My Car Insurance

According to the article “The Effects of a DUI on Car Insurance Quotes” by insuranceagents.com, auto insurance quotes can skyrocket after a Driving Under the Influence violation is on your record.

Not only will a DUI on your record cause your auto insurance quotes to increase, but your license may be suspended and your current auto insurance policy may be cancelled, leaving you in a tough spot to find new auto insurance fast. 

There is a zero tolerance for drinking and driving in the United States because of how terribly dangerous it is to the driver, passengers and other people driving on the road.  Not only are you putting lives at risk if you drink and drive, but you are setting yourself up for a potentially very expensive road as well as possible jail time.

The controversial introduction of mandatory Wisconsin auto insurance has sparked debate in the state of Wisconsin, prompting many Democrats to defend the decision to introduce changes. According to media reports, Republican lawmakers and critics of the new changes have resorted to distributing leaflets and flyers to residents of the state in hopes of further igniting public protest against the insurance regulations.

Critics say that the Democrats in state legislature are to be blamed for the introduction of mandatory car insurance in Wisconsin. The state is one of only two states not requiring motorists to have proof of insurance.

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Andy Jekins: My car insurance bill was due about 3 weeks ago, but I didn’t pay for it yet. Will anything happen? Will they tow my car or will they just make me pay an extra fee?

Some insurance give you a 30 day grace period and then send you a cancellation notice. The notice is usually 10 days before the cancellation date. Very few carriers actually cancel the policy one day after the due date.

In many states, there are strict laws concerning lapsed insurance. In Georgia, if policy is cancelled the Dept. of Motor Vehicles is notfied after 10 days and will be fined. If it is your first offense, just pay your insurer to reinstate  your policy. If it is a second offense, the fine is bigger.

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Padma Lakshmi :I would like to know what total breakdown is and whether this is covered in an auto insurance policy? 

Response : A total breakdown is when the vehicle becomes totally immobile and cannot be driven even a short distance to reach a repair shop, thereby necessitating a tow.  This can occur for a variety of reasons, including complete engine failure, or a dead starter or battery, though a dead battery may be able to be temporarily resolved with a jump start.

When a total breakdown occurs, the motorist may be able to have the service paid for by a roadside assistance plan.

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