Car Insurance in Vermont

Car Insurance in Vermont

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Vermont laws require you to maintain car insurance on your vehicles so that you are safe from unfortunate costs you may encounter from the risks of owning a car.

Read more to learn all about car insurance rules, how Vermont officials can help you with car insurance issues, and how you can save on your premiums.

Vermont Car Insurance Requirements

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Vermont laws require you to purchase liability and uninsured motorist coverages as part of your car insurance policy.

Liability Coverage

In Vermont, your car must have liability car insurance to help pay for costs related to injuries or property damage from a car accident you caused.

To comply with Vermont’s laws, your liability insurance must include the followingminimum limits:

• $25,000 for injury or death to one person in an accident.
• $50,000 for total injury or death if multiple people are hurt in the accident.
• $10,000 for property damage.

Uninsured/Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage helps you pay for costs arising from injuries you suffer after an accident caused by a driver who does not have car insurance or who has insufficient insurance to cover your costs.

Vermont requires you to have uninsured/underinsured motorist coverage at the following minimum limits per accident:

• $50,000 for bodily injury to one person.
• $100,000 for total injury if multiple people are injured or killed.

Optional Coverage

While you are only required to hold liability and uninsured motorist coverage, you may want to consider purchasing additional coverage to help further protect you against unfortunate incidents.

When shopping around for car insurance quotes, consider one or more of the following:

• Collision – This will help pay for damages to your car due to traffic accidents.
• Other than collision (commonly known as “Comprehensive”) – This will help pay for damages to your car resulting from most cases that do not involve traffic accidents.
• Medical payments – This will help cover your medical costs related to injuries from a car accident.
• Towing and labor.
• Rental.

Proof of Insurance

The state does not require you to file a proof of insurance with the DMV. However, you will be required to show proof of insurance upon a police officer’s request during a traffic stop.

Proof of insurance can be obtained through your auto insurance company or agent and typically comes in the form of a car insurance ID card.

Violations and Penalties

If you are pulled over and found to be without proof of insurance, but you do have a current insurance policy, you will be given 15 days to provide your proof of insurance to the officer that stopped you.

If you do not have insurance, you face the following penalties:

• Fines.
• 2 points on your driving record.
• Mandatory filing of Financial Responsibility Insurance (SR-22).
  • See below for more information.

Financial Responsibility Insurance (SR-22)

Financial Responsibility Insurance, also known as SR-22 insurance, is a type of insurance that covers you instead of your car. This means that no matter what car you are driving, you will be covered under your own insurance.

The state may require you to file Financial Responsibility Insurance for the following reasons:

• You are convicted of a traffic violation.
• You are involved in a car accident.

If you are required to file Financial Responsibility Insurance, you must do so for a minimum of 3 years.

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Your car insurance company must file your Financial Responsibility Insurance via an SR-22 certificate.cloud services

Other Car Insurance Issues

Because car insurance can be a sensitive subject, Vermont’s Department of Financial Regulation has programs and systems in place to help consumers like you deal with issues such as car insurance questions, complaints, and even fraud.

Consumer Complaints

You may find yourself in a dispute with your insurance company that you cannot settle.

If you need to file an insurance complaint to the DFR, you may do so online at theDFR website.

You can also print out a complaint form and submit it one of the following ways:

• By fax to (802) 828-1446
• By mail to:
  • Department of Financial Regulation
  • Insurance Consumer Services
  • 89 Main Street
  • Montpelier, VT 05620

Car Insurance Fraud

Every year, insurance companies take big losses because of insurance fraud. Those losses often get passed down to you through increases in premiums. You can help by reporting suspected instances of insurance fraud.

Car insurance fraud often involves:

• Staging car accidents.
• Making up or lying about the extent of injuries.
• Falsifying property damage.cloud services

You can report suspected car insurance fraud by calling (800) 964-1784.

Determining Your Car Insurance Premium

There are several factors that go into determining the price of your car insurance in Vermont.

