Posts Tagged ‘car insurance’

Safety Feature in Car’s

Tuesday, March 3rd, 2009
No matter how safe your automobile is you should make sure you have the best auto insurance your budget can afford.   

There are safety measures to take if you have air bags. Airbags are meant to save lives, but if you are too close to them when they deploy it can do the opposite. Air bags deploy very rapidly so be sure you seat back from the air bag and use a safety belt to minimize injury .

Rollover prevention is another safety measure being used by car makers. They have devolved roll over air bags, variable Ride-Height and electronic stability control. Tire pressure, loading of vehicle, improper maneuvering and panic steering are all common causes of a roll over.

Under deflated tires and overloaded tires is a leading cause for tire failure. You should check your tire pressure once a month. You also should check the tires condition once a month. Tires can turn a nice day out with the family into a tragedy if they fail.

Every year new cars are given safety ratings. If you are looking for the best rated cars for safety rely on these ratings for help. They test many aspects of driving safety such as all these safety issue we have talked about. Get Texas Car Insurance Quotes online !

If it is homewoners insurance you are needing click this link.

 

The Costly Risk of Driving Uninsured

Thursday, January 15th, 2009

The costly risks of driving uninsured 

In most states the lien holders will demand you carry coverage for the vehicle you drive so they are not at a loss if the vehicle should be damaged in an accident. If you own your car you are not recommended to carry Comprehensive coverage for your vehicle, but it is recommended to protect yourself.

The penalties for not having insurance in the State of Texas are clear. First Time offenders will receive fines up to $350. Depending on the County your vehicle can be towed. The fines can double and triple on 2nd and 3rd offenses. And a 3rd offense could also mean a license suspension.

“Failure to maintain financial responsibility” will require you to pay a surcharge for up to 3 years to the State of Texas for the violation. What this means is you will have to pay an additional fine every year for 3 years. These are very expensive fines.

Texas works with a point system which tracks all of your driving history and calculates it to weed out bad drivers. Too many points you lose your license. In turn you pay higher surcharges and your insurance rates could skyrocket. So as you can see it is very smart to maintain automobile insurance for multiple reasons.

Auto Insurance Minimums

Wednesday, January 14th, 2009

Auto Insurance Minimums 

Driving in many States without auto insurance can cost you hundreds of dollars. In Texas particularly it can also cost you time off work, your license and even jail time. Before you can even register your car with the State of Texas you must have proof of insurance.

Auto insurance pays for damage and medical expenses due to an automobile accident. Each state has minimums of what coverage you must have on each vehicle. Texas says you must have at least a 25/50/25.

They say you must carry at least $25000 in coverage for bodily injury or death to one person per accident.

$50000 for two persons. And last but not least, $25000 to damage or destruction to property per accident. Adding coverage to protect yourself is up to you.

The amount the states require will not protect you if you are found to be at fault. Many insurance companies recommend higher limits to protect you. If the accident is settled at a much higher cost then what you have coverage for you are still responsible for payment out of your pocket.

Things to do after an accident

Monday, March 10th, 2008

There are 9 important things you should do after you have been in a car accident. If you have been hurt in an auto accident make sure you follow the nine steps below so you get the time, money, and energy you need to get you back on your feet.

  1. Visit a doctor as soon as possible, if you have not already. It is very important that you see the right type of doctor. Your family physician may not give you the treatment you need. Don’t wait any longer about being seen. The longer you wait the more of a hassle you are going to get from your car insurance company.
  2. Make sure you choose your doctor carefully. Try to find one that specializes in patients who have been injured in an accident.
  3. If you have been prescribed to several weeks of physical therapy or other type of treatment, make sure you attend all appointments. If you quit going, this is just another reason your Car Insurance company can try to hassle you.
  4. Remember your Car Insurance adjuster is NOT your friend, no matter how nice they are to you. They are  goin to try to get you to settle on their terms, and not necissarily what you need to pay your bills and your time off of work.
  5. You may be eligible for many types of reimbursements from your  Car Insurance company. See which ones you qualify for, and don’t take “no” for an answer when trying to settle. Here are some things you might be eligible for:
    1. Medical expenses
    2. Loss of wages
    3. Pain and suffering
    4. Permanent Impairment
    5. Disfigurement
    6. Damage to your vehicle Get a free Quote!
  6. Make sure you watch what you say when you are speaking with your Car Insurance company or adjuster. The slightest comment or remark you make, can and will hurt you in the long run. This can also lead to a large decrease in the settlement you get.
  7. You will probably have better luck getting the money you need for your repairs to your vehicle. You may have a harder time getting the expenses taken care of for your personal injuries.
  8. Remember the Car Insurance adjuster are full of tricks and will pull them on you if you are not prepared or careful. Don’t let them talk you out of getting a lawyer if you think or want to hire one.
  9. Not all accident lawyers are the same. Some may not have the experience you want, the time to personally review your case, are not skill in fighting for what you deserve, never even worked for an auto insurance company before! Get the help you deserve!