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 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. 

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Car Insurance in Missouri

Missouri Car Insurance

Missouri law requires that every driver have a reliable method of paying for the costs of damage or injury to another driver after a car accident.

Most drivers choose to fulfill this requirement by purchasing the minimum required liability car insurance.

Read below to learn more about Missouri car insurance laws, policy considerations, and insurance violations.

Car Insurance Requirements in Missouri

Liability Coverage

All Missouri drivers are required to purchase and maintain the following minimum amounts of liability coverage:

• $25,000 for bodily injury, per person.
• $50,000 for total bodily injury (when multiple people are injured).
• $10,000 for total property damage.

Uninsured Motorist Coverage

Missouri also requires drivers to hold uninsured motorist coverage for bodily injury at the same minimums as those listed for liability coverage.

You are not required to have uninsured motorist coverage for property damage.

Alternative Ways to Comply

While holding car insurance is the most common method for complying with Missouri’s car insurance laws, you can also meet the legal requirements by submitting one of the following to the Department of Revenue (DOR):

• Proof of financial responsibility for damages you might cause in an accident. The following items are accepted by the DOR as proof:
  • Surety bond.
  • Real estate bond.
  • Cash deposit (or deposit of negotiable securities, such as stocks, bonds, etc.).
• Certificate of self-insurance.
  • This option is only available to businesses and religious organizations.

Optional Car Insurance

Accidents can be extremely costly, and you might find that the minimum car insurance limits Missouri requires don’t adequately cover the damages. The following types ofoptional coverage will afford you additional protection:

• Comprehensive – Helps cover costs of damage to your vehicle that result from an event that is not an accident, such as severe weather or fire.
• Collision – Pays for damages to your vehicle after a collision with another car or object.
• Medical payments – Will help you pay your accident-related medical bills.
• Rental car reimbursement.
• Emergency roadside assistance.

Proof of Insurance

You must be able to show proof of Missouri car insurance when:

• Registering your vehicle.
• Renewing your plates.

In addition, you must always have proof of insurance in your vehicle.

Penalties for Failure to Show Proof

You may be asked for your proof of insurance during a traffic stop or after an accident; if you cannot show it, you (and the vehicle owner, if different) are subject to a ticket.

The officer will also notify the DOR that you were driving without insurance.

NOTE: At any time, the DOR may request that you show proof of insurance. If you cannot show it, your license will be suspended.

Insurance Violations in Missouri

Driving uninsured is illegal. If you are stopped by an officer and can’t show proof of car insurance, you are subject to a ticket (see above).

However, you are also subject to the following additional penalties:

• Assessment of 4 points on your Missouri driving record.
  • NOTE: Your license is suspended when you reach 8 points in 18 months.
• Issuance of an order of supervision.
  • This means your insurance status will be monitored by the Driver License Bureau to ensure you are maintaining the minimum MO car insurance coverage amounts.
• Suspension of your driver’s license.

License Suspensions

Failing to purchase or maintain the minimum amounts of car insurance in Missouri can have serious consequences. Your driver’s license can be suspended for up to 1 year, depending on how many suspensions you’ve had.

After an insurance-related suspension, you can only reinstate your license by:

• Showing proof of insurance.
  • You must file this proof with the DOR and maintain it for a full 3 years from the effective end date of your suspension.
  • If you fail to maintain your car insurance, your license and/or plates will be suspended again.
  • If an accident was involved, you’ll have to file an SR-22 (see below).
• Paying the applicable fee.
  • Fees range from $20 to $400, based on the number of suspensions.

SR-22

If you’re in an accident and your driver’s license is subsequently suspended for not having insurance at the time, the same reinstatement requirements will apply (see above); however, instead of showing an insurance card as proof of insurance, you will need to file an SR-22.

An SR-22 is not insurance, but rather a form certifying that you will hold the required insurance for a specific time period. In this case, you would need to hold the SR-22 for 3 years.

Insurance Policy Cancellations

If you’ve held your insurance policy for at least 60 days, you are guaranteed that your insurance company won’t cancel your policy for at least 1 year, EXCEPT if:

• Your license has been suspended.
  • Note: Your policy cannot be canceled for this reason if multiple people are insured on the policy.
• You haven’t paid your premium.

If your policy will be canceled, you are legally entitled to 30 days written notice.

Missouri Automobile Insurance Plan

In some situations, you might be denied car insurance. This typically happens when you have a history of multiple claims or a poor driving record – both of which raise the insurance company’s risk of insuring you.

If you are denied car insurance in Missouri, you’ll be sent a written explanation, which will include details on how to apply for insurance through the Missouri Automobile Insurance Plan.

This plan provides coverage to those drivers who are unable to obtain coverage on the standard market. Premiums tend to be much higher when using this avenue, so be sure to exhaust your options with private companies before applying.

Questions and Concerns

Auto insurance can be hard to navigate. For this reason, the Missouri Department of Insurance’s Division of Consumer Affairs has provided a hotline for consumers.

You can call (800) 726-7390 between 8 a.m. and 5 p.m. on weekdays to get information and/or discuss issues and concerns.

Filing a Complaint

If you are unable to resolve a matter with your insurance company and need the Department’s help, you can file a complaint:

• Online.
• By mail or fax. Download and complete the Consumer Complaint Form.
  • Mail to the address on the form.
    OR
  • Fax to (573) 526-4898.

Determining Your MO Car Insurance Rates

When comparison-shopping for car insurance in Missouri, remember that many factors will affect your premium. However, the amount of weight certain factors are given will likely vary by provider.

Insurance companies typically use the following to set your rates:

• Your car’s:
  • Age.
  • Make.
  • Model.
• Your age.
• Your gender.
• Your credit history.
• The primary location where the vehicle is parked.
• How the vehicle is used.
• Your driving record.
• Your deductibles.
  • Higher deductibles mean lower premiums.
• How much coverage you purchase.

Auto Insurance Discounts

Discounts can be a great way to save money on car insurance. When shopping around, make sure you ask about any discounts that might apply to you. Common discounts provided by car insurance companies include:

• Multiple-policy.
• Multi-car.
• Paid-in-full.
• Transfer (switching providers).
• Automatic payment.
• Good student.
• Homeowners.

While discounts can help you get a cheaper auto insurance quote, the absolute best way to save money when you buy car insurance in Missouri is to drive safely, avoid accidents, and keep a clean driving record.

Most Stolen Cars in Missouri

Owning a car that is often targeted for theft may increase your car insurance rates.

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

1. Chevrolet Pickup (Full Size).
2. Ford Pickup (Full Size).
3. Dodge Caravan.
4. Dodge Pickup (Full Size).
5. Jeep Cherokee/Grand Cherokee.
6. Chevrolet Impala.
7. Honda Accord.
8. Pontiac Grand Prix.
9. Ford Taurus.
10. GMC Pickup. 

Continue Reading…