Texas Registration with Ohio Car Insurance Ohio OH
Reader’s Question:
I am a full time student here in Ohio, but I’m originally from Texas. My mother plans to give me her car, which has a Texas registration. Will I be able to get Ohio car insurance coverage even if the car is titled in Texas?
Ruth
Cincinnati, OH
You are considered a non resident since you are an out-of-state college student. It’s assumed that after completion of your studies here in Ohio, you’ll return to your home state. Since you are a non-resident of Ohio, then there should be no need to register your mother’s car in this state since it already is registered in Texas.
As for insurance purposes, you will need to have your mother’s car insured in the state where the car is registered, in this case in Texas. This is because during the registration process, before the Department of Motor Vehicles approves a car registration application, proof of financial responsibility needs to be submitted first. Check with your mother’s current car insurance provider in Texas first. If it will provide you with auto insurance coverage while driving around Ohio, then there should be no need to get a separate Ohio car insurance coverage. But if it will not cover you in Ohio, then the best thing to do is to contact a local insurance agent that represents multiple insurance providers in this state. This way, you will get valuable information without having to call all companies individually. You can also visit the websites of various insurance companies licensed to do business in the State of Ohio.
Tags: auto insurance coverage, car insurance, DMV, Student car insurance
Uninsured and Underinsured Motorist Coverage Louisiana LA
Reader’s Question:
What does uninsured motorist coverage pay for in the state of Louisiana?
Bob
Baton Rouge, LA
In Louisiana, the law requires that all motorists must have automotive liability coverage for each vehicle that they own. This automotive insurance covers the property damages or bodily injuries that the person may be held legally responsible for – but only up to the limit specifically stated in the policy. The liability coverage required by the state law is 10/20/10. An amount of $10,000 will be paid for the bodily injuries of one person, $20,000 for two or more persons (in a single accident), and $10,000 for property or vehicle damages caused to the other party. Beyond this minimum limit, the state law requires no further coverage for the motorist.
Uninsured or underinsured motorists insurance is one of the optional coverages that you may add to your automotive insurance policy. The uninsured/underinsured motorist coverage is useful when you get hit by a vehicle and the driver has either no insurance or just little insurance that is not enough to cover the full amount of your injury expenses. In this case, your uninsured/underinsured policy coverage will be used to handle the expenses for the bodily injuries caused by the accident to you or to the occupants of your vehicle. In the case of hit-and-run drivers, they are classified as uninsured motorists only if there are no interested witnesses who want to cooperate. If you plan to get this coverage, you may try to consider the uninsured motorist economic only coverage. This option also covers the bodily injuries caused by an accident involving an uninsured motorist, however it only pays for the actual amount of the injuries.
There is also an uninsured/underinsured motorist coverage that covers property damage. This coverage provides for the repair of your vehicle once you get in an accident involving an uninsured driver. Under this coverage, a $250 deductible is applied and either $10,000 (the limit set for the recovery of the vehicle) or the actual cash value of the vehicle is covered by the insurance (whichever is less).
Tags: auto insurance, auto insurance coverage, car insurance law, liability insurance
Car Insurance Policy Inclusions Missouri MO
Reader’s Question:
I plan on purchasing car insurance here in Missouri. Who should I include in the policy?
Joey
Columbia, MO
It is important that you have car insurance. Moreover, if you share a house or an apartment with other drivers, it is imperative that you all have car insurances. If you live with a roommate, a wife, a partner or a kid, as long as they have drivers’ licenses, they should have car insurance, or be included in yours.
Even if they don’t drive your car, you still have to include them as an occasional driver. Putting them down on the policy assures you that in the event that they do use your car and get involved in an accident, they are still covered. Because if you don’t include them in your policy and something happens to them in your car, it may slow down the process when you make your claim. It can also be a reason for the insurance provider to deny your claim.
It is reasonable that you may want to save money, but insuring the other drivers in your household would save you from future trouble. It doesn’t really cost a lot more to include a driver or two in your car insurance policy, and some insurance providers offer discounts for a policy for multiple cars or multiple drivers. So it is advisable to consult with your agent there in Missouri about the discounts that you can get and about how you can keep your premiums to a minimum.
Tags: auto insurance policy, auto insurance premium, Car insurance discounts