Reader’s Question:

In the state of Minnesota, if another person gets into an accident while driving my car, will he be covered by my auto insurance policy?

William,

St. Paul, MN

In the Minnesota Driver’s Manual, it is stated that every owner of a motor vehicle must have no-fault and at least minimum state-required liability insurance. The proof for the auto insurance must be carried at all times and must be made available to the court or the law enforcer at the time that is required.

Typically, an auto insurance policy in Minnesota covers members of the household - provided that they are listed in the policy and that they do not have their own policies. Therefore, if they get into an accident while driving your car, they are pretty much covered.

If an uninsured driver uses your vehicle with your permission and gets into an accident while operating your vehicle, your auto insurance policy will cover him. During the event that this driver gets into an accident or commits a road traffic violation, he must be able to show proof of insurance to the police officer if he is required to show it. Although he is not the owner of the vehicle, he must show proof of insurance showing your name (as the owner) or if in the absence thereof, give the officer your name and address. Minnesota State Statutes Section 169.71 states that if a person is not able to show proof of insurance at the time that it is needed, he will be charged of misdemeanor and may be penalized by fine payment, imprisonment, or suspension of driver’s license (depending on the frequency of the violation).

Tags: auto insurance coverage, auto insurance policy, car insurance law

Reader’s Question:

I am in the process of getting a leased car. The agent in Columbus, Ohio is offering gap insurance and I barely know anything about it. Shall I take it?

Ruth

Columbus, OH

Hi Ruth. Personally I like the whole kit and caboodle of gap insurance. For most of us car owners who do not have the extra cash always, gap insurance could come handy, especially when what we have is a long-term lease, like, let’s say, five years.

Gap insurance bridges the difference between what the insurer assesses your car to be worth and the remaining balance of your loan at the time of the loss or accident. It’s literally that–filling in the void that we, as a matter of fact, often overlook. For example, your 18-month-old car which you bought for 18,000 gets stolen. You still have an outstanding loan balance of 13,000, and based on depreciation rates, the insurance company’s assessment of your car is only 12,000, then there is that difference of 1,000 that you will have to take out of your own pocket.

That difference is what the gap insurance covers. Most auto dealers and insurance companies in Columbus, Ohio, offer gap insurance. So, it should be easy for you to review them first and to choose the best deal. And contrary to what others might think, gap insurance is actually very affordable. I’d get one in a heartbeat.

Tags: auto insurance, gap insurance

Reader question:

Im trying to find an insurance provider in Hillsboro, Oregon with the best car insurance rates? Can you help me?

Tony

Hillsboro, OR

The best way to look for a great auto insurance quote from an Oregon vehicle insurance provider is to shop around. In this way it will help you save you more money. All you need to do is to turn on your computer and gather all of the information you can that will be needed to acquire an online car insurance quote from each Hillsboro, Oregon auto insurance provider.

These websites will provide you car insurance quotes from more than one Oregon auto insurance provider, and it only takes a few seconds to fill out the form.

Most Americans do not shop around for car insurance quotes when choosing their Oregon auto insurance provider, and because of this they usually end up overpaying. If you stay on your computer filling out information for an hour or so, and you find auto insurance quotes for a cheap cost, it’s like you just earned a hundred dollars in that time.

Usually you will get an instant quotes online as soon as you submit the information. Sometimes the quote that you have received will be emailed to you. Some insurance providers in Hillsboro, Oregon will contact you and speak to you about the car insurance quote. So, getting an instant car insurance quote online is fast, easy and reliable.

Tags: auto insurance, car insurance, car insurance quotes