When shopping for car insurance, keep in mind that the following will factor into your quotes:

• Driving record.
• Your car’s:
  • Make.
  • Model.
  • Year.
• Credit history.
• Insurance history.
• The location where you primarily park your car.
• Deductibles:
  • This is the amount you are responsible for towards a claim.
  • You can lower your rates by assuming higher deductibles.

Discounts

One great way to save on car insurance is by taking advantage of discounts.

When comparing car insurance quotes, don’t forget to ask about these common discounts:

• Good driver.
• Good student.
• Multi-car.
• Homeowner’s.
• Anti-theft.

Remember that while discounts can save you money, your best bet for obtaining cheap car insurance in Vermont is to maintain a good driving record.

Most Stolen Cars in Vermont

Owning a car targeted for theft can increase your car insurance rates.

The following are Vermont's most stolen cars in 2013, according to www.nicb.org:

1. Subaru Legacy.
2. Ford Pickup.
3. Honda Civic.
4. Chevrolet Pickup (Full Size).
5. GMC Pickup (Full Size).
6. Jeep Cherokee/Grand Cherokee.
7. Toyota Camry.
8. Toyota Corolla.
9. Honda Accord.
10. Subaru Forrester. 

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Car Insurance in Oklahoma

Car Insurance in Oklahoma

Oklahoma law requires that all registered vehicles be insured. This is to help guarantee that drivers are able to pay for costs that arise from car accidents.

Oklahoma Car Insurance Requirements

To fulfill Oklahoma’s car insurance laws, your policy must include liability insuranceto help you cover the costs associated with injuries or property damage from an accident you cause.

Oklahoma requires that your liability insurance include the following minimum coverages per accident:

• $25,000 for injury or death, per person.
• $50,000 total for injury or death if multiple people were hurt in the accident.
• $25,000 for property damage.

Optional Car Insurance

While Oklahoma law only requires you to have liability coverage, you may want to purchase other types of coverage to help further protect you financially.

When shopping for car insurance, consider adding the following common coverage types to your policy:

• Collision – This will help pay for damages to your car after you’ve been in an accident.
• Comprehensive – This will assist you with non-accident-related damages to your vehicle, such as those that occur due to theft, fire, and water.
• Medical payments – This coverage will help cover your medical costs if you are injured in an accident.
• Uninsured motorist – This will help pay for your costs if you are hit by a driver who is uninsured.

NOTE: While collision and comprehensive coverages are not required by law, they are often required as part of a car loan or lease agreement.

Proof of Insurance

In Oklahoma, you must be able to provide proof of insurance when registering your car and during traffic stops.

Proof of insurance is issued to you by your insurance company and must include:

• Name of your car insurance carrier.
• Address of your insurance carrier.
• NAIC* number of your insurance company.
  • Inquire with your insurance carrier about this number.
• Your name.
• Your car’s:
  • Year.
  • Make.
  • Model.
  • VIN.
• The beginning and ending dates of your policy.
• A warning to you that you must:
  • Surrender a copy of your proof of insurance upon registering your car.
  • Keep another copy with your car at all times.
• The following statement:
  • “Examine policy exclusions carefully. This form does not constitute any part of your insurance policy.”

* National Association of Insurance Commissioners.

Insurance Verification System

In addition to asking for your proof of insurance during the registration process, Oklahoma has an electronic insurance verification system to help monitor your car insurance.

All car insurance companies in Oklahoma must report your car insurance status to the system.

Insurance Penalties

If you are caught driving without insurance, you face the following penalties:

• A fine of up to $250.
• 30 days in jail.
• Suspension of your driver’s license.
• Suspension of your vehicle registration.

Oklahoma Automobile Insurance Plan

While all registered vehicles in Oklahoma must be insured, car insurance companies do have the right to refuse coverage to drivers they feel are high-risk.

If you are unable to find a company willing to insure you, you may be able to obtain your coverage through Oklahoma’s Automobile Insurance Plan.

Contact the Plan at (405) 842-0844 to see if they can help you find car insurance.

