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Delaware Car Insurance
Last updated on April 26th, 2018
Delaware State law requires that all residents of the state must maintain a certain level of liability coverage on their vehicle in order for it to be legally drivable. The first type of coverage that the state requires is individual bodily injury coverage which will pay for injuries sustained by a single individual in an accident where the policyholder was at fault. All Delaware residents are required to have at least $15,000 in individual bodily injury coverage in order to meet state requirements though drivers are free to exceed that amount and purchase more if they wish. The second type of coverage required by Delaware is per accident bodily injury coverage which will pay a specified amount towards the injuries sustained by all other in an accident and not just a single person. At $30,000 the amount of per accident bodily injury coverage required to meet state regulations is exactly double the amount of individual bodily injury insurance required. The last type of coverage that is required by the state is property damage insurance, which at $10,000 is the lowest of all three figures. Property damage insurance will help pay for any damage to a vehicle or other property resulting from an accident caused by the policyholder.
Unlike most other states, which only require drivers to maintain a minimum level of liability insurance on their vehicle the state of Delaware also requires its residents to purchase personal injury protection coverage. This type of coverage is designed to protect the policyholder and anyone driving with the policyholder should there be injuries resulting from an accident. Personal injury protection coverage typically pays for the medical bills and any loss of income that resulted from an accident up to the amount of coverage purchased. The minimums set for this type of coverage are the same as the minimum amounts of bodily injury liability coverage that drivers in Delaware are required to purchase. Since the only types of insurance required by the state of Delaware are personal injury and liability coverage vehicle owners are not required to carry insurance that will cover their own vehicle should they be involved in a wreck that was either their fault or the fault of an underinsured or uninsured motorist. If Delaware residents wish to purchase these types of insurance they are generally free to do so, though their insurance company may not offer them this coverage if they have a history of accidents or a less than the stellar driving record. Because Delaware is a tort state, which means that the driver found to be responsible for an accident is financially responsible for all injuries and damages that are caused in the process, drivers often carry more coverage on a vehicle than is required by state law.
To ensure that the residents of Delaware have enough incentive to abide by state car insurance regulations the penalties for failing to do so tend to be rather harsh, especially in comparison to other states. A driver in Delaware that is caught driving without insurance, whether they are caught through a routine traffic stop or were involved in an accident, will typically receive a citation and an order to appear in court. If the driver of convicted of driving without insurance they will be fined a minimum of $1,500 for a first offense and $3,000 for each subsequent offense that occurs within a three year period. In most cases, the driver’s license will also be suspended for a period of six months and they will be required to pay all fines and show proof of insurance before the suspension can be lifted at the end of the period. Delaware is also a proactive state when it comes to catching vehicle owners that allow their insurance to lapse. Throughout the year the Delaware Department of Motor Vehicles constantly audits drivers to ensure that their insurance is still active an up to date. The DMV will send out random requests for proof of insurance in order to make sure that a vehicle’s insurance has been maintained and kept up to date. This proof can be obtained from the insurance company in the form of an FR-19, which states that coverage on a vehicle has been continuous and the policy is currently active. If a resident of Delaware ignores this request or cannot provide sufficient proof they will be at risk of having both their license and vehicle registration suspended until proof of a car insurance policy that meets Delaware requirements can be furnished. In addition to any other fees or penalties incurred the driver will also have to pay a reinstatement fee in order to have their license and registration reinstated. These high fees, fines and lengthy suspensions are intended to dissuade drivers in the state of Delaware from taking the risk of driving around uninsured.
Find Smog Check Stations Near Me
Delaware was one of the original 13 colonies and was the first state created in the United States. It is the second smallest state by geography in the country, has only 3 counties, and has a population of 950,000. Check out our DMV & Emissions Testing Locations in Delaware pages below to find a local Delaware DMV office or smog check location in your area.
