Important Auto Insurance Question?
A non-American girl, arrives in the USA to start her studies. She has a drivers license she received from her home country. There is this "law" dictum that if a foreing person already has a driver's license he/she can verbs it into an american drivers license without taking the road test. So she did only just that.She went to an auto insurance agency. The person at hand simply asked her whether she has been driving for 4 years, lacking specifying that she had to be driving in the USA for 4 years. She answered positively even though she hadnt be driving in the USA for 4 years. Now she is insured with that company.I'm 22 from matching country just got my drivers license within the USA without "transfering" the one i got from my home country. I call the same company for a quote, telling them that i hold been driving since i was 18 surrounded by my home country (hoping i wasnt considered as a new driver) and what they told me was that "we cant insure you because you dont own any driving record in
Answers:
This agency either didn't ask the cross-examine right of the other girl, or is making stuff up as they go along. Shop around, and be up front about your driving transcript in the u.s. so it's not an issue. Source(s): *
She may be contained by trouble eventually once they look up her record. Be honest with the insurance company during the quote time. Tell them your exact situation and ask what they can do for you. Once they give you a price, move on to the subsequent company. After you've done this a few times you'll begin to see patterns. All the companies will enjoy certain requirements based on your states law, but some will behave different based on their own policies. Once you are informed you'll be able to breed the right decision. Source(s): http://insurance.divinfo.com/Auto-Insura…
I don't know to which state you are referring, but I'm a licensed insurance broker contained by New York. Generally, if you can demonstrate previous driving history - from anywhere - you should not be considered a "new" driver. In New York you have to show three years driving history to no longer be considered "inexperienced". They don't simply have to whip your word for it; you have to prove it. While your original license (if you still enjoy it) should show a issue date which would demonstrate driving experience, the most helpful thing that you could do for yourself would be to support a copy of your driving history/record/abstract from your home country which would show not only the original issue date of your driver's license but also your driving history. Good luck!
They might help yourself to your word for it; it's up to the insurance company how to deal with that.
You can grasp a copy of your driving record from your home country in most cases. If it's not surrounded by English, you will need to get a certified translation. Most insurance companies will adopt this as proof of your driving record.
There are companies that will insurae a driver with a forgien drivers licence, merely shop around to more companies.
As a licensed insurance agent I can tell you this. The interview is specific and should be asked specifically. "At what age did you obtain a license in the USA?" Even though you may hold many years of driving experience in a foreign country in that is no way an insurance company can know how good or fruitless your driving record was. Depending on which state you are from (NY) for example have probation dates on DMV abstracts where on earth we are able to tell when exactly you obtain your license. If an insurance company simply asks when you were licensed and writes the policy based on your response they are bound to cover you for at tiniest 60 days even if they find out you have no US driving history. They can cancel you after finding out this information and must distribute you a cancellation notice which give you 60 days to obtain other insurance. State laws are specific: for instance if you own Canadian, virgin island, puerto Rico or other Us territories driving experience this would count as driving history in the US. But contrary to this if you enjoy Canadian driving history and are now living in New Hampshire your driving history would count but not surrounded by New York or any other US State. It is confusing to most people outside the insurance industry. I hope this helps you a moment or two.
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Answers:
This agency either didn't ask the cross-examine right of the other girl, or is making stuff up as they go along. Shop around, and be up front about your driving transcript in the u.s. so it's not an issue. Source(s): *
She may be contained by trouble eventually once they look up her record. Be honest with the insurance company during the quote time. Tell them your exact situation and ask what they can do for you. Once they give you a price, move on to the subsequent company. After you've done this a few times you'll begin to see patterns. All the companies will enjoy certain requirements based on your states law, but some will behave different based on their own policies. Once you are informed you'll be able to breed the right decision. Source(s): http://insurance.divinfo.com/Auto-Insura…
I don't know to which state you are referring, but I'm a licensed insurance broker contained by New York. Generally, if you can demonstrate previous driving history - from anywhere - you should not be considered a "new" driver. In New York you have to show three years driving history to no longer be considered "inexperienced". They don't simply have to whip your word for it; you have to prove it. While your original license (if you still enjoy it) should show a issue date which would demonstrate driving experience, the most helpful thing that you could do for yourself would be to support a copy of your driving history/record/abstract from your home country which would show not only the original issue date of your driver's license but also your driving history. Good luck!
They might help yourself to your word for it; it's up to the insurance company how to deal with that.
You can grasp a copy of your driving record from your home country in most cases. If it's not surrounded by English, you will need to get a certified translation. Most insurance companies will adopt this as proof of your driving record.
There are companies that will insurae a driver with a forgien drivers licence, merely shop around to more companies.
As a licensed insurance agent I can tell you this. The interview is specific and should be asked specifically. "At what age did you obtain a license in the USA?" Even though you may hold many years of driving experience in a foreign country in that is no way an insurance company can know how good or fruitless your driving record was. Depending on which state you are from (NY) for example have probation dates on DMV abstracts where on earth we are able to tell when exactly you obtain your license. If an insurance company simply asks when you were licensed and writes the policy based on your response they are bound to cover you for at tiniest 60 days even if they find out you have no US driving history. They can cancel you after finding out this information and must distribute you a cancellation notice which give you 60 days to obtain other insurance. State laws are specific: for instance if you own Canadian, virgin island, puerto Rico or other Us territories driving experience this would count as driving history in the US. But contrary to this if you enjoy Canadian driving history and are now living in New Hampshire your driving history would count but not surrounded by New York or any other US State. It is confusing to most people outside the insurance industry. I hope this helps you a moment or two.
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