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Teen Driving and Columbus Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 09/14/2014

New Georgia driving laws are doing more to protect teen drivers and Columbus car insurance is there just in case it isn’t enough.

Columbus car insurance

Being able to drive for the first time is exciting, just make sure that you have enough Columbus car insurance for the not so exciting times.

“Motor vehicle crashes are the leading cause of death of 15 to 20-year olds. In 2005, 136 Young Drivers (Ages 15-20) were killed and an additional 193 others killed as a result of a crash involving a driver (Ages 15-20) in Georgia. In 2008, 3,500 15- to 20-year old drivers were killed and an additional 350,000 were injured in motor vehicle crashes nationally.” (Georgia Department of Driver Services)

Being the parent of a new teen driver is stressful enough without knowing the above statistics. But, parents can rest a little easier knowing that the State of Georgia is trying to do their part in helping to decrease the number of teens that are in both fatal and non-fatal accidents.

Teen Driving Learning Requirement’s

Under Joshua’s Law, if a driver is 16 and wants their driver’s license they have to:

  • Complete Driver’s Ed
  • Complete a total of 40 hours of supervised driving
  • Complete at least 6 hours of supervised night driving as part of the 40 total hours

Going to School is Mandatory

For all teens that are under 18, school attendance is mandatory if they want their driver’s license. In fact, it is required that you have good school attendance for the entire academic year before you are even allowed to apply for a driver’s permit or a license.

To be able to get and keep your license, while under 18, you cannot:

  1. Drop out of school for more than 10 consecutive days
  2. Have ten or more unexcused absences

Teenage & Adult Driver Responsibility Act

The Teenage & Adult Driver Responsibility Act is basically a graduated driver’s license. It has 3 steps that allow the teen driver to be able to learn how to drive at a safe and slower pace, with each step granted more and more driving freedom.

For the exact details of each step and what is required of the new driver at each level, visit http://www.dds.ga.gov/teens/index.aspx.

Columbus Car Insurance

Normally a teen driver who has a permit is not required to be listed on the family Columbus car insurance policy. However, it is always best to check with your car insurance agent for your insurance company’s requirements.

With a teen driver, it is also best to have more than the minimum insurance requirements of 25/50/25 that Georgia requires all insurance policies to have. Again, talk to your Columbus car insurance agent about what coverages you need to protect yourself and the new young driver in the house.

Don’t Let Columbus Car Insurance Fool You

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/06/2014

Minimum Columbus car insurance doesn’t do enough to really protect you.

columbus car insurance

Make sure you have enough Columbus car insurance to bridge the gap between an accident and the insurance company paying all the expenses.

The State of Ohio created car insurance laws to protect the drivers in their state. The most prominent car insurance laws are the ones that require all registered vehicle owners to purchase a minimum amount of Columbus car insurance. Unfortunately, these minimum Columbus car insurance requirements aren’t really enough to fully protect drivers.

Columbus Car Insurance

To be able to drive in Ohio, you have to have the following minimum Columbus car insurance:

  • $25,000 of bodily injury coverage to pay for the injuries you cause to one person
  • $50,000 of bodily injury coverage to pay for all of the medical expenses for two or more injured people in a car accident that you cause
  • $25,000 for property damage that you cause with your vehicle

Not Enough for Bad Injuries

While the required $25,000 in bodily injury liability coverage is good enough to cover minor or medium injuries from a car accident that is your fault, it is not enough. Major injuries or even fatalities from car accidents may not be as common as less serious injuries, however they still do happen.

What if you are the one that caused one of these few fatalities or serious injuries? That $25,000 is nowhere near enough to cover an extended hospital stay, physical therapy, and medication. And if you kill someone, you have all the costs associated with not only the medical care before the death, but also funeral expenses and more.

Going to Court

After you injure someone in a car accident and they have completed their medical treatment, a pain and suffering settlement is usually offered. If this settlement is accepted then the insurance company pays the claimant and the claim is closed. However, if you have already exhausted all of the minimum required liability coverage on your Columbus car insurance, there will be nothing left for a settlement.

This means that the insurance company won’t offer one, and more than likely you will end up in court. Also, if a person dies because of a car accident that you cause, you can almost be sure that the deceased’s family members will take you to court for a wrongful death lawsuit.

In both cases the court and attorney expenses are usually covered by your insurance policy, unless your $25,000 in bodily injury liability coverage has already been used up for the other expenses that usually happen prior to a car accident situation ended up in court. Which means you will have to pay any settlement, court fees, and attorney fees that the court approves in their judgment out of your own pocket.

This is why you need to talk to your Columbus car insurance agent about the amount of coverage you really need to be protected if you cause a car accident.

Steps For After a Car Accident

Written by Michele Wilmonen. Posted in Research Last Updated: 09/06/2014

Essential steps to take after a car accident.

The minutes that follow a car accident are confusing and stressful. It can be hard to remember the important things that you need to do when you are worried about injuries and are emotional that the situation even happened.

To help drivers after an accident, Allstate put together an awesome infographic giving them a list they can follow without having to try and remember what to do. We would recommend printing this out and putting it in your glove box, or saving it on your phone, so that you have it in your vehicle. just in case you need it.

What-to-do-after-a-car-accident

Coming Up Short With Fontana Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 09/06/2014

The state mandated Fontana car insurance requirements fall short on protection.

Fontana car insurance

More money will be leaving your pocket, unless you have the right amount of Fontana car insurance to protect you.

The basic coverages that are required by the State of California for Fontana car insurance fall short of being adequate protection. The only thing that these required Fontana car insurance coverages protect, is other people that you may cause damage to in a car accident. Even then, these coverages are so minimal that you are still more than likely going to end up having to pay for much of the damage out of your own pocket.

Fontana Car Insurance Requirements

The State of California makes it so that insurance requirements are the same for all drivers that have vehicles registered in the state. This means that Fontana car insurance coverage requirements are the same coverages that are required from Yreka to San Diego. These requirements include:

  1. $5,000 in liability property damage coverage
  2. $15,000 in bodily injury liability coverage per person
  3. $30,000 in bodily injury liability coverage for the entire accident if multiple people are injured.

The Need for Additional Fontana Car Insurance

The Fontana car insurance requirements above don’t come anywhere near the amount of insurance that you actually need if you were to get into a car accident. First, if your own car is damaged in an accident the required Fontana car insurance requirements do not cover your vehicle. This is because the coverage that you are required to have is called liability coverage and it only covers the damage that you do to another person’s vehicle.

Second, the limits for the minimal required coverages are nowhere near what it costs to replace or repair a vehicle or pay for the expenses incurred from an injury.

As an example, the minimum in liability coverage that you have to have to Fontana car insurance is only $5,000. If you total another person’s vehicle you will have to pay for the cash value of their vehicle. How many cars on the road today are worth $5,000 or less?

Total an expensive $40,000 vehicle and you only have $5,000 in coverage? You will be responsible for paying the remaining $35,000 out of your own pocket.

So do yourself a favor and contact your Fontana car insurance agent about purchasing more than the minimum amount of coverage that the State of California requires.

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.