Arkansas Car Insurance
Last updated on April 26th, 2018
Drivers in Arkansas, like drivers in the other 49 states, are required to abide by certain insurance laws in order to drive legally within the state. When purchasing car insurance for a vehicle registered in Arkansas there are minimum amounts of liability coverage, which protects a driver from damages they cause to others and their property in an accident, required by state law in a few different categories. The minimum requirement for bodily injury of a single person for instance is set at $25,000 by the state while the minimum coverage for bodily injury to multiple people is $50,000. This means that in an accident the insurance company of the at fault driver that has minimum coverage will put up to $25,000 for the medical bills and other damages suffered by a single person and up to $50,000 for the financial needs of two or more people. In addition to liability coverage for bodily injuries the state of Arkansas also requires that a vehicle be covered by a minimum of $25,000 in damage to property that will be used to pay for damages incurred by other drivers in an accident caused by the policy holder. Although these are the state minimums there is nothing stopping a vehicle owner in Arkansas from purchasing more coverage than is required and since the minimums are so low in Arkansas many residents choose to do just that.
Although Arkansas state law dictates the amount of liability car insurance a vehicle must have in order to make it legally operable what the state does not require is minimum amount of the various types of coverage that are designed to protect the health and property of the policy holder. Comprehensive and collision coverage for example are types of coverage offered by auto insurance companies that are designed to protect the policy holder from damage to a vehicle incurred through a collision or other means. Uninsured and underinsured coverage function in the same way, protecting the policy holder and other insured members on the policy from having to take on the financial burden if they are in an accident with an uninsured or underinsured driver. Arkansas, like every other state, does not require its residents to purchase any of these types of coverage for their vehicle though if a new car is purchased with a loan, carrying full coverage car insurance on the vehicle may not be optional.
In order to enforce the car insurance laws on the books the state of Arkansas also has various forms of penalties that a driver will incur if they violate one or more of these laws. Police officers in Arkansas for instance have the authority to issue citations to any driver they pull over that fails to provide proof of insurance for the vehicle that they are driving. These citations typically require a driver to pay a fine while also providing proof of insurance to the court and the DMV. In addition to being pulled over or involved in an accident an uninsured driver can also be caught if they allow their insurance policy to lapse. When an auto insurance policy lapses or is canceled altogether the insurance company is required to the state immediately, after which the uninsured driver will be told to adhere to regulations or risk having their vehicle registration suspended.
When an Arkansas driver is caught driving without insurance they will receive a $250 fine for a first offense and larger fines for subsequent offenses, topping out at $1,000. For repeat offenders driving without car insurance in Arkansas can even result in up to 1 year in jail, making Arkansas one of the few states that use incarceration as a form of punishment for not obeying the state’s car insurance laws. Drivers without proof of insurance could also have their vehicle registration suspended, leaving them at risk of impound if they are involved in an accident or pulled over. In order to get the vehicle registration unsuspended the owner of the vehicle will have to pay any necessary fines while also providing proof of insurance to the DMV.
Although most of Arkansas’ car insurance laws are focused on the general public there are a few state laws that seek to regulate the insurance companies themselves. The same laws that establish state car insurance minimums for example also require car insurance companies that do business in Arkansas to offer their customers minimum amounts of coverage as well as some types of optional coverage that are not required to be obtained by a driver but are required to be offered by the insurance company. Uninsured and underinsured motorist coverage is a prime example of this since Arkansas does not require residents to purchase these two types of coverage but requires that insurance companies offer it to any customer that purchases automobile liability insurance.
Arizona – Emissions Testing Hours & Schedule
Last updated on April 26th, 2018
Emissions testing hours in Arizona are as follows: Monday through Friday from 8:00 a.m. until 7:00 p.m. and Saturday from 8:00 a.m. until 5:00 p.m. The best times to get your emissions tested (when the lines are the shortest) are Monday through Friday from 5:00 p.m. until 7:00 p.m. and Saturday from 2:00 p.m. until 5:00 p.m.
