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

I was driving my friend’s vehicle when I got into a minor accident. My question is, will my auto insurance rates and my friend’s insurance rates go up in Charleston, West Virginia?

Amanda

Charleston, WV

Insurance carriers in Charleston, West Virginia look at different factors to know a risk factor or rate for a driver or an automobile.

So basically, yes, your car insurance rates may be affected by this minor accident. Insurance carriers use your driving history in calculating rates. for risk factors.

And yes, your friend’s car insurance rates can be also affected if their insurance carrier had to pay an insurance claim for this accident; insurance carriers use car insurance claims history to calculate risk factor for car insurance rates.

If both your car insurance rate is affected, I suggest that you should shop around for new vehicle insurance. There are a lot of insurance carriers that do not use these items as risk factors. The best way to find these insurance companies is to shop for car insurance.

Tags: auto insurance claims, car insurance rate