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Car Insurance Goodies for Easter

Written by Michele Wilmonen. Posted in Research Last Updated: 04/20/2014

Car insurance may not be what you want Easter morning, but its benefits last longer than candy sweetness.

Happy Easter

Happy Easter from Car Insurance Guidebook!

Purchasing car insurance is just like filling an Easter basket full of treats. What goes in the basket depends on not only what is wanted, but also what you can afford. Some Easter baskets are large and full of all types of different goodies, and other basket aren’t quite as full.

And all baskets are tailored to the individual the basket is meant for, just like a driver’s car insurance policy is.

The Basket

All Easter baskets start with a foundation that holds all the goodies together. It can be a traditional basket, a beautiful box, or even a bag that can be used for something else later. It doesn’t matter what it is, all Easter baskets have to have something that holds the rest of the Easter treats.

This is the same with your car insurance policy; the foundation for your car insurance policy is the mandatory car insurance that is required by the state that you live in. These required coverages can take on many different forms from state to state, but for 95% of the drivers in the country these mandatory coverages are required before other car insurance can be added. The required coverages are what hold the rest of the policy together.

The Goodies

Once the basket is all set up, it is time to fill it with goodies. This could be different candies, toys, books, trinkets, bath and body items, or whatever fits the recipient of the basket.

With your car insurance basket, once the required minimum coverages are set it is time to select the other insurance coverages that fit your lifestyle and budget. You could fill your car insurance basket with coverages for your vehicle (comprehensive and collision coverage), rental car coverage, medical payments coverage, personal injury protection coverage, towing coverage, GAP coverage, and whatever else your insurance company offers.

If you aren’t sure what to put in your car insurance policy, that’s what your insurance agent is for.  They can help guide you to put in the coverages that you need for your situation, so don’t hesitate to contact them.

Car Insurance Goes Back to Basics?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/17/2014

Q: I have heard that Bear River Mutual coverage limits default to the state minimum when you have an accident? Is there any truth in that claim?

A: That sounds highly illegal to me. An insurance company cannot change your auto insurance coverages without your consent, except in regards to your insurance premium.

In my experience though, an insurance company will jack up your premium or drop you completely before they would decrease your coverage. First of all, they are going to want to recoup the money they just paid out for your claim, so by keeping you at your current coverage level and increasing your premium they will make that money back faster than if they were to decrease your coverages with a lower premium. Second, if you really messed up and they are afraid of you doing it again, they aren’t going to want to keep you around at all and will just give you the boot out the door.

If there are any changes to your insurance premium or policy, most states have strict timelines that the insurance companies have to follow so that you have plenty of notice of any upcoming changes.

Avoiding Hialeah Car Insurance Fraud

Written by Todd Clay. Posted in Research Last Updated: 04/12/2014

hialeah car insurance

Criminals that commit Hialeah car insurance fraud lay in wait for their next victim, just like an alligator.

The increase behind your Hialeah car insurance premium may not be from what you think.

Florida is one of the few states where you are required to carry car insurance that protects both you and the other driver. In most other states, they only require you to carry car insurance that pays for the medical bills, injuries, and damages that you cause to another person.

Florida’s unique requirements of switching that up came not from wanting to be different from other states, but from the increased amount of staged accidents and fraudulent injury claims that were designed to get money from the car insurance companies.

Now you may think that this is not your problem, but that this is the insurance company’s problem, right?

White Collar Crime against Your Hialeah Car Insurance

A white collar crime is a crime that is committed against a corporation. Many people look the other way when this type of crime is committed because they feel that it is not harming a specific person. This is the type of crime that car insurance fraud is categorized as.

Unfortunately, this way of thinking about car insurance fraud is flawed because it does hurt a specific person – YOU. Car insurance companies are in the business of making, not losing, money. And just like any other business, if they are losing profits due to one area of the business not doing well they are going to increase the price of their product to compensate for it.

Put in simpler terms, the more insurance companies pay out in fraudulent claims, the higher your Hialeah car insurance premiums will go. This is why the State of Florida claims they stepped in.

Hialeah Car Insurance Coverage

January 2013 is when it became mandatory that Florida drivers have the following car insurance coverage:

  • $10,000 personal injury protection (PIP)
  • $10,000 property damage liability (PDL)

The PIP is to pay for your injuries, regardless of who was at fault for the accident, and the PDL pays for the other person’s damages that you cause.

Prior to January 2013, drivers were required to carry coverage to pay for the damages to the other person’s vehicle and the injuries that the other person sustained.

Under the old required coverages, criminals were staging accidents and then would claim fake injuries or were working with medical providers that exaggerated the treatments being provided for claimed injuries. After the insurance companies paid out on the claim, everyone involved would split the money.

Did the New Hialeah Car Insurance Requirements Help?

