Auto insurance

Michigan Auto Insurance Laws – MI Car Insurance Laws You Need to Know

admin — Sat, 07 Aug 2010 01:38:03 +0000

There are many different Michigan auto insurance laws that are important for all MI drivers to at least have a basic understanding of. Michigan has a no fault auto insurance law. Most states throughout America have tort laws, but Michigan is one of the few that does not. Such no-fault laws are put in place to try and reduce the number of frivolous and fraudulent lawsuits that result from car accidents. The car insurance laws in Michigan are very comprehensive and provide for excellent benefits if you are injured in a car accident.

Understanding The MI No Fault Auto Insurance Law

Michigan’s no fault law simply means that if you are involved in a car accident, bodily injuries are paid for by your own insurance coverage, regardless of who was at fault in the accident. For you this means that apart from the fact that it is required by law, it is also in your best interest to carry at least the minimum insurance coverage in the state.

Michigan no fault insurance provides for your medical expenses in these ways:

A. Unlimited coverage for medical and rehabilitative costs

B. Wage loss protection

C. Replacement services of $20 daily, for as long as 3 years

Michigan State Required Auto Insurance Coverage

The state of Michigan requires you to carry liability limits of 20/40/10 and personal injury protection coverage.

- 20/40/10 means $20,000 bodily injury liability coverage per person, $40,000 per accident in total and $10,000 in property damage liability

- PIP, as personal injury protection is called, pays all the medical costs that you incur if you are hurt in a car accident.

Comparing Michigan Auto Insurance Coverage Options

There are other types of car insurance available in Michigan also, including personal property coverage like collision and comprehensive, amongst others. To get more pricing on your car insurance needs, check out an online quote tool. It will provide you with a variety of Michigan auto insurance quotes from top insurers, so you can compare and contrast price, coverage and service.

By: James J. Robinson

Car Insurance? Don’t Just Accept The Renewal Quote

admin — Thu, 29 Jul 2010 07:30:09 +0000

Many millions of insurance renewal, bills will be sent out over the next two weeks, you should consider if it’s a good idea to just accept the quote. On the other hand, maybe you should shop around to see if you could find a better deal.

Huge numbers of motorists will be in severe shock when they discover how much their premium will have risen since paying their insurance a year ago.

In the UK, new number plates are issued during the month of March; it is also the month with the highest number of car sales. So obviously, as a side effect is also the month, the highest amount of car insurance policies arranged.

So for many millions March will be the happy anniversary of the purchase of their brand spanking new car. Unfortunately, it will also be the anniversary of taking out their new insurance policy.

Renewal time is an excellent opportunity to look over your policy, and consider, could you get the same cover and pay less money?

A good place to start is by going through all the boring terms and conditions. You may find that in your rush to get into your new motor last year. You did not consider exactly what insurance conditions you needed for you and your vehicle.

You may find that their are some conditions that don’t apply to you what you no longer need, removing small pieces of cover can significantly reduce your insurance premium.

The floods last summer had a huge effect on the cost of renewing household insurance because of the massive number of claims. People do not realise that huge numbers of cars were also damaged or destroyed by the floods, which have contributed to an increase in car insurance costs.

The AA has released its latest index of quarterly insurance costs. The survey concludes that there’s been a large increase in the number of personal injury claimants on motor insurance companies. The knock-on effect of this has been a 2.5% increase in the cost of insurance cover. The index covers quotes from more than 80 large and small insurers, and found that the average comprehensive insurance premium is now nearly

Colorado Auto Insurance Minimum Coverage Requirements

admin — Tue, 27 Jul 2010 00:03:42 +0000

Are you aware of the Colorado auto insurance minimum coverage requirements? The minimum levels of auto insurance coverage requirements are set by CO lawmakers. Driving without the required insurance is a very serious matter and can result in penalties and unwanted hassle.

Bodily Injury Liability

As a Colorado driver, you must have at least $25,000 in individual bodily injury liability insurance in place. This type of insurance pays for the medical expenses of a person injured in an automobile accident where you are considered the at-fault driver. Your policy must also have a cap of at least $50,000 to pay the medical bills for two or more people injured in the same accident.

