Delaware County Personal Injury Attorney On Delaware County, PA Personal Injury Slip and Falls

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Automobile accidents and fall down cases are the most common types of lawsuit for personal injuries. The legal principles involved with these two types of cases differ greatly. I examine here the hurdles that must be overcome in order to receive fair compensation for injuries suffered as the result of a fall.

Generally, the most difficult problem involves the question of notice. The injured victim must prove that the defendant either created the hazard which caused the injury, or that the defendant knew or should have known of the hazard long enough before the accident to have removed or repaired it.

For example, when a pedestrian trips on a crack in a sidewalk, the P. I. attorney hopes to find someone who lives in the area of the accident who knows that the crack existed for a long time. Or photos may show that the crack was not of recent origin. It is then easy to show that the property owner should have known of it and should have had the crack repaired. The city where the accident happened may also have liability in sidewalk cases for failure to enforce the municipal requirements that sidewalks be kept in good repair. This is particularly important when the property owner carries no insurance on the property. In this situation, the government may be the only defendant against whom a money judgment can be collected. The city becomes the "deep pocket" or "target" defendant.

The next issue that almost always comes up in these cases is the victim's own failure to be careful. This is called "comparative negligence." (See Chapter 9 of the complete book for a discussion of comparative negligence.) Defendants argue that the claimant should have seen the hazard and avoided it. While this argument often reduces the total amount of compensation received, it usually does not defeat the claim outright. There may be valid reasons why the hazard was not seen. For example, when a customer in a grocery store slips on grapes, the customer's attention may have been drawn by a catchy advertisement or display put up by the store. This is a reasonable explanation which, if believed, should enable you to receive full compensation.

A thorough and prompt investigation can make all the difference in the outcome of fall down cases. Witness statements must be obtained and photographs of the hazard must be taken. Even short delays can hurt the case since memories fade rapidly and hazards get repaired quickly when injuries occur.

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How to Find Cheap Delaware Auto Insurance Rates

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You may have to do some searching, but you can find cheap auto insurance in Delaware. The best place to start is at home. Understanding the insurance requirements in Delaware and the types of discounts available will give you ideas on what types of insurance you need and what discounts to ask for. Here are some ideas to help get you started on your search.

The first step to finding a better DE auto insurance rate is understanding your required coverage. In Delaware, you are required to carry liability insurance that provides up to $15,000 for injuries or death to any one person, $30,000 for total injury or death per collision, and $10,000 for property damage. Delaware uses a Tort system which means that the person at fault is charged with the accident and their insurance pays the damages for all parties involved. Delaware also requires PIP (personal injury protection) coverage of $15,000 for one person and $30,000 for all persons involved in an accident. This benefit is paid above the Tort benefits received from the other insurance company if the other driver was at fault.

While strict penalties are in place for uninsured drivers, there are still some on the road. Delaware law does not require uninsured driver insurance, but it does offer valuable protection.

Now, how do you save on your Delaware auto insurance coverage? Once you understand what you need, you need to figure out what discounts you qualify for.

Good Grades Discount - Students that maintain a 3.0 GPA or better are eligible for discounts with some companies.

Defensive Driver - Those who take courses on defensive driving are eligible for discounts from some companies.

Safety Devices - Vehicles that have certain safety devices installed are often eligible for discounts with some companies.

Be sure that you compare Delaware auto insurance quotes from at least 5 different companies in order to find the best rate.

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Vehicle Total Loss - Defend Your Rights and Get the Real Value of Your Car!

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If you have a vehicle total loss, then you will soon learn that insurance companies are not as "consumer friendly" as they claim in T.V. commercials. Everyday we hear horrible stories about people getting offers for their vehicle total loss low as $50. The question usually asked is, is this legal? What is the process of settlement? We have written prior articles on the subject creating a lot of interest, so we decide to do your best to summarize the process and show you how you can protect your rights. A vehicle total loss exists when the value to fix the car is 70, 80, or even 90% of the total value of the car (it depends in your state
law). For example, If the value of your car is $10,000 and if the estimate of repairs reach $7,000 ($8,000, or $9,000 depending in your location), then the car is a total loss.

insurance companies know the value of the car before they are inspecting it. They do not disclose this value to you until the very end, but they have a good understanding of vehicle values. Usually, a third party company hired by the insurance company (usually CCC Information Services Group, Inc will do a preliminary evaluation of your car. They will look at vehicles on your local market to see the value of your car is "going for".

