specific policy, you will certainly want to take the time to talk to your agent, so you will not be confused when you turn a claim in.

The more time you take to find the most inclusive comprehensive you can, the better off you will be. It can take time, but is well worth all the effort you put into the research, so be certain that you know exactly what you are getting prior to making a commitment to any one company.

One thing you can expect when it comes to comprehensive coverage is that you will certainly pay more for it and this alone is the reason many people may decide not to get it, but you should certainly consider it in the event you own a newer car.

We all know how expensive a new car can be and this fact alone will allow you to want to get the best coverage possible to protect your investment. There are many companies that will allow you to get quotes from them and this alone is enough to make you want to get the coverage that will do so. There are so many expenses that can occur when you are involved in an accident; you will most likely find that you will need all the financial assistance you can receive.

Pemco Car Insurance Discounts and Specials

Everybody loves getting a bargain. It doesn’t matter if you’re purchasing something that is pricey or something that is relatively cheap, there’s just a great feeling when you get a something on sale. Not only is saving money exciting, it is essential to get by these days. Economic pressures are pushing people from every angle and finding new ways to save money can really help to make ends meet.

One thing that you should be really interested in saving money on is your car insurance rates. Pemco is an insurance company that is known for offering great insurance rates. Smart insurance shoppers can get even more Pemco car insurance deals and specials if they meet certain criteria. If you choose Pemco as your car insurance company, you’ll love hearing about some of the great discounts they offer.

The Safe Driver Discount

One of the best things you can do to get low car insurance rates is to have a good driving record. This is one of the variables in your car insurance prices that you have the most control over. If you’ve been driving for a while and have a good driving record, Pemco Car Insurance has a discount to reward you for it. Even if you’ve not had the cleanest driving record up till now, you can still get in on these Pemco Car Insurance discounts for safe drivers. Every year that you drive without having an accident will earn you increasing discounts on your car insurance payments. In fact, Pemco will do this for up to 10 years of safe driving on your part.

The New Customer Discount

Nothing says welcome like saving money. One of the most popular Pemco Car Insurance discounts is their new customer discount. Just for signing up to get your insurance from Pemco you get a special newcomers discount. This is a great discount and it applies to new Pemco customers for the first two years that they are customers. This is a great discount that applies only to new customers with 3 years of accident free driving experience.

The Auto Plus Discount

If you’re looking for Pemco Car Insurance discounts and specials, the Auto Plus Discount is a great deal for homeowners. Insurance companies will often give you a price break for bundling your insurance coverage. If you get your homeowner’s insurance and auto insurance from Pemco, you could get up to a 9% discount. While you’re saving on auto insurance, this discount could also earn you up to 25% off of your home insurance premium.

We all need to have good auto insurance coverage. By taking advantage of Pemco Auto Insurance discounts and specials, you can get top notch insurance coverage and save a lot of money in the process. Nothings better than great insurance coverage, except great coverage at a bargain price.

Honda CRV Auto Insurance

Over the years different styles of cars have become very popular with buyers. The SUV has been one of the most popular types of automobiles for the past few years. Some people have hesitated to get an SUV because of the sheer size of some of these automobiles. The Honda CRV is the perfect “meet in the middle” solution for these folks. The Honda CRV is a compact SUV. People who buy a Honda CRV get all the luxury associated with large SUVs in a more compact package. Anyone considering purchasing one needs to know the facts about Honda CRV auto insurance.

 Honda CRV Auto Insurance Considerations

When you’re dealing with car insurance companies, you have to realize that the price you will pay on insurance premiums depends on a lot of different variables. Car insurance companies have to figure all of these variables into their formula to give you a price for Honda CRV auto insurance, just like they do with any other make or model. 

You Determine Insurance Prices

Your record as a drive has a huge impact on how much you will pay for any kind of car insurance. While the rate you get with a particular insurance company will vary from one company to another, your record is a huge piece of the equation that determines the price you will pay. Car owners in search of cheap Honda CRV auto insurance are going to fare better if they have a clean driving record. Drivers who have avoided accidents and traffic tickets are going to get better rates on their car insurance every time. 

If you’ve had some accidents or have a spotty driving record, you can still take some steps to get less expensive Honda CRV auto insurance. Talk with insurance representatives to see if they offer price breaks for drivers that take a safe driver’s course. Most of the big insurance companies can offer you a discount if you complete one of these courses. While it’s best to have a clean driving record to start with, taking a driving course can get you a cheaper insurance rate.

Honda CRV Prices

The condition of the CRV you buy will play a big role in how much you pay for auto insurance too. If you purchase a brand new Honda CRV, you will likely pay a higher rate than someone who buys a previously owned CRV. The top price for most CRVs is around $30,000. The more money you pay for your car, the higher your insurance rates will be. However, you should talk to your insurance rep to see if you can get discounts for the safety features that come standard with a brand new CRV. You may save yourself some money by asking this simple question.

The Honda CRV is a popular, sporty car. If you have a good driving record or take a driving course, you could get some great insurance discounts. Remember that you should also ask about discounts for safety features too. Keep these tips in mind when you are negotiating insurance prices for your Honda CRV.

Tesla Motors Car Insurance – How Much Will You Pay?

Tesla motors shook up the automobile industry by introducing one of the most intriguing automobiles in recent history to the automobile market. The Tesla electric car’s release was one of the most talked about events in the automotive industry. It’s understandable why people are so excited about this car. Any car that makes good on its promise to run completely on a fuel source other than gasoline is bound to garner a lot of interest. When the car looks sporty and cutting edge, even more heads are bound to turn. Tesla Motors combined all those features into one, exciting new car – and people are still talking about it.

Tesla Motors Car Insurance Rates

When a car hits the scene with so much excitement it’s only natural that people are going to want to purchase it. Tesla motors may not be as big a company as Ford or Chevy, but their new fully electric car has captured the imagination and interest of car buyers from all over the world. People have been lining up to get one of these trendy cars that just happen to be environmentally friendly and fun to drive. While there are always varying opinions about makes and models of cars, no one can dispute that Tesla Motor’s marketing people did their job well.

So how much will you pay for Tesla Motor Car Insurance if you purchase one of these amazing electric cars? Like any answer in the world of car insurance, there are going to be varying prices. The same rules that determine car insurance rates on other models apply to the Tesla electric car. Car insurance companies have to assess several risk factors to truly determine the cost for car insurance on a Tesla model. 

Start With Your Record

Tesla Motor Car Insurance is sure to be higher for people that have had past accidents or traffic violation citations. It really doesn’t matter what kind of car you plan to get, if your driving record is bad, you can expect to pay more. This rule applies just as surely to Tesla car ownership as it does to any other car. You could bring down the rates you pay for car insurance by taking a safe driver’s course and your future rates will certainly drop if you avoid accidents and tickets in the future.

Price Matters

The Tesla electric car is not cheap. The electric car introduced by Tesla is also known as the Roadster. This model has been selling for as much as $42,000. The price tag on this car alone ensures you that you will pay higher insurance rates if you own one. The Tesla Roadster is also going to be considered more of a risk when it comes to car theft. Any car that stands out from the crowd is going to get attention. Unfortunately some of that attention is going to come from car thieves. Insurance companies know that the Tesla Roadster is going to be a target for thieves and they will adjust their rates accordingly.

Tesla Motors car insurance for the trendy Roadster is not going to come cheap, but neither will the car itself. To save money make sure that you keep your driving record clean and work with an insurance company you trust.