Question 1
Moved from Indiana to California-- Can I keep my auto insurance?... My Indiana auto insurance covers way more then the required in California... so that wouldn't be an issue. I moved here two months ago and recently got a letter in the mail from the DMV stating that I need to show them "proof of insurance" or my registration will be suspended...
I was just wondering if, for now, I can show them my Indiana insurance (which is still in force and I am paying).... or do I have to switch to California insurance immediately?
The reason I am wondering is to get California Insurance it will cost me twice as much as what I am paying now and that's WITH a higher deductible and MUCH less coverage.
Thanks.. but that's not what I am asking.. I am asking if I can KEEP my Indiana insurance while residing in california... at least for a little while
Answers
1) Insurance in CA,is not cheap.I would shop around,get a better quote,then tell your existing company of the cheaper offers.They'll probably match it. - J M
2) If your insurance co. does business in Cali. then yes, you can keep your current company. It's a matter of updating your address, blah, blah, blah. You MUST do this to remain legal.
If your company doesn't do business in Cali. then no, you'll have to find a new one. But in the mean time, your proof of insurance is your current company.
GO HOOSIERS! - geezuskreyest
3) You can keep it for a short time as long as it is still registered in CA. If you reregister the vehicle you will not be able to keep it. Proof of insurance is processed electronically in most states so you want to make sure your registered state matches your insurance state. - Wise Guy
4) First, I am not sure if your Indiana insurance policy covers cars that are being kept in California, so you might not have any coverage.
Second, the CA DMV website says:
"If you are visiting California, or have just moved here, be aware that many out-of-state insurance companies are not authorized to do business in California. Before you drive here, ask your insurance company if you are covered in case of an accident. If you have an accident in California, all three of the following conditions must be met to avoid suspension of your driving privilege:
"Your liability policy must provide bodily injury and property damage coverage which equals or exceeds the limits stated above;
"Your insurance company must file a power of attorney, allowing the DMV to act as its agent for legal service in California; and
"You must have insured the vehicle before you came to California. You cannot renew the out-of-state policy once the vehicle is registered in California."
Even if you have the required amount of insurance, if your insurance company did not "file a power of attorney, allowing the DMV to act as its agent for legal service in California", then your license (to drive any car, not just this one) will be suspended if you have an accident without first obtaining CA insurance. - StephenWeinstein
5) No... Your Indiana insurance will not be accepted in California. You may be able to transfer (keep) it but you must ask your Indiana agent. If they do business in California they will suggest a local agent for you to transfer to. Not all insurance companies are licensed in every state. It is illegal not to notify your old company that you moved. Even if you are allowed to transfer there will most certainly be a rate change since where you live makes a big difference as to rates. You cannot simply do nothing, you must notify the Indiana insurance company. - entidtil
6) Amber, For car insurance the fastest method to get a free quote is do a auto policy comparison. If you choose the same coverage levels, you can get an quick quote to compare against others. Use the same zip code, auto make and model, mileage and driving history to ensure you get an apples to apples comparison. To get easy auto quotes, go to http://www.lowestquoteonline.info/Auto-Insurance.html and you can compare the major auto insurance companies. - Adalberto V
7) Technically you have kept your Indiana insurance for a little while since it has been 2 months.
CA has one of the lowest limits out there. 15/30/5, whereas the minimum for IN is 25/50/10. I imagine a lot of people living in CA are sued a lot for such low limits, since $5,000 is way to low for repairs of an auto, or even for injuries with a max of $30,000.
If you are insured with a big auto company, it is possible that they are licensed in CA also. Call them and find out. If they are licensed there, they will issue you a CA policy, but make sure you keep the higher limits. Either way, CA rates are higher than IN, just like in the state of MI, they pay probably 2 to 3 times higher than IN.
