Senior Car Insurance Question in Ohio
Reader’s Question:
I have a parent who is 85 years old and recently tried to renew his license but was denied for failure of an eye exam. He is still paying full coverage car insurance in Ohio. What would happen if he or someone else has an accident in his car? He is the only one rated by insurance provider and has not told them of his non-renewal.
Neil
Toledo, OH
Your 85 year old parent should contact his insurance provider and inform them of the situation regarding the non-renewal of his driver’s license. Since he does not currently hold a valid license, it is possible that his insurance provider would have the right to deny a claim if he was in an accident. If someone else is driving his car they might be covered under his policy, but only her insurance provider will be able to tell you the specifics of his policy and give you an accurate answer to this question.
Your elderly parent should contact his insurance provider to find out what suggestions they have. If he will no longer be able to operate, he might consider selling his car to someone who can insure it and drive him around. Most DMVs have an alternative transportation database to assist people who can no longer drive so you may check in Toledo Ohio for more information regarding this.
How To File an Auto Insurance Claim in Ohio
Reader’s Question:
How do I make an accident claim with my insurance company in Dayton, OH?
Fernando
Dayton, OH
If get involved in an accident where your car has sustained damage you can make a claim with your insurance carrier if you have physical damage coverages, meaning comprehensive and collision. If you have been in an accident the claim would normally go under your collision coverage and therefore the deductible associated with this coverage would be due.
To make an accident claim you will have to contact the claims department of the insurance carrier you are making the claim with. Your car insurance carrier will likely take your statement and want to get the information about the accident. If it is your own insurance company in Dayton Ohio they will also want to know if another car was involved and will be making a claim against your liability coverages.
Will Traffic School Remove My Speeding Ticket From My Record?
Reader’s Question:
I got a speeding ticket in the state of Ohio. Will this be transferred to my home state KY? Is there a way to remove it? Can I enroll in a traffic school? Please help.
Jana
Thank you for asking Jana.
Kentucky and Ohio are both part of the Drivers License Compact. This means that Ohio will share your speeding ticket to Kentucky therefore it will likely show up on your KY driving record. Although Kentucky does not assess points for out of state speeding tickets, it does for other types of tickets.
Kentucky’s defensive or traffic school can be referred to by the court system and since your ticket was in OH and not KY then I dont think that you could do traffic school. The speeding ticket that you received in Ohio could affect your insurance rates in Kentucky when it shows up on your record.
Insurance providers differ on their rating system so you may contact your insurers to find out how this ticket can affect your premiums. So if you do not want to just pay the ticket and remain on your driving record you could contact an Ohio lawyer to see what options you have.
Goodluck!
MariCAR
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