The emissions testing facilities are closed on Memorial Day, the Fourth of July, Labor Day, Thanksgiving Day, Christmas Eve and Christmas Day, and New Year’s Day.
Nevada – General Emissions Information
Last updated on April 26th, 2018
Emissions tests for vehicles in Nevada are required by law. You will need to have your vehicle pass this test every year, typically. The notice you receive in the mail will tell you if your vehicle is due for testing. Cars, trucks, RV’s and motor homes will need testing if:
- They are based in the urban area of Clark or Washoe County
- Gasoline powered, no matter their weight or size
- Diesel powered, and have a gross vehicle weight rating up to 14,000 pounds
- 1968 model year or newer
- New vehicles that are on their third registration. Hybrids are exempt from testing for five years, and the first and second years are exempt for all other new vehicles.
Testing locations vary, and are privately owned. Because of this the fee for testing will vary based on the location you choose. Emissions tests stay valid for 90 days.
Exemptions
- New motor vehicles on their first and second registration.
- New hybrid-electric vehicles for the first 5 model years.
- 1967 or older.
- Motorcycle or moped.
- Vehicles based in remote areas of Clark and Washoe counties and all other Nevada counties (see Testing Areas or call us).
- Alternative fuel vehicles.
- Diesel vehicles with a gross vehicle weight of 14,001 pounds or greater.
- Transfer of ownership/registration if the last test was conducted within 90 days before the transfer.
- Transfer of ownership/registration between husband and wife.
- Transfer of ownership/registration between companies whose principal business is leasing vehicles if there is no change in the lessee or operator of the vehicle.
- Vehicles registered as a Classic Rod, Classic Vehicle or Old Timer and driven 5,000 miles or less per year.
- Vehicles registered as a Replica Vehicle.
Source: http://www.dmvnv.com/emission.htm
Oregon Car Insurance
Last updated on April 26th, 2018
For auto insurance purposes the state of Oregon is considered to be a no-fault state, meaning that regardless of who is at fault in an accident each driver will be financially responsible for any injuries or damage they receive. However, like every other no-fault state in the country Oregon is really a hybrid of the two types of insurance systems due to the fact that it requires various types of coverage that are generally seen in no-fault and at-fault states. Liability insurance is one of the types of coverage required by Oregon car insurance law and it easily the most common type of insurance that is legally required in all of the 50 states. In Oregon, carrying liability insurance is compulsory for every vehicle registered with the state and certain amounts of liability insurance must be purchased in order to meet state requirements. These minimum amounts of liability insurance required included $25,000 per person and $50,000 per accident in bodily injury coverage and $20,000 in property damage coverage, all three of which are meant to protect the property and health of other drivers. Additionally, Oregon State law requires that every vehicle liability policy include personal injury protection and uninsured and underinsured motorist coverage which, unlike liability coverage, cover the injuries sustained by the policy holder and any passengers in the insured vehicle. Also like liability coverage Oregon requires that certain amounts of these types of insurance, known as no-fault coverage, be maintained in order to meet state requirements. The minimum amount of personal injury protection required in Oregon is $15,000 while the minimum amount of uninsured and underinsured motorist coverage required is $25,000 per person and $50,000 per accident. Most Oregon motorists have the option to purchase liability and no-fault coverage in amounts greater than what the state requires, thus reducing their financial risk of being involved in an accident.
While Oregon requires a variety of different types of car insurance there are a few types of coverage that are offered by most Oregon car insurance companies but are not required by law to be purchased as part of a policy. One of the most commonly purchased types of coverage is comprehensive and collision coverage, which serves to financially protect the vehicle owner from physical damage to their vehicle, whether it is from an accident or from an act of nature. Comprehensive and collision coverage is often purchased because it is a required by most lenders on a vehicle that was purchased with financing. Most insurance companies also offer their customers a variety of minor or supplemental forms of coverage, such as road side assistance should the vehicle break down, or out of work insurance in case injuries from an accident cause the policy holder or any passengers to miss time from work.
