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Understanding Auto Car Insurance Policies: What You Need to Know

Auto car insurance policies are essential for protecting yourself, your vehicle, and others on the road in the event of accidents, theft, or damage.

Hewre are some key points to Auto car insurance policies are essential for protecting yourself, your vehicle, and others on the road in the event of accidents, theft, or damage.

About auto car insurance policies :

1. Types of Coverage :

Liability Coverage: This coverage is typically required by law and helps cover costs if you are responsible for injuring someone or damaging their property in an accident.
Collision Coverage: This coverage helps pay for repairs or replacement of your vehicle if it is damaged in a collision, regardless of fault.
Comprehensive Coverage: This coverage helps protect against non-collision incidents such as theft, vandalism, natural disasters, or hitting an animal.
Personal Injury Protection (PIP) or Medical Payments Coverage: This coverage helps cover medical expenses for you and your passengers in case of injuries resulting from an accident, regardless of fault.
Uninsured / Underinsured Motorist Coverage: This coverage protects you if you are involved in an accident with a driver who has little or no insurance.

2. Deductibles:

A deductible is the amount you pay out of pocket before your insurance coverage kicks in. Higher deductibles generally result in lower premiums, but it's important to choose a deductible amount that you can comfortably afford in case of a claim.

3. Premiums:

Premiums are the regular payments you make to the insurance company to maintain your coverage. The cost of premiums depends on factors such as your age, driving record, location, type of vehicle, coverage limits, and deductibles. Safe driving habits and a clean driving record can often help lower your premiums.

4. Policy Limits:

Each coverage type in your policy has specific limits, which represent the maximum amount the insurance company will pay in the event of a claim. It's important to review and understand these limits to ensure they adequately protect your assets and liabilities.

5. Exclusions and Limitations:

Auto car insurance policies may have exclusions and limitations that specify situations or circumstances where coverage may not apply. These can include intentional acts, racing, using the vehicle for commercial purposes without appropriate coverage, or using an uninsured vehicle.

6. Additional Coverage Options:

Insurance companies often offer additional coverage options that you can add to your policy for extra protection. These may include roadside assistance, rental car reimbursement, gap insurance (covers the difference between the outstanding loan amount and the actual cash value of a vehicle), or coverage for custom parts and equipment.

7. Policy Renewal and Cancellation:

Auto car insurance policies typically have a renewal period, during which you can decide to continue or change your coverage. It's important to pay attention to renewal notices and review your policy periodically to ensure it meets your current needs. Additionally, insurance companies have specific cancellation policies, so make sure you understand the terms and conditions in case you need to cancel your policy.

8. Comparison Shopping:

It's advisable to shop around and compare quotes from different insurance providers to find the coverage that best suits your needs and budget. Consider factors such as the company's reputation, customer service, claims process, and financial stability.

Remember, this information provides a general overview of auto car insurance policies, but policies can vary between insurance companies and jurisdictions. It's important to carefully read and understand the terms and conditions of your specific policy and consult with an insurance professional if you have any questions or need personalized advice.

Searching For Best Protection Plan For Your Youngsters? Here are Some Best Ones, Look at The Profits

4:12:00 AM auto car insurance , Auto Insurance , Best Insurance Plan , Health Insurance Plan , Profits , Term Insurance

Searching For Best Protection Plan For Your Youngsters? Here are Some Best Ones, Look at The Profits - There are many things on the planet that transform yourself as altogether and radically as having your first infant. The simple minute you look at your most recent dear baby, your needs will in general move. The main thing that issues you the most is ensuring and thinking about your new-conceived infant. While your initial moves towards securing your infant are probably going to clasp your infant to vehicle situate while voyaging or infant sealing your whole house, you will likewise need to ensure that your youngster is secured fiscally. It is constantly shrewd to incorporate cash matters too in any sort of making arrangements for your tyke's future.

According to an ongoing report by Main Retirement Counselors, youngsters' instruction and marriage (68%) are the two highest money related objectives in India among unseasoned parents pursued by purchasing a house (55%). This is clearly in light of the fact that with the quickly developing money related mindfulness, most guardians nowadays incline toward organizing budgetary intending to guarantee that their kid grows up with the best of the two universes. Be that as it may, there is another side to the story. While unseasoned parents are very eager to anticipate their kid monetary future, they regularly neglect to see how and where to begin, and what all to organize.

To encourage you, here are some beneficial plans to make a solid and dependable money related future for your children.

Consider Taking Life Insurance

As a minding guardian, your duties increment significantly with the entry of your new conceived infant. You have to pay for your youngster's nourishment, medicinal services, training and way of life. As the family's provider, you have to deal with the funds of other relatives also. On the off chance that anything transpires, your disaster protection approach is there to cover every one of the costs of your family and in particular, your youngster till they turn out to be fiscally free. No big surprise, life coverage is a prevalent monetary apparatus to help defend your youngsters' future. In the event that you as of now hold an extra security approach, return to the entirety guaranteed with the landing of a tyke in your life. Being an individual with wards (tyke and spouse), you should consider getting a term protection that gives substantial cover to a little premium.

The following are value examinations of Term Protection offered by 4 conspicuous guarantors for a 30-year-old male non-smoker living in a metro city. The aggregate entirety guaranteed is Rs 1 crore.