The jury it still out on whether the change was good or not. Yes, there was a 5% decrease in PIP fraud referrals, but this isn’t earth shattering. There was also a 31% increase in arrests and a 25% increase in convictions, but these statistics could be from the state cracking down harder on this crime and not from the change in the insurance law (Florida Department of Financial Services – Division of Insurance Fraud).

Also the changes to the law didn’t stop the crime; it only changed how it was done. So now instead of staging accidents to make it look like the victim caused the accident, criminals are now hitting each other and making the fraudulent claims on their own insurance policies.

What can you do about it? You can report insurance fraud to the authorities whenever you suspect something is not right with an accident you see. You can also shop around for your Hialeah car insurance to make sure you are getting the lowest rates you can, just in case your insurance company is passing on more than a fair share of price increases from fraudulent claims.

Money, Education, and Glendale Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 04/12/2014

Being educated about traffic laws and how much Glendale car insurance you need to legally drive will help keep money in your pocket.

glendale car insurance

Don’t let your knowledge of Glendale car insurance and important traffic laws get outdated.

None of us like to give up money to the government, whether it is in the form of taxes, fines, or otherwise. Now, there isn’t anything we can help you with in regards to taxes. However, we can help you save some money in connection to driving.

Saving on Glendale Car Insurance

You don’t need to purchase every car insurance coverage that your agent suggests to be able to drive in Arizona. The State of Arizona actually only requires that you carry the following if you want to drive:

  • $15,000 bodily-injury liability for one person and $30,000 for two or more people
  • $10,000 property-damage liability

While this is not a lot of coverage and it pays nothing towards any injuries that you may have or any damages to your vehicle, it will save you money every month.

Children are Priceless Packages Classes

If you get a ticket for not having your young one properly secured in your vehicle, in Arizona you can avoid paying the fine for the ticket if you educate yourself. This education is in the form of a 2-hour class called “Children are Priceless Packages” or CAPP for short.

The class does cost $25 to attend, but will reduce your ticket fine to zero once you complete it.

Defensive Driving School

Defensive Driving School (DDS) is another way that education can help to save you money. DDS is a 4.5 hour class that you can take after you get a traffic citation, to prevent whatever you did to earn a traffic citation from getting on your driving record. It will also make the fine for your traffic offense go away.

You are only eligible to take the class once every 2 years, and the class is not an option if your traffic violation led to an accident that involved a serious death or injury. You are also only allowed to have one violation and its fee removed per class. So if you earned 3 citations, 2 of them will still go on your driving record and you will still have to pay the corresponding fines.

Continuing Education

To keep yourself from getting a traffic violation and having to take the above courses, keep yourself educated with the changes to traffic laws that usually happen every year. Follow up on the details when you hear about traffic law changes in the news, voluntarily educate yourself on child restraints if you are a new parent, and actually browse through the DMV book if it is time to take your driving test again.

Keeping educated is the best way to avoid issues and keep money in your pocket.

Why You Need Garland Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 03/26/2014

Garland car insurance isn’t a government conspiracy.

Garland car insurance

Riding the monorail will be the only way for you to completely avoid car accidents and having to have Garland car insurance.

It may seem that Garland car insurance is just another way of the government stepping in and regulating your life. It may also seem that it is a sly way for them to get more money from you.

However, the Texas lawmakers that made it a requirement for drivers in Garland, Texas to have car insurance did so to protect other people from you. They require that you have at least $30,000 in bodily injury liability coverage for each injured person (up to a total of $60,000 per accident), and $25,000 for property damage liability coverage per accident. All of these coverages are liability coverages.

Liability coverages only pay for the damages that you cause to other people and their property. These required coverages do not cover any injuries in your own vehicle or any damages to your ride.

It’s not a government conspiracy, it’s a law that had to be created because there were most likely too many uninsured drivers causing car accidents and not owning up to their financial responsibility.

Your Garland Car Insurance Protection

Just because the required liability coverage of the Garland car insurance coverage is there more to protect the other guy than you, don’t think it doesn’t do you some good either. Without this required car insurance, you would be responsible for paying all medical bills and damages from your own pocket.

If you refused to pay, you would find yourself in court. The aftermath of which would most likely leave you making monthly payments to the other person or their insurance company for the rest of your life; which could include seeing your wages garnished. And this is just if you don’t have the required Garland car insurance coverages.

If you don’t add more protection to your Garland car insurance policy that includes protection for the injuries in your vehicle and for the damages to your vehicle, those expenses will also come out of your own pocket.

Garland Accident Statistics to Think About

Most drivers don’t think a car accident will ever happen to them, and many of them are right. If you are one of them, congratulations!

Just for fun then, here are some car accident statistics for the City of Garland, Texas.

In 2012, 12 people died in the 11 fatal accidents that happened in Garland. There were also 1,166 accidents that injured 1,803 people that year. All total, Garland, Texas saw 2,739 car accidents in 2012; that’s equivalent to just about 12% of the population (statistics from the Texas Department of Transportation).

Hopefully all of those drivers had their Garland car insurance in place.

Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.