In order to make sure state residents are meeting Oregon’s car insurance standards the state has set up a system that allows it to monitor compliance through the Department of Motor Vehicles. Every month the DMV will select a number of vehicles at random every month and requests the name of the insurance carrier and the policy number from the vehicle owner. The DMV then verifies the information provided by the vehicle owner with the insurance company in order to make sure that the vehicle in question satisfies Oregon auto insurance requirements. If a driver is asked to supply their car insurance information and fails to do so they will have their driving privileges suspended by the DMV. If a vehicle owner makes a false claim of insurance to the DMV they will be required to prove compliance with Oregon’s financial responsibility law by filing an AR-22 for up to three years. Failing to show compliance with an SR-22 will also result in the suspension of the vehicle owners driving privileges. In addition to failing to meet the random compliancy checks conducted by the DMV Oregon drivers can also get in trouble for not having auto insurance if they are pulled over or are involved in an accident. If an Oregon resident is caught driving without car insurance they can be charged with a misdemeanor as allowed by state law and will face all penalties that such an offense carrier. Most often these penalties come in the form of a fine or suspension of driving privileges though as a misdemeanor driving without insurance can also be punished with up to three days in jail. A conviction of driving without insurance will result in a compulsory sentence of three days in jail in addition to any other fines or suspension that the court and DMV decide to hand out. Drivers that are involved in an accident but cannot show proof of insurance are susceptible to all of the above mentioned penalties in addition to the state requirement that they maintain future proof of financial responsibility in the form of an SR-22.
Idaho Car Insurance
Last updated on April 26th, 2018
Idaho is one of many states that have a financial responsibility law regarding car insurance. This law dictates that the owner of every vehicle must prove that they have the ability to be financially responsible should they be involved in an accident that is their fault. In most cases the easiest way for Idaho residents to satisfy the financial responsibility law is to purchase car insurance that meets state requirements. All vehicles that are registered in the state of Idaho are required by state law to carry a certain amount of liability coverage in order to satisfy the financial responsibility law. The state has set these amounts at a minimum of $25,000 per person in bodily injury coverage, $50,000 per accident in bodily injury coverage in addition to $15,000 in property damage coverage. These three forms of liability coverage are meant to protect a driver if they are involved in n accident for which they are liable. Instead of having to pay for property damage and medical bills out of pocket the driver can allow their insurance company to take on the financial burden. However, if the cost of an accident in Idaho exceeds the amount of insurance that a driver has they are still financially responsible and could potentially be taken to court and ordered to pay the difference between the total damages and what the insurance company is willing to cover. If a driver does not wish to maintain liability insurance on their vehicle in order to satisfy the requirements of the financial responsibility law they always have the option to post an indemnity body with the Idaho Department of Insurance. This bond must be in the amount of $50,000, which is the minimum bodily injury coverage required by state law. When a driver registers a vehicle in Idaho they must also sign a statement certifying that the vehicle being registered meets the requirements set forth in Idaho’s financial responsibility law. In rare cases, a vehicle owner that owns more than 25 vehicles and has a net worth over $500,000 can choose to self insure the vehicle based on their accumulated wealth.
In most states uninsured and underinsured motorist coverage is considered to be optional and may be purchased by the driver on their own prerogative but the state of Idaho requires that the purchase of uninsured or underinsured motorist coverage be mandatory when any sort of auto insurance policy is issued. Both uninsured and underinsured motorist coverage must meet the minimum coverage levels established for individual liability coverage by the state. Additionally, while most non-highway vehicles do not have to be insured in most states Idaho requires that any non-highway vehicle must meet state insurance requirements any time it travels on a public road; this includes dirt roads and any road on federal or state land. If a dirt bike is pulled over on a dirt road the driver will legally face the same penalties as the driver of an SUV or truck that is pulled over on the highway if they do not have the required proof of insurance for their vehicle.