Best Insurance Plan, Term Insurance, Health Insurance Plan, Auto Car Insurance, Auto Insurance, Profits

Add Your Kid to Your Medical coverage Plan

So since your family has developed, you should ensure that the front of your medical coverage arrangement additionally develops. Bear in mind to add your new-conceived infant to your current medical coverage approach inside 60 to 90 days of the conveyance. Most medical coverage designs in India that take care of the maternity expense consequently includes your new child in the current arrangement with no additional premium. In addition, a significant number of the plans even take care of first year inoculation expenses of the infant as a piece of the wellbeing spread. Be that as it may, in the event that you haven't purchased a medical coverage plan till now, your new-conceived is an extraordinary motivation to get one today.

Here is a focused investigation of the yearly premium for a medical coverage family floater front of Rs 10 lakh for a Male: 30-year-old, Female: 28-year-old and Child: 1-year-old, dwelling in a metropolitan city

Put resources into Youngster Designs

It is best to begin contributing for your kid's future as right on time as conceivable as the advantages of a solid start can't be sufficiently overstated when putting something aside for a long haul objective. You can begin by contributing inside 60 to 90 days of your kid's introduction to the world with the goal that you can without much of a stretch accumulate bigger entireties that may not be workable for you in later phases of life. According to industry specialists, the multiplier impact in the intensity of contributing originates from the contributing span as longer time skylines demonstrate to indicate higher multiplier impact. At first, you can begin by putting resources into unit connected tyke designs and slowly move to de-chance the strategy to more secure assets previously the development term. As a parent, it is similarly vital for you to embrace a very much arranged system for picking between short, medium, and long haul assets as and when required.

Here is a focused investigation of a portion of the prevalent Kid Designs accessible in the market offering guaranteed comes back to the clients.

Utilize Online Collision Protection Statements To Get Less Expensive Vehicle Protection

3:24:00 AM A Car Auto , auto car insurance , Auto Insurance , Cheaper Car Insurance , Online Auto Insurance Quotes , Vehicle , Vehicle Protection

Utilize Online Collision Protection Statements To Get Less Expensive Vehicle Protection - Analyze autoinsurance.org, is a best accident coverage business site, giving vehicle protection cites online from reliable organizations everywhere throughout the Unified States. This site offers vehicle protection information about various inclusion types and cash sparing tips.

Looking utilizing on the web statements will exponentially expand the odds of discovering better inclusion alternatives, both as far as cost and quality. The collision protection advertise is different and gives various kinds of inclusion. So as to show signs of improvement perspective of the present market status, customers are prescribed to get statements and look at them.

Intermittently check costs on the web. Costs on the protection advertise additionally vary occasionally. This is the reason an individual who got a statement is informed by means of email that the statement is going to terminate. There are numerous compelling variables, from a vehicle maker's evaluating, up to regular changes, enactment changes and real life refreshes. Checking costs sometimes will enable the drivers to comprehend in the event that regardless they got reasonable costs.

Vehicle, Vehicle Protection, A Car Auto, Auto Insurance, Auto Car Insurance, Cheaper Car Insurance, Online Auto Insurance Quotes

Show signs of improvement rates than the ones expected after reestablishment. Prior to restoring contract, check the value gauges. In the event that they appear to be excessively high, and there is no explanation behind that expansion, approach the guarantor for information and get online statements. Remember that a few organizations depend on customers not confirming the market and use "value improvement" procedures.

Statements will give precise evaluations. Albeit just gauges, protection cites use models and factual information to ascertain the normal expense. Great sites keep their information refreshed and give results that coordinate the guarantor's inexact premiums. It is prescribed to work with sites that have an intricate, long survey.

Set aside some cash with online vehicle protection cites. The extraordinary thing about online statements is their high customization degree. Drivers can alter numerous inclusion parameters, similar as far as possible, deductible, installment alternatives. Numerous safety net providers have uniquely structured devices, that enable drivers to tell their cost and they will get the best arrangement for that cash.

Apply for numerous limits. In view of the additional data, a few polls will feature the accessible limits. They will be consequently connected amid the statement procedure. A few surveys will even enable the driver to spare more cash, by making extra inquiries.

Spare hundreds, even a huge number of dollars. There is a wide scope of limits and customization choices that will enable drivers to set aside some cash. For instance, the Forked over all required funds, down to the last cent rebate may enable drivers to spare as much as 10-15%. Packaging auto with home protection will likewise bring down the expenses by 5%-20%. For instance, for a $3600 a half year inclusion plan, ponying up all required funds will enable drivers to spare $500-$600. Packaging strategies and getting different limits may thoroughly spare around $1000.

"Online vehicle protection statements will enable you to spare many dollars, even thousands. Get online statements and get the inclusion you need", said Russell Rabichev, Advertising Executive of Web Promoting Organization.

Think about autoinsurance.org is an online supplier of life, home, wellbeing, and collision protection cites. This site is remarkable on the grounds that it doesn't just stick to one sort of protection supplier, yet brings the customers the best arrangements from a wide range of online protection bearers. Along these lines, customers approach offers from numerous transporters across the board put: this site. On this site, clients approach cites for protection designs from different offices, for example, nearby or across the nation organizations, mark names insurance agencies, and so on.

Understanding Massachusetts' Base Collision Protection Inclusion Laws

2:42:00 AM auto car insurance , Auto Insurance , Coverage , Insurance Company

Understanding Massachusetts' Base Collision protection Inclusion Laws - On the off chance that you or a friend or family member has been harmed in a car collision in Massachusetts because of another person's carelessness, you might be qualified for case fiscal remuneration for those wounds. In the event that you aren't sure how to approach recuperating this settlement, or where the remuneration will originate from, realize that Massachusetts' accident protection inclusion laws have made norms of least collision protection inclusion. These manage how much harm your accident protection will cover.

