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Happy Fourth of July!

Written by Todd Clay. Posted in Research Last Updated: 07/12/2014

All of us at Car Insurance Guidebook wish you a happy and safe Fourth of July.

Fourth of July

Have a great Fourth of July!

Fourth of July is one of the highlights of the summer. The barbeques, getting together with friends and family, and celebrating our nation’s independence with fireworks all make for one fun-filled day. But while you celebrating tomorrow; don’t forget about your safety and the safety of those around you.

Skip the Drinking and Driving This Fourth of July

Between the already increased level of distractions that you face as a driver on this day and the increase in officers patrolling the streets for drunks, this would be a really good day to have a designated driver selected in advance. If you don’t have the luxury of a designated driver, then this would be an excellent day to indulge in non-alcoholic beverages.

Because if you get caught driving drunk or you cause a fatal car accident while you are driving drunk, not only are you going to see higher car insurance premiums you could also be celebrating next Fourth of July in jail.

Fourth of July Road Hazards

As a driver your attention level has to be running on all cylinders while you drive on the Fourth of July because of the increase in road hazards. Between kids running around at barbeques, intoxicated revelers, and people lighting fireworks off in the street you just never know what obstacles you will be met with when you turn the corner.

Stop and Enjoy the Fourth of July Show

Never ever try to drive and watch a fireworks show at the same time, you are just asking for trouble.  Not only is it never a good thing to try and multi-task while you are driving, the element of awe that fireworks have make it impossible to be able to do something else at the same time. And you may quickly find that the driver in front of you is having the same distraction issues when they slam on their brakes while you aren’t paying attention.

So, if you find yourself on the road when the main firework display from your city has started, pull over and just enjoy it. If you can’t stop or you don’t want to stop then roll up the windows, turn up the stereo and keep your eyes on the road to keep yourself and everyone else safe this Fourth of July.

Parading Through Richmond Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 06/27/2014

It’s the season for long drives, parades, and Richmond car insurance.

Richmond car insurance

Keep your summer peaceful, by keeping your Richmond car insurance active.

Road trips and parades are two of the non-food staples of summer. And to keep yourself enjoying both this summer, make sure that you keep both the Richmond car insurance laws and Richmond parade laws in mind.

Forgetting one or the other could lead to you finding yourself without your car for the rest of the summer.

Richmond Parade Laws

With the upcoming summer holidays, it would be good to refresh your memory on the parade laws that Richmond has:

“Sec. 102-509. Public conduct during parades, demonstrations and assemblies.

(a)Interference. No person shall unreasonably hamper, obstruct, impede or interfere with any parade, demonstration or assembly or with any person, vehicle or animal participating or used in a parade, demonstration or assembly for which a written permit has been issued in accordance with the provisions of this article.

(b)Driving through parades. No driver of a vehicle shall drive between the vehicles, persons or animals comprising a parade, demonstration or assembly except when otherwise directed by a police officer. This shall not apply to authorized emergency vehicles such as fire apparatus, ambulances and police vehicles.

(c)Parking on parade, demonstration or assembly route. The chief of police, or his designee, shall have the authority, when reasonably necessary, to prohibit or restrict the parking of vehicles along the public streets or public rights-of-way constituting a part of the route of a parade, demonstration or assembly. The chief of police, or his designee, shall ensure that signs are posted to such effect, and it shall be unlawful for any person to park or leave unattended any vehicle in violation thereof. No person shall be liable for parking on a street unposted in violation of this article.”

(Richmond Municipal Code)

Richmond Car Insurance

The State of Virginia creates the insurance requirements for every city in the state. So the car insurance requirements for your Richmond car insurance are exactly the same as it is for people that live in Norfolk.

These requirements include:

  • Bodily injury/death of one person $25,000
  • Bodily injury/death of two or more persons $50,000
  • Property damage $20,000

If you don’t want to carry insurance, you can always opt for the other option on the Virginia DMV website:

The $500 Uninsured Motor Vehicle (UMV) fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only allows you to drive an uninsured vehicle at your own risk.It expires with your registration and must be paid at renewal.

For more insurance options, talk to your Richmond car insurance agent.

Idaho Basics Include Boise Car Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 06/25/2014

Boise car insurance is one driving basic not to forget.

Boise car insurance

Simple, just like your Boise car insurance requirements.

Idaho is known for its simple lifestyle, low population, and basic way of life. Driving is very basic as to get from one place to the other as most long distance travel is done on a simple highway. From one state line to the other there are few off-ramps to navigate, and even fewer freeways in the state.

The most complicated driving is in the Boise area, and even that isn’t much of a challenge compared to the major cities in other states.

In the spirit of Idaho simplicity, let’s keep it simple today and stick with the basics.

Driving Basics

Just in case you were wondering if the obvious basics are on the Boise law books, they are:

“Section 10-10-07 Passing Vehicles Proceeding in Opposite Direction

Drivers of vehicles proceeding in the opposite directions shall ass each other on the right. Upon roadways having the width for not more than one lane of traffic in each direction, each driver shall give at least one-half (1/2) of the main-traveled portion of the roadway as nearly as possible.” (

Comprehensive Coverage Basics

Idaho is pretty full of wildlife, and even drivers around Boise are aware that sometimes they have to share the road with critters of all sizes. If you end up hitting one of these guys, the basic rule is that it is covered under your comprehensive coverage on your Boise car insurance policy. If you are only carrying the basic Boise car insurance coverage that is required by the State of Idaho, you are going to be paying for the damage out of your pocket.