Property Damage Liability

The property damage liability portion of your policy pays for damage caused to objects, such as the other driver’s vehicle, a mailbox, a fence, or a shed. The minimum level of coverage required by law in CO is $15,000.

Please keep in mind that the minimum levels of insurance coverage set out here are just that. Drivers in Colorado do have the option of buying more coverage if they want to. Before you make a decision about what level of coverage to buy, you will need to keep in mind that if you at the at-fault driver in an accident, you will be responsible for paying for damages above your policy limits.

It makes more sense to insure your vehicle properly and not take the chance that you will have to consider tapping into your savings or liquidating your assets after an accident. Your insurance company or agent can help you to figure out how much coverage you should have in place.

Find Colorado Auto Insurance Coverage Today

Now that you know what the Colorado auto insurance minimum coverage requirements are, why don’t you get take the next step and make sure you have enough protection for your needs? Spend a few moments comparing rates from some of the top companies and you can be on your way to the best Colorado car insurance in a jiffy!

By: James J. Robinson

Florida Car Insurance

admin — Wed, 21 Jul 2010 20:55:49 +0000

Florida drivers have a minimum requirement for automobile insurance, which includes death, or injury for ten thousand dollars, twenty thousand for one accident and only ten thousand for property damage. Drivers do not have to carry comprehensive or collision on vehicles unless they need to for other reasons such as a lien holder requires them to.

Florida car insurance companies have many different insurance companies that offer good rates for good drivers. High-risk drivers will pay a higher premium than what a low risk driver will. There are automobile insurance companies that require you furnish all information to obtain car insurance from their company. The rates where created when the insurance companies took all drivers in Florida and combined all the information into a computer which then helps them to set up rates for good drivers, moderate drivers and high-risk drivers.

Auto insurance quotes for high-risk drivers will be higher then those for a low risk driver. These companies make money because of a need in the market for high-risk drivers to have insurance in order to drive. The eligibly requirements from company to company vary; therefore, comparing car insurance rates is always necessary. If an automobile insurance company will not insure you because you are high-risk, you need to keep looking until you find one to insure you, even if the premium is high.

A high-risk driver pays a very high premium when living in Florida. If you are single and have a bad driving record, your insurance rate reflects a high monthly premium. When living in Florida, you need to pay very close attention to your infractions to have insurance you can afford.

If you live in Florida, you need to carry proof of insurance [http://www.autocarinsurancehelp.org/Classic_Car_Insurance/]

as this is a serious offense and can result in fines and/or suspension of your driver’s license. Florida car insurance is mandatory and judges have been known to impose stiff sentences and take cars that do not have insurance on them. If you go to license a new vehicle or renew your plates, you need to provide proof of car insurance, which is liability. All states have the some form of punishments for failure to provide proof of automobile insurance.

If you have automobile insurance from a Florida car insurance company, your insurance is proof in all states as being insured when driving. If you have an accident while traveling in the United States, you are subject to the same penalties but they do recognize your insurance from Florida. You need to carry proof of insurance wherever you travel to insure if you are stopped even for a speeding ticket, you can prove you have insurance.

By: David Faulkner

Arizona Auto Insurance Law

admin — Tue, 13 Jul 2010 05:48:33 +0000

What does financial responsibility mean?

Like all other states, Arizona has financial responsibility laws which means that if you are involved in an accident you will be asked to present proof of your ability to cover the cost of damages caused up to a minimum amount. To comply with this law most drivers buy automobile liability insurance.

What type of automobile liability insurance am I required to have according Arizona Auto Insurance Law ?

Arizona Auto Insurance Law requires that you have Bodily Injury liability and Property Damage Liability

What are the minimum liability limits?

According to Arizona Auto Insurance Law, the minimum amount of liability coverage needed for personal injury is $15,000 person and $30,000 per accident.

The minimum amount of liability coverage needed for property damage is $10,000. This will usually appear on the policy in the form 15/30/10.

When will I be required to present proof of Insurance?

Within 30 days of registration. If you’ve had an accident you will be required to present proof of Insurance/financial responsibility at the time of the accident. Further, the State requires that you have proof of insurance at all times in your vehicle. In most cases a card issued by the insurer is sufficient.

Will my insurer required to verify the validity of my insurance policy?

