Reader’s Question:

My drivers license has been suspended for 2 years due to a DWI in New Jersey. Do I need car insurance even if I do not use it? I live in Midwest City Oklahoma?

Joan

Midwest City, OK

You as a motorist may not need car insurance since you will be unable to operate during your two year license suspension for the DWI. If you own a vehicle though and want to maintain registration on it during the time period your drivers license are suspended, the car will need to have car insurance on it in Midwest City, OK.

If there is another person that is also on the registration on the car or is a co-owner than they may be able to carry the insurance on the car and drive you around while you are unable to operate a vehicle.

So if you are not driving but your want somebody to drive you around in your vehicle, it will need to have auto insurance on it. There are insurance providers that will permit someone else to insure your car, even if that person has not insurable interest in the car.

Tags: auto insurance, automobile, DWI insurance

Reader’s Question:

My vehicle broke-down almost 3 years ago and I didn’t bother to have it repaired it as I didn’t need a vehicle or drive myself. Because of this, I stopped paying for my car insurance, and also didn’t bother to renew my drivers license in Kentucky. I am now living in Broken Arrow Oklahoma. I want to repair my vehicle and drive it, but I don’t know how to go about doing it.

Martin

Broken Arrow, OK

If you have not already obtained an Oklahoma license you have to make sure you do not have any outstanding issues with your previous Kentucky driver’s license so that you can obtain the Oklahoma license without any problems. If you already had an OK driver’s license, you many renew a Class D license that has not expired in excess of 3 years at the Department of Public Safety.

You will need to renew the registration on the cars as well. You can contact the Motor vehicle Division or a tag agency to get more information on what specific penalties you might have for expired tags and on information on how to renew them now.

Regarding the required 10/20/10 liability insurance, it will help if you had filled out an Affidavit of Non Use in lieu of auto insurance liability which could be submitted instead of insurance verification so that a non-use decal would be issued for you to place on your car.

Tags: car insurance

Reader’s Question:

My daughter got involved in an accident. Her monthly payment is due on the first of the month. She no longer has her vehicle as it had to be towed and it could not be driven. I believed it has been totaled but there is no final call. Do I pay her payment or terminate the insurance until she gets a new vehicle or her car is fixed? We live in Edmond OK.

May

Edmond, OK

In this kind of situation, I suggest that you keep the coverage in force until the claim has been settled, but you must also verify this decision with your insurance company in Edmond Oklahoma.

After a claim, usually it is cheaper to wait and replace the coverage on a car than it is to cancel (or allow it to cancel for non-payment) and then start a new auto insurance policy.

Tags: auto insurance, auto insurance claims, cheap auto insurance