Reader’s Question:

How will I find out how many points I already have on my driver license in Arivaca Arizona?

Gene

Arivaca, AZ

If you are trying to know the points listed on your driver license or driving history you should check with your state’s department of motor vehicle, or like agency in Arivaca Arizona. Many will permit you to send off for your driving history by filling out a form either online or in person at the DMV office. In some states you can also call through a special DMV phone number and find out your points over the phone.

Typically your motor vehicle record (MVR) contains identifying information about you, any offenses you have for traffic violations, lists any licenses that have been issued to you, and the points put on your record for these violations and administrative entries with regards to your driving privileges, which will include things such as license revocations or suspensions.

Tags: auto insurance

Reader’s Question:

What if the information insurance providers get when they check driving records is not correct how can it be corrected? I live in Tempe, Arizona.

Brad

Tempe, AZ

Regardless of how the insurance providers obtains the information, if it is not correct it usually due to a problem or inaccuracy with your driving record coming from your DMV in your state, Arizona. So to correct this inaccurate information on your MVR/driver’s record you will need to contact your state’s Department of Motor Vehicles and ask them how to clear up your driving record.

You can call DMVs have a customer service phone line to report the inaccuracy of the information in your MVR in Tempe AZ. Your driving history should then be reviewed and corrected if the Department of Motor Vehicle finds your complaint valid. If the DMV informs you of your record being corrected then you may inform the insurance provider so that they may run your Motor Vehicle Record again and get information adjusted.

Tags: auto insurance

Reader’s Question:

How will I be able to know if my driver’s license had been suspended in Coconino Arizona?

Greg

Coconino, AZ

Typically if your license has been suspended the Arizona Motor Vehicle Division, will send you a letter of notification of the suspension of your driving privileges. It could be that you moved or did not receive the written notification, but your drivers license will none the less be suspended.

If you think that you have done something, such as not paying the fines for a traffic violation, that would result in the state suspending your drivers license Coconino Arizona, or are just not sure of the status of your driver’s license, you should contact Arizona Motor Vehicle Division.Typically you can find out the status of your license and also request a copy of your driving record from the DMV.

Tags: auto insurance, Driving without License

Reader’s Question:

I got involved in an accident and the body shop my insurance carrier in Peoria, AZ suggested that I declare my vehicle a “total loss” even though I was able to drive the car there and the repair man said the problems were not mechanical but instead cosmetic?. Now my insurance carrier wants to possess my vehicle. I have a loan thru a bank using this vehicle as collateral and owe about $5000 loan. At the time of the accident the cars blue-book value is approximately $8,000. There is a $1,000 deductible on my auto insurance policy. What will happen next?

Michael

Peoria, AZ

Since the repair shop appraisal costs more than the fair market value, you will then receive the fair market value.

If your vehicle is determined to be totaled, and if you believe that the fair market value offered by the insurance company in Peoria, AZ is too low, get more information. Get signed statements from car dealers that state the value of your vehicle. Check the newspaper for prices of vehicles similar to yours. You can use this information to negotiate a fairer settlement for you. Make sure you get the information you need to support your case.

If you have physical damage coverage such as comprehensive and collision the insurance provider will typically write you a check for the actual cash value of the car, minus any deductible on your auto insurance policy.

Sometimes you can also negotiate to purchase the vehicle back from the insurance provider after they pay for the total loss. The insurance provider will typically try to salvage or auction a totaled vehicle.

Tags: auto insurance claims, automobile, car dealers, car insurance