Least Accident coverage Inclusion in Massachusetts

Massachusetts' base accident coverage inclusion is to intended to ensure you against wounds and harms caused by a uninsured or underinsured driver.

The base for Massachusetts' collision protection inclusion is:

$20,000 Least with a $40,000 limit for substantial damage obligation

$5,000 limit for property harms

$20,000 Least with a $40,000 limit for uninsured driver substantial damage risk

$8,000 limit for Individual Damage security

Massachusetts' Accident coverage Inclusion and Subrogation Activity

Since Massachusetts is a no-blame state, you can pick up remuneration for hospital expenses and other secured costs from your insurance agency in the wake of being engaged with a car collision. There are, in any case, a few conditions including doctor's visit expenses that are more than $2,000-where you may need to document an extra close to home damage guarantee against the other party or their insurance agency.

Auto Insurance, Coverage, Insurance Company, Auto Car Insurance

Where the no-blame arrangement falls through is with respect to your insurance agency. While you may get quick money benefits, the insurance agency is enduring the prompt shot of money misfortune. It is therefore that you will, no ifs ands or buts, hear the expression "subrogation activity" sooner or later in chatting with your back up plan.

"Subrogation" signifies to change places with another. For your safety net provider to make subrogation move is for your guarantor to remain in your place. This procedure necessitates that the other driver be found to blame, and be made to pay a compensational total to your safety net provider, who is presently being repaid for the cash paid out for your doctor's visit expenses and different harms.

When Managing Subrogation Activity, Look for an Accomplished Lawyer

Once more, subrogation requires a claim settlement against the other driver. This can entangle an effectively convoluted legitimate process on the off chance that you are likewise suing the other driver or insurance agency. The best, best move you can make is to enlist individual damage lawyer with involvement here who can shield you from unforeseen and harming results that could emerge from your subrogation guarantee. A lawyer will have the capacity to best prompt you on the fitting activities for your particular subrogation and accident protection claims.

On the off chance that you have been truly harmed because of another person's carelessness in Massachusetts, visit [http://www.tomkileylaw.com/swat/index.cfm] to find out about your rights and choices under the law.

Massachusetts individual damage legal advisor, Thomas M. Kiley, has been speaking to people against insurance agencies since 1976. He was alluded to as the "Million Dollar Man" in an included article by the Boston Envoy Sunday Magazine in it's "Individual Best Arrangement." This depended on his record of acquiring million dollar decisions and settlements in complex cases in which he spoke to harmed unfortunate casualties against insurance agencies.

Mr. Kiley is a regarded individual from various expert associations including the American Relationship for Equity, the Massachusetts Institute of Preliminary Lawyers, and the Massachusetts Bar Affiliation. He has accomplished the most elevated conceivable rating (AV) for both legitimate morals and capacity by Martindale-Hubbell, the conclusive manual for America's driving legal counselors and law offices.

Traffic Violations, Auto Insurance, and Your Rates

12:30:00 AM and Your Rates , auto car insurance , Auto Insurance , Traffic Violations

TrafficViolations, Auto Insurance, and Your Rates - Auto Insurance is expensive enough. You do not need a traffic ticket to make your premiums go up even higher. That is why it is important to drive carefully, courteously and within the legal speed limits. This way, you will give no reason for a police officer to pull you over and hand you a summons in regard to irresponsible driving patterns.

Traffic Violations, Auto Insurance, and Your Rates, Auto Car Insurance,

You may wonder. The ticket itself involves a fine. Why would you be penalized any further by your insurance company?

To be honest, your insurance company is not interested in punishing you. They are solely out for their own interests. When they see you have been convicted for a moving violation, they view that as a peril to their operations. Traffic violations demonstrate to the insurance company that you are at more risk of being a part of a car accident or collision than someone that has a clean driving record. A car accident, in insurance terms, means there will likely be a claim that they will cost them money. The insurance company balances the risk of an auto accident claim with a raised premium or added charge.

Of course each company gauges its response to a poor driving record individually. By and large though, they have a team that looks at the general behavior you have exhibited when you are behind the driving wheel.

And when deciding the amount of the rate increase, the insurance company will consider the severity of the traffic violation.

So, if you are committed of drunk driving, you will find yourself up against an extremely strict reaction in regard to a rate increase. If you have merely been ticketed for a broken headlight, judgement meted out against you will be mild. And if you have been found to be speeding 15 miles above the city limits, you will get a higher increase than if you would have been speeding only five miles beyond the posted mileage.

People often ask about parking tickets. For the most part, the motorist who receives a parking ticket need only worry about paying that ticket. The insurance company will not raise your rates if they see that you are responsible about your bill and they do not view a parking summons as a concern in regard to your likelihood of being involved in a car crash.

The line of thought goes far beyond a car. Whether you drive a truck, van, motorcycle or other type of vehicle, your rates can go up if you have been convicted of a moving or speeding violation.

By M Wyzanski

Basics Of Auto Insurance Coverage

12:30:00 AM Affordable Insurance , auto car insurance , Auto Insurance Coverage , Auto Insurance Rrates , Basics , Basics Of Auto Insurance Coverage

Basics Of Auto Insurance Coverage - If you are going to take an auto insurance policy, you need to know about the different types of coverage you can get, so that you are well informed before you take out the policy. Heres a list of coverage you can get with your auto insurance policy:

Property Damage Liability Coverage - This coverage steps in when you accidentally damage someone elses property (for example, their home fence, car or par of their home like a wall), in a collision. If you are caught in a lawsuit for property damage, this coverage will pay for the lawsuit expenses as well. The amount of coverage depends on the limits you have opted in this coverage.