Once they determine the value of the car, they compare it with the repair estimate and they add the rental cost (if they would have to fix it, and you have rental coverage, the insurance company will take that into
account), and determine if there is a vehicle total loss.

At this point, the "real" evaluation of your car begins. The insurance adjuster will inspect your car for prior damage, rust, cleanness, etc. They will also look at equipment, options, and special features. They will
determine if your car is in excellent, normal, average, or below average conditions (or similar terminology). They will re submit that information to CCC (or other third party company) and usually within 24 hours, this company will give a report back with several comps in your local market for a vehicle just like yours.

The insurance adjuster still has the discretionary power to add or subtract certain things, for example, if they believe the car is in exceptional condition, they might add $200 to their offer. If the car has prior
damage, then they will reduce what they believe it is adequate.

Here is where the "negotiation" begins. The vehicle total loss is a negation; however we put it in quotes because it will not appear to be one. The total loss adjuster will give you an offer and tell you that it is a
final offer, then cut the rental car (actually, they will cut the rental car the day they tell you have a vehicle total loss, some jurisdictions allow for three days after that), and tell you that if you do not settle, then they will deduct the value of the salvage of the car (the value your car is worth acraps), and send you whatever is left.

Is that legal? Yeah it is. As long as the offer was within the "range" that CCC (or the third party company) gave, and the rental regulations are within the "state law requirement", insurance companies have the
upper hand. Can you protect yourself? Yes, there are ways to defeat the above situation. You need to ask for the CCC report. This is critical. The insurance companies MUST (not optional) give it to you. They must give you the numbers they are looking at.

You can dispute this report if you believe they are not taking into account things they should be taking into account (your low mileage, for example). It is important to you do not forget about the original estimate of repair. If the insurance company is trying to make the value of your car so low, then ask them if they would fix it. If you can "pin" down what percentage do they use declare a vehicle total loss, then you can use a reverse math approach to argue that they need to fix the car (they will not to do that). The only way to truly win your vehicle total loss is by having all information in front of you. Do not settle until see everything. You will be surprised how many "mistakes" or how many things they "overlook" when
negotiating with you.

See Also : Hipmore Student Loan Blog Buy life insurance

The Different Types of Auto Insurance

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Automobile insurance is expensive and costly to have for your family. But in this world where anything could happen when you're driving, be it your fault or not, insurance is a necessity. But sometimes it can be confusing what types of insurance are out there and how much coverage you and your family will need. What is personal property liability? Do you need comprehensive coverage and personal injury protection insurance? Insurance requirements can differ drastically or insignificantly in each state.

Here are the different types of coverage:

These types of insurance are usually optional in each state and will result in a costlier insurance premium. Most insurance that is optional is put in place as a safe guard for the other possibly uninsured party.

Collision coverage: Collision coverage pays for all the repairs and costs associated with an automobile accident that involves another vehicle or object even if the insurance holder is at fault.



Comprehensive Insurance: Is, well, more comprehensive coverage. This type of insurance will protect the holder if the car has been stolen, struck by natural causes, or damaged illegally.



Bodily injury and personal property insurance is a necessity in every U.S. State.



Personal Injury Protection: insurance policy that, in case of a car accident, pays for medical expenses associated with said car accident. It will cover the insurance holder, passengers, and pedestrians. PIP is required in Michigan, Massachusetts, Maryland, North Dakota, Oregon, Utah, New Jersey, New York, Minnesota, Florida, Hawaii, Kansas, Kentucky, Delaware, and Colorado. PIP is always a good thing to consider since it will cover most medical bills, lost wages, and other expenses even if you were at fault in the accident. When deciding if you need PIP coverage you should look at your health insurance policy in case the coverage overlaps itself. Also consider your driving habits. If you carry passengers in your vehicle on a daily basis, perhaps it's better to have PIP. Check with your state and keep in mind your health and habits when buying insurance that is right for you.



