Arkansas Auto Insurance

 

Arkansas car insurance is something you have to be careful with if you want to rule over your insurance. Arizona law follows the Tort system which means someone must be found responsible for causing car accidents and that the individual and his insurance company is accountable for all damages; there may be detail variations regarding the tort system. To better understand Arkansas car insurance, check with your state insurance regulator for regulations. For the best rates, you can always visit http://autoinsurancelosa.blogspot.com/.

When it comes to Arkansas car insurance, the state law for Arkansas requires a minimum coverage of $25,000 for Bodily Injury Liability per injured person. It also requires up to a maximum of $50,000 per accident. The minimum state requirement for Property Damage Liability coverage is $15,000. This type of coverage is generally referred to as 25/50/15 coverage.

What happens if you don’t get car insurance in Arkansas? Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify the department of motor vehicles of all policy cancellations, non-renewals, and new policies. If this is the case with you, the law enforcement officer will know it and it could cause you huge fines or worse. Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. This can be expensive to the vehicle owner. Be sure that you follow the Arkansas car insurance laws!

Although Arkansas car insurance does not require a minimum Personal Injury Protection (PIP), there are advantages to having this type of coverage. For example, if you ever have an accident, PIP will pay for your and your passengers’ medical expenses.

Another type of optional coverage you can consider getting is Uninsured/ Underinsured Motorist Coverage. This coverage will help pay for any injury resulting from an accident caused by an uninsured driver. You can choose to purchase this added protection, although state law for Arkansas car insurance does not require it.

Arkansas car insurance is really not that complicated. While many residents in The Land of Opportunity will get their insurance in the traditional way, make sure you compare Arkansas car insurance rates from multiple car insurance companies to get the best rate. You can call each car insurance company directly or you can shop for auto insurance online.

Shopping for auto insurance online can be faster and more convenient.- you should consider saving money and going to http://autoinsurancelosa.blogspot.com/.

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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.

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Car Insurance in Kansas

Kansas Car Insurance

Kansas law requires you to be able to pay for damages and injuries suffered in a car accident that you cause. The best way to fulfill this legal requirement is by purchasing and maintaining the minimum required car insurance coverage.

Kansas Car Insurance Requirements

Kansas car insurance laws require you to have the following types of coverage:

• Liability.
• Personal injury protection (PIP).
• Uninsured and underinsured motorist.

Liability Insurance

Your car insurance policy must include liability coverage. This helps pay for costs related to bodily injury or property damage suffered by others in the event of a car accident you cause.

Your liability coverage must meet at least the following minimum limits per accident:

• $25,000 for bodily injury, per person.
• $50,000 for total bodily injury, if multiple people get hurt.
• $10,000 for property damage.

Personal Injury Protection

Kansas is considered a no-fault state.

This does not mean that fault is not considered after an accident. However, regardless of fault, your injuries after an accident will be covered by personal injury protection coverage before any other type of insurance coverage.

Your car insurance policy must include PIP at the following minimums per accident:

• $4,500 per person for medical costs.
• $900 per month for 1 year for disability and loss of income.
• $25 per day for in-home services.
• $2,000 for funeral, cremation or burial expenses.
• $4,500 for rehabilitation.

Uninsured/Underinsured Motorist

Uninsured motorist coverage helps pay for your injuries if hurt in an accident with anuninsured driver.

Underinsured motorist coverage helps pay for your injuries if you are hurt in a car accident with a driver whose liability insurance is insufficient.

In Kansas, you must have uninsured/underinsured motorist coverage at the followingminimum limits per accident:

• $25,000 for bodily injury, per person.
• $50,000 for total injuries if multiple people in your car are hurt.

Optional Car Insurance Coverage

While it may seem like the best idea for your finances to buy only the minimum required coverage, you might find that in the case of an accident, it’s simply not enough protection.

If you want more out of your Kansas car insurance policy, consider adding these common optional types of coverage:

• Collision – This coverage will help you with damages to your car resulting from a traffic accident.
• Comprehensive – This will help with damages to your car that may result from other events not involving a traffic collision.
• Towing and labor.
• Rental reimbursement.

NOTE: Collision and comprehensive coverages are often required as part of a car loan or lease agreement.

Car Insurance Violations

If you are caught violating Kansas’ car insurance laws, you face indefinite suspension of your driver’s license.

Kansas Automobile Insurance Plan

Car insurance companies in Kansas have the right to refuse coverage to drivers they deem are too high risk to cover. The Kansas Automobile Insurance Plan assists high-risk drivers with obtaining car insurance.

If 3 companies refuse you coverage, you are eligible to apply for car insurance through the plan. Contact any Kansas-licensed car insurance agent for information on how to apply.

Other Car Insurance Issues

The Kansas Insurance Department (KID) assists consumers with several issues concerning insurance. You can contact the department with consumer complaints and fraud reporting.

Consumer Complaints

Before contacting the department with a car insurance complaint, you should first attempt to settle any dispute directly with your car insurance company.

If you cannot reach a resolution and wish to file a complaint, you can do so online at the KID website.

