How Good Lawyers Help Insurance Rates

lawyers-insurance-ratesLawyers can help your insurance rates in a number of ways. Suppose you were involved in an accident that was not your fault. It was reported to your insurance company in the normal course of procedure. Your insurance company is being required to pay a portion of the damages and as such raises your rates.

A lawyer could have stepped in and gone against the insurance company of the driver at fault, so your company would not be required to pay anything and therefore would not affect your insurance.

If you get a ticket for speeding, a lawyer may be able to have the ticket reduced if not totally wiped out, something we can not accomplish by ourselves. If you are charged with driving under the influence or any other much more serious charge, your insurance rate could raise exponentially. Here is where a lawyer can really help you; a lawyer can successfully have your charges minimized. Having those charges reduced can have a very strong positive influence on what your insurance company decides to change your insurance to. It could have a difference between your being listed as normal or high risk.

If you have an issue where your insurance company is involved, it’s a good idea to consult an attorney and find out if there is reason to engage his or her services.

5 Worst States For DUI’s Based On Auto Insurance Cost

duiTexas has the absolute highest DUI ratings. This is not averaged by population but just by DUI convictions. This is of note since Texas has about two thirds the population of California. Texas had the opportunity to not only have sobriety checkpoints and to mandate ignition interlocks for all convicted drunk drivers, however they did not implement it.

California is high up on the list of DUI ratings, they had a chance to control that by voting positively on a bill requiring ignition interlocks for all convicted drunk rivers, unfortunately this bill did not pass and California will continue to rank highly in a very undesirable list.

South Carolina has stayed consistently on the top five DUI states, a dubious honor I’m sure the state would rather not have. South Carolina is known for having the worse drunk driving laws in the country and the ones in place are for the most part ineffectual. It seems defense attorneys in the legislature defeat any reform to the current laws. North Carolina rates in the lowest occurances.

Wisconsin actually had their DUI fatalities increase over the last year, that is no surprise when the first offense for drunk driving is met with a simple civil infraction. As long as the state treats this problem with frivolous laws, they will remain on this list and may in all likelihood climb up into higher positions.

Montana rounds out the top five, though Montana’s DUI rates have dropped down over the years, it is still within the top five worst states for DUI.

What Can Increase Insurance Rates?

bad-habits-increase-insuranceIf you drive, you’ll want to be insured and in some states, it is compulsory. Before you choose your auto insurance provider, you should be knowledgeable in what the coverage is. Some things that are included in one policy might be an option in another and the sales representative isn’t likely to point that out to you. Once such item is uninsured motorist, if you pick a policy that doesn’t have this and you don’t know it’s on the options list, you will badly miss it if you are hit by an uninsured driver.

With that said, there are many things that will affect your insurance rates, some of them you have control over and others you may not. Your location and zip code has an affect on your coverage cost before any personal statistics come into affect (due to accident statistics for the area and the propensity for certain natural disasters). It is a common misconception that if you don’t get a ticket, it doesn’t go on your record. If you get multiple warnings for speeding, it may not affect your current policy, however if you look to move to a different provider they may come into play.

Getting married can have a positive affect on your policy costs, provided your spouse also has a good driving record, being married shows acceptance of responsibility. Having children should not affect your insurance rates until they become driving age.

If you have made multiple claims, be they for accidents, vandalism or theft, your insurance rates will increase. If your credit score is low, insurance companies will use this as a reason to raise your rates, considering it irresponsibility.

Mexican Auto Insurance – Nessicito?

mexican-auto-insuranceIf you intend to take your car into Mexico, there are many things you need to know. The driving situations are completely different in Mexico from what you are used to here. You need to be very alert for animals and vehicles maneuvering unpredictably, you also need to be aware of the unique law system and be aware of possibility of being intercepted by bandidos (which is rather rare these days). You will need to know about Mexico car insurance and about vehicle permits and tourist cards.

There are many rumors about Mexico that are true, including going to jail if you are involved in an automobile wreck. As far as insurance, you will minimally need civil liability insurance, it covers you in the event your actions cause injury or damage. It is important to realize that your American liability insurance is not valid in Mexico.

If you do decide to rent a car in Mexico, do not count on the Mexican insurance offered by your credit card company, you will do yourself a favor by buying Mexican insurance from a company that specializes in it. If you go with your credit card insurance and you get in an accident, the Mexican government will not let you leave until you pay in full for the damage and credit card insurance is set up to reimburse you when you return home, not pay the bill. In purchasing your Mexico auto insurance you again need to make sure you know exactly what you’re getting for the amount you are paying and you want to go with a reputable company.

Rental Car Insurance: Double Covered?

rental-car-insuranceWhen you go to the rental car counter, you will be asked many questions; what rental tier would you like, how long will you have it for, is this local or one way, etc., but the question a large number of us say yes to when we don’t have to is; do you want to purchase insurance on your rental. Generally your standard insurance will not only cover the vehicle against accidents, they also protect against theft of the vehicle.

If you’re planning on renting a vehicle, it might be a good idea to check with not only your insurance agent but also your credit card company. Credit card companies often have coverage for a rental vehicle rented using their card.

If you do find that your standard insurance policy doesn’t include insurance of a rental vehicle, you will want to know exactly what your coverage is through the rental company. There are many different policy options that could add up to forty dollars a day. This is a very popular way for rental car companies to make extra money on each rental. Liability insurance is the most common of all insurances charged by rental companies that for the most part are completely unnecessary.

If you’re standing at the counter to rent a vehicle, don’t allow yourself to feel pressured into buying what you don’t understand, just because there are people waiting behind you. Make sure you know exactly what you are buying and whether or not you truly need to buy it.