For More Information

If you have been injured in an auto accident in New Jersey, consider talking with a personal injury attorney to protect your rights and assist you in recovering the highest compensation. To learn more about what to do if you are involved in a car accident, please visit the website of the New Jersey personal injury lawyers of Levinson Axelrod today.

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The Different Types of Auto Insurance

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Automobile insurance is expensive and costly to have for your family. But in this world where anything could happen when you're driving, be it your fault or not, insurance is a necessity. But sometimes it can be confusing what types of insurance are out there and how much coverage you and your family will need. What is personal property liability? Do you need comprehensive coverage and personal injury protection insurance? Insurance requirements can differ drastically or insignificantly in each state.

Here are the different types of coverage:

These types of insurance are usually optional in each state and will result in a costlier insurance premium. Most insurance that is optional is put in place as a safe guard for the other possibly uninsured party.

Collision coverage: Collision coverage pays for all the repairs and costs associated with an automobile accident that involves another vehicle or object even if the insurance holder is at fault.



Comprehensive Insurance: Is, well, more comprehensive coverage. This type of insurance will protect the holder if the car has been stolen, struck by natural causes, or damaged illegally.



Bodily injury and personal property insurance is a necessity in every U.S. State.



Personal Injury Protection: insurance policy that, in case of a car accident, pays for medical expenses associated with said car accident. It will cover the insurance holder, passengers, and pedestrians. PIP is required in Michigan, Massachusetts, Maryland, North Dakota, Oregon, Utah, New Jersey, New York, Minnesota, Florida, Hawaii, Kansas, Kentucky, Delaware, and Colorado. PIP is always a good thing to consider since it will cover most medical bills, lost wages, and other expenses even if you were at fault in the accident. When deciding if you need PIP coverage you should look at your health insurance policy in case the coverage overlaps itself. Also consider your driving habits. If you carry passengers in your vehicle on a daily basis, perhaps it's better to have PIP. Check with your state and keep in mind your health and habits when buying insurance that is right for you.



For More Information

If you have been injured in an auto accident in New Jersey, consider talking with a personal injury attorney to protect your rights and assist you in recovering the highest compensation. To learn more about what to do if you are involved in a car accident, please visit the website of the New Jersey personal injury lawyers of Levinson Axelrod today.

Visit : Student Loan Digital Frame The cheapest car insurance

Vehicle Total Loss - Defend Your Rights and Get the Real Value of Your Car!

Image : http://www.flickr.com

If you have a vehicle total loss, then you will soon learn that insurance companies are not as "consumer friendly" as they claim in T.V. commercials. Everyday we hear horrible stories about people getting offers for their vehicle total loss low as $50. The question usually asked is, is this legal? What is the process of settlement? We have written prior articles on the subject creating a lot of interest, so we decide to do your best to summarize the process and show you how you can protect your rights. A vehicle total loss exists when the value to fix the car is 70, 80, or even 90% of the total value of the car (it depends in your state
law). For example, If the value of your car is $10,000 and if the estimate of repairs reach $7,000 ($8,000, or $9,000 depending in your location), then the car is a total loss.

insurance companies know the value of the car before they are inspecting it. They do not disclose this value to you until the very end, but they have a good understanding of vehicle values. Usually, a third party company hired by the insurance company (usually CCC Information Services Group, Inc will do a preliminary evaluation of your car. They will look at vehicles on your local market to see the value of your car is "going for".

Once they determine the value of the car, they compare it with the repair estimate and they add the rental cost (if they would have to fix it, and you have rental coverage, the insurance company will take that into
account), and determine if there is a vehicle total loss.

