Car Insurance Coverage Vineland, New Jersey NJ
Reader’s Question:
My ten year old “keyed” two cars on our block. On those two vehicles I have full coverage on them. Would this insurance coverage cover the damages done? I live in Vineland, NJ.
Rita
Vineland, NJ
Im sorry to tell you but the answer is No, this would not be covered under your car insurance policy in Vineland, NJ since your car was not involved in causing the damages. However, you may try to file it under your homeowners policy. You will need to verify with your car insurance agent to check if this is covered.
Also, you may be able to negotiate a settlement where the owners file it under their insurance policy and you reimburse them for the deductible and/or any other expenses.
I hope you find an easy way. I also have a ten year old kid and I often wonder, how do you discipline a kid?
Tags: auto insurance, automobile
Business Car Insurance Toms River New Jersey NJ
Reader’s Question:
In Toms River NJ, I would like to know if admitted insurance providers permits to specifically exclude drivers on the business car insurance policy?
Eric
Toms River, NJ
An admitted company is an insurance provider that is authorized and licensed to do business in a given state. So a New Jersey admitted insurance carrier is one that is licensed and authorized to do business in Toms River New Jersey.
Insurance providers are regulated by state agencies. To check if in New Jersey an insurance provider is allowed to exclude motorist on a business policy, verify with the New Jersey Department of Banking and Insurance.
Tags: automobile, Business Auto Insurance
Auto Insurance Points Union New Jersey NJ
Reader’s Question:
I live in Union, New Jersey and pay very expensive car insurance rates due to a careless driving ticket and an accident. I would like to know where I can check the amount of auto insurance points that I have on my driving record and when they are going to be taken off.
Jenna
Union, NJ
Insurance providers in union New Jersey can assign insurance eligibility points for inexperience motorist, suspensions ,motor vehicle violations, and at-fault accidents. Insurance points for a offenses or accident are dropped when the accident falls outside the three year “look back” period.
If you want to get a copy of your motor vehicle points and driver’s record, you may contact the New Jersey Motor Vehicle Commission by online, mail or going to a driver conferencing center and paying $10. You can ask your insurance provider for a listing of what insurance points they have listed for you.
Tags: auto insurance, automobile
Auto Insurance Cost Passaic New Jersey NJ
Reader’s Question:
I live in Passaic New Jersey and have 2 unsafe driving offenses on my driving record. These offense are non-point violations, so will this raise the cost of my auto insurance?
Tim
Passaic, NJ
In 2004, New Jersey imposed a new automobile surcharge upon drivers who are convicted of “unsafe driving.” This conviction provides for fines, but specifies that no vehicle points are to be evaluated until after a driver is convicted of a 3rd unsafe driving violation.
If your auto insurance rates will be affected by these violations, it will depend upon your insurance carrier’s rating system. The NJ Department of Banking and Insurance (DOBI) permits auto insurance companies to set up rating tiers. Under these tier systems, motorists are assigned to various rating tiers according to their driving record and a different risk factors.
To check if your insurance provider’s tier system will increase the cost of your insurance premium in Passaic New Jersey because of these violations on your driving record, you may ask your agent or contact the NJ DOBI since company’s rating tiers must be filed with this state agency.
Tags: automobile, car insurance cost, car insurance rate
Auto Insurance Irvington New Jersey NJ
Reader’s Question:
Will I have a problem if my vehicle insurance and registration are from Berkeley, California but my drivers license is from Irvington, New Jersey? Am I gonna get in trouble for not having a license from the state where my vehicle is registered and insured?
Paul
Irvington, NJ
State statutes or laws will determine if you need to have a driver’s license in the same state in which your vehicle is insured and registered. Some states require you to register and insure your car within a certain time period of becoming a resident of that state but do not mention the need for you to turn in your out of state license and getting a new state driver’s license.
The state of California, require that once you become a resident of CA you must obtain a CA driver’s license and also register and insure you vehicle in the state within a certain period of time. New Jersey is the same way, the state require you to surrender your out-of-state license and change over the registration and title on your car once becoming a resident of Irvington, NJ.
Tags: auto insurance, autos
High Risk Insurance Paterson New Jersey NJ
Reader’s Question:
How long does a typical insurance company in Paterson, New Jersey charge for an accident? Someone told me that typically it will make your insurance rates go up for about three years from the date the insurance policy went up. Is this true?
Henry
Paterson, NJ
The NJ Department of Banking and Insurance (NJDOBI) states that the state permits each car insurance providers to set up underwriting guidelines to determine what type and how many violations and accidents during a specific period constitute a high-risk driver. So it will generally depend upon the auto insurance provider’s guidelines to determine what violations, accidents, etc they determine will cause a person’s insurance rates to rise and how long.
Auto Insurance company can consider a number of risk characteristics, including driving record, vehicle type, years of driving experience, coverage limits, credit history and claims when determining a driver’s tier placement. Other factors, include like age, marital status, and gender may also impact a person’s rate within a specific tier.
Generally most insurance providers in Paterson, New Jersey will typically raise your insurance rates for a certain period after an conviction or accident of a traffic violation, the average time being three years. Since the state of NJ does not set the time period through insurance providers may charge for a longer or shorter period of time. Some insurance providers may rate based on your driving record for the last five or seven years instead of just three years.
