Comprehensive Automobile Insurance Coon Rapids, Minnesota MN
Reader’s Question:
My boyfriend’s vehicle was stolen and hit another vehicle. His insurance company in Coon Rapids, Minnesota will cover his vehicle since she got full coverage with comprehensive coverage on his vehicle insurance. But the insurance provider denied the coverage for the other car that was hit. Why?
Victor
Coon Rapids, MN
Your boyfriend’s comprehensive coverage in Coon Rapids, Minnesota should cover his vehicle since it was stolen. If the vehicle was recovered the insurance company will determine if the vehicle will be declared a total loss or if it can be fixed.
Insurance providers will typically not pay for such damages to other vehicles which were hit while a car was in control of the individual who stole it. The thief that stole the car did not have permission to drive the car. Insurance providers always deny insurance claims if the individual driving the vehicle was an unauthorized driver.
Generally your boyfriend will not be held liable for the damages caused while the car was out of his control and being driven by the thief. If the individual that stole the vehicle is found, he should be held liable for their actions while in the car that they took without permission.
There is usually no liability on the car owner of a stolen car since they cannot be held liable for what a thief does in their car, thus the owner’s insurance carrier would not owe on the property damages insurance claims of others made by the thief.
Tags: auto insurance, comprehensive insurance coverage
Auto Insurance Card Burnsville, Minnesota MN
Reader’s Question:
What is the penalty for forging an automobile insurance card in Burnsville, Minnesota?
Naomi
Burnsville, MN
If you are the one who forged the false document in Burnsville, Minnesota then likely there could be more charges that may be brought against. I am not familiar with what exact violation this would but I am sure it is likely to have harsh penalties associated with it.
A gross misdemeanor has a maximum fine of $3,000 and for a maximum jail time for a year. A person convicted of a subsequent violation of this may be sentenced to imprisonment for not more than 5 years or payment of a fine of not more than $10,000, or can be both.
You may contact a Minnesota attorney or even the fraud unit of the insurance regulator or the Minnesota Department of Public Safety , the Department of Commerce to get more information on the penalties associated with the forgery of a car insurance card and the penalties for providing this fake card as proof of auto insurance.
Tags: auto insurance
Car Insurance Rates Burnsville Minnesota MN
Reader’s Question:
how long will a speeding ticket be on my driving record and effect my car insurance insurance in Burnsville, Minnesota? This ticket were more than 3 years ago.
Edwards
Burnsville, MN
The least amount of time that any speeding violation, will show up on your Minnesota motor vehicle record is five years. If after that amount of time has passed you want it to be removed you will need to contact the Minnesota driver and vehicle services department and request that it be removed.
You will need to wait till at least five years have elapsed since the traffic violation convictions were put on your Minnesota MVR before you can call and request them to be taken off.
You can shop around with insurance carriers in Burnsville, Minnesota to determine how long these speeding tickets will affect your car insurance rates.
To get more information on your on Minnesota driving record laws contact the Minnesota DPS.
Tags: auto insurance, car insurance rate
New Vehicle Insurance Minnesota MN
Filed under: SR22 Minnesota Insurance, Teen SR22 Minnesota
Reader’s Question:
Is there a legal age age in purchasing and insuring a vehicle in Minnesota?
Miguel
Maple Grove, MN
You will need to verify with state laws to know the legal age, but federal law states that the legal age to sign a contract is 18 years old.
The signer of any contract typically must be 18 or over (not a legal minority). There are some cases where a seller will waive this right. So will let a sixteen year old sign a contract but it is not legally binding.
Typically you can sign with a co-signer, but they are the responsible party and you still need an approval of the legal guardian.
This also applies for an auto insurance contract.
Tags: New Driver Insurance, teen insurance, Young driver car insurance
Traffic Insurance Points Eden Prairie Minnesota MN
Reader’s Question:
I got a careless driving ticket in auto Eden Prairie MN. How will that affect my insurance as opposed to to a speeding ticket violation?
Billy
Eden Prairie MN
A speeding ticket is a slightly lesser offense than the careless driving violation and is similar to the reckless driving violation.
