Smart advice for smarter coverage - Page 16

Michigan has a no fault insurance law which has opened itself up to many fraudulent car insurance claims. Politicians have been trying for years to pass legislation that will help to resolve the issue. In June, the state passed something called HB 5701. This piece of legislation is one in which there would be something […]

There are many high risk drivers on the road today. Some of these people include the following: drivers who are under the age of 25, people who have been involved in multiple car accidents, drivers who have been found guilty of a DUI offense, and those who have driven without car insurance coverage. It can […]

Car thieves have been striking a lot in the state of Oregon. Most people think of Oregon as a nice state to live in but it is also having issues with car thefts of two particular models of vehicle. These vehicles are the 1992 Accord and the 1998 Civic. Most people would think that driving […]

Safety features have come a long way since archaic braking systems of turn of the century automobiles. Although today’s cars look smaller and are mainly lighter, they are now safer than ever.  From tires to child restraint systems, vehicle manufacturers are constantly improving the safety of vehicles. Tires aren’t just rubber full of air. Steel […]

The federal government now has new mandates for the fuel efficiency of vehicles. By 2025 the average fuel economy will have to be 54.5 miles per gallon, an astonishing number compared to a 10 mile per gallon Cadillac in the 70’s. Currently there are still some pretty poor performers for fuel efficiency still being sold […]

Millions of parents across the United States have teen drivers. It can be tough for most parents to take their child down to their local DMV location and allow them to take their driver’s license examination. Many parents fear this day because adding a teen driver to your car insurance policy will make your car […]

Imagine watching helplessly as floodwaters flow down your street and swamp your car up to the roofline. If you have had the unfortunate luck to have your car flood you know just how devastating it can be. Structure and engine damage can take months to fix and in many cases the car will be totaled. […]

A recent decision handed down by the Colorado Appeals court highlighted a case that auto insurers rarely come across, a policyholder who was pursuing compensation for an incident of road rage that happened outside of their car. Chanson Roque and Shannon Isenhour brought the case against their insurer after Richard Terlingen injured them. They were […]

Many states have a hard time dealing with the fact that so many of their drivers are driving while uninsured. A majority of the states have already mandated that drivers have minimum liability insurance coverage but these laws are hard to enforce because most drivers who do not have insurance coverage are not caught until […]

Imagine that your child just graduated from college and despite their expensive new degree they are unable to find a job. They move back in with you, and are still driving your cars. They have to be insured so you call your insurance agent with the following question:  Just how long can I keep a […]

Irresponsible spending can negatively affect a person’s credit score and impact the ability to obtain financing, find a place to live or even land a job in the future. One consequence of credit problems that many people are not aware of is the fact that a bad credit score can mean paying significantly more for […]

Car theft is something that impacts drivers in all of the 50 states. There are ten cities that have more instances of car thefts than others. The number one worst city for car theft is Fresno, California according to a recent report from the National Insurance Crime Bureau. The city has more than 7,600 car […]

Regardless of weather conditions, parents worry about their kids when they start driving, but winter weather can pose hazards that can increase the likelihood of accidents for inexperienced drivers. If you live in an area with extreme winter weather, there are measures you can take to keep your teen driver safer on the road.  Here […]

Most drivers have not read their insurance policy documents in full. It is important to do so because not having the right information could end up costing you money. Each car insurance company has different guidelines for what is covered and what is not when they underwrite their car insurance policies. Even if you have […]

Employers whose workers drive on work-related errands are often confused about liability issues.  For instance, if an employee goes to buy office supplies in his own car and takes a detour afterwards to visit a friend and hits a pedestrian, are you liable for damages?  You might be surprised to find out that the answer […]

One issue many drivers face is the fact that they have accrued insurance points. Drivers receive surcharges for insurance related infractions. For example, if you have been involved in a car accident then you will receive insurance points. These points are slightly different than the ones that drivers receive on their driver’s license from the […]

The economy in the United States leaves a lot to be desired for many drivers right now. Many men and women live paycheck to paycheck which means that they need to minimize their car related expenses. One problem many drivers face is the rising cost of gas. Most states charge more than $3.00 per gallon […]

Almost half of all marriages in the United States today will end in the couples splitting up and getting divorced. One unforeseen complication for many divorcing couples has to do with their car insurance coverage. Many people who are married to each other own their vehicles together jointly. When a divorce happens, it can be […]

Car insurance premiums in Florida could drop by 14 to 24.6 percent thanks to changes in the state’s Personal Injury Protection regulations a recent report predicted. Unfortunately, insurers cautioned consumers that other costs could offset those savings and state regulators warned that overall rates may not decline at all. The intent of the new law […]

Many first time car insurance buyers are confused when they go to buy car insurance coverage. It is important for these individuals to have some basic advice so that they can make wise insurance purchasing decisions. It is a good idea for younger drivers to have been covered by their parents car insurance coverage before […]

The Tennessee Supreme court recently ruled that the emotional distress of Jerry and Martha Garrison following the death of their son Michael was not covered under the uninsured motorist part of their State Farm bodily injury coverage. The Supreme Court upheld the District Court of Appeals ruling which declared that Tennessee’s mandatory bodily injury coverage […]

If you are hoping to save money on your car insurance, don’t move to Michigan. The 26th state has the most expensive insurance rates in the nation according to a recent survey. Michigan drivers pay the highest percentage of their income towards auto insurance in the country, a whopping 8 percent. Here is a quick […]

Being a parent can be a thankless job. With the economy being in a bad way, many teens are unable to get jobs. This means that often parents are the ones to buy their kids their first cars so that they can try to use the car to be able to get to job interviews. […]

Renting and leasing vehicles are common practice by individuals nowadays, lease a nicer car to save on car payments, and be able to put les money down. Renting a car is done by millions of people every day for one reason or another. The important thing is to know you have adequate insurance coverage or […]