Reader’s Question:

I was hit by a vehicle at a stop sign but it was the other driver’s fault. I do not have auto insurance. Will the other driver’s auto insurance pay for the damages?

Tim

Honolulu, HI

Yes, typically. You have to report this loss to the other driver’s insurance carrier. A licensed claims adjuster will get your version of the incident as well as the other driver’s version. A claim adjuster will consider all of the facts along with any other information relevant to this accident. The decision will be made by the claims adjuster ultimately.

Additionally, you might receive a citation from the responding police officer for not having your own auto insurance. This could include a fine and you may have to provide proof that you have acquired an insurance policy. But of course, this insurance policy will not cover you for the loss that already happened.

In addition, your driver’s license might be suspended and you may have to satisfy the financial responsibility laws. This means is that you will have to purchase an SR22′ insurance policy.

Tags: auto insurance, driving without insurance, sr22 insurance

Reader’s Question:

Will my car insurance policy number be the same if I have more than one vehicle in North Kona?

Bill

North Kona, HI

Yes, if all of the vehicles are on the same car insurance policy then even though there are multiple vehicles there will be only one auto insurance policy number. Normally you will be issued an auto insurance card for each car to carry with you and show to police officer if requested to do so.

Typically, each insurance card will have policy holder(s) name, the policy number, description of the vehicle and its vehicle identification number (VIN) on it. So while all of your vehicles are under the same car insurance policy number the insurance cards will differentiate between them all and list the vehicle that the insurance card is for on it.

Tags: auto insurance

Reader’s Question:

What happens when my vehicle windscreen gets broken and the stereo and other personal items inside my car gets stolen in Honolulu. Is this still be under my car insurance policy?

Frank

Honolulu, HI

The broken windscreen or windshield in your vehicle would normally be covered by comprehensive insurance policy though the personal belongings stolen from a car are usually not covered by car insurance policy but instead by a person’s renters or homeowner’s insurance.

Since I do not know the specifics of your auto insurance policies I am unable to tell you which coverages would cover this theft situation but your car insurance agent that knows the particulars of your policy and coverages can inform you how to make claims for your vehicle being broken into and your stereo and other personal items being taken in Honolulu HI.

Tags: auto insurance, homeowners insurance