Also, don’t forget about this little law:

“25-2118. Animals on open range — No duty to keep from highway. No person owning, or controlling the possession of, any domestic animal running on open range, shall have the duty to keep such animal off any highway on such range, and shall not be liable for damage to any vehicle or for injury to any person riding therein, caused by a collision between the vehicle and the animal. “Open range” means all uninclosed lands outside of cities, villages and herd districts, upon which cattle by custom, license, lease, or permit, are grazed or permitted to roam.” (State of Idaho Legislature – Idaho Statutes)

Same coverage rules apply to hitting an animal that is protected under the Open Range law. In some cases, you may even be responsible for reimbursing the owner the value of the animal you hit if it dies.

Boise Car Insurance Basics

Just like with every other state, Idaho requires that you carry car insurance to drive. To meet the legal requirements you must carry the combination of 25/50/15 in liability coverages on your Boise car insurance.

For more information, contact your Boise car insurance agent.

Gilbert Car Insurance Laws

Written by Michele Wilmonen. Posted in Research Last Updated: 06/15/2014

Knowing your way around Gilbert car insurance laws will keep you out of trouble.

Gilbert car insurance

Make sure that you have the correct amount of Gilbert car insurance.

Knowing that you have to have car insurance is not enough. You have to know what proof of coverage that you need to present when asked for it and you have to know exactly how much you are required by law to have. If you just have insurance, but fail to pay attention to the other important aspects of Gilbert car insurance you could still end up in trouble with the state.

How Much Car Insurance Do You Need?

The State of Arizona only requires that you carry 15/30/10 liability limits on your Gilbert car insurance to be able to legally drive. For those that don’t speak insurance, this translates as:

  • $15,000 in liability coverage for the expenses related to the injuries that you cause to another person
  • $30,000 in liability coverage for the expenses related to the injuries that you cause to two or more people.
  • $10,000 in liability coverage for damage you do to another person’s property.

Beyond these coverages, it is up for you and your insurance agent to decide how much insurance coverage you need that will adequately protect you.

Acceptable Gilbert Car Insurance Proof

“In this article, unless the context otherwise requires, “evidence” includes:

1. An original, a photocopy or a copy of a current and valid:

  • (a) Motor vehicle or automobile liability policy that meets the requirements of section 28-4009.
  • (b) Binder or certificate of motor vehicle or automobile liability insurance that meets the requirements of section 28-4009.
  • (c) Certificate of self-insurance issued by the department under article 1 of this chapter.
  • (d) Certificate of deposit that meets the requirements of section 28-4084.
  • (e) Motor vehicle insurance identification card issued by an authorized insurer or an authorized agent of the insurer for a motor vehicle or automobile liability policy that meets the requirements of section 28-4009.
  • (f) Certificate of insurance for a policy that meets the requirements of section 28-4033.

2. Designation of a motor vehicle as owned or leased by this state or any of its political subdivisions according to section 38-538.

3. A display on a wireless communication device of any item listed in paragraph 1 of this section.” (Arizona State Legislature)

Your Gilbert car insurance agent will be able to help make sure that you have the correct coverages and proof.

Reckless with North Las Vegas Car Insurance

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

Reckless driving is a guaranteed way to increase the rates on your North Las Vegas car insurance.


Don’t drive reckless, and you will keep your North Las Vegas car insurance rates lower.

Reckless driving is one of those traffic infractions where there is no question about whether or not your North Las Vegas car insurance premium will increase, because it will. Reckless driving puts yourself, and more importantly, other people in danger.

Not sure what reckless driving is? Here it is spelled out by the City of North Las Vegas.

Reckless Driving

“10.28.010 Reckless driving.

A. Any person who drives any vehicle in wilful or wanton disregard for the safety of persons or property is guilty of reckless driving.

B. “Persons” whose safety is disregarded shall include, without limiting, all occupants of the vehicle which is driven in a wilful or wanton manner including the driver; and “property” shall include, without limiting, the vehicle which is driven in a wilful or wanton manner.”

Intoxicated Reckless Driving

“10.28.020 Driving under the influence of intoxicating liquor.

A. It is unlawful for any person who is under the influence of intoxicating liquor to drive or be in actual physical control of a vehicle within the city.

B. It is unlawful for any person who is a habitual user of, or under the influence of, any controlled substance as defined in Chapter 453 of NRS, or any person who inhales, ingests, applies or otherwise uses any chemical, poison or organic solvent, or any compound or combination of any chemical, poison or organic solvent, to a degree which renders him incapable of safely driving or steering a vehicle, to drive or steer a vehicle within the city. The fact that any person charged with a violation of this subsection is or has been entitled to use such drug under the laws of this state shall not constitute a defense against any charge of violating this subsection.”

Being Reckless Without North Las Vegas Car Insurance

Not only will reckless driving get your higher insurance rates, recklessly driving without North Las Vegas Car insurance will get you higher insurance rates. To keep your future insurance rates down, make sure that you have the following State of Nevada approved coverages:

15 = $15,000 of bodily injury liability coverage for anyone not in your vehicle injured by you while you are driving.

30 = $30,000 also for bodily injury liability coverage, but this is the total that the insurance company will pay out for injuries from a single accident if there are two or more people injured.

10 = $10,000 of property damage liability coverage to pay for any damage you cause to another person’s vehicle.

Carry North Las Vegas car insurance and dive safe out there, for your sake and for others.

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