What happens if you drive a motorcycle without a license?
In NYC you get a ticket for driving out of class and your Bike is impounded, you have to pay the tow and impound fees, so in NYC the penalty is high!
In Georgia,what happens if i drive with a permit alone? I am 27.?
If you get stopped, you will get ticketed. If you get in an accident, your insurance may not pay since the driver (you) are not licenced. Your insurance company can give you all this information.
How much do you pay for car insurance?
I'm a 22 year old male living in GA and mine is $770 every 6 months. I've never had a wreck or nufin. How old are you and how much is your car insurance every 6 months. It's confusing because some people will say they pay, for example, $1000 in car insurance, but they don't say whether it's every 6 months or every year. Please be specific as to if it's 6 months or a year. Thanks very much. I just want to know how much more I'm paying than all of you. lol
Are car insurance claims filed even if there is no damage done to the car?
Ideally, you should report all accidents to your insurance company, even ones where you are NOT at-fault. If there are injuries (to you, your passengers or the other party), you definitely need to file a claim (even if there is little or no damage to your vehicle).Depending on the requirements of your policy, you must report an accident within a specific time period (usually anywhere from 7–30 days) in order for certain coverage to be applicable. By not reporting the accident, you could forfeit your coverage against an uninsured or under-insured driver (if you have UM/UIM). More commonly, failure to report an accident can nullify your insurer’s ‘duty to defend’ if you are sued by the other driver!That advice is based on my professional experience as an independent agent since 2009. Personally, I think there are situations where you must make a judgement call. If it’s a parking lot accident with minimal to no damage and no police report, it’s probably not worth reporting. But if there’s any chance of injuries or a future lawsuit, it’s simply not worth the risk of not reporting it!Unfortunately, it has been my experience that the vast majority of insurers report every claim (including claims where nothing is paid). Some even report coverage inquiries (for example, if you call to inquire about glass coverage because your windshield is broken, they’ll record a claim even if you don’t file a ‘claim’). Roadside assistance claims are also reported by many companies. I advise all of my customers to buy a membership to AAA (if they don’t have coverage from the vehicle manufacturer).Almost all (99+%) of insurance claims are reported to LexisNexis and compiled on a report called a CLUE (Comprehensive Loss Underwriting Exchange) Report. Your auto claims history is saved for five years and virtually all insurers use that information during their underwriting process. So you don’t want a $0 claim to be reported that could cause a rate increase or non-renewal in the future!
Can i drive my mom's car to work if i dont have insurance but she does?
Probably not, you need to be added on her insurance to cover you driving the car.
I hit a deer and the insurance did not total my car because they told me my car is worth 7K and i had $4500?
This is true, technically they should compensate you for the depreciation of the value. However, good luck. I have known a few people who fought this battle before. Usually takes a lawyer and months of back and forth dealing when you might possibly get a small check in the end that you will have to give to the lawyer. Insurance companies are out to turn a profit, and they have time and money to get as much out of you as possible. Good luck.
How much is my injury insurance claim worth from car accident?
There is no such thing as a "fair settlement" amount. There is no "Chart", there is no "formula" to determine what, if anything you may receive. I wouldn't put one iota of faith in such a site as "injurycalc". How in the he** do they get to that number? Who made them the "expert"? The paying insurance company typically makes an offer, you can counter it if you like and then negotiate from there. The amount of coverage the other person has should NOT be the determining factor in a settlement amount. If you think the injuries are worth, say $165,997.03 then that is what you should settle for. If the settled amount is more than the policy limits, it is up to the liable person to pay the remainder. Because you may have to have surgery in the future, you should ask that the person that hit you (or his insurance company) pay for that future surgery. BTW; Stay away from a lawyer for this if you possibly can. If you hire one, he will end up with most of the money and you will get nothing but the crumbs.
Do I need car insurance to test drive a car? If the dealer does hold insurance, are there any requirements on the deductible? In other words, how much would I be liable for if there was an accident, before the insurance kicks in?
Yes, dealers hold "garage policies" that cover test drive liability (as well as many other forms of liability). Specific dealer to dealer insurance requirements of shoppers for test drives depend on the insurance policy of the dealership, which is affected by the state in which the dealership is operating, and may be affected by the manufacturer. Generally, dealership insurance policies are set up so that your insurance is primary, and the dealer's insurance is secondary. In other words, if you get into an accident that's your fault, you're on the hook, and if your policy gets maxed out, the dealer is usually on the hook regardless of what their release of claims states. However, there's one common exception that comes into play if you don't have insurance.Many dealerships (particularly dealerships that sell non luxury brands) are set up to supplement uninsured motorists for non negligent damages up to state minimum requirements. For example, you're an uninsured motorist, you get into an accident during a test drive that is your fault, there's no negligence involved, you cause $10,000 in damage to the car, and the state minimum in damage coverage per incident is $25,000. In this scenario, many dealers have policies that would cover the cost of repair.