Yes. According to Arizona Auto Insurance Law, if you’ve had an accident or you have been arrested, your insurance company will be required to verify that your policy is in good standing. Your insurance company must also inform the Arizona Department of Motor Vehicle if you cancel or fail to renew your policy. And according to Arizona computer data law, insurance companies are required to submit their entire list of policies in force, which the State may compare with registrations.

What are the penalties for non-compliance to the financial responsibility law?

A $250 fine.

What are the laws governing AZ liability insurance

Liability insurance in Arizona is based on the tort liability system. This means that if you were involved in an accident that is not your fault you and/or your passengers have the right to sue the party at fault for pain and suffering, and for other out-of-pocket expenses such as medical costs.

ARIZONA DUI/DRUNK DRIVING LAWS

What is the BAC (blood alcohol content) limit is the state of Arizona?

The BAC (blood alcohol content) limit for the state of Arizona is .08

Will I have my license revoked or suspended if my BAC is above 0.08?

According to Arizona Auto Insurance Law, yes. If you are pulled over by an officer and your BAC test result returns a reading above .08 you will face an on-the-spot driver’s license revocation or suspension. Further, if you refuse to take the BAC test your license will still be revoked or suspended.

What is the implied consent law?

Like most states, Arizona has the implied consent law. This law is base on the premise that because you choose to drive on the streets and highways of the state, you have given your consent to submit to the BAC and or urine test to ascertain alcohol or drug levels.

What is the penalty for violating the implied consent law?

The mandatory penalty for violation of the implied consent law in Arizona is suspension or revocation of one’s driving privilege.

Are preliminary breath tests permitted my law in Arizona?

According to Arizona Auto Insurance Law, yes. In states where it is permitted by law, sometimes an officer will do a preliminary breath test on-the-spot to confirm that you are actually under the influence. An alcosensor machine, a hand-held device, is often used. Although its results are not admissible in court, if the machine returns a positive reading, you may be taken to a police station the take the actual BAC test.

What is DUI Plea Bargain?

In a DUI plea bargain, the driver charged with DUI agrees to plea guilty to a lesser charge than one for which she could stand trial. When this happens, she receives a more lenient sentence, and/or have certain related charges dropped. The DUI plea bargain is prohibited in Arizona.

What is the open container law?

The open container law makes it illegal for the driver and passengers to have unsealed alcohol containers in an automobile passenger compartments.

ARIZONA SEAT-BELT LAWS

Are seat-belt laws enforced in the State of Arizona?

Yes. As of January 1, 1991, driver and all passengers are required to wear seat-belts in the State of Arizona.

Are seat-belt laws primary or secondary in Arizona?

Seat-belt laws in Arizona are NOT primary. Primary enforcement means that an officer may stop an automobile and issue a ticket for violation of the seat-belt law. Secondary enforcement means that the officer may issue a ticket for not using seat-belt if and only if the driver was stopped for some other violation.

What are the fines for noncompliance to seat-best laws in AZ?

$10

LAWS GOVERNING OLDER DRIVERS

Am I required to perform medical, knowledge, road, or vision retests when I renew my license?

Retesting for all drivers is usually required for vision, road retesting is only required under certain conditions. For example, if you’ve had too many accidents over a certain period of time.

Is my doctor required to report a physical condition that may affect my ability to drive safely?

NO

Is there an age limit on driver’s license renewals

Yes. 70 years.

LAWS GOVERNING TEENAGE AND YOUNGER DRIVERS

Do teenage drivers require graduated licensing?

YES. All states have graduated licensing (a rigorous learning period before full driving privileges are granted) laws for drivers 15 to 18 years old.

For what period of time are teenagers required to maintain a learners permit? For a minimum of six (6) months.

Are teens required to own an intermediate or provisional driver’s license before they a granted full driving privileges?

No.

Do young drivers have certain restrictions on night driving?

No.

Can teenage drivers carry the maximum number of passengers allowed in a vehicle?

Yes.

OK. What about BAC (blood alcohol content) level? Are there restrictions on that too?

I hate to be the bearer of bad news, but the answer is yes. Although the BAC level for other drivers is 0.08, Arizona drivers under the age of 21 years with a BAC level greater that 0 (yes zero) could be charged with DUI.

