An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy.
Why do I need auto insurance?
In some states, to drive you must carry:
Liability coverage to pay for losses you cause others, or:
No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of fault, or both coverages.
Even in states where auto insurance coverage isn't required, drivers must, by law, be able to pay for losses they may cause others. Having auto insurance is the simplest way for most people to comply. Also, coverage for vehicle damage usually is necessary to finance a car.
Without insurance, you risk paying for the full cost of:
Any harm you cause others, or:
Repairing or replacing your car if it's damaged or stolen.
How much auto insurance do I need?
Questions to ask yourself and your auto insurance agent:
How high should my liability coverage limits be? No one can predict exactly how much you would have to pay if you were to cause an accident. Ask yourself how you would pay for any damages exceeding your coverage limits. The higher your limits are, the more likely your policy will be able to pay all of the damages.
How high or low should my collision and comprehensive deductibles be? Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Ask yourself how much you are willing to pay in order to save on premium.
Should I carry collision and comprehensive coverage? As your car's value decreases, you might consider dropping these coverages and pocketing the savings on premiums. Consider, though, if the savings are enough to offset the risk of footing the entire cost of repairing or replacing the vehicle.
In every state except New Hampshire, South Carolina, Virginia, Wisconsin and Tennessee, you will be required to carry at least a minimal amount of liability insurance. Liability insurance protects people in other cars when you are at fault, covering medical bills and car repair. However, this very basic type of insurance does not cover injuries to you or damage to your own vehicle. To get this coverage, you’ll need comprehensive and/or collision insurance. You’ll find that auto insurance quotes for this type of coverage are higher than those for liability insurance; that’s because these cover so much more. Collision insurance pays to fix your car and pay your medical bills even if you are at fault in an accident. Comprehensive insurance covers most other things that can happen to your car – fire, vandalism, or random events like falling tree branches. Depending on your personal circumstances, you can choose different deductibles which will change the estimated yearly cost of collision and comprehensive auto insurance quotes. A deductible is the dollar amount that you must pay before your insurance kicks in. For example, if you have a $500.00 deductible and your car incurs $350 in damage, you’ll have to pay to cover the whole amount. But if you incur $800 worth of damage, you will pay $500 of that amount and your insurance company will pay $300. Some auto insurance
companies also sell medical payment and personal injury protection (PIP)/no-fault insurance, which expand medical coverage and may pay for lost wages, childcare costs, and other side expenses resulting from accidents. Other add-ons can include rental reimbursement and towing and labor insurance. When offering you an auto insurance quote, companies will want to know about your driving records, your age and how long you’ve had a license, and will inspect your car before certifying it.
czwartek, 29 listopada 2007
czwartek, 22 listopada 2007
Car Insurance Rates - Teenagers
Varies greatly from one group of drivers to another. This is mainly due to different types of driving styles. Factors such as age, sex,credit history, marital status, and criminal background can greatly affect your car insurance rate.Car insurance rates for teenagers continues to be among some of the highest rates seen by anyone applying for auto insurance. Unfortunately teenagers have alot going against them when insurance companies consider them for coverage. Lack of experience, little to no credit history, and no marital status are all factors that skyrocket a teenager's insurance rate. The highest auto insurance rates observed by any individual are usually any male driver under the age of 25. Teenager's are also "statistically" more liable to get into a car wreck. In 2003 teenagers made up less than 5% of all drivers, but were involved in nearly 20% of fatal car accidents, an 22% of any type of car accident. Statistically teenager's are a huge liability for insurance companies, and they make up for the liability in increased rates.Fortunately, there are options for teens looking for ways to decrease their rates. A teen may be put under the same policy as his/her parents, therefore decreasing the rate. This can sometimes result in an increased rate for the parent's, but the overall savings usually make up for the adjustment. The type of car also has a small factor in the rate price. A car with a low profile engine, high safety measures, and mediocre value are generally considered better in the eyes of insurance companies. Obviously a teenager's rate is going skyrocket if they drive a brand new porsche or high valued luxury sedan.Another option for teens is to take a drivers training course. Teens that have never driven a car, or are getting their license for the first time would do well to take a drivers training course - as not only would their insurance rates decrease, you are at much less risk to get into an accident after taking the course.There are many other options available to the would-be teen looking to decrease their insurance rates.
środa, 14 listopada 2007
DWI Arrest information and your rights
DWI is known by many different names and abbreviations. DWI is Driving While Intoxicated, DUI - Driving Under Influence, OUI - Operating under Influence, Drunk Driving and so on. DWI is governed by State Laws. Therefore, terminology differs from State to State. In this article we will specifically discuss laws and punishments related to DWI arrest, your rights if you are charged with DWI and how to get yourself a competent DWI Defense Attorney.