The Minnesota Insurance Rules chapter 2770 states that 1.5 points are assigned for careless driving, 2.5 points are assigned for reckless driving, compared to 0.5 points assigned for speeding ticket. Insurance providers use these points to determine insurance policy renewal, and a total of 2 points acquired by one insured on a single car is sufficient to warrant non-renewal of your car insurance policy.
Check with your insurance provider in Eden Prairie MN to get more accurate information as to how this will affect your insurance policy.
Tags: auto insurance, traffic violation
Car Insurance Burnsville, Minnesota MN
Reader’s Question:
Am I required to have auto insurance on a vehicle that is parked on the street in Burnsville, Minnesota, even though I do not drive the vehicle?
Ben
Burnsville, MN
According to Minnesota Statute states that every owner of a car which is required to be licensed or registered or is principally garaged in Burnsville, MN shall maintain insurance during the period of use or operation is contemplated.
So it seems that if your vehicle is registered it needs to maintain auto insurance on it. It is also parked or garaged in the state and on a public highway or road so it likely needs to maintain license plates and registration.
You can verify with the Minnesota Driver and Vehicle Services to verify if there is special insurance or registration that is offered for a car that is non-operational. Some states even offer lower registration rate for inoperable vehicle.
Tags: auto insurance, autos
Auto Insurance Minnetonka Minnesota MN
Reader’s Question:
Do both vehicle and the driver need to be insured? If I insure my vehicle, isn’t it covered by anyone who drives it? I live in Minnetonka Minnesota.
Wendell
Minnetonka, MN
According to the Minnesota Driver’s Manual owners of motor vehicles must carry liability and no-fault insurance on their cars. Valid proof of insurance must be maintained in the car at all times.
A Minnetonka Minnesota car insurance policy will typically cover any relative living in your house who does not have an insurance policy of his or her own and they are listed on the policy.
According to the MN Department of Commerce auto insurance guide a driver using your vehicle with your permission and is not covered by another auto insurance policy, may also be covered by your policy.
Thus it is the car that must be insured. To verify that friends and others that you give permission to drive your vehicle are covered by your specific auto insurance carrier, check with your car insurance agent.
Tags: auto insurance
Driving With Revoked License Minnesota MN
Reader’s Question:
What will be the penalties in the state of Minnesota for driving after license was revoked?
Francis
Maple Grove, MN
In Minnesota the penalties for being caught driving with a revoked license can vary. The length of time for the revocation will likely be increased for one and in some locales the law enforcement officers will confiscate the license plate of the car being driven.
This type of infraction is a misdemeanor which an attorney in the jurisdiction in which the offense occurred is responsible for prosecuting To get more information regarding the specific penalties you could face, you may contact the number listed on your citation or the court in which you attend to deal with the ticket.
Tags: auto insurance, Driving without License, traffic violation
Driving Without Insurance Minnesota MN
Reader’s Question:
What will be the penalties if I drive without insurance in the state of Minnesota? Recently I was pulled over and got a ticket for being uninsured. I got insurance, appeared in court and paid my fine however they never asked for proof of auto insurance at the courthouse. When I went to renew my tabs the Department of Motor Vehicle informed me that my license and license plates were revoked! Why?
Jenny
Duluth, MN
That should not have occurred. You should be able to resolve it with the Minnesota Department of Motor Vehicle. Show them that you appeared in court and satisfied the requirements such as paying the fine. The only time the court would consider revoking or suspending your license would be if you failed to appear in court, if you are arrested, charged and convicted for violation of driving law in Minnesota.
If they inform you that you did not satisfy the requirements, then you may now be required to provide proof of financial responsibility.
Tags: auto insurance, automobile
Minnesota MN Car Insurance Help
Reader’s Question:
My 17 yr old son wrecked his friends vehicle. The friend gave him permission and the friend was with him. I am told that the friends auto insurance is responsible. Can he still sue us? We live in Burnsville, Minnesota.
Amanda
Burnsville, MN
Your son’s friend’s insurance policy would pay first for the damage caused in an accident. Your son’s car insurance policy or your policy (if she does not have his own and lives in your house) would pay second. They can sue you however it is unlikely that you would be responsible for anything if there was adequate auto insurance coverage.
I recommend discussing this with a licensed claims adjuster in Minnesota and an attorney, if necessary. They will be able to assist you with more details as it relates to the laws in your MN.