SR-22 In California. Long Years Of Inflated Premiums

sr-22-californiaThe SR22 is a form filed with the state of California by an insurance company at the request of the insured. This form is a requirement of the state when a driver is cited not having the appropriate insurance as required by law. Basically if a policy should expire, cancel or not renew for any reason and is not immediately replaced with no time lapse, an SR22 has to be filed with the state showing the driver currently covered by insurance. This type of form can also be required for other traffic violations such as driving under the influence or other serious violations that involve negligence or serious life endangerment.

California has long been known for inflated premiums in comparison to many other states. As an example, insurance companies based their rates on zip codes, having a large variation for the same driver in different zip codes. The SR-22 is no different, The if you were unfortunate enough to let your insurance lapse and needed an SR-22, then you have experienced the long years of higher premiums coupled with the fact that your insurance company has not only the ability but the responsibility of informing the state if you lapse at any time for any length of time on your premiums.

If your need for the SR-22 is based on DUIs or another major infraction, you can expect to pay even more and in this case you might need to go to a company that specializes in SR-22 insurance.

Dealing With Insurance Agents Is Easy.

insurance-agentsInteracting with an insurance agent is easily as long as you know what the agent requires. If you are filing a claim, you will obviously need proof of that claim. That proof will come from three different places. Your report, the other driver’s report and the police report, also, if there are any witnesses to the accident, their information will also be of consideration. An insurance adjuster would be assigned to come out and estimate your claim and the insurance company sends you a check that covers the cost of repairs.

When you are involved in an accident, you will need to collect all the information possible, including the driver of the other vehicle’s name, address, phone number, license number, driver’s license number and insurance information. Make sure you get a copy of the police report, or take down the number of the police report so you can obtain it later. In some areas, the police may resist filing an accident report, if this is the case, insist that they take the accident report, if they still resist, then ask for an incident report. You need a report from them in order to file your insurance claim.

If the other party is responsible for the accident, you still want to report it to your own insurance company, they are much better equipped to make sure the other carrier will cover any repairs, damage or bodily injury you were subjected to. Check with your insurance company before you do anything or talk to anyone, this will make them much easier to get along with as you will make their job easier.

Vandalism And Property Theft: Which Policy Protects My Ipod?

auto-insurance-ipodA standard automobile insurance policy does not cover personal property stolen from a vehicle. The definition of personal property located in the vehicle would be property that is not permanently installed in the vehicle. That means that an iPod would be classified as personal property. If you are likely to be carrying large amount of electronics, or you constantly carry electronic devices, you may want to talk to your insurance agent.

Some states offer the option to include these types of devices in your standard automobile insurance policy. If you do not live in a state which supports this type of automobile insurance policy rider, you may want to contact the insurance company that handles your renters insurance, condo or homeowners insurance. You’ll want to get an understanding on which one of your policies covers your electronics that you often transport in your vehicle.

If you do not clarify this, you may find that it has been stolen with no insurance at all available to replace it. Your laptop computer, and your portable gps electronics are also in the same classification as your iPod. It is best to positively identify where your insurance coverage relates as pertaining to these machines.

What To Do After An Accident: 5 Imperative Steps.

steps-after-accidentThe first thing you will want to do after an accident is to take some deep breaths, try to relax yourself and stay calm. Your reactions can influence other’s reactions and could escalate an already stressful situation. Someone needs to be able to take charge in order to make sure everyone is okay, get emergency vehicles on their way if need be and to get a general assessment of the damage done. If you have a camera, you’ll want to get pictures of the accident location, the damage done and the disposition of the vehicles involved.

Next you will want to file an accident report with the local police department. Different states have different damage level requirements for police reports. If you are in doubt, file a police report; don’t leave the accident scene without having given police a full report.

Do not discuss the accident with anyone but the police at the scene, when you are talking to the police, do not admit to any fault or liability, only the facts of the accident itself as they happened. In an accident, you are likely to be somewhat shook up, you may not remember things in order or correctly, police are trained to be able to deduce the course of the accident by investigation.

Acquire the name, address, and phone number of everyone of everyone involved in the accident; also get the full insurance information of the driver of the other vehicle. If you are a passenger in either vehicle, you will want the full information on both drivers in case you suffered injury.

Call your agent immediately and give them all the information you collected. By doing this you may save valuable time in processing your claim.

The Best Liability Policy Limits

best-liability-policyStates do have their minimum amount requirement for insurance, however; that amount is generally considered insufficient to cover realistic damages that occur in an accident, both bodily injury and property damage. Insurance companies are more inclined to suggest more complete coverage of 100/300/100. meaning; 100,000, 300,000 and 100,000.

Injury treatment tends to be very similar in cost throughout the states, as such, you will want to take more into consideration your driving habits and record when procuring your automobile insurance. If you are in an area where property damage could easily overrun your limits, you may want to reconsider your limits so you can be sure you are fully covered (for instance in some areas, landscape alone could have a value over your limit). You will also want to take into consideration your own ability to cover any of the bodily injury or property damage overages that might occur.

When you are considering your coverage amounts, you will also want to be sure you are covered for uninsured motorist. Some policies automatically contain it and others don’t, this will help in determination as to which policy best fits all of your needs.

Some companies offer accident forgiveness, this feature can add more to your coverage cost, but if you seem to be somewhat prone to accidents, this may be a very viable coverage option for you. Another thing to prepare for and look into if you have children is the ‘good student’ discount. If your son or daughter has a ‘B’ or above average, you may get anywhere between a five and twenty-five percent discount, just another good reason to support your child in school.