Bodily Injury Liability - This coverage pay for injuries caused to someone else, (for example, lost wages or medical expenses) in the event of an accident. Lawsuit expenses are also covered under bodily injury liability.

Personal Injury Protection (PIP) - This are also known as Medical Payment Insurance or Med pay. It provides for medical expenses, lost wages and other similar expenses caused by an accident in which there is serious bodily injury. This is a no-fault coverage, meaning it does not require establishing whose fault the accident is, before paying out.

Comprehensive Coverage - This coverage provides for damages occurring to car as a result of events such as theft, flood, fire and so on. In other words this coverage caters to those events that damage you car, other than a collision.

Collision Coverage - This coverage provides for damages occurring to your car as a result of a collision. Collisions can happen when you car strikes another vehicle hits and object or is struck by another vehicle.

Underinsured Motorist Bodily Injury Coverage - This coverage pays for expenses (for example, medical bills, lost wages) that occur as a result of injuries or death when a driver with insufficient insurance coverage causes an accident with your car. The amount you receive is the difference between your coverage and the bodily injury coverage offered by the other drivers policy.

Uninsured Motorist Bodily Injury Coverage - This coverage pay for expenses (for example, medical bills, lost wages) that occur when a driver with no insurance coverage causes an accident with your car. The amount you receive is the limits of the coverage.

Underinsured Motorist Property Damage Coverage - This coverage pays for damages (Repair and Replacement) that occur to your car when a driver with insufficient insurance coverage causes an accident with your car. The amount you receive is the difference between your coverage and the property damage coverage offered by the other drivers policy.

Uninsured Motorist Property Damage Coverage - This coverage pay for expenses (Repair and Replacement) that occur when a driver with no insurance coverage causes an accident with your car. The amount you receive is based on the limits set by the policy.

Basics Of Auto Insurance Coverage, Basics, Auto Insurance Coverage, Affordable Insurance, auto car insurance, Auto Insurance Rrates

These are the basic types of coverage you need to know before to sign up for an auto insurance policy. Added coverage includes towing and labor costs, rental reimbursement and gap converge. However, before you take up the policy consult on details of the coverage you opt for because laws vary from state to state and you should be aware of all terms and condition before committing to the insurance policy.

By Susan Canepari

How to Understand Auto Insurance Coverage

12:30:00 AM auto , auto car insurance , Auto Insurance , Auto Insurance Coverage , Coverage , Insurance Coverage

How to Understand Auto Insurance Coverage - Although many people hate to deal with it, everyone who drives needs auto insurance coverage of some sort. You typically have to have liability at the least. However, if your car is new, you will probably need full coverage if it is not paid for. So what type of auto coverage do you currently have? Naturally everyone wants the lowest rate possible, but many people are paying quite a bit more than they have to. Are you one of them? If you are not sure, then it is high time to stopped to think about your current auto insurance coverage company, and what you are paying them each month. After all, there is absolutely no reason why you should be forking out more than you actually have to. This is like throwing cash in the garbage can.

It is not difficult to access simple websites online these days to learn more about the insurance policies they have going. However, since there are a number of these, this can make it more difficult to find the right auto insurance coverage policy that suits you and your needs. One thing you have to realize right away is that insurance in general is high priced. There fore you can certainly expect to pay a significant amount more than you likely want to. The typical argument is that you never actually use it. Well, hopefully you will avoid all accidents for the rest of your days. However, this may not be the case. Although most people certainly do not want to get into a car wreck or fender bender, if it does occur, you will be glad you have great auto insurance coverage. This will make all the difference in how much you have to pay out.

There are some simple websites that can assist you with auto insurance coverage, such as Allstate.com, LibertyMutual.com, and Esurance.com. Check out all of these to get a better understanding of the coverage options and plans they have going. The key is to explore all that is out there first. Think about the kind of coverage you need. Now factor in any other people who may be on the plan with you. Remember that if your vehicle is totally paid for, you do not have to get full coverage, which will save you a lot of money. Other factors that reflect your auto insurance coverage costs are your driving record, past accidents, and even speeding tickets. All of these things can make your costs go up.

It is a cinch to get a free quote on auto insurance coverage anytime. This can actually be done online right through the insurance company's official website. It is prudent to pull up several of these or all that you know of. This way you can punch in your information and get a quote from each company regarding their rates and how much it is going to cost you each month with their plan.

By Marquis Van De Mark

Tips To Understanding - Betterment & Depreciation

7:12:00 PM auto car insurance , Auto Insurance , Betterment , Car Insurance , Depreciation

Tips To Understanding - "Betterment & Depreciation"

What is betterment and how does it affect me?

It was a hot sunny day, mid July, when Tom came out to his car in

the parking lot after shopping. But 5much to his surprise and disappointment there now was a scratch about 8 inches long on the fender. "I’ll just have the insurance company pay for repainting the whole car" he said. But such may not be the case! Otherwise, the owner would be advantaged by the accident through a new paint job.

Betterment, Depreciation, Car Insurance, Auto Insurance, auto Car Insurance

In cases where the repairs or replacement as a result of an insurable loss end up giving the insured something better than he or she had before the loss ...the difference is known as "betterment". The concept of insurance does not allow the insured to profit or "better" from the loss. Then an appropriate value must be agreed on as to the owner’s contribution towards the betterment.

This is a difficult concept to explain or understand when someone has suffered a loss. Especially after an accident or loss when the policyholder played no role in the event. They have paid insurance premiums and now have the inconvenience of repairs. On older carsit’s simply not realistic to expect an update on a vehicle without some cost to the owner.