But before you call your old company, call an agent and get some quotes 1st to compare. This way if your current insurance is licensed in CA, you can compare if lower or not. Also once they know about your change of address, they may immediately cancel your insurance and you would then be uninsured.
good luck - lucy
8) No, you can't. California insurance is among the most expensive in the US, because the roads are more congested and accident rates are higher. If it were that easy, everyone would just move from another state and keep their old insurance which is based on risk factors in other states, and the insurance companies would go bankrupt. Once you move to California, you must get a new policy within 10 days of arrival. If it has been more than 10 days since your arrival, and you get into an accident, your insurance company will not pay unless you can prove that you were on a temporary visit. - gomanyes
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Question 2
Who is at fault (traffic)?... My roommate was parked over 5 feet into our driveway blocking me half in. I backed up to get to work it cleared the backup sensors but my wheelbase came out and scratched his bumper. I was just going to fix it but he wont drop the subject when he was an idiot (i think illegally parked). Would I be liable to fix his car if I can prove he was parked improperly?
He works a midnight shift while I work an afternoon shift so he was sleeping and would not have gotten up to do it. There is always parking on the curb across the street where he could legally park.
It says under CA law it is illegal to park in front of a driveway.
Answers
1) Legally, I'm guessing you would both be at fault since he was partially blocking your driveway but you hit a parked car.
Morally, I'd say you're at fault because you knew who the car belonged to. If you knew that you may have trouble getting out of your driveway, you should have asked your friend to move his car so you could get out. - Bandit-05
2) Just because he was parked illegally doesn't give you the right to hit him. You should have got him to move the car. - mustanger
3) Just because it may have been illegally (improperly or whatever) parked doesn't mean it's not 100% your fault. You could have asked him to move the damn car, you know? - chris2EM
4) Illegally parked on private property, No.
Was a police report filed of the damage at the time of the incident, if not the insurance won't touch it and in any civil court you don't have any chance. - Rahouel
5) The simple fact is you hit a stationary object. You are required to keep full and complete control of your vehicle at all times. It does not matter how the other vehicle was parked, that does not give you the right to damage it.
Pay for his repairs and quit the idiot competition - fire4511
6) (sigh...)
Dude, you crashed into his PARKED car -- backup sensors, parked illegally, blah, blah, etc, etc -- you hit it, YOU are libel 100%. Just file a claim under your insurance policy and be done with it. - Cowboy Bill
7) unfortunately you have damaged his property you are responsible sorry - gazz
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Question 3
Car drove into my house, should I get a settlement?... First of all I want to say I am not a "sue happy" type person.. In fact I'm very much against it..
Recently a young driver drove into our home (we do not own it, we rent), missing our bed by less than 5ft..
We are grateful that no one including the driver was seriously injured, but for the past 2 weeks my husband and I both are having vivid nightmares and issues with where are bedroom is currently located at..
Now we both know that its a 1 in a million chance for it too happen again (or so we hope), but this is really starting to cause some serious stress on both of us..
Should we talk with the insurance company about our issues to see if they are willing to pay for possible therapy help (settlement), or should we just chalk it up as an experience that we won't forget soon??
Answers
1) the homeowner gets the cash to do the repairs
i highly doubt you'll get emotional damage $ - Brianna S
2) I don't think you will get very far with a lawsuite or request for funds. There is some expected stress with any accident. The driver was stressed, any witnesses might be stressed. The landowner would be stressed. The workers could hear about it and be stressed.. I think if companies paid out on every stressfull accident for every person that was stressed by it, well that would get expensive, so you can see it's a very slippery slope. I'm not saying they are as directly affected as yourself, they are not. But where would you draw that line?
None was hurt, The stress will subside. If your truely worried talk to the land owner about perhaps planting a tree or shrubs at the corner to act as an additional barrier. Or...move. I think those would be the same recomendations you would get from the insruance company or lawyer.
Additonal: aww 2 thumbs down for the only 2 answers.. hmm someone is obviously "sue-happy"
Sorry to tell you, but these are realistic answers. If you give thumbs down, lets hear a better answer with some facts to back it up? - G6er
3) You are due compensation for all your losses. You should be paid for any and all damages to your property (clothing, carpet, furniture) You should also be paid for any and all costs of shelter (hotel, meals away from home) while the home is not inhabitable.
If you consult a medical professional about your fear and reaction to the accident, you may be able to have the cost covered, and may be due a settlement.
