Free DUI Lawyer In California

Reader’s Question:

We are planning to give our son a car for his graduation but we are worried that it may double our financial responsibilities if we get him a car especially we need also to give him a car Insurance as well. Is there anything in California that can help us lower, if not decrease, our financial responsibility if adding another car and car insurance?

Wyatt

Carson, CA

Car Insurance policy for our young driver is a necessity just like having a car here in California. But this doesn’t mean that you are going to double your financial responsibilities for there are ways how to make it lower than the double.

Usually, parents in California don’t avail a single Car Insurance for their son; instead they add them to their car insurance policy. Adding the children to the parents’ car insurance will add more payment but then again it is way cheaper than availing another for the child. Parents might as well read their policy again to know if their policy requires all drivers to be named for coverage to apply. If you have this kind of policy, it is very necessary to list all members to the policy especially if the child has reached driver’s age. If your child will go to another location, you might as well inform your insurers since the car insurance rates usually based from where the driver is driving which needs adjusting your premium. If for example you haven’t listed all the drivers in your policy and have learned just a while ago the company will bill your for the extra premium that you should have paid.

Reader’s Question:

I’m not decided yet but I have plans on switching to another car insurance company. If I let my car insurance policy here California expire, will it automatically be canceled?

Lamont

San Diego, CA

If you just let your car insurance policy in California expire, that doesn’t mean that it will automatically be cancelled. Instead, your car insurance company will still send you a bill for the next policy term and if you don’t pay it, they will be the ones to cancel your policy. If this happens, you’re gonna have to pay more on your insurance if you switch companies because you have a cancellation on your record. Other car insurance companies will think that you are irresponsible, thus would put you in the higher risk category. In that case, they won’t take into account that much whether you have a good driving record or not. All they would see is that you have a cancellation on your insurance history.

To keep that away from happening, you need to formally cancel your car insurance policy. To do this, you may talk to your insurance agent or call your insurance company directly informing them about your intention to cancel and the date of cancellation. What they’ll do is send you a cancellation request form which is most likely already filled out and all it needs is your signature. But before signing, you have to read what’s on it very carefully and tell the insurance company if you have any objections. Even before you cancel your old policy, you’re always free to shop around the best car insurance by getting some free comparison auto insurance quotes.

Reader’s Question:

My husband and I are under the same car insurance policy here in Santa Clarita, California and we are getting a divorce. I was never interested in going over the policy so I don’t know anything about any coverage. What are the important things that I need to know about car insurance here in California before I get my own policy?

Neha

Santa Clarita, CA

If you will purchase your own car insurance in Santa Clarita, California, you should have bodily injury and property damage coverage. For bodily injury to a single person, you need to have a minimum coverage of $15,000; for bodily injury to two or more people in one accident, you must have $30,000 minimum coverage; and for property damage for a single accident, you need to have $5,000 minimum coverage. It is recommended that you buy more than the minimum amount of coverage so that you will have sufficient protection.

You also need to know certain coverage limitations of your car insurance policy. There could be some instances that your coverage does not apply, such as the following:

–Bodily injury or property damage that happened when the car is used while carrying people or property with a fee.

–Any injury or property damage that is brought about by an intentional act.

–Any injury or property damage on an automobile that is owned by a named driver on your policy but the automobile is not listed in the policy.

–Property that is owned by, leased by, or in the control or possession of an insured individual.

Reader’s Question:

I am under my mom’s car insurance policy and I am buying my own car soon. I’ll get my own car insurance as well here in Los Angeles, California and I kinda need help in deciding which car to purchase. What are the factors that I need to consider in terms of car insurance before I buy a new car?

Imari

Los Angeles, CA

Purchasing a new vehicle could be a very thrilling and tremendous experience. You have to be ready on a lot of things so that your shopping experience would be trouble-free and faster. Prior to going to car dealership, create a list of the things that you want to have in a car. While you are creating the list, bear in mind the same things an auto insurance provider will consider when giving an insurance rate quote. Some of these things are the number of passengers that the vehicle would normally hold, how frequent you use your vehicle, how you use it and where you drive. These things would aid in identifying the best car you need and would also lend a hand for you to have cheaper auto insurance rates.

You would also have to create a list of all the attributes and choices that are significant to you such as engine, anti-lock brakes, airbags, security devices, etc. Auto insurance providers usually offer discounts for some of these things and this will save you considerable amount of money on your auto insurance premiums. Once you already have a new car that you need to insure in Los Angeles, California, don’t hang back on getting free comparison quotes from this website.

Reader’s Question:

My daughter is already away at college and I don’t know if I should keep her on my car insurance policy. What should I do about it and what would I do in case I get into an accident here in Lompoc Valley, California?

Cherrie

Lompoc Valley, CA

If your daughter is away for college or if any other member of the household will no longer drive your vehicle for any reason, you don’t have to keep them in your car insurance policy in Lompoc Valley, California. Insurance coverage for young motorists could be too high so do not put them anymore on the policy unless you really have to do so. In any case, you have to inquire about the claim process before you sign the agreement, not if you already got into an accident.

If you are involved in an accident, you have to call the insurance agent as soon you can. Do not leave for later because you could only have as little as 48 hours to file your claim. Maintain a good record of your claim and take note of every detail, especially at the site of the accident. Note names, automobile number, everything anyone says and anything that could help you later on. Do not waste time and go after the insurance provider because they tend to move real slowly so you have to harass them.

Reader’s Question:

I was required to get an SR22 insurance because of my DUI conviction here in California. Do I need to get it from another company or will my current auto insurance provider have that for me?

Kaleena

Elsinore Valley, CA

You would have to get an SR22 insurance because of your DUI conviction in  California. This is a form that would be a proof of your financial responsibility and this says that you have the right amount of insurance that the state of California orders you to have. Your auto insurance provider could file the SR22 insurance for you but make sure that you check with them for their standard procedure. In case they don’t offer SR22, you can always get it from someone who offers it and you can find it from this website so get a free quote now.

You may have to maintain the SR22 for a number of years, depending on your specific case. The length of time an SR22 stays active would depend on your state and the details of your DUI. Getting an SR22 would often make you in the higher risk category for auto insurance providers and that means that your premiums could increase and stay higher for a number of years after you got your DUI. It is not the end of the world after your DUI but you have to pay for it for at least a few years- especially if it is with regard to your auto insurance.

Reader’s Question:

My auto insurance company does not provide insurance for me anymore because of lapse in the coverage. I have already missed several payments. I have a DUI conviction in California and I’m seriously in need of an insurance company which will cover my SR22 insurance policy. Who will provide my SR22 now?

Ronald

Sacramento, CA

A California SR22 insurance policy is a type of car insurance policy required for California drivers by the California Department of Motor Vehicles and the courts after DUI related offense. In the state of California, it is required for a minimum of 3 years after a drunk driving conviction.

The SR22 insurance policy serves as an agreement between the CA DMV and the SR22 provider that requires the insurance company to immediately notify the CA DMV should the insurance company not be providing insurance for the driver anymore.

Most likely, the larger national auto insurance companies don’t do SR22 policies for two main reasons. First is that they don’t like to assume the risk that ‘high risk’ policies involve. Second is that they don’t want to deal with the extra paperwork and regulations required of insurance companies that handle SR22 insurance policies. The only other option left for you now is that you would have to seek out smaller companies and insurance brokers who specialize in this type of insurance.