Reader’s Question:

I have two questions. I live in Lawton, Oklahoma and I would like to know how long will an accident or claims history remain on your driving record? My second question is, how will I know who is covered on my car insurance?

Paul

Lawton, OK

According to the OK Department of Public Safety (DPS), the driver’s driving record is released for a three year period so the accident history probably be listed for that time period. If you are convicted of a traffic offense in part of the accident, that will remain on your record for a period of five years.

Usually, claims history are checked by car insurance carrier using their own database or CLUE information in which a person’s history of car insurance losses can be received.

As for your second question, you will be able to know who are covered under your car insurance policy in Lawton, Oklahoma by contacting your car insurance company. You may request this information from them and they will be able to tell you who are currently listed as drivers in your car insurance policy.

Tags: auto insurance claims, car insurance

Reader’s Question:

I have a DUI on my driving record and I would like to know if there is anything that I can do to get a cheap car insurance in Lawton, Oklahoma?

Duncan

Lawton, OK

With a major violations such as DUI on your driving record, you may not be able to get auto insurance with a standard insurance company.

Non-standard companies however typically specialize in the higher risk drivers, meaning those with major offense such as a DUI on their driving history or have many violations on their driving history, and may be the better insurance companies to get car insurance quotes from.

The best way to get the cheapest insurance rates after conviction of DUI is to shop around. Make certain to ask for any insurance discounts that are available to you. This can be for anti-theft devices, safety features on your vehicle, driver improvement or traffic class, etc. Discounts vary from one insurance carrier to another so ask what ones are available to check if you can lower your car insurance rates in Lawton, OK by applying the most discounts to your car insurance policy.

Tags: Car insurance discounts, car insurance quotes, car insurance rate, DUI

Reader’s Question:

My mother had my vehicle and her vehicle on her car insurance policy in Lawton Oklahoma. She just passed away so my question is how long do I have to change the insurance policy under my name?

George

Lawton, OK

Sorry for the loss of your mother. Since terms of auto insurance policies vary you will need to find out from your mother’s insurance broker or agent in Lawton OK how long you have to change over the car insurance policy and what steps to take to obtain an auto insurance policy for at least your car in your name.

Normally, a car insurance policy terminates upon the death of the policyholder, usually done by the request of the estate.

There are some certain general provisions that are required by state law, but policies can vary. It is essential in your situation to read through the car insurance policy issued to your mother. If you have more inquiries, contact your mother’s insurance agent or carrier for information and clarifications on what the process is now that your mother has passed away.

Q: Can my credit rating affect my Oklahoma SR22 rates? Isn’t that illegal?

A: A majority of Oklahoma SR22 car insurance companies will look at your credit report when rating your policy for the price, in order to get the insurance risk score, which will determine whether you have low rates or high rates. You might get a low insurance risk score if you fail to pay your debts or if you make uneven or late payments, because this shows you are unreliable and also more likely to file a car insurance claim with your company.

Some people may think the practice of using credit reports in rating Oklahoma SR22 policies is unfair and should be illegal, but as of right now it’s legal everywhere you go in the United States. In some areas, there are groups which are trying to challenge the use of credit reports in car insurance rating, saying that it is discriminatory to minorities and lower income people, although so far they have been unsuccessful.

For the moment, Oklahoma SR22 car insurance companies will be using your credit report to determine your premium, so it would be a good idea to improve it as much as you can.

Q: I’m filling out a car insurance quote form for a Lawton SR22 policy online, and it’s asking for my social security number. Why does it need that information?

A: You don’t have to give your social security number for te online quote form, if you don’t want, in case you’re worried about the security of that, but if you want the most accurate quote on your Lawton SR22 car insurance policy, then you will eventually have to turn it over. More and more car insurance companies are following the lead of home owner’s insurance companies these days and requiring social security numbers on insurance applications.

Social security numbers are required by all of these Lawton SR22 car insurance companies because they want vo check your credit. Over the past decade, credit has been of increasing importance in car insurance premium rating, and it is often the most important factor.

Your Lawton SR22 car insurance company wants to see your credit because here have been studies which have demonsrated how people with bad credit are more likely to file claims. On top of that, they look at it for the same reason almost any company looks at your credit–to see if you’re going to pay your premiums.