Consult a lawyer if there are questions. - fire4511
4) The drivers auto insurance company will owe for the landlords damages to the house and to all of your personal property that was damaged in this accident. If the house is uninhabitable while being repaired, you will need to get housing till repaired. The auto insurance should be responsible for that also. But make sure they state how much they will allow, otherwise you could be out of pocket for that. If the house is uninhabitable, is it open where someone could come in? If so, you may need to store furniture etc to protect from other damages.
But 1st talk to the auto company and inquire how much insurance does this guy have? Since the home, your personal property, another rental could add up and if the guy does not have enough insurance to pay, then both your landlord and yourself will be out of pocket for the balance. At that time, the landlord could file under his homeowners and if you have rental coverage, it would pick up. But if the guy does not have enough insurance, even if you tried to sue and he has no assets, you collect nothing, since you cant collect nothing from nothing.
Since neither you or your husband suffered injuries, it would be almost unlikely you could file for any kind of settlement, even for the therapy, since you were not injured. Some states do recognize emotional distress, but most likely you have to have been injured 1st.
good luck - lucy
5) Since you're renters, the only payment you could get would be for damage to your personal property, along with increased living expense, if you need to stay in a motel for a while IF you have a renter's policy. Chances of getting "pain and suffering" in this case are remote. - David
6) No.
This is absolutely ridiculous -- do you honest-to-God believe that you two need therapy because you can't sleep since the accident??
You both need to have a reality check, grow the heck up and just get on with your lives. Don't go through life being scared of your shadow and being a big baby.
Sheeeze... - Cowboy Bill
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Question 4
will my kids be compensated if they were with me in hat car and were hit in the rear ,while car was station?...
Answers
1) Were they injured?? Just because you were involved in an accident doesn't mean you get $$$$ above and beyond what it takes to fix your car. - Tony
2) I agree with Tony. Compensated for what?
Costs for the car and medical costs - yes. - probablygraham
3) Insurance wise the policyholder claims. Included in the claim would be injuries to any occupants. The insurers normally handle the entire matter on your behalf. - BARRY B
4) Yes but you will need the hospital records for the day of the accident to give your insurers so they can claim any damages for injuries sustained that will have an ongoing effect on them.
You can't just claim to make a bit of extra cash out of them. - who_is_jack_shit
5) If they were injured they might be compensated but it is not automatic.
what does "while car was station" mean ? - entidtil
6) Compensated for WHAT? Are they injured? Did they spend weeks in the hospital? Did they miss work?... - Cowboy Bill
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Question 5
Is a rebuilt title bad?... Just was wondering because i know that i salvage title isn't good.
Thanks
Answers
1) answer
http://answers.yahoo.com/question/index;_ylt=As8UjyAz9k39BngoQCUuNSXsy6IX;_ylv=3?qid=20091106172127AACtp3V - Randy
2) Yahoo answers is making me answer this because I don't have enough points to ask - Jimmy
3) Ever had a serious injury, like a broken bone, that you healed from?
If you were a car, you'd have a rebuilt title.
All a rebuilt title says is something was wrong, and it has been inspected, and deemed fixed.
What's bad about that? Would you rather it not have been fixed?
Just simple logic....
And a salvage title isn't "bad", exactly, either. It just means that some damage to the car was more than the value of the car.
I have a 1980's Supra, worth around $1200 to the insurance company. If I got into a fender bender, a new paint job, fender, and hood, would cost more than the car.
And it would get a salvage title. Doesn't mean anything is wrong with the car. Just needs some cosmetic work. - Vipassana
4) they used to call rebuilt and salvage the same thing/JUNK/ now the the new stuff is better salvage etc/lemon law is now returned to dealer/whats the diff/ the terminology is changed/its still junk or lemon the new terms are still the same old junk - ken k
5) i agree with the previous poster....i own a rebuilt car...nothing is wrong with it...no problems at all - NINA K
6) When a salvage titled car is fixed, and inspected, and allowed to be on the roads again, it is issued a rebuilt title. Any branded title can be problematic. - oklatom
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Moved from Indiana to California-- Can I keep my auto insurance?... My Indiana auto insurance covers way more then the required in California... so that wouldn't be an issue. I moved here two months ago and recently got a letter in the mail from the DMV stating that I need to show them "proof of insurance" or my registration will be suspended...
