Wrong information on a C.L.U.E. report can lead to higher insurance premiums.

Finding out that your insurance company has been charging you too much for insurance due to wrong information is infuriating. One of these sources of incorrect information can be your C.L.U.E. report.

Many times on these reports it will have you listed as being at fault for an accident when you really were not. This results in your insurance company adding surcharges to your policy for things that you did not do.

So, how do you get your C.L.U.E. report corrected? You go to the source.

Contact the insurance company that put the incorrect information in your C.L.U.E report and tell them that they need to correct your information. If they refuse, immediately contact the Insurance Commissioner for your state (or Department of Insurance) and file a complaint.

A complicated driving situation does not necessarily prevent a late claim from being filed.

Q: My friend who has a suspended license hit a deer with my car while I was out of the country last spring. Now that I am back, I now have totaled car and no claim pending. Can I even file a claim this late? The driver was also not on my policy and has a suspended license; will that prevent me from filing a claim?

The fact that the driver was not on your insurance policy and has a suspended license will not prevent you from being able to file a claim. Insurance follows the vehicle, not the driver.

However, if you do file a late claim, the insurance company may go after the driver to pay back the money they paid for the claim. They may even insist that you file a police report. This will all depend in your insurance company.

The problem that may complicate this claim is the timing. If it was just this last spring, meaning 2012, there should be little problem. If we are talking the spring of 2011, you may have issues.

Call your insurance company or talk to your insurance agent and tell them the situation. Make sure to explain that you didn’t file a claim until now because you were out of the country. They will be able to walk you through what you need to do for your late claim and how to get your vehicle taken care of.

Accident injuries covered under liability insurance is only for a specific group of people.

Liability insurance is on your insurance policy to cover incidents that you are liable for. This means that it covers injuries and damage that you cause to other people. Anyone in your vehicle or on your insurance policy do not qualify for this coverage.

Injuries for people in your vehicle are paid for under the following coverages:

• Medical Payments

• Personal Injury Protection

• Uninsured/Underinsured Motorist Coverage

If you don’t have any of these coverages, the accident injuries for those in your car or on your policy are covered by the other insurance company or by your health insurance.

Florida registered vehicles have to have insurance, whether you are a citizen or not.

Any vehicle that is a Florida registered vehicle have to have insurance on them. Actually, any vehicles that are currently residing in Florida have to have insurance on them. With that being said, you should have no problem getting insurance on the vehicle.

It is highly advisable that you sit down and speak to an independent insurance agent to get your insurance, in this case. An independent agent writes for a number of different insurance companies, so if one says no, they have other companies to ask. It will save you from having to contact a bunch of insurance companies on your own.

If your agent does find that getting you insurance in your situation will be a problem, they will be able to suggest what you need to do in order to get insurance on your Florida registered vehicle.

Being able to exclude a vehicle owner from the insurance policy depends highly on the insurance company and the state.

The person that takes out a loan for a vehicle or owns a vehicle is generally expected to be one the insurance policy. In most cases, the person purchased the vehicle to be able to drive it themselves.

However, there are cases where someone helps another person by taking out a car loan for them, but the person that has the car loan never drives the vehicle. In this situation, it may be possible for the driver of the vehicle to take out an insurance policy in their own name. On this insurance policy the lienholder would of course be listed, but so would the owner of the vehicle. The owner of the vehicle would be listed as having an additional interest in the car and would possibly have to be listed as an excluded driver.

This also means that the excluded driver can never drive the vehicle and if they were to be in a car accident it would not be covered under the insurance policy. This is where the states and the insurance companies get nervous. How can you trust that the person that is the registered owner of the vehicle and holds the loan on it will never drive that vehicle? This also does not satisfy the requirements set forth by the lienholder.

In a good number of states, they do not allow the person that holds the loan or the registered owner to be excluded. In states that do, it is really a company by company decision as to whether they want to take on that type of risk to exclude a vehicle owner.