By: Richard Cunninghamm

California Car Insurance Requirements

admin — Thu, 24 Jun 2010 19:05:59 +0000

California Law requires all motor vehicle owners to have insurance which provides Bodily Injury Coverage and Property Damage Coverage.

In the State of California the required minimum coverage for bodily injury is $15,000 per person injured in any one accident and $30,000 for all persons injured in any one accident.

The required minimum coverage for property damage is $5,000 for injury to or the destruction of property of others in any one accident.

Optional insurance may include Uninsured Motorist Coverage. If the policy holder makes this choice, the actual coverage purchased must be at least the amount of the required Bodily Injury Coverage. If the policy holder purchases more than the required amount of Bodily Injury Coverage, Underinsured Motorist Coverage may then be purchased in a lesser amount. The State of California does not require insurance companies to provide Uninsured Motorist Coverage in any amount greater than $30,000 per personal injury in any one accident and $60,000 for all persons involved in any one accident.

As well, if Uninsured Motorist Coverage is purchased, then the policy must also include Underinsured Motorist Coverage. California requires insurance companies to offer for purchase Underinsured Motorist Coverage in an amount equal to that purchased for Uninsured Motorist Coverage. Insurers may, however, offer a greater amount of Underinsured Motorist Coverage than the Uninsured Motorist Coverage actually purchased by the policy holder.

California requires liability limits of 12/30/5 which represent $20,000 for bodily injury coverage per person and $30,000 for bodily injury coverage per accident which will pay for medical bills and lost wages. The last number of 5 represents $5,000 for property damage coverage per accident which will pay for repairs and/or replacement of objects damaged or destroyed other than the policy holder’s own vehicle.

Personal Injury Protection (PIP) and No-Fault Coverage are not required by the state.

Adding Collision Coverage as well as Comprehensive Coverage to an insurance policy is optional as well in California.

By: Elizabeth Newberry

Cheap Car Insurance For First Time Drivers

admin — Wed, 26 May 2010 20:19:36 +0000

If you are new to driving it would be better, unless you have lots of money, to begin with a car from a lower insurance group. If you can build up and maintain a no-claims profile with no penalty points, you should be able to move up the car insurance groups without significantly increasing your premium.

The idea is that cheap car insurance for young drivers should be competitive because you are cutting out the middleman, so the insurer can pass the savings on to you. However you will have to do the leg-work though, which can take a few hours, but it will be time well spent. You should call at least three insurance companies before deciding on a policy. And remember that you can often save between 10% and 20% by going online. Most insurance companies offer cheap car insurance for first time drivers online. So if you get a telephone quote then you need to check you are not missing out on a deal which you can only get online, even from the same insurance company.

There is no shortage of websites that will let you compare car insurance policies and prices between different car insurance companies. But to get the best possible deal, then you need to spend a few minutes making certain that you are answering all of the questions correctly before you jump online.

Don’t think, however, that you can get away with only looking at comparisons on one website. Each website only compares a small handful of insurance companies. If you really and truly want to make sure that you are getting the very best deal possible on your car insurance, then you really need to bite the bullet and take the extra time to make the same comparisons on at least 3 different websites.

Another way to secure cheap car insurance for first time drivers is to pay up front for the policy. Paying by monthly instalments may appear to be the cheaper option but many insurers will charge interest on the payments (up to 25% APR) and this could effectively clear any perceived savings you made on the policy.

Also consider adding breakdown cover to the policy if offered by the insurer as this could save you a lot of money in the long run and is usually quite cost effective considering the peace of mind it delivers. You can save

Get Cheap Car Insurance in Fort Worth, Texas

admin — Thu, 29 Apr 2010 09:29:29 +0000

In Fort Worth, Texas motorists have to hold a minimum about of liability insurance on their vehicle before they can register it. This law is in place to protect everyone and although this coverage may be great for someone with an older car, it’s not likely to be sufficient for someone driving a brand new SUV. The minimum that is required in Fort Worth, Texas includes $20,000 coverage per person for death and injuries as well as amounts for both victims and property damage. Don’t buy this type of cheap car insurance in Fort Worth, Texas unless you feel comfortable with bare minimums.

