Reader’s Question:

My 15 years old son who does not have a license yet, without my permission took my vehicle, drove it and got involved in an accident with another vehicle due improper left turn. No injuries on both cars but both vehicles have damages. The other vehicle is insured, my car is not. This occurred in Boise, Idaho. My question is , what legal consequences he might have or what should we be expecting from all this?

Jerry

Boise, ID

If the household member that took the vehicle is found to be at-fault in a crash there is the possibility that you could be held responsible since you are the owner of the car. The driver is liable as well and the other party will go after for the damages and may file it with their insurance provider.

As for your son’s case; the state maintains driving histories even for those without a drivers license, and requires all motorists under seventeen to comply with the requirements of the Graduated Driver Licensing (GDL) Program before they can get a drivers license.

If there was a police report filed, then he could have a lot of violations filed against him including driving without owner’s permission and driving without a license. These infractions could affect his eligibility to obtain his license, and as well as his insurance rates in Boise Idaho once he gets his license.

Tags: auto insurance, driving without insurance

Reader’s Question:

In Meridian, Idaho, when a premium finance provider submits a termination notice to the insurance company , what effective date should the insurance company use? The date of receipt by the carrier or the date the Premium finance company requests?

Bill

Meridian, ID

It is typically the premium finance company that request cancellation of the insurance policy on a certain date. Then, the insurance provider terminates it on that date and returns the premium to the finance company to pay off the loan.

As for the statutes or insurance laws in Idaho, you should be able to find out this information from the insurance regulatory bodies of each state in your area in insurance laws or . Or you may want to check the statutes of each state’s insurance codes or laws.

In Idaho the Statute covering the Idaho Insurance Code is under Title 41.

Tags: auto insurance

Reader’s Question:

Why do car insurance premium rates go up in Nampa Idaho?

Raul

Nampa, ID

Car insurance rates can go up in Nampa Idaho for a different of reasons. Some of the reasons are under your control, such as your driving record. Getting a traffic citations and being involved in an accident can both cause your auto insurance premium to rise.

Your car insurance rates can also rise if you add more drivers to your insurance policy. If the new driver is a teenager or inexperienced it can be quiet expensive. If you add more vehicles to your policy or purchase a newer expensive model car it can also add to the expense of your insurance premium.

As these types of costs rise nationwide, the auto insurance cost can also rise so that insurance carriers can afford to pay out for insurance claims.

There are ways to keep your auto insurance premium low though.

Having a good driving record, increasing your deductibles, taking traffic school,and asking for any discounts are ways in which to keep your vehicle insurance rates low. Fixing any problems on your credit report, Driving fewer miles per year, and shopping around for the best priced insurance policy are some of ways in which to save.

You can get a quote here to see if you can get cheap car insurance premium in Nampa Idaho. You can get it here for FREE!

Tags: automobile, car insurance cost, Car insurance discounts, car insurance quotes, cheap auto insurance

Reader’s Question:

Do I have to tell my insurance company in Pocatello of a disability that impairs my driving ability? Is it illegal not to do so?

Patricia

Pocatello, ID

Typically, whether you are in the US or Canada need to tell your insurance provider if your driving ability is currently impaired due to any medical condition. If after you have received your auto insurance policy, something happens so that you become aware of a medical condition, of you or any drivers on your policy, which may affect their ability to operate vehicle, the insurance provider needs to be informed.

If the insurance provider is not notified of this information, depending on the terms of your insurance policy, they may be able to turn down auto insurance claims if they were caused by driving issues resulting from your medical condition.

In the US, most states including Pocatello, ID require you to tell the Department of Motor Vehicles of any medical issue that might affect your driving ability. You might need to bring medical information, take tests or letters from a doctor so that the agency that grants drivers licenses in your state permits you to keep your driving privileges.

Tags: auto insurance, Car Insurance Company