An increase in your insurance rates will depend on more factors than just a single ticket.

Saying an insurance company will or will not increase your rates for a single ticket is almost impossible to say for sure. There are too many other factors that also determine if a rate increase will happen.

Factor like:

• Your age

• Any past tickets

• The insurance company itself

• How many points your state assigns for this particular type of ticket

As you can see, just getting a ticket is not the only thing that will determine if or how much your insurance rates will increase.

If you already have insurance, you don’t have to report that you got a ticket. Your insurance company will pull a Motor Vehicle Report (MVR) either at your renewal or every other renewal. It will be then that you will see any rate increase on your insurance; if they are going to raise it.

In Florida, you have to carry your insurance card whenever you drive.

Yes, you can get a ticket in the state of Florida for not having proof of insurance on you when driving another person’s vehicle.

“The Financial Responsibility Law requires owners and operators of motor vehicles to be financially responsible for damages and/or injuries they may cause to others when a motor vehicle crash happens.” (Florida Driver’s Handbook)

Please note that it says “owners and operators”, not just owners. This means that if you are driving a vehicle that is not yours, you still have to have your own insurance coverage.

If a driver in Florida is caught driving without proof of insurance, per state law s. 316.646(1) you can be ticketed. The officer is allowed to give you a ticket, even if you actually have insurance, but just don’t have your insurance card on you.

You can have the ticket dismissed when you provide proof of valid insurance along with $10.00 to pay the fee to the Clerk of the Court within 30 days of receiving the ticket. You are only able to have the ticket dismissed if your insurance was valid at the time you received the ticket.

Recent changes in legislation just made Wisconsin car insurance a little more affordable.

Welcome to Wisconsin- The Land of Changing Insurance Requirements

Every time a political party regains control of their state, there is always the chance that new laws will be put into place according to that party’s agenda. Wisconsin recently went through their own political party shift and the newly in control Republicans took aim at changing Wisconsin’s car insurance laws.

Now, the insurance laws that the Republicans recently changed were just put in place about 2 years ago by the Democrats that then had control of the state. Which serves as a reminder to us all of how connected politics are to our car insurance. (I promise that is the only political message I have today).

The Old Required Wisconsin Car Insurance

Prior to November 1, 2011, the minimum liability limits required in the state of Wisconsin were very high for liability injury coverage and uninsured motorist coverage. These required limits are just about the maximum that insurance companies sell and seem to be ridiculously high for being the lowest limits that a driver can purchase. They look even worse considering the fact you only had to have $15,000 in property damage coverage on your Wisconsin car insurance.

Wisconsin Car Insurance Minimums (prior to 11/1/11):

• $50,000 for injuries to a single person

• $100,000 for the total cost of all injuries in the accident

• $15,000 to cover property damage that you do to another

• $100,000 uninsured/underinsured motorist coverage for injuries to a single person

• $300,000 uninsured/underinsured motorist coverage for total cost of all injuries in accident

The New Required Wisconsin Car Insurance

Thanks to new legislation that was passed in Wisconsin in early 2011; Wisconsin drivers got a break in how much insurance they have to carry in order to be able to driver legally.

As of November 1, 2011 the minimum required coverage for Wisconsin car insurance dropped to the following levels:

• $25,000 for injuries to a single person

• $50,000 for the total cost of all injuries in the accident

• $10,000 to cover property damage that you do to another

• $25,000 uninsured/underinsured motorist coverage for injuries to a single person

• $50,000 uninsured/underinsured motorist coverage for total cost of all injuries in accident

As you can see the state dropped the required bodily injury requirement in half and the uninsured/underinsured motorist coverage was dropped to over a quarter of what was required previously.

This decrease in Wisconsin car insurance requirements was done to give Wisconsin drivers more options for their insurance coverage. It also allows those with lower incomes to be able to purchase cheaper insurance so they can drive, instead of having to drive illegally because they can’t afford coverage.

Safety Responsibility Law for Wisconsin Car Insurance

In the state of Wisconsin if you are in a car accident, you have to report it to the Division of Motor Vehicles (DMV) if there are any injuries or fatalities. You also must report any accident that causes more than $1,000 to another person’s property; even if there are no injuries in the accident.

You have 10 days to report the accident to the DMV, the only exception being if a police officer took an accident report at the scene. In this case, the officer will file the report for you with the DMV; you will still have to file the claim with your Wisconsin car insurance company though.

The determination of coverage is in how the vehicle is classified in this case.

My initial answer to this question was no, and I will tell you why. You can’t transfer insurance coverage from one vehicle to another.

As I thought about it more though, a 49cc motor scooter is not considered a motor vehicle that has to be insured or registered in most states. It is considered a moped or even a “push bike” in some places. Because the uninsured motorist coverage will cover your injuries if you are hit by an uninsured driver while riding your bike, I believe that the coverage will transfer in this case.

In all reality though, because of complicated state laws and insurance loopholes; you really need to consult your insurance agent on this.

They won’t take away your license if you drive without Wyoming car insurance; they just throw you in jail.

Getting around on a horse is the only way you will get around having to have Wyoming car insurance.

Before you are allowed to register your vehicle in the state of Wyoming, you will have to show proof that you have Wyoming car insurance. This is really no different than any other state as they all require proof of insurance now before a car is registered. In fact, most of Wyoming’s car insurance laws, really just follow what all of the other states are requiring.

Mandatory Wyoming Car Insurance

Mandatory Wyoming car insurance includes having to have bodily injury liability coverage, property damage liability coverage, and even uninsured motorist coverage. Uninsured motorist coverage has its own set of requirements and we will cover that here shortly. For now, let’s concentrate on the liability coverage is required as part of Wyoming car insurance.

Liability coverage is divided up into three parts:

Injury coverage for one person/injury coverage for everyone/coverage for the other person’s property

Wyoming requires that drivers carry $25,000 in injury coverage for one person and $50,000 in injury coverage for everyone. Finally, $20,000 in coverage for the damage that you do to the other person’s property has to be on your policy as well.

When the numbers are added in for your Wyoming car insurance policy it would look like this: 25/50/20.

Uninsured Motorist Coverage for Wyoming Car Insurance

Uninsured motorist coverage is required to be on a Wyoming car insurance policy. This coverage is only for injuries that you or any other passengers in your vehicle sustain from a driver that is uninsured or leaves the scene of the accident. This particular uninsured motorist coverage does not pay for any of the damages that your car may have as a result of the accident.

The minimum coverage allowed for the uninsured motorist coverage under Wyoming car insurance law is $25,000 for the injuries per person and $50,000 per accident. You do have the option of opting out of this coverage, but you have to do so in writing. Otherwise, you insurance agent has to include it on your insurance policy.

Wyoming Car Insurance Penalties

In the state of Wyoming, a police officer can request that you provide proof of Wyoming car insurance at any time. Which means that even if you are holding out on getting Wyoming car insurance because you think you are a safe driver and don’t need it; you can still get in trouble for not having it even if you aren’t in an accident.

If you just forgot to put your proof of insurance in your car, they will give you 7 days to show proof that you are covered. However, if you don’t have insurance, Wyoming has two penalties for driving without Wyoming car insurance.

One, you could be fined up to $750.00. Two, you could be sentenced to a jail term of up to 6 months. If you have been really bad, you could get both. What penalties you end up with will depend on the judge and what other penalties you may have on your driving record for not have Wyoming car insurance.