I was just wondering if, for now, I can show them my Indiana insurance (which is still in force and I am paying).... or do I have to switch to California insurance immediately?
The reason I am wondering is to get California Insurance it will cost me twice as much as what I am paying now and that's WITH a higher deductible and MUCH less coverage.
Thanks.. but that's not what I am asking.. I am asking if I can KEEP my Indiana insurance while residing in california... at least for a little while
Answers
1) Insurance in CA,is not cheap.I would shop around,get a better quote,then tell your existing company of the cheaper offers.They'll probably match it. - J M
2) If your insurance co. does business in Cali. then yes, you can keep your current company. It's a matter of updating your address, blah, blah, blah. You MUST do this to remain legal.
If your company doesn't do business in Cali. then no, you'll have to find a new one. But in the mean time, your proof of insurance is your current company.
GO HOOSIERS! - geezuskreyest
3) You can keep it for a short time as long as it is still registered in CA. If you reregister the vehicle you will not be able to keep it. Proof of insurance is processed electronically in most states so you want to make sure your registered state matches your insurance state. - Wise Guy
4) First, I am not sure if your Indiana insurance policy covers cars that are being kept in California, so you might not have any coverage.
Second, the CA DMV website says:
"If you are visiting California, or have just moved here, be aware that many out-of-state insurance companies are not authorized to do business in California. Before you drive here, ask your insurance company if you are covered in case of an accident. If you have an accident in California, all three of the following conditions must be met to avoid suspension of your driving privilege:
"Your liability policy must provide bodily injury and property damage coverage which equals or exceeds the limits stated above;
"Your insurance company must file a power of attorney, allowing the DMV to act as its agent for legal service in California; and
"You must have insured the vehicle before you came to California. You cannot renew the out-of-state policy once the vehicle is registered in California."
Even if you have the required amount of insurance, if your insurance company did not "file a power of attorney, allowing the DMV to act as its agent for legal service in California", then your license (to drive any car, not just this one) will be suspended if you have an accident without first obtaining CA insurance. - StephenWeinstein
5) No... Your Indiana insurance will not be accepted in California. You may be able to transfer (keep) it but you must ask your Indiana agent. If they do business in California they will suggest a local agent for you to transfer to. Not all insurance companies are licensed in every state. It is illegal not to notify your old company that you moved. Even if you are allowed to transfer there will most certainly be a rate change since where you live makes a big difference as to rates. You cannot simply do nothing, you must notify the Indiana insurance company. - entidtil
6) Amber, For car insurance the fastest method to get a free quote is do a auto policy comparison. If you choose the same coverage levels, you can get an quick quote to compare against others. Use the same zip code, auto make and model, mileage and driving history to ensure you get an apples to apples comparison. To get easy auto quotes, go to http://www.lowestquoteonline.info/Auto-Insurance.html and you can compare the major auto insurance companies. - Adalberto V
7) Technically you have kept your Indiana insurance for a little while since it has been 2 months.
CA has one of the lowest limits out there. 15/30/5, whereas the minimum for IN is 25/50/10. I imagine a lot of people living in CA are sued a lot for such low limits, since $5,000 is way to low for repairs of an auto, or even for injuries with a max of $30,000.
If you are insured with a big auto company, it is possible that they are licensed in CA also. Call them and find out. If they are licensed there, they will issue you a CA policy, but make sure you keep the higher limits. Either way, CA rates are higher than IN, just like in the state of MI, they pay probably 2 to 3 times higher than IN.
