Will Auto Insurance Pay for Damaged Windshield?
Reader’s Question:
My car’s windshield got broken in an accident that involves my friend’s surfboard. I want to know if I can claim from my car insurance or not. By the way, if I don’t get the glass replaced soon, can I still drive the car around even with that broken glass? Will I be ticketed by the Florida police?
Ryan
Miami, Florida
In Florida, if you carry only the Personal Injury Protection (PIP) and the Property Damage Liability (PD), which is the minimum auto insurance required by the state, then expect that your damaged windshield will not be covered.
Typically, the repair or replacement of a windshield is covered by the Comprehensive Coverage. In your state, if you carry this kind of policy, the deductible is waived when the windshield is being replaced. This is noted under Florida Statute 627.7288. So, if you only have liability coverage in your policy, it is likely that you would have to personally fund the replacement of your windshield.
It is possible that you may be ticketed for a broken windshield, especially if the law enforcer finds the damage to be obstructing your view and considers it unsafe. Under Section 316.2952, it is stated that a vehicle must have a windshield. However it is not stated that the vehicle has to have a windshield that is in “proper condition.” Therefore, this conviction would have to be assessed further in court. If the court finds the broken windshield to be unsafe, then it would state that you are violating Section 316.610, which is driving an unsafe vehicle.
I Need Auto Insurance Help In Colorado
Reader’s Question:
I know that in Lakewood Colorado, where I currently reside, there is a Motor Vehicle Insurance Data Base Law. What information does the database contain and what information is submitted by insurance companies?
Billy
Lakewood, CO
In Colorado, based on auto insurance laws, a statewide database has been established to track compliance and noncompliance within Colorado, of motor vehicle insurance requirements. On a monthly basis, car insurance companies are mandated to submit information on policies issued during the previous month. This information is also submitted to the database by vehicle registration offices on vehicles registered.
The database includes information about your Colorado driver’s license, vehicle, and any information submitted by insurance companies regarding insured vehicles and all individuals listed as insured on your policy. Information submitted by car insurance companies includes: the Vehicle Identification Number (VIN), make and year of the vehicle, and the name, date of birth, driver’s license number, and address of each individual insured or owner on the policy. This information allows for a match to the Colorado State vehicle and driver files. If in case you have been stopped by a police officer and you do not have evidence of insurance in your car or you are not listed in the database as having insurance, your driver’s license is subject to confiscation and suspension. Per CRS 42-2-127.7 you may request for a hearing or present proof of insurance that was valid at the time you were stopped, at a driver’s license office or at 1881 Pierce Street in Lakewood, Colorado.
Do I Need Additional Auto Insurance For Pizza Delivery Vehicle?
Reader’s Question:
If I were to get a work as a pizza delivery driver in Watertown, South Dakota, do I need to buy additional car insurance to cover me while on the job?
Snyder
Watertown, SD
According to the South Dakota Department of Insurance most personal car insurance policies will exclude coverage for the car while it is being used for “business purposes” such as pizza delivery. Many car insurance policies in fact have exclusion for using your vehicle for delivery purposes like this.
You can talk with your insurance agent if your personal vehicle insurance policy will cover you as a delivery boy, but likely it will not. The restaurant you work for may already have car insurance liability protection for this kind of activity to cover the restaurant’s exposure. This may however not protect you if an accident happens. The restaurant will typically require additional insurance to protect themselves if you are negligent.
High Risk Insurance With SR22 – What Does It Cover?
Reader’s Question:
One of the employees had to obtain SR 22 insurance personally. We had to get a separate high risk insurance policy for her to be able to drive one of our company cars in Chicago IL. So, does her SR22 insurance policy cover her to drive any car including a company car?
Michael
Chicago IL
Generally, your employee’s insurance policy covers her when she drives other cars but as excess or secondary to the owner’s auto insurance. If her insurance would extend as secondary insurance to a company vehicle or work car would depend upon the terms and guidelines of her insurance policy and the guidelines of his insurance company.
The SR-22 insurance which is attached to her insurance is not a type of insurance but a form or certificate that the state is requiring him to have filed to prove that she is carrying the insurance on her that the state required. Typically this insurance is the state’s required liability car insurance.
Your employee can check from her insurance broker or agent to verify if her personal insurance policy would cover the company car but keep in mind that the company’s high risk insurance policy in Chicago will be primary and needs to stay on the company vehicle so that it will be properly covered.
Would You Like A Multi-line Car Insurance Discount?
Reader’s Question:
I heard it from my friends that I can save a lot of money by getting a multi-line insurance, how does it work? I’m thinking of getting a new insurance policy, I live in Omaha Nebraska.
Helene
Omaha, NE
A multiline insurance is an insurance instrument used to bundle the risk exposures of multiple insurance obligations into one insurance contract. The risk exposures put together are often related, such as property and casualty risks.
There are many different varieties of multiline contracts that exist, and they cover a wide range of risk exposures. The basis behind multiline contracts is that a firm is exposed to a portfolio of risk, and instead of creating a portfolio of insurance policies to manage that risk, they should use a single multiline contract to manage the portfolio of risks. One insurance contract is more efficient and less costly than many contracts.
Purchasing auto and home insurance from the same insurance company has several benefits. Most importantly, you’ll likely save a ton of money and it’s just so much easier to keep all your insurance in one place, provided you’ve chosen a good insurance company of course. When choosing a company, consider its reputation, location, service etc. (for example, see if you can check, pay and renew your policies online).
Car Insurance in Las Vegas Nevada With International Driver License?
Reader’s Question:
Will I be needing a Las Vegas Nevada drivers license to insure my vehicle for just six months? Or my international drivers license is enough? Where can I get one?
Luis
Las Vegas, NV
When purchasing a car insurance policy in Las Vegas Nevada you should expect to have a Nevada driver’s license or you should expect to obtain one in order to be insured in the US.
There may be some insurance companies in Nevada that will insure you in the US with an international license, but most insurance providers require you to get a drivers license in Nevada before buying insurance or within 30 days after getting coverage.
Some insurance companies will require you to have a drivers license or in the process of getting a US license. You may start checking online for insurance companies that will allow you to insure your car without US drivers license.
Tags: auto insurance
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