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Questions and Answers RSS FeedsWhen the PIP law went into affect 01-01-08, health care providers are require to submit a health provider certificate, the insurance adjusters are sending back our claims asking for this information. My question is where do we get this form from? Could you please let me know the form # and how I can obtain it for the adjusters. Thank You - If appears you are referring to the No-Fault reforms that took place in Florida in 2007 and which went into effect as of January 1, 2008. The Florida Office of Insurance Regulation (OIR) has created the form titled Health Care Provider Certification of Eligibility for PIP B ...Feed Source: www.carinsurance.com I am a CDL driver and I got a ticket in New Mexico and live in Texas. Do these two states report to each other? Will Texas assess point towards my license from a ticket in another state? Thank you for your help. - Texas and New Mexico are both members of the Drivers License Compact (DLC) which means that TX and NM share information with other states regarding moving violations drivers were convicted of in court or by pleading guilty and paying the fine. So if you are convicted of the NM ... Can a seventeen year old girl have a car titled to her and get car insurance in her name only in the state of Illinois? - In Illinois there is no law prohibiting a minor from holding the title to a vehicle. However, the IL Secretary of State (SOS) advises caution to those that may sell a vehicle to someone younger than 18, because only a buyer 18 and older can be legally bound to a sales contract ... Full torque or limited torque insurance? What is the difference? - We are not familiar with the terms full and limited torque with regards to auto insurance but believe you may be referring to full or limited tort car insurance coverage. Full Tort allows a motorist and policyholder to retain unrestricted rights to bring a lawsuit against the ... How old do you have to be to drive an emergency vehicle in the state of North Carolina? - From what we have read on this subject it appears that different areas of North Carolina have different rules regarding the age of the driver of an emergency vehicle. The minimum age appears to be at least 18 however some areas and firehouses, etc have upped their minimum requ ... I am switching insurance companies but my current policy is paid in full till April, it is now August. Will I get a reimbursement check for the remaining time? If so, how do they calculate it? - If you cancel with your auto insurance provider before the end of your policy but have already paid in full through April of next year then yes, you should receive a refund for the unused portion of your policy. How a refund is calculated depends upon state laws and then also th ... Is medical expense coverage necessary for auto insurance if you have bodily injury liability? - Medical Payments (Med Pay - MEDPM) coverage covers medical expenses to you and your passengers injured in an accident. There may also be coverage if as a pedestrian a vehicle injures you. With Med Pay it does NOT matter who is at fault. Medical payments may also cover policyho ... What is a supplemental death benefit endorsement? - What is included in a supplemental death benefit endorsement differs depending upon state laws and the offerings of an insurance carrier. A basic definition of an accidental death benefit (ADB) that is part of an auto insurance policy which pays if bodily injury sustained in a ... I have a driver license of Illinois State and while visiting Toronto I got a speeding ticket in Cambridge, Ontario. How does it effect my Illinois driving record? - This out of state ticket that you received in Toronto, Ontario, Canada may or may not affect your Illinois driving record. The IL Secretary of State (SOS) keeps records of the traffic violations and accidents you accumulate while a resident of Illinois. If you are convicted o ... I just got a ticket for a "fail to yield right of way from stop sign" in Nevada I live in Arizona. It is my first ticket in over 10 yrs how many points is it and will it affect my insurance? - Nevada and your home state of Arizona are both members of the Drivers License Compact. This Compact requires member state to report back to the state in which a driver is licensed any conviction of traffic tickets. So the AZ Department of Transportation should be notified by the ... I just received a speeding citation in North Carolina for going 84 in a 65. The citation said I must go to court and does not list a fine. I live in Pennsylvania. What happens if I do not go to court? Will I have a warrant out for my arrest? Will this cause my insurance to go up? Thanks! - Pennsylvania and North Carolina are both members of reciprocal agreements called the Drivers License Compact (DLC) and Non-Resident Violators Compact (NRVC). The DLC requires member states to report back to the licensing state of a motorist that was convicted of a moving viola ... My wife backed into pole while at the grocery store, our SUV is totaled. Is the insurance going to cover this, we did have "full" coverage? Will our insurance payments go up? - Yes, if you have collision coverage on your SUV then your auto insurance should cover damages caused by your wife backing into a pole at the grocery store. You will need to pay the deductible associated with your collision coverage and make a claim under this portion of your p ... How many points are deducted from you driving record in the state of Arizona for a red light violation? Also, how many points are you allowed to lose before you lose driving privileges, and how would that affect my insurance rate? - Arizona law ( R17-4-404 ) requires the Motor Vehicles Division (MVD) to assess points to a driver for each violation ending in a conviction or judgment. So you accumulate demerit points, not lose points when you are convicted of moving violations such as speeding or running a re ... I am insured in the state of New Jersey. Do insurance points show up on MVR or only license points? In NJ if you get into an accident and file a claim but no (violation) ticket was given, can this still result in drivers license points or are only insurance points assigned?What if I am involved in two at fault accidents within a 3 year period (no tickets given), will this result in the insurance company notifying DMV? Are insurance points only given if a violation ticket is given? - The New Jersey Motor Vehicle Commission (MVC) only records DMV points, not insurance points, to your NJ driving record. The NJ MVC notes that if you are convicted of a moving violation, MVC will penalize you by adding points to your driving record. You will only get points on ... What are the requirements in Washington state regarding proof of insurance if you are driving some else's vehicle? If they have proof of insurance in the vehicle is it also required that I carry proof of personal automobile insurance? - Normally showing proof of insurance for a vehicle is enough if that insurance covers you for driving the car. For example if you borrow a friend's car and they have read through their policy and checked with their insurance agent to make sure that you are covered under this poli ... If I get a speeding ticket in Maryland while driving a personal car do the points transfer to Delaware? Is there any discipline that will come from this? - Both Maryland and your home state of Delaware take part in the Drivers License Compact (DLC). The DLC requires member states to exchange information regarding traffic violation convictions. So Delaware will be notified of this speeding citation by the MD courts once you are conv ... If you have a Michigan license and get a ticket in Toronto, Canada will you receive points? - Yes, likely the traffic offense will be placed on your Michigan driving record and assigned points if you are convicted of it in Toronto, Canada. According to the Ministry of Transportation of Ontario (MTO), they have reciprocal agreements currently with the State of New York, ... I got a ticket (offense 40-5-20) for driving a rental car in Atlanta, Georgia. I was carrying a valid Indian license (not IDP) but still officer issued a ticket. However I think it is valid to drive on foreign country license in Georgia. Do I need to appear in court or pay some fine? I will be leaving from the US soon and can't appear in court. - You will need to call the court to determine what penalties you may be facing and if there is a way in which to get this ticket dismissed. In general in the US if you are a tourist or visitor and have a valid foreign license you can drive up to a year with your foreign license b ... If I co-sign a loan for a car in Arizona and the main driver causes an accident can I be held liable in a civil suit? - In general, if you have your name on the title of a car and are considered a co-owner then you have vicarious liability for the actions of anyone who operates the vehicle. So if as a co-signer you had your name placed on the title and/or registration of the car then likely you w ... What does liability insurance cover? - Liability coverage helps protect you from covered damage your car does to others, damage for which you are legally liable and without liability insurance would have to pay out of pocket for damages you cause. In some cases these damages could grow into hundreds of thousands of ... Copyright © 2008, Real Estate Investment Tips. All Rights Reserved. |