Driving without license?
In California, most of the cops are kind of strict when it comes to the rule that allows them to "possibly impound the car for 30 days". This means they will automatically impound a vehicle driven by an unlicensed driver, regardless of who owns the car. They aren't required to impound the car, but they will, because it is a money making scam. They don't usually impound it for 30 days. Usually it's only for 1 to 3 days. But, that could cost you several hundred dollars for towing and for impound fees. In California, the set-up between the cops and the impound yards is like a Mafia business. I'm sure the towing and impound guys have to pay the cops something to get all of that business. Some of my Son's his friends had their cars impounded for driving without a license. The towing and impound fees add up very quickly. A few of my Son's friend lost their cars, because they could not afford $1,000 to $1500 dollars to get their cars back, after several days in the impound yard. Yes! It really cost that much. My Son had his first car stolen. The cops recovered it a week later. The cops called us on a Thursday night before a Holiday. I asked what time the impound yard closed on Friday because we already owed the fees for towing and one day's storage, even though the cops didn't call us until about 8:00PM on Thursday. The cop said they close at 5pm on Fridays. I got to the impound yard at 12:30 PM. They were already closed early for the 3 day weekend. So, they already charged me for a second day. To avoid paying for Sat,Sun and Mon, I had to pay a "gate fee" to have a guy come out and let me into the yard, plus the fees for Thurs and Fri and the towing fee. Recovering my Son's STOLEN car cost me almost $300 dollars. Any cop who says this is not a Mob-like, Mafia-like operation, is a liar! If you let an unlicensed driver operate your car in California and they impound your car, watch out! Because, you have just entered into the black market world that exists between the cops and their crooked towing operators. Beware!
Will my auto insurance company cover my claim if the person driving has a suspended license?
In the US, under a standard Personal Auto Policy, with respected to suspended or revoked licenses, the insurance company may cancel a policy if any of the following are true:the policyholder’s license has been suspended or revoked, orthe license of anyone living with the policy holder has been revoked or suspended, orthe license of anyone customarily using a covered auto has been revoked or suspended.But that refers to the insurance company’s right to cancel. It does NOT refer to any right to refuse coverage of a claim. Bottom line, if Bubba just lost his license, borrows your car and gets in an accident, coverage applies.Possible “gotcha:” If you know Bubba has lost his license and you routinely allow him to use the car, the insurance company might regard this as fraudulent act and refuse coverage. Big court fight, over that, if you’ve got the money.Hope that helps.
What is the penalty for driving without insurance?
Darn....you took my best joke. There's no penalty for driving without insurance. The penalty is if you get caught. My experience....have driven for years without because I can't afford it....seriously. They say you can't afford to NOT have it, but it does work both ways. But when you do get caught, it gets very expensive. If you got caught, you'd probably pay $200-300 for the fine, and then have to start insurance all over again, and you'd get screwed on the price because of your age. Starting fresh with new company also screws you just because you're new. As you stay with them, rates will go down. But because you're under 21, you're screwed either way. Just part of automobile life. I went thru it too when I was your age. (Of course, back then, they didn't have computerized records to check your insurance status in seconds!!) You and every other citizen of the US is pissed off at car insurance companies. I'd just start insurance somewhere and stay with them. Eventually, the earlier claim will be taken off your record. And it's so much better when you get pulled over for whatever reason and have insurance card to hand to the cop. There's a backwards satisfaction in silently laughing at the cop that he can't get you for that!! Sometimes, they can tow your car if you don't have it, in some areas. But back to my dilemna--caught without insurance out of state. $400 fine. Then they notify my state, and I can't get it yet, so they pulled license. So will have to get new insurance $120-150, then pay for reinstate license and any fine on top of that, probably another $200. When you get caught, it can get extremely expensive. Plus, if you are in bad accident, it will work better for you.
I was hit by another driver who gave false insurance information , in the accident report what can I do!?
This person rearended me and when I called the insurance information she gave to me and police officer, her insurance agency said that it was no longer active. I got a estimate of 1,200 damage. Is it expensive to take her to court I can use any advice I have never been in an accident before, and I dont even own this car.
If I live in California and drive without my driver's license and get pulled over by the police, what is the worst thing that can happen to me?
If you are stopped and don’t have your license, the cop will try to identify you by the information your provide. Your vehicle registration and insurance information should match the identity you provide. They can do a lot with your name, date of birth and address. If the license check hows your license is valid and you are cooperative. some cops will give you a break. In some jurisdictions, you can resolve this by showing your license at court or even at the police dept or to a cop for a sign off.If they catch you, it would mean you did something else wrong. It is very rare and not even legal in most areas for cops to stop cars to just check driver’s licenses and registration without any reasonable articulable suspicion. See Delaware v Prouse.
Can the auto insurance I'm applying for find out about my previous 'at fault' accident even if I don't mention it on the application?
Yes. All insurance companies have the ability to order reports that will show your driving and claims history. Most companies will learn all there is to know about your driving record and then some.Auto Insurance Companies are able to do this through two main reports:Motor Vehicle Report (Record)A Motor Vehicle Report is a record kept by the state in which you are licensed.A Motor Vehicle Report generally captures accidents and violation associated with you as a driver.Reports generally display between 3 and 10 years of driving history.In some states you can order a free report to see what your state has on record. DMV . org provides a useful listing of state DMV offices and MVR order sites here.Comprehensive Loss Underwriting Exchange Report (CLUE)A CLUE report goes beyond your driving record and shows claim information involving you as a driver, others in your household, possible related claims and accidents involving vehicles that have been registered in your name or associated with your address.CLUE reports collect 7 years worth of data.Lexis-Nexis allows you to order your personal CLUE report on this page.It may make sense for you to shop around and see if you could receive a better rate with another carrier. The chances are greater of realizing a better rate the further your claims history is in the rear view mirror.
Can I file a police report for a car accident without letting the insurance know and do a private settlement?
In the UK, if you are involved in a traffic accident, in which there are no injuries, the police, if in attendence, will assess the circumstances, and may require the drivers of both cars to take a breath test.If these show negative for both alcohol and drugs, the police will lose interest, as it then becomes a matter of insurance. You are required by law to supply each other with your driving documents, specifically your insurance papers, the police,if in attendance will.have examined your driving licence to make sure you are legally on the road, and insurance documents, as well as a valid MoT. Test certificate. But if you do not have them with you ,you will.be required to.present them at a po!ice station of your choice within 7 days. Failure to present them will almost certainly lead to further action by the police.You are not legally required to.inform your insurers, as you can settle on a “knock for knock “ basis.Road accident are absolved from the RTA, by an attending police officer, should they be not due factors such as drink, drugs or careless driving, so immediately fall.under civil law. And any dispute taken through the county or civil court system.Most of such incidents are dealt with between insurance firms though. Unless as I say, you can agree at the scene who should pay what , and to whom..