Other Car Insurance Issues

Complaints

If you have a concern about how your insurance claim is being addressed, you can request the assistance of the Oklahoma Insurance Department.

You can submit a complaint with the Department:

• Online.
• By mail or fax:
  • Complete the Request for Assistance form and either:
    • Mail to the address on the form.
    • Fax to (405) 521-6652.
  • Submit supporting documentation with the form (see below).

When you submit a complaint, remember to:

• Complete every section on the form and sign it.
• Provide as detailed information as possible.
• Submit copies of:
  • Policies.
  • Riders.
  • Phone logs.
  • Other relevant documentation.

Car Insurance Fraud

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Insurance companies lose a large sum of money annually due to insurance fraud.Those losses often get passed down to you through increases in rates.

Car insurance fraud commonly involves:

• Staging accidents.
• Falsifying or exaggerating injuries.
• Falsifying or exaggerating property damage.

If you suspect car insurance fraud, you can report it to the Oklahoma Insurance Department fraud unit:

• Online at the OID website.
• By mail:
  • Complete an Anti-Fraud Unit Complaint Form and mail it to the address listed on the form.
• By phone at (800) 522-0071.

Determining Your Car Insurance Premium

Several factors go into determining your car insurance rates in Oklahoma.

When comparing car insurance quotes, consider that the following will factor into your premium:

• Your driving record.
  • Insurance companies can review the past 3 years of your driving history.
• Your car’s:
  • Make.
  • Model.
  • Year.
• The primary location where you keep your car.
• Your age and gender.
• Your credit history.

Car Insurance Discounts

A great way to save on Oklahoma car insurance is to take advantage of discounts.

As you are shopping for car insurance, inquire about the following common discounts:

• Good driver.
• Good student.
• Anti-theft device.
• Safety device.
• Homeowners.
• Multiple-car.

When you are comparison-shopping for the lowest insurance quote, remember to always ask about how discounts can help you get the cheapest rates. Don’t forget, however, that the biggest factor in low rates is a clean driving record.

Most Stolen Cars in Oklahoma

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If you own a car that is heavily targeted for theft, you are likely to have to pay a little more for car insurance.

The following is a list of the most stolen cars in Oklahoma for 2013, according to www.nicb.org:

1. Chevrolet Pickup (Full Size).
2. Ford Pickup (Full Size).
3. Dodge Pickup (Full Size).
4. Honda Civic.
5. Honda Accord.
6. GMC Pickup (Full Size).
7. Chevrolet Impala.
8. Chevrolet Pickup (Small Size).
9. Ford Explorer.
10. Toyota Camry.

Continue Reading…

Car Insurance in Georgia

Georgia Car Insurance

Georgia is a rare state that requires you to have car insurance, but does not require that you show your insurance card as your proof of insurance.

Learn more about Georgia’s auto insurance requirements, options for additional coverage, programs, rates, and discounts.

Policy Requirements

In Georgia, you are required to have liability insurance to help pay for injuries or damages you might cause to someone else as a result of a car accident. You’ll need to have proof of this insurance in order to register your car in GA.

Your Georgia car insurance policy must have the following minimum coverage amounts:

• Bodily injury liability:
  • $25,000 per person.
  • $50,000 for multiple people in an accident.
• Property damage liability:
  • $25,000 for one incident.

Optional Car Insurance

Most companies that offer insurance in Georgia also offer additional coverage. When comparing car insurance quotes, ask about the following optional types of insurance:

• Collision – This coverage will pay for damages to your car due to traffic accidents.
• Comprehensive – This coverage will pay for non collision-related damages to your vehicle, such as damages incurred due to vandalism.
• Medical and funeral services.
• Uninsured drivers.
• Rental car.

NOTE: While Georgia law does not require you to purchase collision and comprehensive insurance, your finance company or bank will require you to have these coverage types if you are paying a loan or lease on your car.

Georgia Proof of Insurance

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In Georgia, a car insurance ID card cannot be accepted as your proof of insurance. Instead, all government agencies, including law enforcement officers performing a traffic stop, can check the Georgia Electronic Insurance Compliance System (GEICS) to electronically verify that you have valid car insurance.

