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Tacoma Car Insurance and Other No’s

Written by Michele Wilmonen. Posted in Research Last Updated: 08/23/2014

No driving without Tacoma car insurance is just one of the many no’s that drivers must know.

tacoma car insurance

No Tacoma car insurance = No driving

Traffic laws are meant to keep us safe, just like our parents did when we were kids. And when we did something we weren’t supposed that could put us in danger we were told no.

Even though we are adults now, things haven’t changed much. We still get told no that we can’t do things, especially behind the wheel of our vehicles that could put us in danger. Here are just a small number of the things in Tacoma drivers get told “no” they can’t do.

No Cruising

Tacoma seems to have cracked down on cruising, for the sake of citizen and traffic safety. Per the City of Tacoma municipal code:

  • You are not allowed to drive past a traffic control point in a no-cruising area more than twice within a two-hour period.
  • If you are caught cruising, and are not an emergency vehicle, taxicab, bus or other business vehicle, you will receive a traffic fine of up to $500 for the first time and up to $700 for any time following that.

No Avoiding The Cops

Think that you can get away with breaking a traffic law just because there is no police officer around? Think again.

The City of Tacoma has automated traffic safety cameras installed all over to detect when a traffic violation is occurring.  These cameras can capture:

  • Railroad crossing violations
  • School speed zone violations
  • Speed zone violations
  • Stop light infractions

When you are captured on camera breaking a traffic law, you will be sent a ticket in the mail within 14 days.

No Driving Without Tacoma Car Insurance

While the above traffic laws and procedures are city level issues, Tacoma car insurance laws are actually state level. The State of Washington is who makes all of the car insurance laws for drivers in the state, which are then enforced by law enforcement on all levels, including City of Tacoma police officers.

To prevent yourself from getting in trouble with any of these law enforcement agencies, always make sure that you are carrying at least the minimum required amount of Tacoma car insurance. If you aren’t sure what those minimum requirements are, we have provided the basics for you:

  1. $25,000 for injuries or death to another person
  2. $50,000 for injuries or death to all other people
  3. $10,000 for damage to another person’s property

For more information on the required coverages you need to have to drive and the coverages you need to be fully protected, contact your Tacoma car insurance agent today.

Details of Fayetteville Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 08/17/2014

Every wonder what is really covered under that required Fayetteville Car Insurance?

Fayetteville car insurance

Just because you have to purchase Fayetteville car insurance, doesn’t mean that you shouldn’t know what you are buying.

All drivers know that they are required to carry liability coverage on the Fayetteville car insurance in order to be able to drive. This requirement was created by the State of North Carolina and is required of every driver in the state, no matter where they live in the state.

However, even though drivers know that it is a requirement, most of them have no idea what these coverages actually take care of if they were to ever cause an accident.

Bodily Injury Coverage of Fayetteville Car Insurance

The required bodily injury liability coverage only pays for damages to other people that were not in your vehicle at the time of an accident that was your fault. This coverage pays for medical bills, funeral expenses, disability payments, lost wages, rehab treatments (physical therapy, etc.), pain and suffering settlements, legal expenses, and law suits.

Property Damage Coverage of Fayetteville Car Insurance

Property damage liability coverage pays for damages that you cause to another person’s property. This can include a vehicle, a home, a yard, or even traffic devices and equipment owned and maintained by a government entity (stop signs, guardrails, etc.). This coverage will pay to repair the damage you have done, or if it cannot be repaired then actual cash value will be offered for the item.

Supplementary Payments of Fayetteville Car Insurance

Supplementary payments are payments that are made in addition to the above coverages. Your agent can give you the details of your policy’s specific limits for these coverage and any exclusions that may apply.

These supplementary payments can include:

  1. Emergency first aid administered to others at the scene of the accident
  2. Bail bonds
  3. The premiums on appeal bonds and bonds to release attachments
  4. Loss of wages due to attending hearings and trials at the insurance company’s request
  5. Other reasonable expenses accrued due to the insurance company’s request

Please take note that these items that are paid out by your insurance company are just about always for someone else other than you. If you want your interests protected also, talk to your Fayetteville car insurance agent about what other coverages you need on your vehicle to protect yourself.

(Source: ncdoi.com)

How Much Car Insurance Do You Need?

Written by Michele Wilmonen. Posted in Research Last Updated: 08/09/2014

State required car insurance limits are hardly ever enough.

When purchasing car insurance there are usually two groups of people. The first group just wants the bare minimum that they can get away with to be able to legally drive in their state. The second group wants to know how much car insurance coverage they really need to be protected financially if they ever are in a car accident.

For those that are in the second group, here is a great infographic from Bankrate.com to give you an idea where to start. Before you choose your own car insurance cover limits though, always consult your car insurance agent first.

how-much-car-insurance

How Auto Insurance Compares

Written by Michele Wilmonen. Posted in Research Last Updated: 08/03/2014

You may be surprised to learn that auto insurance doesn’t account for as much of your expenses as you think.

It is no secret that people don’t like paying for car insurance.  They are forced to purchase it, and unless they get into an accident it’s something that is paid for but is never used.

In the past we have talked extensively about how important it is to have car insurance, so we won’t cover that again today. Instead, we found this interesting graphic from Answer Financial that shows just how much of your income that auto insurance really uses, compared to other expenses in your life.

Yes, the numbers are from 2010, but the comparison still holds true today.

how auto insurance compares

 

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.