In addition to meeting the minimum coverage requirements drivers in Idaho must also obey a few other state laws that deal with auto insurance. All drivers for instance are required to carry proof of insurance at all times while in the vehicle. Law enforcement officer in Idaho may request to see a driver’s proof of insurance at any time during a traffic stop or after an accident. This proof of car insurance requirement can be satisfied with an up to date insurance card issued by the insurance company or even the policy itself. If the driver opted to purchase an indemnity bond instead of liability insurance they are required to carry proof of the bond provide by the broker or DMV. In Idaho car insurance companies are also required to report any lapses in coverage to the Department of Motor Vehicles.
Driver’s that are not able to provide proof of insurance will receive a fine of $75 for the first infraction and will be required to provide proof of insurance for one year. Subsequent infractions by Idaho residents will be treated as a misdemeanor in the eyes of the law and the offending driver could be punished with a fine up to $1,000 or even six months in jail. Idaho drivers that are caught without car insurance more than once in a five year period are also required to show proof of insurance for three years in advance in addition to any required fines. A license suspension can, and in many cases is, added to the penalties incurred by most drivers that are found to be driving without insurance. Driving without insurance will also result in a negative mark on the driver’s driving record which will increase the amount that they have to pay in insurance premiums when purchasing a car insurance policy in Idaho.
Exemptions for Arizona Residents
Last updated on April 26th, 2018
If you are active in the military, stationed outside of Arizona, you could qualify for an exemption from emissions testing. If the vehicle is going to be used by someone else, you will need to use the original Out of State Exemption.
In order to apply for the exemption, you need to complete and sign the application form and have your commanding officer sign it as well. The application must be made within 90 days before the expiration of your vehicles current registration.
Arizona will exempt emissions testing on vehicles that are of the newest model in the last five years. In 2014, the majority of 2010 and models newer will be exempt from emissions testing.
Most vehicles registered outside of the vehicle emissions control area, Phoenix and Tucson, will be exempt from testing, based on the person’s area code. The list of zip codes below are considered partial, this means that some are exempt and others are not.
*Partial Zip Codes in the Vehicle Emissions Control Areas (effective July 2009):
Phoenix Metro Area – Area A:
85218/85118, 85226, 85232/85132, 85239/85139, 85242/85142, 85243/85143, 85244, 85262, 85263, 85290/85190, 85322, 85326, 85332, 85337, 85339, 85342, 85354, 85390
(Zip Codes separated by a slash (/) are in the process of being changed by the U.S. Postal Service)
Tucson Metro Area – Area B:
85629, 85641, 85653, 85654, 85658, 85735, 85736, 85739, 85743, 85746, 85747
Vehicle owners who reside in a partial zip code will be identified as “emissions test required” on their vehicle registration renewal form.
Vehicles may be granted an Out of Area exemption if the vehicle is registered in a partial zip code and out of the emission control area boundary. If the vehicle is going to be used to travel into the emissions testing boundary areas for employment or school, the vehicle will have to go through emissions testing.
Massachusetts – Emissions Failures and Retests
Last updated on April 26th, 2018
If you have your vehicle’s emissions tested and your vehicle fails the emissions test then there are a few steps you need to follow so that you can get your vehicle repaired and retested within sixty days from the date you failed the inspection as that is the requirement.
After your initial emissions test is complete you will receive a vehicle inspection report from the emissions inspector which will give you the result of the emissions test and put notes on what areas of the test your vehicle has failed. When you go to get your car repaired you need to bring this vehicle inspection report with you so that you can give it to the repair technician. This will allow them to pinpoint the area(s) of your vehicle that they need to look further into and will save you time. If you lost your vehicle inspection report you can reprint the report out from the Massachusetts state website page which you can visit here.
The emissions inspection may have also given you a repair form. If you received this form you will need to bring it when you are getting your vehicle repairs completed and have the technician complete this form for you and give it back to you. You will need to submit this form to the emissions inspector when you get your vehicle retested. The repair technician is able to complete this form online and submit it online. If they do not give you a paper copy to bring with you, you should ensure that they submitted it online.