Remember also that insurance companies rates are usually based on losses. This then would probably result in higher insurance rates for everyone. So the insurance company would have the 8 inches or so fixed and repainted, but, not the whole car.

Unfortunately, there may exist an attitude or misunderstanding sometimes that the insurance they were purchasing in their policy guaranteed them that their property would be repaired at no personal cost.

What is depreciation and how might it affect me?

Let’s look at the same situation, except that Tom finds his car tires have been slashed by vandals. Does Tom benefit from new tires on his car? You bet he does! So the insurance company would take into consideration, the mileage, wear and tear of the tires and Tom would have to pay the difference to get new tires on his car. After all, Tom had tires that had 20,000 miles on them and now he has new tires with zero mileage. In new condition. Tom won’t have to replace or worry about them for awhile.

Betterment and depreciation decisions on claims are made on a individual basis. They are dependent on the specific facts of each case. Always though, the object of the claim is to return the vehicle to its pre-accident/loss condition and shape and includes the body, tires, etc..

Please note: These are difficult concepts and often can be

an area of conflict during the claim settlement.

6 Tips to Reduce Your Automobile Gas Bills

11:51:00 PM auto car insurance , Auto Insurance , Automobile Gas Bills

6 Tips to Reduce your Automobile Gas Bills

Automobile Gas Bills, Auto Insurance, auto car insurance

1) Always keep your engine well tuned. A poorly tuned engine can increase fuel consumption by 50% experts say.

2) Avoid fast jackrabbit style starts. They’re bad for your tires and terrible for your fuel consumption.

3) Don’t let your engine idle if you’re waiting for someone or in a line at a fast food restaurant. One minute of idling uses more fuel than restarting your vehicle engine.

4) Install a block heater to help warm your vehicle engine. A warm engine means easier starting with fewer emissions and less need for idling.

5) Plan you shopping and errands to combine multiple tasks on one outing to avoid several different separate trips/outings which can waste a lot of fuel.

6) Check your tire pressure regularly. Under-inflated tires can increase fuel consumption as much as 5%.

These few little tips can.....save you money at the gas pumps which results with ....more money in your pocket!

Believe them or not! - Road Deaths Drop in ‘98

11:50:00 PM auto car insurance , Auto Insurance , Car Insurance , Car Insurance Accidents , Road Deaths

Interesting Tips.......Believe them or not! - Road Deaths Drop in ‘98

Transport Canada says statistics for 1998 show that fewer people are dying in traffic accidents. What is increasing though is the number of motorcyle and bicycle fatalities.

Auto Car Insurance, Auto Insurance, Car Insurance Accidents, Car Insurance

Statistics reveal that:

Nearly 3,000 people died and 217,614 were injured.
There were 150,919 traffic accidents in 1998.
That’s a 4.7% drop in fatalities and 1.7% drop in injuries compared to 1997.
This means that road fatalities across Canada were at their lowest levels in 43 years.
The deaths include 1,479 drivers, 729 passengers, 401 pedestrians, 166 motorcyclists and 76 bicyclists.
Motor bike deaths were up about 35% from the year before and bicyclist fatalities increased about 14%.

Are Sports Utility Vehicles Safe? You decide!

The National Highway Traffic safety Administration(U.S.A.) reports that the rollover rate for SUV’s is 98 per 1,000,000 which is double that of all vehicles which is 47 per 1,000,000.

Between 1991 and 1994 about 9,000 people have died from rollovers. In fact, 10,000 people died in 1996 alone. Apparently, the Sports Utility Vehicle tends to tip over and roll due to the swerve/counter-swerve with its high-gravity point. SUV’s were specifically built to drive at slower speeds and clear larger obstacles and difficult terrain. They have a higher center of gravity. This interesting trait is deadly when combined with faster driving and defensive street driving such as attempting to avoid an obstacle by swerving.

Are Airbags Effective?

According to the National Highway Traffic Safety Administration more than 2,920 people owe their lives to airbags. Driver deaths have been reduced by 14% and passenger deaths reduced by 11%. When combined with the proper use of a

seatbelt it reduces the risk for serious head injuries by 75%. Where seatbelts alone have a 38% risk factor.

However, since 1990 there have been 105 deaths that have been reported and a majority of these were children.

Believe it or not!!!

MORE INTERESTING STATISTICS

Despite a crackdown by York Regional Police(Ontario, Canada) it appears fatalities are on an increase. The statistics recently released are as follows:

Forty one people lost their lives in traffic Fatalities collisions in 1999, compared to 33 in 1998.
Eight of last year’s (1998) fatal collisions were double fatalities.
It appears speed is the single biggest contributor. Last year, it accounted for 36.4 %, compared to 26.7% the year before.
Alcohol was a contributing factor in 21.2 % last year. This was up 16.7% in 1998
Failing to stop at a stop sign was responsible for 9.1% of last year’s fatal collisions, up from 6.7% a year earlier.
Misadventures of carelessness dropped to 3%, from 13.3% the previous year
Pedestrian actions accounted for 9.1% of fatals in 1999 which is less than half the 20% total in 1998.
Weather was a factor in 9.1% of fatal accidents in 1999 compared to 3.3% in 1998

Now................according to RIDE statistics:

There were fewer vehicles stopped in 1998. 29,856 to 32,480 in 1998
575 roadside breath tests were administered which was up from 448 the year earlier 99 (12 hour) suspensions were handed out. This is double the 51 in 1998
17 (90 day) suspensions were handed out. This is up from the 11 handed out the year before.
5 impaired driving charges were given which was up from 4 in 1998
15 charges of driving with more than the legal limit of alcohol in the bloodstream were handed out.

