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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.

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.

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.

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