To start with - DWI is a very very serious offense. An alarming number of Americans lose lives every year because of drunk drivers. The DWI Laws are very strict and if you are arrested with DWI charges, it can damage the rest of your life in a big way. DWI arrest can have very serious consequences. A bad police record is something you will have to live with if convicted. If not convicted you end up spending thousands of dollars over various things including DWI attorney fee. Either way there is bound to be criminal waste of countless number of hours visiting police station, meeting up with your Probationary Officer from time to time, volunteering community service, attending alcohol education classes, filling up forms at various stages and what not.. the ordeal is tiring, sometimes meaningless and humiliating. When you are caught under DWI suspicion, you are taken to the jail by the officer who has made the arrest and until you are allowed to make a call and your DWI attorney releases you on bail, you are actually in the jail cell (sharing the cell with one more criminal) in clothes provided by the jail, eating jail food, sleeping on hard jail matress. It traumatizes the person arrested under DWI. Immediately after DWI arrest you lose your right to drive, unless court grants you Occupational License, which comes with conditions such as observing speed limits and driving in limited areas etc. All this, if you get Occupational License. If you don't there is no issue. No driving your kids to school, or your parents to the nearby hospital. Immobility breaks your back. How will you drive to your job? There are instances when people have lost their jobs as a result of their DWI arrest. There are countries that don't allow people with DWI records against them.
Coming to your rights, as you are arrested under DWI charges, the first thing is to make sure the officer has not followed you to your destination/home without you being informed of it. You have a right to know your rights under the circumstances by the police officer arresting you. It is not your right to refuse BAC Test. If you do, your license may be suspended. Later on if it is found that your faculties were not impaired, your case will be dismissed but the status of your license will not change as you refused to co-operate with the arresting officer. You have a right to hire an attorney to fight your DWI case. Which brings us to our third point. How to find a competent DWI attorney.
First thing, if you are arrested under DWI - don't try to be your own attorney. Let a qualified professional handle it. Try to look for an attorney who practices only DWI cases and belongs to the same state where the DWI arrest has happened. Check out the website of your attorney if he has any. Check out his past DWI records. Talk to people whose cases this DWI attorney has handled. If DWI is one of the areas of your DWI attorney's practice, it is less likely that he will be aware of every aspect related to DWI. Where as if you choose your DWI attorney who practices say Austin DWI cases exclusively, he will approach and handle the DWI arrest much better. Start the process of looking for a DWI attorney fast as you have only 15 days to get one after your arrest. The whole DWI arrest process can take anywhere form 6 months to 3 years. Once the case is over you will have to pay an yearly fee of $1000 for next three years to up keep your driving license
To start with - DWI is a very very serious offense. An alarming number of Americans lose lives every year because of drunk drivers. The DWI Laws are very strict and if you are arrested with DWI charges, it can damage the rest of your life in a big way. DWI arrest can have very serious consequences. A bad police record is something you will have to live with if convicted. If not convicted you end up spending thousands of dollars over various things including DWI attorney fee. Either way there is bound to be criminal waste of countless number of hours visiting police station, meeting up with your Probationary Officer from time to time, volunteering community service, attending alcohol education classes, filling up forms at various stages and what not.. the ordeal is tiring, sometimes meaningless and humiliating. When you are caught under DWI suspicion, you are taken to the jail by the officer who has made the arrest and until you are allowed to make a call and your DWI attorney releases you on bail, you are actually in the jail cell (sharing the cell with one more criminal) in clothes provided by the jail, eating jail food, sleeping on hard jail matress. It traumatizes the person arrested under DWI. Immediately after DWI arrest you lose your right to drive, unless court grants you Occupational License, which comes with conditions such as observing speed limits and driving in limited areas etc. All this, if you get Occupational License. If you don't there is no issue. No driving your kids to school, or your parents to the nearby hospital. Immobility breaks your back. How will you drive to your job? There are instances when people have lost their jobs as a result of their DWI arrest. There are countries that don't allow people with DWI records against them.
Coming to your rights, as you are arrested under DWI charges, the first thing is to make sure the officer has not followed you to your destination/home without you being informed of it. You have a right to know your rights under the circumstances by the police officer arresting you. It is not your right to refuse BAC Test. If you do, your license may be suspended. Later on if it is found that your faculties were not impaired, your case will be dismissed but the status of your license will not change as you refused to co-operate with the arresting officer. You have a right to hire an attorney to fight your DWI case. Which brings us to our third point. How to find a competent DWI attorney.