This was up from 10 the year before.

11 drivers were charged with other criminal code violations. This was up from 1 the year before.
18 people were charged with failing to wear seat belts. This is up compared to the 1 charge the year before.

Ironically for all the stepped up public safety efforts which includes a 40 % increase in traffic enforcement over 1998 the increased carnage and trauma during 1999 is very alarming. It appears that people don’t seem to get it and that they should not drink and drive.

Fatal accidents not only devastate family and friends, they affect emergency crews and the attending police officers. It’s effects are far reaching and troubling.

Canadian Insurance Industry Facts of Interest

Total Property/Casualty Insurance Companies operating in Canada are 237.

Total Property/Casualty Insurance Agencies and Brokerages in Canada are 7,213

Total estimate of people employed in the private

Property/Casualty industry in Canada:

Insurance Companies 35,555
Brokers 56,885
Adjusters/Appraisers 3,865 (1997 stats)

How To Avoid Auto Insurance Problems

7:47:00 PM auto car insurance , Auto Insurance , Car Insurance , Car Insurance Accidents , Road Deaths

Simple Tips.....How To Avoid Auto Insurance Problems

Not knowing how the automobile insurance system works can cost you money.

auto car insurance, Auto Insurance, Car Insurance, Car Insurance Accidents, Road Deaths

Here are a few Tips to watch out for!

1) Have all drivers listed!

Check your policy carefully on each renewal to make sure that all licensed operators of your vehicle are listed and shown on the policy.

For example - The vehicle and insurance is shown in the husbands name yet no where on the policy is the wife’s name even mentioned though she has driven for 20 years accident free. What if another car was bought for her and she has no previous insurance experience to confirm? Under age drivers (25 yrs old) might be another area of concern. People might believe they are saving money by not showing them as operators? But what happens when they do get their own vehicle and can’t provide accident free insurance experience. And they will get their own auto- it’s just a matter of time.

2) NSF Payment Cancellations.

Be responsible on payments for your auto insurance. Cancellations for non payment, non sufficient fund cancellations can be very negative and costly to you. It may even limit what insurance company you can place your insurance with! Be responsible and if a cancellation problem arises deal immediately with your broker to resolve it. Don’t ignore it!

3) Depreciation - what may happen on a claim.

Being prepared and knowledgeable can make a big difference with the results of a auto claim.

For example - If your car tires are stolen and you report a loss under your comprehensive coverage would your tires be replaced at full value. Not likely!

Such factors as age, condition, usage, wear and tear come into play. It only makes sense! Your tires might have 20,000 miles on them and yet you would be getting new tires. But how do you protect yourself so the claim is fair for you and the insurance company. A tip- keep the original bill of sale and have written on it the actual mileage of the vehicle at the time of installation by the tire installer!

4) What can I do to keep the cost of insurance down.

Contact your broker and discuss how your use of the vehicle(s) at present is rated and how your insurance company classes are determined. A potential problem could arise at the time of loss if your use is not properly classified. Also, you could be paying extra money by being wrongly rated.

Are you rated properly as your circumstances are today..... not in the past!

People Withholding Information!

Figures released by the Insurance Advisory Organization (IAO) suggest that a significant percentage of both personal and commercial policyholders are not disclosing past claims to their insurers when arranging insurance. The I.A.O. commercial based Claims Tracking System shows non-disclosed claims on more than 50% of inquiries while about 20% of the 150,000 monthly inquiries made to the Habituation Tracking System (home, etc.) uncover omissions. What that means is even if these figures are only half accurate then too many people are withholding insurance claims information and not disclosing it when arranging insurance.

In fact , statistics revealed that "seven to eight cases a day show up as suspicious". I can think of three possible reasons perhaps for this outcome.

1) One would be that some people simply don’t give the information as they believe they can hide it.

2)The second possible reason is that people simply forget to mention a particular claim or incident.

3) The third possible reason is the insurance broker did not ask the right questions.

But, whether the non-disclosure occurring is due to genuine errors, insufficient information being requested , or deliberately omitted, the real problem might end up with the insurance companies basing their rates on inaccurate data. Thus, someone might enjoy lower rates for car insurance as having no claims when in fact they had at- fault claims and should be paying a rate based on that actual record.

While their might be the odd company which does not check the data base for each and every new application for any past claims experience, the simple fact is most do! Most do it with no exceptions.

To combat fraud and misrepresentation, the ICPB’s Aspect system is linked to the U.S. National Crime Intelligence Branch, recording all vehicle movement across the border. ICPB’s advises that false stolen vehicle claims have been uncovered utilizing the system

Warning! Is Your Driver’s License Still Valid!

In Ontario (Canada) all new drivers, regardless of age, must complete a two level "Graduated Licensing" program before they qualify for full license privileges. These drivers have a maximum of five (5) years from the start date of their Level One License to earn full license privileges. If they do not receive their Class G license ( full license) within this 5 year period, they must reapply and start the licensing process over again.

According to information provided by the Ministry of Transportation, an estimated 125,000 Ontario drivers will see their Level One and Level Two licences automatically expire this year. If you received your Level One or Level Two license in 1994/95 and have not "graduated" to a Class G License, your license may have already expired. This means you could unwittingly end up driving without a licence. Please check your license and with the local registration licensing office.

