Driving Without Auto Insurance St. Louis, Missouri MO
Filed under: Cheap ST Louis auto insurance, SR22 St Louis MO
Reader’s Question:
If I do not have auto insurance and I get involved in an accident in an uninsured vehicle in St. Louis, Missouri will I still be covered?
Maggie
St. Louis, MO
In most cases the answer is No. If you are driving another person’s car, normally the insurance from the owner of the automobile is primary while your auto insurance as the driver is secondary or excess and will only be used after the automobile’s insurance limits have been reached.
If the owner of the vehicle did not have insurance on the car, therefore it is an uninsured vehicle, then it should not be driven on the public roadways in most states. In most states if the car is not insured by the registered owner then the registration will be suspended and therefore the car is not valid to be on the public roadways. In addition, your auto insurance card for your car would likely not be accepted by the police enforcement officer if you were stopped and so you could be cited for driving uninsured.
So if you were driving an uninsured car and got involved in an accident in St. Louis, Missouri, it your insurance carrier’s guidelines and state laws and the terms of your car insurance policy if your auto insurance would be extended to the accident damages.
Tags: auto insurance, car insurance rate, driving without insurance
Auto Insurance Policy St. Louis, Missouri MO
Filed under: Cheap ST Louis auto insurance, Insurance agent ST Louis MO, SR22 St Louis MO
Reader’s Question:
My drivers license was revoked. I just want to know if I am still covered by my car insurance in St. Louis, Missouri?
Ross
St. Louis, MO
Insurance carrier guidelines and policy terms vary so if you were driving with a revoked drivers license and caused an accident, you would have to inform your car insurance provider in St. Louis, Missouri of both issues to check for sure if the accident would be covered.
If you find out that your current auto insurance policy is fine and will cover you if you decide to break the law and drive with your invalid drivers license it is likely that your current insurance company will refuse to renew your insurance policy if your drivers license is still revoked at renewal time. So to keep your insurance coverage in place at renewal time you will need to get your license reinstated.
Tags: car insurance