Automotive Insurance Claims West Virginia WV
Reader’s Question:
I live here in West Virginia, and an automotive insurance agent is asking me to disclose information about all my children who are 10 years old and above. I want to know why they are requiring me to do this.
Anita
Huntington, WV
Automotive insurance companies use this data for different reasons. You may find that some companies ask this information because it is required by state laws. Typically, they use this information for coverage and liability exposure. This doesn’t normally affect the rate of the automotive insurance, but this information may be deemed as important data in tracking down claims during the time of loss.
There are some automotive insurance companies that require not just the names but also the ages of the household members. The age requirement is used to see which ones are potential drivers. It is important to disclose the ages of the household members because there are some policyholders who do not update their automotive insurance carriers about those members who just got their driving licenses just to avoid the increase in their premium.
If the insurance carrier increases the amount of your premium because of the household members who are not yet of legal driving age, you should contact them immediately and ask for an explanation. If you’re not satisfied with their answer, you may try contacting West Virginia’s insurance regulator, so they will be the ones to ask your auto insurance carrier for their rating system.
Tags: auto insurance claims, auto insurance coverage, auto insurance premium
High Risk Driver Insurance Charleston, West Virginia WV
Reader’s Question:
I am classified as a high risk driver here in Charleston, West Virginia. How come I was classified as one?
Clay
Charleston, West Virginia
You must be one heck of a driver then, to be classified as a high risk driver. Are you even aware of the implications? I think not, because then you wouldn’t be one had you known.
Well, the most important thing you have to know is that being a high risk driver means that you are going to be paying a bigger insurance bill. Now, there are a lot of factors as to why you were classified as a high risk driver. First, you have to think of your record as a driver. Being always at fault at accidents definitely makes you a high risk driver. But even if you are not always at fault but you always get yourself into car accidents or if you always get speeding tickets, it is assumed that the chances for you to get into a car accident goes up and that there is an apparent pattern here of how you are as a driver.
Okay, what I am going to say next can be quite frustrating, but there is nothing we can really do about these things but accept them. Usually, insurance companies see drivers differently. Men are normally considered as higher risk than women because it is assumed that men are more prone to be reckless. Also, teenagers are seen as high risk drivers unlike the case with adult drivers. Finally, since you are from Charleston, WV, you may be considered a higher risk compared to the people from the rural areas. For the most part, these are what I know, but I think there are a lot of other factors that could have been the reason why you were classified as a high risk driver.
Tags: auto insurance, high risk insurance
Auto Insurance Question Charleston West Virginia WV
Filed under: Non Owner insurance, SR22 auto insurance, Teen SR22
Reader’s Question:
My driver’s license got suspended a couple of months ago and in two months my insurance expires. Do I even have to renew it even if I’m suspended for ten years?
Tom
Charleston, WV
Aw, Tom, what a waste not to be able to drive around a beautiful place such as Charleston, West Virginia. What happened? Well, anyway, you still have to renew your insurance even if your future looks gloomy and you are not allowed to drive for the next ten years. Too bad, too bad. Yes, even if it’s just gathering dust in your garage, you will need to renew because the truth of the matter is, it is the car the should be insured, the driver is only secondary. No worries, though. The premium is going to be much, much lower now that it sits in your garage than when you were still driving it. Also, if you have kids or brothers or sisters or whoever from your household who relishes the idea of using your car on a regular basis while you are still on suspension, then that leaves you with no choice but to declare them on your policy.
You actually have some choices here. One, you can renew your car’s insurance for a minimal cost. Two, oblige whoever is going to use it, if there is one, to pay for the premium. Or three, sell the friggin’ car.
Tags: auto insurance, car insurance