It is your car insurance carrier’s responsibility to report your car insurance status to the GEICS database.

Make sure that you check your card to make sure all your information is correct. If the information is not correct on your card, it is probably incorrect with the GEICS.This can lead to problems verifying your insurance.

If you notice wrong information, contact your car insurance carrier to make sure any misinformation is fixed.

Also remember that your car insurance card still needs to be carried in case of an accident so you can exchange information with the other driver(s).

Driving Without Car Insurance

Through GEICS and the Georgia Registration and Title Information System (GRATIS), the Georgia Department of Driver Services (DDS) will be informed of any change in your car insurance status.

If your car insurance is canceled and you do not replace it, the DDS will send you anotice to comply with Georgia’s car insurance laws, and the possible penalties you will face if you don’t. Such penalties include fines and driver’s license suspensions.

You will not be able to register your car or renew your car’s registration in Georgia if GEICS shows that you do not currently hold an auto insurance policy.

Driver’s License Suspensions

If your GA driver’s license is suspended because you didn’t have car insurance, you can get your license reinstated after your first offense by:

• Waiting until your driver’s license has been suspended for a minimum of 60 days.
• Purchasing at least the minimum auto insurance coverage required in GA.
• Paying a reinstatement fee of:
  • $200 by mail to:
    
    Department of Driver Services (DDS)
    Validation Unit
    P.O. Box 80447
    Conyers, GA 30013
  • $210 in person at your local DDS office.

To have your driver’s license reinstated after your second offense of not holding the required insurance, you must:

• Wait for your driver’s license to be suspended for at least 90 days.
• Purchase car insurance and have your car insurance carrier file a Georgia Safety Responsibility Insurance Certificate (SR-22A).
• Pay a reinstatement fee of:
  • $300 by mail (use the address above).
  • $310 in person at your local DDS office.

As of September 2013, you cannot pay your driver’s license reinstatement fees online if your driver’s license was suspended because you didn’t have car insurance.

Car Insurance Rates in Georgia

Car insurance rates vary by individual.

Georgia car insurance companies will factor in the following to determine your car insurance rates:

• Your driving record.
• Your car insurance claim history.
• The make and model of your car.
• Your age.
• Your gender.
• Your marital status.
• Your credit history.

The simplest way to keep your car insurance rates low is by driving safely and obeying all traffic laws.

Car Insurance Discounts

While Georgia does not have any state-mandated car insurance discounts, most insurance companies offer the following discount types:

• Good driver discount.
• Good student discount.
• Multiple-car discount.

You may also qualify for a discount on your car insurance premium if you complete a DDS-approved defensive driver course. Contact your insurance carrier to find out if they offer this discount and to get more details on eligibility.

Car Insurance Fraud in Georgia

Insurance fraud is very costly to insurance companies, and those costs trickle down to you, raising your policy rates.

Car insurance fraud could involve:

• Faking an injury after getting into an accident.
• Staging car accidents.
• Giving false personal information to your insurance carrier.
• Overcharging for treatment, if you’re a medical professional.

If you know of or suspect insurance fraud, you can report it by calling the Consumer Services Division of Georgia’s Office of Commissioner of Insurance at:

• (404) 656-2070.
  OR
• (800) 656-2298 (toll-free).

By reporting suspected fraud, you can actually save money by helping insurance companies maintain low-cost premiums.

Most Stolen Cars in Georgia

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You are likely to pay higher car insurance rates if you own a car that is known to be a target for theft.

The following is a list of the most stolen cars in Georgia for 2013, according to www.nicb.org:

1. Honda Accord.
2. Chevrolet Pickup (Full Size).
3. Ford Pickup (Fill Size).
4. Dodge Caravan.
5. Honda Civic.
6. Jeep Cherokee/Grand Cherokee.
7. Chevrolet Impala.
8. Dodge Pickup (Full Size).
9. Toyota Camry.
10. Ford Explorer. 

Continue Reading…