Having Third Party Insurance is a Wise Investment

5:03:00 AM auto car insurance , Car Insurance , Third Party Insurance

Having Third Party Insurance is a Wise Investment - If you drive in Australia then purchasing third party car insurance in addition to owning compulsory third party personal (CTP) insurance is one of the wisest choices you can make, especially if you are unable to purchase comprehensive coverage. Many drivers believe that having compulsory third party personal insurance is enough simply because it’s required by law and is included in your registration, but fail to remember that CTP insurance does have its limitations.

Third Party Insurance, Car Insurance, auto car insurance

CTP insurance, or “green slip” insurance as it is more commonly called, only provides coverage for medical and healthcare claims made against the liable driver; it covers personal injury to another party when the owner of the vehicle or the person driving the vehicle is at fault. While CTP insurance covers your passengers and others that are using the road, it does not cover property damage or damage done to other vehicles by yours. This gap in coverage is where third party property car insurance takes over.

What does third party property insurance provide?

Third party property insurance covers damage done to any vehicles and the property of others by your vehicle in an accident were you are at fault. However, it does not cover damage to your own vehicle. Having third party property insurance is a no-brainer when you consider how costly even the slightest accident can be. Why risk paying thousands of dollars of out-of-pocket expenses when cheap third party insurance is widely available from a number of insurers in Australia?

Benefits of owning third party fire and theft car insurance

Motor vehicles are not just subject to being involved in accidents; fire and theft are also realities of automobile ownership. Third party fire and theft insurance is substantially cheaper than comprehensive coverage and owning a third party fire and theft policy definitely has its benefits- if you are involved in an accident and the other driver is at fault and your car catches on fire, live in an area that is considered high risk, or have your car stolen then you are covered by this insurance plan. Depending on which company you choose, sometimes property within the vehicle is also replaced by the insurance company.

Even if you can’t afford comprehensive car insurance coverage, third party car insurance provides a suitable alternative. There is no reason to risk financial ruin when third party insurance can provide you with just the coverage you need. Contact your insurer today to find out the best policy for your vehicle and your budget today.

Florida Auto Insurance is Mandatory - Consider Additional Coverage Not Just the Minimum

8:09:00 PM Accident , Affordable , Affordable Car Insurance , auto , auto car insurance , Automobile , Comparisons , Insurance

Florida Auto Insurance is Mandatory - Consider Additional Coverage Not Just the Minimum - Today, almost all states have made it mandatory to carry at least the minimum limits of liability coverage in order to protect the losses that might occur in the future due to automobile accidents. Florida has also determined their minimum limits of liability that anyone intending to own or drive a vehicle must carry.

Auto, Insurance, Comparisons, Automobile, Accident, auto car insurance, Affordable, Affordable Car Insurance

The minimum limits have two parts: Bodily injury and property damage. The prescribed limits of protection have been set as 10/20/10 which means:
$10,000 for one person in any accident
$20,000 for two or more people in any accident

Property Damage Liability (PD)$10,000 for property damages caused to others

The above mentioned protects the victim of any automobile accident caused by the policyholder. There is no compensation for the insured's property or injury. Therefore, in order to protect one's own property, one can also purchase additional car insurance policies such as collision and comprehensive coverage.

Also, an automobile policy is bought to cover the risks associated with traffic accidents. Therefore, if someone who uses s vehicle rarely has least risk and therefore even the basic liability may be sufficient. However, someone who uses a vehicle daily and extensively may have enhanced risk and the minimum may not be sufficient for such people. Therefore, one should also consider additional coverage based on one's risk and needs. Few of the popular additional options are:

o Comprehensive
o Collision
o Uninsured/Underinsured Motorist (UM)
o Rental Reimbursement
o Medical Payments
o Towing

There are many insurers and their brokers and companies in Florida who offer auto insurance. However, an effective method to shop and compare is to visit the website of any reputed insurer/broker and seek quotes from multiple insurers. After receiving these quotes, compare them on various parameters such as cost, coverage, deductibles, discounts, etc. in order to choose the cheapest and the most suitable protection. These websites can further help one to complete the purchase only and become insured instantly.

If considering additional coverage options, completing auto insurance comparisons can be an effective way to find affordable rates. There are many companies that are able to issue Florida auto insurance and the more one has to choose and compare from the more likely they can find the right price from a reliable insurer.

By John Pirro

Renewing Car Insurance Policies - Do's and Don'ts

10:00:00 PM auto car insurance , Auto Insurance , Car Insurance , Cheapest Auto Insurance Company , Compare Auto Insurance Rates

Renewing Car Insurance Policies - Do's and Don'ts - Having an adequate car insurance cover for your vehicle has become extremely imperative while driving on today's accident-prone, high traffic roads and dealing with uncertain conditions almost every day. Car insurance cover relieves your mind of the financial tension at least, takes your mind off the continuous worry of the expense that may occur from any unintentional damage occurred. So, one must be consciously aware of the car insurance term at any given point of time lest it expires and you are caught off guard with an unwarranted situation, only to find out that your car insurance is due for renewal.

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While the mandatory renewal of car insurance every year may seem like a monotonous and rather tedious procedure but it is critical to get it done on time in an appropriate manner. Moreover, it is important to consider certain aspects in mind while renewing your car insurance policy; there are some do's and don'ts that can go a long way in helping you to have your car insurance renewal done in an informed manner. Let's have a quick at some of these points and help to smoothen out the process for you and also help in going for relatively cheap car insurance, at best price with the best services.

Do's - Get it right

1. Comparison among policies- The first and foremost thing to consider while renewing the car insurance policy is the fact that there is a wide variety of insurance covers in the market to choose from with absolutely no compulsion to continue with the same policy taken. In case you experience certain inadequacies in the interim of one year of the policy or you may wish to upgrade your policy as per the changing demands, then, you always have the option of switching to a new one. Before that, it is critical to take note of the varied policies available in the market and make a thorough comparative analysis.