First thing, if you are arrested under DWI - don't try to be your own attorney. Let a qualified professional handle it. Try to look for an attorney who practices only DWI cases and belongs to the same state where the DWI arrest has happened. Check out the website of your attorney if he has any. Check out his past DWI records. Talk to people whose cases this DWI attorney has handled. If DWI is one of the areas of your DWI attorney's practice, it is less likely that he will be aware of every aspect related to DWI. Where as if you choose your DWI attorney who practices say Austin DWI cases exclusively, he will approach and handle the DWI arrest much better. Start the process of looking for a DWI attorney fast as you have only 15 days to get one after your arrest. The whole DWI arrest process can take anywhere form 6 months to 3 years. Once the case is over you will have to pay an yearly fee of $1000 for next three years to up keep your driving license
niedziela, 4 listopada 2007
Lake County Florida Police Arrest Records
Arrest Records Online: If you do a search on google you'll find there are many free public record search engines you can use that will provide some info. The DWI arrest invariably leaves the DWI Austin victim with a sour feeling that this was one drink that he could have so easily done without! How true but too late... now that you're facing DWI charges, you rather deal with it. One thing about DWI Austin Arrest is that you cannot undo it. No matter what you do, if you are arrested by Law Enforcement Team or Patrolling Police under DWI Austin you have to face the consequences.. Taking the time to find court records can seen intimidating but with the help of a company that specializes in helping you find court records the information you need can be in your hands in no time.
Free Glouchester Nj Arrest Records: Your request should be as specific as possible about the person including if available the person's legal name prior names Social Security Number (SSN) race date of birth present and past addresses. Along with the transcript other documentation is also included in court documents such as legal forms evidence and other related files. See vital records manhattan ny birth certificate How does DWI Austin arrest happen? DWI Austin or Driving While Intoxicated in Austin is not an easy job for the patrolling police also. They are given a set of guidelines which they have to adhere to. They are trained professionals doing their job. So if they stop you on DWI suspicion, it means they have enough proof for doing so. Either someone called them (not an anonymous caller) or you have been under observation for at least half an hour and that they have been observing your behavior and mannerisms..
Arrest Records Findings Along with the transcript other documentation is also included in court documents such as legal forms evidence and other related files. Several companies in Arizona do regular scheduled Arizona DUI Record checkups. More at marriage and divorce records michigan Search does not provide social security numbers date of birth credit history and employment records nor to they offer bank account information or other private financial information.
Searching for Arrest Records The Internet has revolutionized the way we search and retrieve information and looking for public records has become much easier and more convenient. Did you know that you could now access public arrest records databases and worldwide public arrest arrest records directories without leaving your home? Thanks to the Internet, you can access almost any arrest arrest record you need by going to a public arrest arrest records site. The Internet has revolutionized the way we search and retrieve information, and looking for public arrest arrest records has become much easier and more convenient. . See http://www.arrestrecordslegal.cn/marriage-record/death-records-united-states-government.php As you can see if you work at breaking down the law into smaller chunks that you can manage you should be able to figure out all the points that the prosecution needs to prove against you.
Free Glouchester Nj Arrest Records: Your request should be as specific as possible about the person including if available the person's legal name prior names Social Security Number (SSN) race date of birth present and past addresses. Along with the transcript other documentation is also included in court documents such as legal forms evidence and other related files. See vital records manhattan ny birth certificate How does DWI Austin arrest happen? DWI Austin or Driving While Intoxicated in Austin is not an easy job for the patrolling police also. They are given a set of guidelines which they have to adhere to. They are trained professionals doing their job. So if they stop you on DWI suspicion, it means they have enough proof for doing so. Either someone called them (not an anonymous caller) or you have been under observation for at least half an hour and that they have been observing your behavior and mannerisms..
Arrest Records Findings Along with the transcript other documentation is also included in court documents such as legal forms evidence and other related files. Several companies in Arizona do regular scheduled Arizona DUI Record checkups. More at marriage and divorce records michigan Search does not provide social security numbers date of birth credit history and employment records nor to they offer bank account information or other private financial information.
Searching for Arrest Records The Internet has revolutionized the way we search and retrieve information and looking for public records has become much easier and more convenient. Did you know that you could now access public arrest records databases and worldwide public arrest arrest records directories without leaving your home? Thanks to the Internet, you can access almost any arrest arrest record you need by going to a public arrest arrest records site. The Internet has revolutionized the way we search and retrieve information, and looking for public arrest arrest records has become much easier and more convenient. . See http://www.arrestrecordslegal.cn/marriage-record/death-records-united-states-government.php As you can see if you work at breaking down the law into smaller chunks that you can manage you should be able to figure out all the points that the prosecution needs to prove against you.
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