I am about to renew my Car Insurance Policy here in Washington and I just had a little accident a couple of months ago. Will my car insurers check my record or since it is renewal they wouldn’t check? And what could be the possible thing that can happen to my policy?

Jim

Tacoma, WA

There are many things that one can be classified as a high-risk driver here in Washington just like when you own a speedy car then you are also considered as a high-risk driver for one can actually have the biggest possibility that you might have an accident. Car Insurance Companies are not complacent in checking your driving record.

If you are for the renewal of your car insurance policy, your insurers will check every detail of your driving history before they allow you to renew your policy or reviewing your policy. If for example you insurers are a too strict regarding with traffic tickets, car crashes or poor credit then you might want to shop for another Car Insurance. Not all Car Insurance Companies are tough with these problems though you might know by now that it isn’t cheap to avail as a high-risk driver. Car Insurance Company might give you a policy but then it is more expensive than the usual for you have the biggest possibility that you might take risk on the road again. Car Insurance Companies is just trying to protect you as well as their interest that’s why they are offering you a bigger coverage.

My parents own three cars and I drive each of them once in a while. How would I know if I am covered under their car insurance here in Washington?

Orin

Bellevue, WA

These days, a lot of families own more than one vehicle because most family members are always on the go. Most families register each of their vehicles under only one name since car insurance providers normally check the driving record of the vehicle owner before selling car insurance policy. The other family members then become named drivers on the insurance policy and this procedure is legally accepted and could be able to save money on your premiums. To determine if you are part of your family’s car insurance policy in Bellevue, Washington and have sufficient coverage, here are some things to follow:

–You may ask every family member if your vehicles’ insurance is under one name.

–You may request the registered family member to inform your insurer to include your name in the policy.

–You may contact the insurance provider to verify that you name is included in the policy.

–You may obtain a copy of the policy and verify all the names and be sure that your name has been added properly.

–Examine the kind of coverage you have because in some instances, you could not be covered comprehensively.

–You should drive the car only after getting affirmation that you are included in the policy and make sure that you have a photocopy of the policy when you drive one of your vehicles.

I want to add my 16-year old son to my car insurance policy here in Lakewood, Washington but I am afraid it will cost me too much. Is there a way that I can still have affordable car insurance with a teenage driver included in it?

Oswald

Lakewood, WA

Driving is one of the most aggressive things that a teenager desires to do. As a responsible parent, you have to take the necessary safety measures in terms of purchasing car insurance for a teen driver. You may talk to your insurance agent in Lakewood, Washington about adding your teen driver to your current car insurance policy. A driver needs to be 18 years of age before they could have their own car insurance so this would be the only way to insure your son. However, be prepared to pay higher insurance rates as much as 50% no matter what the driving history of your son is.

You may think about purchasing an umbrella insurance policy with extra liability. Request your car insurance agent to give you more details about having comprehensive coverage. You may also seek advice from the agent as to how you can reduce your insurance rates and also how to get some discounts. Every insurance provider has different regulations for discounts as well. Most importantly, you need to remind your teenage son that he needs to do well in school. You can have discounts on you insurance rates if his grades are high.

My drivers license was suspended because of the DUI and my parents would like to add me to their car insurance policy in Everett, Washington. Will the insurance company be able to know about the DUI charge?

John

Everett, WA

I would recommend that you allow the car insurance carrier and your parents know that your driver’s license is suspended because of the driving under the influence charge. You should not drive a car or be insured on their auto insurance policy in Everett, Washington with a revoked or suspended license. You could place your parents or their auto insurance policy at risk for non-disclosure.

The insurance carrier can pull up your motor vehicle record when they try to add you to the auto insurance policy. They can disclose the information that they cannot add you because of your your drivers license is suspended because of DUI. They can give the inquirer for the information to use in order to contact the reporting agency.