You should also hold onto the receipt from your emissions repair work that was done and bring that to your followup inspection also. There are times when the repair work you have done did not fix the problem. If the vehicle repair estimated cost is very high upon failure there is a chance you could still pass the test. Or if you got your vehicle repaired and it still fails and you bring all the paperwork and the repair was done by a registered emissions repair tech there is a chance you can have the failure waived and your vehicle will be passed.
If you would like to apply for either an extension or a waiver for your vehicle you will need to bring the following to a Motorist Assistance Center: your vehicle, the emissions inspection report, and the repair form with receipt. At this point you will either receive the waiver or extension or you will be informed why you are not receiving the waiver or extension.
The first time you get your vehicle retested it is done free of charge if you go to the same emissions testing station. If you do not go to the original station but to a new station you will need to repay the $29 fee to get the retest done.
Idaho – Emissions Testing Locations
Last updated on April 26th, 2018
If you live in Ada county you are required to take part in the Idaho emissions inspection program. The emissions inspection can be done at one of a number of places. Below you will find a list of places that offer emissions inspection in Idaho. It is recommended that you call ahead to verify that they are still participating in the emissions program and testing vehicles and to find out their specific schedule and hours and see if they allow you to set up a scheduled appointment for your emissions test.
| R & S Emissions, 1601 S. Meridian Rd |
| Paul’s Stinker, 110 E. 1st |
| Broadway Chevron, 1784 Broadway |
| Emissions Testing, Cole & Ustick |
| M & L Emissions Testing, Cole & Ustick |
| Idaho Air, 5 Mile & Fairview |
| Quick Test, 8400 Franklin |
| Emission Testing Center, 7000 Overland |
| Emissions Testing Center, Texaco Sta., 5 Mile & Overland |
| Emission Testing Center, Fred Meyer’s Shopping Center |
| Airport Chevron, 2828 Airport Way |
| Idaho Air, POJO’s- Fairview |
| Idaho Air, Pojo’s Shopping Center |
| R&M Fabrication, 1661 N. Amber |
| Don’s Meridian Shell, 2740 W Franklin |
| Emissions Testing, Albertson’s off Cole |
| M & L Emissions Testing, 5800 Fairview |
| T.E.S.T., Locust Grove & Fairview |
| Clean Test Emission, 3353 Federal Way |
| M & L Emission Testing, 3700 Overland |
| Emissions Testing, Overland & 5 Mile Plaza |
| Idaho Air, Glenwood & Riverside |
| Mountain Air, 1375 E Fairview |
| R & S Emissions, at the Stinker Station, Victory and Cole |
| Ada Air, 6633A Overland Rd |
| A&J Emissions, K-Mart Parking Lot |
| Aires LLC, Cloverdale & Fairview |
| Buddy’s Emissions Testing, at MegaWash, Linder and Cherry Lane |
| Meridian Auto Machine, 505 N. Main St. |
| Stop ‘N’ Go, 4860 W. Emerald |
| Emission Test Stations, 2550 Apple |
| Idaho Air, 4925 Glenwood |
| High Desert Air Emissions, 4702 Federal Way |
| Aires LLC, 5 Mile and Ustick |
| Broadway Emissions System |
| Jiffy Lube, 1206 Broadway |
| In & Out Emissions, 5824 W. Franklin |
| Jiffy Lube, 5007 Overland Rd. |
| Valley Air Testing, 1651 W. Franklin |
| Jiffy Lube, 1645 S. Spring Valley |
| Jiffy Lube, 3606 W. State St. |
| Jiffy Lube, Overland and Weidman |
| Bodra Group, 6630 W. State St. |
| Rocky Mt Collision Repair, 225 East Fairview |
| Jackson’s Emissions Test, 2602 S Vista Rd |
| Emissions Testing Center, Apple & Boise Ave. |