Insurance Fraud

Insurance fraud causes significant financial losses to insurance companies every year. Those losses typically get passed down to you through increases in premiums.

Car insurance fraud often involves:

• Staging car accidents.
• Lying about injuries.
• Lying about car property damage.

You can help fight car insurance fraud by reporting any suspected car insurance fraud to the KID.

Visit the KID website for more information on how to report insurance fraud.

Determining Your Car Insurance Rates

There are several factors that go into determining your car insurance rates in Kansas.

As you compare car insurance quotes, keep in mind that the following can factor into your premium:

• Driving record.
• Claims history.
• Credit history.
• Age and gender.
• Marital status.
• Zip code.
• Your car’s:
  • Make.
  • Model.
• Deductibles:
  • The amount you are responsible for paying before your insurance pays out.
  • The higher your deductible, the lower your premium.

KS Car Insurance Discounts

A good way to save on Kansas car insurance is to take advantage of discounts.

When shopping for car insurance ask about these common car insurance discounts:

• Multi-car.
• Good student.
• Good driver.
• Anti-theft device.
• Safety device.

While it’s important to ask about discounts that might be available, the biggest determiner of your ability to obtain a cheap car insurance quote is a good driving record. Make sure you know what’s on it and that you practice safe driving to keep it clear of violations.

Most Stolen Cars in Kansas

Driving a car that is a commonly targeted for theft can mean having to pay a higher car insurance premium.

The following is a list of 2013's most stolen cars in Kansas according to www.nicb.org:

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

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Car Insurance in Nevada

Nevada Car Insurance

Nevada car insurance law requires all drivers to carry liability insurance and validates all drivers’ insurance with an online verification system. Drivers who do not have valid auto insurance are subject to fines and other penalties.

Read below to find out more about required and optional car insurance, and ways to find affordable insurance in Nevada.

NV Car Insurance Requirements

Drivers in Nevada are required to have liability insurance.

Liability insurance pays for damage to another driver’s car and any injuries resulting from a car accident for which you are found at fault.

Nevada drivers must carry the following coverage minimums:

• $15,000 of bodily injury coverage per person.
• $30,000 of bodily injury coverage per accident.
• $10,000 of property damage coverage.

Auto insurance companies commonly list these limits as “15/30/10.”

Most insurance companies offer higher coverage limits for more protection. Ask your insurance agent for car insurance quotes of different limits to find the best plan for you.

Vehicle Registration

You must provide the Nevada Department of Motor Vehicles (DMV) with your insurance information:

• When you register your car for the first time.
• When you renew your registration.

NOTE: New residents must register a vehicle within 30 days of moving to NV.

When registering your vehicle, have your Nevada Evidence of Insurance cardavailable so that you can provide your policy number and other relevant information. (This card is issued by your insurance company.)

Nevada uses an online verification system, Nevada LIVE, to verify the insurance information that you provide.

Optional NV Car Insurance

Optional coverage protects you and your car when:

• You are at fault in a car accident.
• No one is at fault for an accident.
• You incur costs not covered by another driver’s liability insurance.

Common optional coverages are available to NV drivers:

• Collision coverage –Pays for accident-related damage to your vehicle.
• Comprehensive coverage – Pays for damage to your vehicle caused by external factors like theft or severe weather.
• Uninsured & underinsured motorist coverage (UM/UIM) – Pays for damage/injury caused by uninsured drivers or those without adequate insurance to cover your costs.
• Medical payments coverage – Pays medical expenses for you and your passengers.
• Rental reimbursement coverage –Pays costs toward renting a car while your car is being repaired after an accident.
• Towing and labor coverage – Pays for towing and roadside assistance.
• Guaranteed asset protection (GAP) coverage – Pays the remainder of a car loan if the car is a total loss and you owe more than it is worth.

NOTE: If you are financing or leasing your car, you may be required to buy collision coverage and comprehensive coverage as part of your car agreement.

Driving Without Car Insurance

If you drive without car insurance in Nevada, your driver’s license and vehicle registration can be suspended.

Notification of Suspended Car Insurance

The Nevada LIVE system checks the status of your car insurance throughout the year, including when you:

• Register your vehicle.
• Renew your vehicle registration.

If the system cannot verify your car insurance, you will receive a notification postcard from the NV DMV. You must respond within 15 days to avoid suspension of your vehicle registration.

Note that you may receive a notice when you change auto insurance companies.

To respond to the notification, go to the NV DMV online insurance verification page to input your valid insurance information.

You will receive EITHER:

• Immediate confirmation that your car insurance information is valid and a follow-up confirmation letter.
  OR
• A pending notification. The DMV will request your car insurance records from your insurer.

You will receive a certified letter to notify you of your vehicle registration suspension IF:

• You do not respond to the initial notification within 15 days.
  OR
• Your insurance company does not respond to the DMV’s request within 20 days.

If your registration is suspended, you will have to pay a reinstatement fee of $250 for a first offense.

Insurance Violation Penalties

The penalties for driving without insurance are based on:

• The duration of the lapse in your car insurance.
• The number of insurance violations you have had.