But before you call your old company, call an agent and get some quotes 1st to compare. This way if your current insurance is licensed in CA, you can compare if lower or not. Also once they know about your change of address, they may immediately cancel your insurance and you would then be uninsured.
good luck - lucy
8) No, you can't. California insurance is among the most expensive in the US, because the roads are more congested and accident rates are higher. If it were that easy, everyone would just move from another state and keep their old insurance which is based on risk factors in other states, and the insurance companies would go bankrupt. Once you move to California, you must get a new policy within 10 days of arrival. If it has been more than 10 days since your arrival, and you get into an accident, your insurance company will not pay unless you can prove that you were on a temporary visit. - gomanyes
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Question 2
Who is at fault (traffic)?... My roommate was parked over 5 feet into our driveway blocking me half in. I backed up to get to work it cleared the backup sensors but my wheelbase came out and scratched his bumper. I was just going to fix it but he wont drop the subject when he was an idiot (i think illegally parked). Would I be liable to fix his car if I can prove he was parked improperly?
He works a midnight shift while I work an afternoon shift so he was sleeping and would not have gotten up to do it. There is always parking on the curb across the street where he could legally park.
It says under CA law it is illegal to park in front of a driveway.
Answers
1) Legally, I'm guessing you would both be at fault since he was partially blocking your driveway but you hit a parked car.
Morally, I'd say you're at fault because you knew who the car belonged to. If you knew that you may have trouble getting out of your driveway, you should have asked your friend to move his car so you could get out. - Bandit-05
2) Just because he was parked illegally doesn't give you the right to hit him. You should have got him to move the car. - mustanger
3) Just because it may have been illegally (improperly or whatever) parked doesn't mean it's not 100% your fault. You could have asked him to move the damn car, you know? - chris2EM
4) Illegally parked on private property, No.
Was a police report filed of the damage at the time of the incident, if not the insurance won't touch it and in any civil court you don't have any chance. - Rahouel
5) The simple fact is you hit a stationary object. You are required to keep full and complete control of your vehicle at all times. It does not matter how the other vehicle was parked, that does not give you the right to damage it.
Pay for his repairs and quit the idiot competition - fire4511
6) (sigh...)
Dude, you crashed into his PARKED car -- backup sensors, parked illegally, blah, blah, etc, etc -- you hit it, YOU are libel 100%. Just file a claim under your insurance policy and be done with it. - Cowboy Bill
7) unfortunately you have damaged his property you are responsible sorry - gazz
___________________________________________________
Question 3
Car drove into my house, should I get a settlement?... First of all I want to say I am not a "sue happy" type person.. In fact I'm very much against it..
Recently a young driver drove into our home (we do not own it, we rent), missing our bed by less than 5ft..
We are grateful that no one including the driver was seriously injured, but for the past 2 weeks my husband and I both are having vivid nightmares and issues with where are bedroom is currently located at..
Now we both know that its a 1 in a million chance for it too happen again (or so we hope), but this is really starting to cause some serious stress on both of us..
Should we talk with the insurance company about our issues to see if they are willing to pay for possible therapy help (settlement), or should we just chalk it up as an experience that we won't forget soon??
Answers
1) the homeowner gets the cash to do the repairs
i highly doubt you'll get emotional damage $ - Brianna S
2) I don't think you will get very far with a lawsuite or request for funds. There is some expected stress with any accident. The driver was stressed, any witnesses might be stressed. The landowner would be stressed. The workers could hear about it and be stressed.. I think if companies paid out on every stressfull accident for every person that was stressed by it, well that would get expensive, so you can see it's a very slippery slope. I'm not saying they are as directly affected as yourself, they are not. But where would you draw that line?
None was hurt, The stress will subside. If your truely worried talk to the land owner about perhaps planting a tree or shrubs at the corner to act as an additional barrier. Or...move. I think those would be the same recomendations you would get from the insruance company or lawyer.
Additonal: aww 2 thumbs down for the only 2 answers.. hmm someone is obviously "sue-happy"
Sorry to tell you, but these are realistic answers. If you give thumbs down, lets hear a better answer with some facts to back it up? - G6er
3) You are due compensation for all your losses. You should be paid for any and all damages to your property (clothing, carpet, furniture) You should also be paid for any and all costs of shelter (hotel, meals away from home) while the home is not inhabitable.
If you consult a medical professional about your fear and reaction to the accident, you may be able to have the cost covered, and may be due a settlement.
