Vehicle Insurance Lapse Frederick, Maryland MD

Reader’s Question:

My car insurance cancels in 2 weeks but I had an accident yesterday. Will my car insurance still cover the insurance claim even though we are due to cancel with them in two weeks? I live in Frederick, Maryland.

Glen

Frederick, Maryland MD

As long as your car insurance policy was in place at the time of the incident, meaning there is no insurance lapse and that it was paid up and in effect, then the accident should be covered by your auto insurance coverages.

If you are due to cancel with your insurance company due to already getting another auto insurance policy with a different insurance provider then having insurance claims made for this incident would not normally be an issue. If you are being canceled because of other reasons then you still should be able to make car insurance claims but it could be more of a difficult situation.

Since your car insurance policy with your current insurance carrier is going to cancel in two weeks it may be helpful if the insurance claims are placed now when your insurance policy is still in effect.

Since you are in in Frederick, Maryland, if you have any difficulty with your auto insurance claims related to this incident you can contact the MD Insurance Administration, the insurance regulator for Maryland.

 

Tags: auto insurance claims, auto insurance lapse, car insurance

Automobile Insurance Rate Gaithersburg Maryland MD

Reader’s Question:

My husband backed into pole while at the grocery store, our car is totaled. I just want to know if the insurance going to cover this, we do have full coverage on the car? Will our auto insurance payments go up in Gaithersburg, MD?

Paul

Gaithersburg, MD

Yes, if you have collision coverage on your car then your car insurance should cover damages caused by your husband backing into a pole at the grocery store. You will have to pay the deductible associated with your collision coverage and make a car insurance claim under this portion of your physical damage coverages.

If your car is totaled out by your insurance carrier then you should be paid actual cash value (ACV) for it. Actual cash value is the fair market amount that your car would have been worth in the condition it was in before the accident.

The way in which the actual cash value (ACV) is calculated varies by insurance carrier to insurance carrier but usually uses the Blue Book value, cost of buying a vehicle in similar condition from a local auto dealer or private party. The condition of your car, options, mileage, and equipment are all taken into account when determining the ACV.

Whether this at-fault accident will cause your car insurance premiums to go up in Gaithersburg, MD will depend upon your insurance carrier’s guidelines and rating system. You should speak with them if this accident claim will affect your car insurance rates with your insurance agent who knows your insurance company’s specific rating system.

 

Tags: auto insurance, car insurance rate

Auto Insurance Germantown, Maryland MD

Reader’s Question:

Is it possible to have 2 auto insurance policies in the same household in Germantown, Maryland?

Rose

Germantown, MD

It might be possible for 2 auto insurance policies in one household depending upon the insurance carrier’s involved and the circumstances in Germantown, MD.

I know some scenarios where two car insurance polices for the same household can be held. This may include a married wife and husband who want to retain their own separate auto insurance policies or a situation where there is a child who has their own vehicle, separate from their parents, and thus their own auto insurance policy.

It is typically cheaper to have members of a household and their cars on the same auto insurance policy since there can be a multi-car discount. Generally insurance providers will require all licensed household members to be added on an auto insurance policy, so even with separate auto insurance polices, each insurance carrier will likely require the other household members to be listed on each other’s insurance polices.

 

Tags: auto insurance, cheap auto insurance

Auto Insurance Bowie, Maryland MD

 

Reader’s Question:

How does diabetes affect auto insurance in Bowie, Maryland?

Jamie

Bowie, MD

Some medical conditions may affect your car insurance rates, due to the fact that you are more of a risk when operating a vehicle. Your car insurance rates may not be affected but your insurance policy may have an exclusion listed for paying on an insurance claim for an accident that was caused due to a medical condition.

According to the Maryland MVA their goal is to keep motorists on the road for as long as they stay a low risk for accident and will thus work with motorists on a case by case basis.

So your auto insurance may be affected if you suffer from diabetes in Bowie, Maryland. For more information on how a car insurance company or health insurance company can rate you with this medical condition you may contact the MD Insurance Administration. This state agency can provide you details on if insurance providers can request information on your medical conditions.

 

Tags: auto insurance

Auto Insurance Quotes Bethesda Maryland MD

Reader’s Question:

I would like to know if insurance providers in Bethesda, Maryland are able to see and use a red light camera tickets as a factor in car insurance quotes?

Adams

Bethesda, MD

An insurance provider in Bethesda, Maryland will be able to see the conviction of red light camera ticket if they are on your MD motor vehicle record (MVR) but they should not use either as a factor in determining your car insurance rate quote or your auto insurance premiums.

The state of Maryland does have red light cameras that permit for photos to be taken of those entering an intersection after the light has turned red and therefore sends them a citation. The Maryland District Courts site states that payment of the penalty for this type of offense does not result in Maryland points being assessed to your driving history and cannot be used to raise your car insurance rates. Basically, it is handled as a parking ticket.

 

Tags: auto insurance, Car Insurance Company, quote

Driving Without Insurance In Bowie Maryland MD

Reader’s Question:

What are the punishment if I drive without car insurance in Bowie, Maryland?

Julie

Bowie, MD

If you were caught by police officer for the violation of driving without insurance, you should contact the court to check what the normal penalties are in the jurisdiction of Bowie MD in which you were ticketed.

It is a misdemeanor to operate without insurance in MD. Any person who is convicted of any of the provision in Maryland law is subject to:

• For a 1st offense, a fine of not more than $1000 or imprisonment for not more than one year or both; and
• For any subsequent violations, a fine of not more than $1000, or imprisonment for not more than two years, or both.

Also being caught for driving without insurance in MD is by the MVA as a five point offense. Upon reaching 5 points in Maryland, the driver is required to attend a conference where the driving record is discussed in an attempt to improve driving habits.

Tags: auto insurance, driving without insurance