The penalties for driving without car insurance in NV include:

• Reinstatement fees varying from $250 to $750 depending on your number of insurance violations.
• Fines of up to $1000 depending on how long you went without auto insurance.
• SR22 insurance for 3 years if you did not have insurance for 91 days or more, regardless of how many violations you have had.
• Driver’s license suspension for a minimum of 30 days if it is your third violation for driving without car insurance, regardless of the length of the lapse.

If you cause an accident resulting in more than $750 in damage while uninsured, you can have your driver’s license and vehicle registration automatically suspended or revoked.

More information about the penalties for driving without car insurance in Nevada is available on the NVDMV page.

SR22

SR22s are required for Nevada insurance violations of 91 days or more and may be required for other violations such as drunk driving (DUI).

The SR22 is not insurance but rather is a guarantee that you will be insured for a certain period of time. In Nevada, the SR22 is required for 3 years.

An SR22 is also known as proof of financial responsibility. Your insurance company must file it with the NVDMV.

NOTE: If your SR22 lapses or is canceled, you may be required to begin the required period of 3 years again.

Driving Without Proof of Insurance

You must carry proof of auto insurance in your vehicle in the form of a Nevada Evidence of Insurance card issued by your insurance company.

Failure to present the Evidence of Insurance card to a police officer at a traffic stop or after an accident may result in a citation.

NV Car Insurance Regulation

Nevada car insurance is regulated by the Nevada Division of Insurance (DOI), which can help consumers with insurance questions and complaint resolution.

Questions or Complaints

To contact the NV DOI with questions about car insurance, call:

• Northern Nevada: (775) 687-0700.
• Southern Nevada: (702) 486-4009.

If you have an issue with an insurance company that cannot be resolved, you can file a formal complaint with the DOI online, by mail, or by fax.

• Online by completing the online complaint form.
  • You will first need to create an account by providing your name and contact information.
• By mail or fax:
  • Send the Consumer Complaint Form (DOI 310) to one of the regional office addresses or fax numbers published on the form.

NOTE: You may request that your complaint file be kept confidential from the public.

Car Insurance Fraud

Insurance fraud is illegal and can cost you money by contributing to state and national insurance rate increases.

Car insurance fraud can include:

• Filing a false claim.
• Exaggerating a claim.
• Staging a car accident.
• Forging insurance documents.

If you suspect insurance fraud, you can report it to the Nevada Attorney General Office’s by mail or telephone:

• Mail the Suspected Insurance Fraud Information Report to the address on the form.
• Call the fraud hotline at (800) 266-8688.

Nevada Car Insurance Rates

In Nevada, car insurance rates are determined by several factors. The car insurance quotes you receive from insurance companies may be based on your:

• Driving record (past 3 - 5 years).
• Age and gender.
• Marital status.
• Address.
• Past claims.
• Car’s make and model.
• Credit report.

You may also be eligible for discounts that will help you get affordable car insurance.

Credit Reporting and Auto Insurance

Car insurance companies may use your credit report to help determine your rating.

In Nevada, a car insurance company must inform you that they will use your credit information.

Not all insurance companies use credit history to determine rates. The Nevada DOI’s List of Nevada Private Passenger Automobile Insurance Companies by Usage Status of Credit-Based Insurance Scoring provides more information about which companies use credit history and how they use it.

Traffic Violations and Car Insurance

Your driving record is a key factor that insurance companies use to set your car insurance rates.

Having traffic violations on your record can raise your rates because you are a greater risk to the insurance company.

Some violations that may result in increased rates include:

• DUI.
• Reckless driving.
• Moving violations (e.g, speeding).

The best way to get the cheapest car insurance is to keep a clean driving record.

Car Insurance for High-Risk Drivers

If you have a history of violations, accidents, or claims, you may be considered a high-risk driver and insurance companies may elect not to insure you.

If you are unable to obtain insurance, you can apply through the Nevada Automobile Insurance Plan (NAIP). This plan assigns high-risk drivers to licensed insurance companies.

For more information about the NAIP or to apply for car insurance from the NAIP, contact the Western Association of Automobile Insurance Plans (WAAIP):

• By telephone: (800) 227-4659.
• Via e-mail: waaip@aipso.com.

The WAAIP will connect you with an auto insurance company that is legally required to insure you.

NV Car Insurance Discounts

Car insurance companies in Nevada offer a range of rate discounts, including:

• Multiple vehicles.
• Multiple policies (e.g., home and car).
• Safety and anti-theft devices.
• Good driver.

Teens and drivers over 55 years old can also get special discounts for completing driving education courses.

To get the best car insurance quotes, be sure to:

• Ask about discounts.
• Drive safely to maintain a good driving record.
• Always keep your insurance up to date.

Most Stolen Cars in Nevada

Driving a car that is a common target for theft can lead to higher car insurance rates.

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

1. Honda Accord.
2. Honda Civic.
3. Chevrolet Pickup (Full Size).
4. Ford Pickup (Full Size).
5. Toyota Camry.
6. Dodge Pickup (Full Size).
7. Nissan Altima.
8. Nissan Sentra.
9. Toyota Corolla.
10. Saturn SI. 

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