Consult a lawyer if there are questions. - fire4511
4) The drivers auto insurance company will owe for the landlords damages to the house and to all of your personal property that was damaged in this accident. If the house is uninhabitable while being repaired, you will need to get housing till repaired. The auto insurance should be responsible for that also. But make sure they state how much they will allow, otherwise you could be out of pocket for that. If the house is uninhabitable, is it open where someone could come in? If so, you may need to store furniture etc to protect from other damages.
But 1st talk to the auto company and inquire how much insurance does this guy have? Since the home, your personal property, another rental could add up and if the guy does not have enough insurance to pay, then both your landlord and yourself will be out of pocket for the balance. At that time, the landlord could file under his homeowners and if you have rental coverage, it would pick up. But if the guy does not have enough insurance, even if you tried to sue and he has no assets, you collect nothing, since you cant collect nothing from nothing.
Since neither you or your husband suffered injuries, it would be almost unlikely you could file for any kind of settlement, even for the therapy, since you were not injured. Some states do recognize emotional distress, but most likely you have to have been injured 1st.
good luck - lucy
5) Since you're renters, the only payment you could get would be for damage to your personal property, along with increased living expense, if you need to stay in a motel for a while IF you have a renter's policy. Chances of getting "pain and suffering" in this case are remote. - David
6) No.
This is absolutely ridiculous -- do you honest-to-God believe that you two need therapy because you can't sleep since the accident??
You both need to have a reality check, grow the heck up and just get on with your lives. Don't go through life being scared of your shadow and being a big baby.
Sheeeze... - Cowboy Bill
___________________________________________________
Question 4
will my kids be compensated if they were with me in hat car and were hit in the rear ,while car was station?...
Answers
1) Were they injured?? Just because you were involved in an accident doesn't mean you get $$$$ above and beyond what it takes to fix your car. - Tony
2) I agree with Tony. Compensated for what?
Costs for the car and medical costs - yes. - probablygraham
3) Insurance wise the policyholder claims. Included in the claim would be injuries to any occupants. The insurers normally handle the entire matter on your behalf. - BARRY B
4) Yes but you will need the hospital records for the day of the accident to give your insurers so they can claim any damages for injuries sustained that will have an ongoing effect on them.
You can't just claim to make a bit of extra cash out of them. - who_is_jack_shit
5) If they were injured they might be compensated but it is not automatic.
what does "while car was station" mean ? - entidtil
6) Compensated for WHAT? Are they injured? Did they spend weeks in the hospital? Did they miss work?... - Cowboy Bill
___________________________________________________
Question 5
Is a rebuilt title bad?... Just was wondering because i know that i salvage title isn't good.
Thanks
Answers
1) answer
http://answers.yahoo.com/question/index;_ylt=As8UjyAz9k39BngoQCUuNSXsy6IX;_ylv=3?qid=20091106172127AACtp3V - Randy
2) Yahoo answers is making me answer this because I don't have enough points to ask - Jimmy
3) Ever had a serious injury, like a broken bone, that you healed from?
If you were a car, you'd have a rebuilt title.
All a rebuilt title says is something was wrong, and it has been inspected, and deemed fixed.
What's bad about that? Would you rather it not have been fixed?
Just simple logic....
And a salvage title isn't "bad", exactly, either. It just means that some damage to the car was more than the value of the car.
I have a 1980's Supra, worth around $1200 to the insurance company. If I got into a fender bender, a new paint job, fender, and hood, would cost more than the car.
And it would get a salvage title. Doesn't mean anything is wrong with the car. Just needs some cosmetic work. - Vipassana
4) they used to call rebuilt and salvage the same thing/JUNK/ now the the new stuff is better salvage etc/lemon law is now returned to dealer/whats the diff/ the terminology is changed/its still junk or lemon the new terms are still the same old junk - ken k
5) i agree with the previous poster....i own a rebuilt car...nothing is wrong with it...no problems at all - NINA K
6) When a salvage titled car is fixed, and inspected, and allowed to be on the roads again, it is issued a rebuilt title. Any branded title can be problematic. - oklatom
___________________________________________________
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