2. Accurate Details in the Form- While filling up the form for car insurance renewal, it is utmost important to fill inaccurate details about your car and to the best of your knowledge so as to get a suitable policy by the company. Thus, it is advised to fill up the form in a relaxed state and on your own as you know your requirements better than any company agent.

3. Policy Record- Once you have renewed the policy, make sure to fill a copy in a file and keep it with for the record or if it's a soft copy, then save it with you on a hard drive so as to not lose it. It's important to maintain a proper record as it gives all information required at any point and leaves no room for any confusion when it comes to availing the No-Claim Bonus (NCB) or any other future claim.

4. Add on Covers- Before taking up any policy, it is vital to take note of all the add-on covers and go through them at length so as to choose wisely the ones that suit your needs instead of blindly going for everything and end up paying a huge amount unnecessarily.

5. Registration Certificate (RC)- While renewing your policy, also ensure that your RC is updated with your present address, name and other details. Also, see to it that the vehicle specifications are accurate and the details mentioned on the RC are in sync with the policy details.

Don'ts - Not to Mess Up

1. No blank columns in the form- Do ensure that you end up leaving no columns in the form blank or unanswered that may impact your policy renewal in an adverse way. Instead, one must provide all possible information, just to be sure to be taking the right help from the insurance company.

2. Not to miss timeline for renewal- Keeping in mind the expiry of the car insurance plan is critical not just from the perspective of any damage occurring in the interim when you are uncovered but also for saving up on the late renewal charges if any by the company. Moreover, it gives one time to think and then act rather than being in a hurry to insure with the first plan that comes your way.

3. No Incorrect Declarations- One must never make any incorrect declaration or give any wrong estimate to the car insurance company, intentionally, as that can end up in getting you the wrong cover. Tell them precisely what your requirements are, what the car condition and car value estimation is and your future claims will remain uninterrupted.

4. Not to forget about the transfer of name- In case of acquiring a pre-owned vehicle, make sure to have the policy transferred in your name and do not have it renewed in the previous owner's name itself by any chance.

By Amit Sethi

Auto Insurance - Uninsured and Underinsured Motorist Coverage

8:49:00 AM auto car insurance , Auto Insurance , Cheapest Auto Insurance Company , Compare Auto Insurance Rates

Auto Insurance - Uninsured and Underinsured Motorist Coverage - What is Uninsured Motorist coverage? Well, it tends to be self-explanatory to some degree. Very simply, if the at-fault driver is uninsured and causes injury and damage to you, your Uninsured Motorist coverage - known as UM - will take the place of the at-fault driver's financial responsibility and pay your claim. Again, that's the simple definition. There is much, much more to the rules, conditions and exclusions of the coverage.

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Uninsured Motorist coverage affects two categories - one is Bodily Injury (UMBI) and the other is Property Damage (UMPD). Let's discuss UMBI first. Your policy limits for UMBI will be the applicable limits for you and those family members considered first party insureds per your policy definitions. The applicable limits for others in your vehicle who sustain injury in this situation would be the state's minimum required limits for BI. So, if you were in a state that had minimum limits of 15/30 for Bodily Injury but you had UMBI limits on your policy of 30/60, these higher limits would only apply to first party insureds (read your policy definitions!) and all others in your vehicle who sustained injury in an accident caused by an uninsured motorist would only have the 15/30 - regardless of the severity of their injuries. Make sense?

UMPD is for the damage to your vehicle caused by the uninsured motorist. This is a separate coverage so don't think that if you opted for the UMBI that you get both. Typically, if you have Collision coverage, you cannot have UMPD but may opt for Collision Deductible Waiver, which will pay the deductible in regard to an accident with an identifiable uninsured motorist. Same outcome. People who don't have Collision will usually take the UMPD, which may carry a stated amount as maximum that will be paid out under the coverage.

"Identifiable" brings up some important points - requirements for UMPD to be used:

1) Your vehicle must have direct contact with the uninsured vehicle

2) The owner or the operator of the uninsured vehicle must be identified, or

3) The other vehicle must be indentified by its license plate number

Now that you have some understanding of what UM is, there is also UIM - which is Underinsured Motorist coverage. This is part of your UM and only applies to the bodily injury part of the coverage. If you are severely injured and the at-fault party only has, say 15/30 Bodily Injury coverage (for which you are only entitled to $15,000), and your UMBI coverage is 50/100, there is an additional $35,000 available to you to satisfy your claim (the underlying $15,000 is subtracted).

UM Coverage is simple on the one hand but complicated in that there are many definitions, conditions, and exclusions that apply. The coverage is designed to prevent the non-fault parties from financial loss when hit by an uninsured party but has safeguards to prevent abuse.

Finley Keller has spent nearly 30 years in the insurance industry, beginning as a licensed agent with a CLU then moving into claims. Auto, homeowner, worker's comp and other liability-only type policy claims. Casualty and material damage. Her last ten years were spent in SIU (Special Investigative Unit), working with fraud detection. The last four years she was manager of SIU, responsible for working fraud cases and the training of employees in compliance with state regulations as related to fraud. She is a retired member of NCFIA, Northern California Fraud Investigators Association. She has a Senior Claims Law Associate (SCLA) designation through the American Educational Institute, Inc. She writes about insurance in an effort to educate and assist people in understanding the basics and key principles of insurance. Please visit The Insurance Detangle.

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