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
Automobile Insurance Rate Charleston West Virginia WV
Filed under: Non Owner insurance, SR22 auto insurance, Teen SR22
Reader’s Question:
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
Teen Automobile Insurance Charleston West Virginia WV
Reader’s Question:
I am eighteen years old and I recently got my permit. I am trying to get auto insurance on a car that was passed down to me. Can I get auto insurance in Charleston, West Virginia with just a learners permit?
Ben
Charleston, WV
According to the West Virginia law, all registered cars requires to be insured. The minimum amount of car insurance coverage required is $20,000 bodily injury liability up to, $40,000 per accident, for two or more injuries and $10,000 for property damage.
All car insurance polices in Charleston, West Virginia must be issued by an insurance carrier licensed to do business in West Virginia.
Insurance carriers in West Virginia may permit you to buy a car insurance policy but some insurers will likely want to determine when you will get your full license. You might be required to list a fully licensed driver over twenty one on your car insurance policy and/or to have a parent or legal guardian to sign the car insurance policy with you if you are a teen.
If you currently reside with your parents you might check if their insurance provider will sell you a separate car insurance policy which will be at a different insurance rate than your parents since you are still considered an inexperienced driver.
You may contact the WV Insurance Commission to get more information regarding insurance for teens.
Tags: auto insurance, teen insurance, Young driver car insurance
Teen Auto Insurance Parkersburg West Virginia WV
Reader’s Question:
How old do you have to be to get car insurance in Parkersburg West Virginia?
Simon
Parkersburg, WV
I am not aware of any age restriction in Parkersburg West Virginia regarding how old you needed to be to buy car insurance in this state in general. You may want to verify with the West Virginia Insurance Commissioner or DMV to know for sure if West Virginia requires you to be a certain age in order to carry auto insurance.
An insurance company will require any minor to have a parent or legal guardian to sign on a car insurance policy if you are obtaining it on your own and are a minor. Your parent or legal guardian would need to sign the contract with you because a minor can not enter into a legal contact.
An insurance provider will also require you to have a driver’s license so you cannot get auto insurance if you are below the licensing age of either state.
Tags: Beginner car insurance, teen insurance, Young driver car insurance
Young Driver Insurance Charleston, West Virginia WV
Reader’s Question:
We have non relative teenager in my household and she does not own a vehicle, am I required to place her on my car insurance in Charleston, WV if she has a drivers license?
Lane
Charleston, WV
Yes, most insurance carriers will require you to list the non-relative household member on your car insurance policy as a driver if she is a licensed driver. Normally, all licensed household members are required to be added as a driver or excluded on a car insurance policy by the insurance company not by state laws.
If you have a licensed household member in Charleston, WV, whether a roommate, or a relative etc, the insurance company believes that the individual will have access to your car and thus is a rating factor that should be on your auto insurance policy. If this individual is never going to drive your vehicle then you can check if your insurance company will permit you to exclude her. When an individual is excluded from an insurance policy it means that they will not be extended any insurance coverage even if they are driving your vehicle in an extreme emergency they would not be covered by your auto policy coverages.
Tags: auto insurance, teen insurance, Young driver car insurance
Car Insurance Morgantown, West Virginia WV
Reader’s Question:
I live in Morgantown, West Virginia. Am I required to have auto insurance if you do not have a vehicle?
Berry
Morgantown, WV
According to the West Virginia law, all registered cars needs to be insured. The minimum amount of coverage required is $20,000 for one injury, per accident up to $40,000, and $10,000 for property damage. This is also referred to as 20/40/10 coverage. All car insurance policies must be issued by a insurer licensed to do business in West Virginia.
So if you have a driver’s license but do not own a vehicle you are not required to carry car insurance to maintain your drivers license. You are not required to provide proof of insurance to obtain a driver’s license in Morgantown, West Virginia but you are if you are registering a car.
Tags: auto insurance
Auto Insurance Quote Huntington, West Virginia WV
Reader’s Question:
Is it true that having a lien on my car in Huntington, West Virginia will increase my auto insurance rate premiums?
Lewis
Huntington, WV
Most insurance carrier ask if you have a lien holder on the vehicle or have paid for it in full due to how they have filed their car insurance rates and/or to be certain that if the vehicle is financed you carry Physical Damage since it is most likely required by your lien holder. Typically it is not a rating factor that will increase your car insurance rates but just information an insurance company needs to properly quote you rates on the type of insurance coverage you will need on the car.
Comprehensive and collision coverage are the type of physical damage coverage that is usually required if your car is leased or financed. Normally lien holders require these coverages on a car to protect their interest or collateral, the car.
Tags: auto insurance, car insurance quotes, car insurance rate
Driving Without Insurance Parkersburg West Virginia WV
Reader’s Question:
What is the penalty for driving without insurance in Parkersburg West Virginia? Will the fine be reduced if get insurance when going to face the court?
Burrow
Parkersburg, WV
All West Virginia drivers are required to carry proof of insurance, in the form of a certificate of insurance (WV-1), in their car at all times. West Virginia law has several severe penalties in place for motorists who fail to provide proof of insurance.
Administrative penalties affect your vehicle registration and driver’s license and usually include suspension of both reinstatement fees after the suspension period is up. Criminal penalties are taken care of in magistrate court and may include jail time and fines. Dismissal of the ticket in the West Virginia court system does not release the driver from their obligation to provide insurance to the West Virginia Division of Motor Vehicles upon request.
The penalties or fines for driving without insurance or having no proof of insurance in Parkersburg West Virginia may not be reduced if you get auto insurance before facing the court but it would be best to obtain it even it didn’t since it will be required of you to acquire and send proof in immediately anyway.
Tags: auto insurance, automobile, driving without insurance
Automobile With Salvage Title Wheeling West Virginia WV
Reader’s Question:
I just bought a 99 Mazda Miata in Wheeling, West Virginia. It was supposed to be good retail value about $12,600. I just found out that it will have a salvage title because of previous history. The vehicle looks great and mechanically seems good. What would you estimate that the Retail Value of the vehicle would be now knowing these facts?
George
Wheeling, WV
In many states such as West Virginia, vehicles with salvage titles are prohibited from being registered but some states permit the title to be changed to rebuilt after an inspection proving it to be street worthy. I suggest that you check to make sure you can register the car or you may have to go back to who sold the vehicle to you.
The retail value of the Mazda Miata will vary depending on the transmission type, mileage, trim and your location. After that is determined the value will then be brought down more because of the salvage title.
Verify with your insurance company to make sure they will insure the Miata with the salvaged title.
Tags: automobile
Auto Insurance Discounts Charleston West Virginia WV
Reader’s Question:
I paid the past due amount to the old insurance provider before obtaining an insurance policy with a new insurance company – as we couldn’t renew the old one unless I paid them an amount up-front. We have a decent insurance rate with the new insurance company, but one month later, we received a letter that stated the discounts were removed because of the lapse in our coverage. If our car insurance policy in the past has lapsed, are we going to be targeted for higher insurance rates in Charleston WV?
Pam
Charleston, WV
Some insurance providers in Charleston WV offer discounts for transferring your insurance to them with less than 7 days lapse in your coverage. Other insurance providers ‘tier’ their insurance rates. The lapse’ amount of time in your coverage helps determine your ‘tier.’ Make sure you ask for the discounts for auto insurance with the prior insurance as rewards for being able to keep your coverage together without lapse. So, as a result, even though your car insurance rates are higher because of the lapse in coverage, try not to feel like you are being punished or ‘targeted.’
Tags: car, Car insurance discounts