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Margaret Said:

If I move from WI to IL, should I register my car and title with the Illinois DMV, and if yes in how many days

We Answered:

get on the illinois dmv website

http://www.cyberdriveillinois.com/
they can probably answer your question there

Felix Said:

Is it a law in Colorado that you MUST have auto insurance?

We Answered:

Yes, liability insurance is required in all US states except New Hampshire. Do NOT drive one inch unless you have insurance. Look at the colorado DMV website for answers to your other questions

Lucille Said:

Me and girlfriend broke up and she has cars, and wants me to continue to pay- In wisconsin help??

We Answered:

Is she using the car, can she live without it?

If it's her car, let her pay for it!

If you bought it together when you were engaged, it would not be unlike a divorce. Check with a divorce attorney on property separation, see if that's practical.

You may be on the loan, but the loan doesn't spell out who makes the payment, just that the payment gets made.

She gets hurt just as bad, (if not worse), if the payment isn't made.

Tell her it's her car, she gets to pay for it, if she can't afford it, sell it. (You have to be willing to take the credit hit)

You could go to court, you might find out it's cheaper to just pay off the car.

Tell her that if you make any part of the payment, you get the use of the car that percentage of the month. (rent it to someone you know where she lives......that will go over well).

YOU DON'T HAVE RESPONSIBILITIES FOR A CAR YOU DON'T OWN.......you have a potential liability.


Luck

Brett Said:

OWI question revised?

We Answered:

Wisconsin recognizes marital property, so there will be no liability to you because your name is on the title, as it is just as much his. If there is an insurance claim filed against him, he will probably get a Safety Responsibility Revocation (SRR), and will be required to file insurance for the next 7 years. Although insurance is not mandatory in WI, they can require it under SRR.

Wisconsin also has a Habitual Traffic Offender law (HTO). If you accumulate 5 major violation in 5 years, you can be revoked and addition 5 years. The three OWIs and OAR make four. If there is anything else on his record, he won't be driving for a very long time.

The fact it happened in a different county will not make a legal difference.

As far as the court penalty for the OAR, I can't speculate as to what the judge will do. You didn't mention how many prior OARs he has. Jail is unlikely for a first offense, however, plan on a fine of several hundred dollars and an even longer revocation.

Corey Said:

Just bought a car; confused on how to do the paperwork?

We Answered:

You need to register the car in California.

If you have a roll cage in the car, it is likely your insurance will be through the roof because it means you are either a very aggressive driver or you will be racing the car. A roll bar is good. A roll cage is not.

If you are financing the car, the title goes to the bank until the car is paid off.

Sara Said:

help buying a car .................?

We Answered:

You are all set when it comes to having the vehicle legally under your name. Don't forget cleaning and maintenance expenses (oil change, brakes, etc..) gas, tire rotation, annual vehicle inspections, annual registration renewal, etc..

Debbie Said:

How much auto coverage should I have in Wisconsin?

We Answered:

To Answer your question, I think your coverage is pretty adequate. As for the new law...when it was signed into law, if your coverage limits was not up to par it will be up to par despite what is written on your Declaration page. The only thing I can see is Medical Payments may have been bumped to $15,000. This is the reason why your rates went up. For all those who had lower rates, they will now have the State's minimum coverage limits. Which I think you do have and more.

As for the stacking references...it has nothing to do with how many accidents you have. Rather if you have two vehicles..and if an accident occurs..you coverage for each vehicle will be stacked meaning you coverage limits for each vehicle will be combined. FYI.

As for rates...you should contact an independent agent and have him/her quote your coverage out and consult w/ him/her your coverage.

As for an agent, I do recommend Bernita at Risk Management LLC -- you can download their quote forms at www.Risk-ManagementLLC.com and send it or fax it in for quote. She does a great job explaining your coverage and marketing out your coverage to various carriers to give you the best coverage at the lowest price. They are located in Brookfield, WI --- phone # is 262-785-8930.

Good Luck
Tony