High Risk Auto Insurance
Reader’s Question:
My son is 30 years old. He let his car insurance lapse. His car insurance has been canceled for non-payment over the past years. So now he can’t seem to find an insurance carrier to insure his car in Savannah, Georgia. How can he get car insurance now?
Daniel
Savannah, GA
Due to your son having car insurance lapse previously, he is now considered a high risk driver. For drivers such as your son that are unable to find an insurance carrier in the voluntary market that will insure them, many states have high risk insurance companies that will cover these types of drivers.
High risk drivers in Savannah, Georgia typically have to go the GA Automobile Insurance Plan (GAAIP). It was created to give car insurance coverage to eligible high risk drivers who seek coverage and are unable to get such coverage through the voluntary market.
To find out who these insurance companies are in Savannah, Georgia and how your son can obtain auto insurance in GA through the GAAIP so that he can insure and use his car contact the GA Insurance Commissioner.
Driving Without Insurance- What Will Happen?
Reader’s Question:
Can a police officer impound your vehicle just because you fail to show proof that your vehicle is insured in Lakewood, Ohio?
Jones
Lakewood, OH
It is illegal to drive a vehicle without insurance or any form of Financial Responsibility (FR) on the car in Lakewood and in any areas in Ohio. It is also illegal for any car owner to permit anyone else to operate the owner’s vehicle with Financial Responsibility proof. If you are caught driving without auto insurance in Ohio, the penalties can include: driver’s license suspension for a minimum of ninety days and up to two years, license plates and/or automobile impoundment plus fines and court fees.
If you are involved in an accident without insurance, or other Financial Responsibility coverage, in Ohio other penalties may apply. You may have a security license suspension for two years or more and a judgment suspension for an indefinite period, until damages are paid.
Teen Speeding Ticket and Increased Car Insurance Rate Help
How can you remove the speeding ticket from the driving record and insurance record of your 17 year old Illinois state resident? Is there a simple and easy way to remove this black mark from your teenage driver record?
Since you are only 17 years old you might still be in the initial licensing phase, and part of the restrictions of the graduated licensing system includes a written warning to the parent or guardian and the teen driver if convicted of any traffic violation before the ripe age of 18.
If the driver is convicted of 2 moving violations within a 24 month period, this can result in a suspension of the license with a minimum of 1 month. The time length of this suspension can vary depending upon the seriousness of the offenses and the teen’s previous driving record. This of course will increase your car insurance rate teen will have to pay each year.
Ohio and the state of Illinois are part of the Driver’s License Compact (DLC). Ohio will inform Illinois of this speeding ticket for 22 mph over the limit that you received. It is not noted by the IL Secretary of State specifically that out of state tickets are put on your driving record so you may want to contact the Secretary of State to get more information about this. We can help lower your teen insurance rate.
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