Adding more coverage to your policy doesn’t necessarily mean that you won’t be able to secure cheap car insurance. There are different types of insurance and some typically cost more than others. For example, if someone in Fort Worth, Texas opts to purchase towing and labor coverage they are going to pay more than someone who passes on that. Collision coverage also raises the price of car insurance premiums drastically and unless you are driving an older vehicle, this type of coverage is strongly suggested.

A good tip for finding cheap car insurance is to seek out quotes only from companies who cater to good drivers. Obviously this is only beneficial if you are a good driver yourself. Many individuals with stellar driving records make the mistake of obtaining quotes from companies that deal almost exclusively with high risk drivers. Typically premiums with companies like this are going to be higher than they would be with other insurers, so be aware of what type of company you are dealing with before asking for a quote.

Also ensure that as your car ages, your cover changes. There comes a time in the life of every car when coverage can be lowered. If you’ve had collision on your car for years and you’ve come to realize that the vehicle itself isn’t worth much, adjust your plan and you’ll see a drop in premiums.

By: Deborah Mills

Can GEICO Auto Insurance Help When It Comes To DUI Car Insurance?

admin — Wed, 28 Apr 2010 15:07:10 +0000

DUI car insurance is quite a significant issue for those charged with drunk driving, DUI, DWI, or other alcohol-related driving offenses. Auto insurance companies including GEICO auto insurance will base their rates on a variety of factors, including driving record.

Drunk driving convictions will cause many auto insurance carriers to drop you like a hot potato as an insured; others will raise the rates significantly. In many cases it may be best not to reveal a pending case to an insurance carrier, simply because without a conviction, there is no obligation to do so.

If an accident is involved in the alcohol-related driving episode, then it becomes even more complicated when to talk with your auto insurance company and when to talk to your lawyer. Therefore, it is critical to consult with a qualified lawyer in your area to determine whether the insurance company can exclude the incident from coverage. In most cases, when someone has a DUI or DWI and gets into an accident, a GEICO auto insurance policy will cover the damage. It is not absolute, but nice to know they stand by their auto insurance policies and can back it up with their strong financial power.

By getting a free, no-obligation quote on auto insurance from GEICO Auto Insurance anyone accused of a DUI / DWI can get information on the specifics of their situation while there is still time to do something about it.

For fast info on some of the top 10 auto insurance companies click on over to Free Advice For Top 10 Auto Insurance Companies.

By: Carley Swift

California Car Insurance Minimums

admin — Wed, 28 Apr 2010 01:05:47 +0000

California has a program designed to decrease the amount of uninsured drivers in their state. The California Low Cost Auto Insurance Program assists needy families with obtaining car insurance with rates lower than normal. The theory behind this program is brilliant. California legislature decided that more motorists would buy insurance if it was affordable. How long did it take them to figure THAT out? Needless to say, now California car insurance is cheaper for people who qualify, but there are some downfalls to this program.

California car insurance through this program is only available for one vehicle per household. It also has inadequate coverage, only meeting the state required minimums, and it must be requested through an agent. There are positive outcomes. Now more people have insurance and since they don’t want to lose their house because of inadequate coverage, they may be driving cautiously so they do not cause a crash. Minor damages from low impact accidents are now being covered.

California has thousands of beautiful people concerned about their looks. Celebrities, actors, and models often insure their looks, legs or other limbs for millions in case they lose those attributes, thus losing their jobs. People have claimed in court that their looks are needed for employment and they have won these lawsuits. A simple scratch on a cheek or forehead can cost the at-fault driver thousands and sometimes a million or more dollars. Unbelievable, but true. California car insurance minimum requirements will not even come close to satisfying claims such as these.

Beautiful people like expensive cars. Replacing the chrome alone on a high priced vehicle will exceed the California car insurance state minimums. A simple fender bender could cost $20,000. If you don’t have any assets or you are a multimillionaire, you may not be worried about higher coverage amounts, but if you have a lot of assets such as stocks, a house, or substantial savings that could be relinquished in a lawsuit you may want to increase your liability amounts.

Living in California is great. You have pristine beaches and gorgeous mountains only miles from each other. The jobs are fun and satisfying and the night life is exciting. The views are breathtaking and the soul can be revitalized in hours from the tranquility of the rural areas. There is something for everyone in California. California has it all. Make sure you don’t get it all taken because you didn’t have enough California car insurance liability coverage.

By: Mary Duares