Car Insurance

Research on whether a vehicle registration and its auto insurance policy must share the same name — the insurable interest doctrine under California Insurance Code §§ 280-286 and New York Insurance Law § 3401, New York's exact-match DMV mandate, Connecticut's implicit-alignment statutes (CGS §§ 14-12, 38a-371), Automated Liability Insurance Reporting (ALIR) mismatch suspensions in Nevada's NV LIVE and New Jersey's UMIS systems, insurance "fronting" fraud and its ab initio policy voidance, and the co-titling, named-driver, and non-owner-policy fixes for legitimate name mismatches.

Research on how comprehensive and collision auto insurance respond to a broken windshield — the ISO comprehensive-versus-collision classification test, the glass-breakage election rule that prevents a double deductible, FMVSS 205/212/216 federal glazing and retention standards, the ROLAGS repair-or-replace thresholds, ADAS forward-camera recalibration costs of $800-$1,500+, and the zero-deductible glass statutes in Florida (Fla. Stat. § 627.7288), Kentucky (KRS § 304.20-040), South Carolina (S.C. Code § 38-77-280), Arizona, Massachusetts, and Connecticut.

Research on whether a 14-to-17-year-old can hold an auto insurance policy in their own name — the doctrine of infancy and voidable minors' contracts, the 1969 case Holland v. Universal Underwriters barring partial disaffirmance, the insurable-interest rule tying a policy to the vehicle title, nonavoidance statutes lowering the insurance contracting age in Colorado, Florida, Idaho, Kentucky, Maine, Montana, and Oklahoma, minor vehicle-titling restrictions under Washington's RCW § 46.12.755 and Ohio's ORC § 4505.031, and what implied ratification under Bobby Floars Toyota, Inc. v. Smith means once a minor's policy turns 18.

Research on whether a 17-year-old can independently purchase auto insurance — the doctrine of infancy and voidable contracts, the Holland v. Universal Underwriters Insurance Co. bar on partial disaffirmance, the insurable-interest and vehicle-titling requirement (RCW 46.12.755, ORC 4505.031, PennDOT Bulletin 05-06), six-state nonavoidance statutes including Colorado C.R.S. § 10-4-104 and Florida Stat. § 627.406, Insurance Information Institute and AAA Foundation teen-passenger crash-risk data, emancipation and foster-youth statutory exceptions, and the implied-ratification standard set in Bobby Floars Toyota, Inc. v. Smith once a minor turns 18.

Research on Florida's statutory minimum auto insurance requirements — the $10,000 Personal Injury Protection / $10,000 Property Damage Liability no-fault baseline under Fla. Stat. § 627.736 and § 324.021, the 14-day medical treatment deadline and Emergency Medical Condition cap, the Serious Injury Threshold in Fla. Stat. § 627.737, the SR-22 10/20/10 and FR-44 100/300/50 escalation tiers for at-fault and DUI drivers, the $40,000 self-insurance alternative under Fla. Stat. § 324.171, and FLHSMV-reported data showing a 20.6% uninsured motorist rate.

Research on whether standalone one-week auto insurance exists in the U.S. admitted market — the Michigan Department of Insurance and Financial Services' 2018 ban on seven-day policies after roughly 80% of buyers never renewed, "ghost broker" fraud schemes flagged by the Utah Insurance Department, short-rate cancellation penalties enforced under NY DFS OGC Opinion No. 07-01-07, Pennsylvania's 30-day insurance-lapse grace window and Statement of Non-Operation requirement, Georgia and New York electronic insurance verification (EIV) enforcement, and the legitimate alternatives: permissive use under the ISO Personal Auto Policy, the Graves Amendment (49 U.S.C. § 30106) for rental cars, and non-owner insurance.

An independent research report on when a car accident stops affecting your insurance — covering the C.L.U.E. and A-PLUS seven-year FCRA retention limit under 15 U.S.C. § 1681c, adverse action notice rights and Safeco Ins. Co. of America v. Burr, the three-to-five-year carrier surcharge lookback window, not-at-fault protections in Oklahoma and Delaware, state surcharge statutes in New York, Pennsylvania, Massachusetts, California, and North Carolina, SR-22/FR-44 high-risk filings, and the accident-forgiveness illusion.

An independent research report on auto insurance billing — six-month vs. twelve-month policy terms, the paid-in-full discount and California's ban on it, $2-$8 installment fees and the NY DFS ruling that they are not "interest," premium finance agreements as real loans under TILA, EFTA/Regulation E automatic-payment protections, and pro-rata vs. short-rate cancellation refund rules by state.

Research on the criminal consequences of driving uninsured — the infraction-versus-misdemeanor split across state vehicle codes, Michigan MCL § 500.3102, Colorado C.R.S. § 42-4-1409, Maryland Transportation § 17-107, Texas Transp. Code § 601.191, the fix-it-ticket dismissal window, the SR-22/SR-26 continuous-monitoring mechanism, insurance-fraud felony statutes in Nebraska and Pennsylvania, Michigan mini-tort forfeiture, and the "No Pay, No Play" damages caps in Louisiana and New York Insurance Law § 5104(d).