At this point, the "real" evaluation of your car begins. The insurance adjuster will inspect your car for prior damage, rust, cleanness, etc. They will also look at equipment, options, and special features. They will
determine if your car is in excellent, normal, average, or below average conditions (or similar terminology). They will re submit that information to CCC (or other third party company) and usually within 24 hours, this company will give a report back with several comps in your local market for a vehicle just like yours.

The insurance adjuster still has the discretionary power to add or subtract certain things, for example, if they believe the car is in exceptional condition, they might add $200 to their offer. If the car has prior
damage, then they will reduce what they believe it is adequate.

Here is where the "negotiation" begins. The vehicle total loss is a negation; however we put it in quotes because it will not appear to be one. The total loss adjuster will give you an offer and tell you that it is a
final offer, then cut the rental car (actually, they will cut the rental car the day they tell you have a vehicle total loss, some jurisdictions allow for three days after that), and tell you that if you do not settle, then they will deduct the value of the salvage of the car (the value your car is worth acraps), and send you whatever is left.

Is that legal? Yeah it is. As long as the offer was within the "range" that CCC (or the third party company) gave, and the rental regulations are within the "state law requirement", insurance companies have the
upper hand. Can you protect yourself? Yes, there are ways to defeat the above situation. You need to ask for the CCC report. This is critical. The insurance companies MUST (not optional) give it to you. They must give you the numbers they are looking at.

You can dispute this report if you believe they are not taking into account things they should be taking into account (your low mileage, for example). It is important to you do not forget about the original estimate of repair. If the insurance company is trying to make the value of your car so low, then ask them if they would fix it. If you can "pin" down what percentage do they use declare a vehicle total loss, then you can use a reverse math approach to argue that they need to fix the car (they will not to do that). The only way to truly win your vehicle total loss is by having all information in front of you. Do not settle until see everything. You will be surprised how many "mistakes" or how many things they "overlook" when
negotiating with you.

See Also : Blog Purchasing structured settlement Remortgage offers

No Fault Auto Insurance

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No fault insurance applies to state in which an insurance company will pay for minor injuries resulting from an accident regardless of who is at fault. It also means that policyholders can only sue it their case meet certain conditions.

Florida no fault insurance is intended to reduce the cost of auto insurance by taking small claims out of court. Several industries, particularly the insurance industry favors this system because it lowers legal fees which account for up to 15 percent of the cost of auto insurance.

In states that use the no fault insurance system of auto insurance, each insurer pays its own policyholders for minor injuries regardless of who was at fault in the accident.

Suppose Meg was driving to a rock concert with her roommate, her car was struck by another auto. The driver who hit did not have liability auto insurance. If Meg lives in a no fault state such as Florida, Michigan or New York, her policy will allow her to collect from her own insurer, even though the accident was not her fault. What is more, Meg's roommate would also be covered under the no fault system if she sustained injuries.

Meg receives first party benefits which are mandatory coverage and vary from state to state under the no fault system. If Meg lives in a state that offers the most comprehensive benefits, she would also be paid for medical expenses, time off work, funeral costs (if the accident was fatal), and whatever other expenses she may have incurred.

The following states use the "true" no fault insurance system of auto insurance:

Florida

Hawaii

Kansas

Kentucky

Massachusetts

Michigan

Minnesota

New Jersey

New York

North Dakota

Pennsylvania

Utah

Puerto Rico

Choice No Fault

Choice no fault means the a person buying auto insurance can choose between the traditional tort liability auto insurance and no-fault insurance. Kentucky, New Jersey, and Pennsylvania use the choice no fault system.

Add-On

Policyholders in add-on states receives reimbursement for their losses from their own insurance company, but they are also allowed to sue the other policyholder at fault in the accident without restrictions. However the "first party" benefits a policyholder receives from her own no fault insurance company are not mandatory and the benefits may be lower that in the "true" no fault states.

Add-On States

Arkansas

Delaware

D.C.

Maryland

New Hampshire

Oregon

South Dakota

Texas

Virginia

Washington

Wisconsin

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How a DUI Conviction Affects Your Car Insurance

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If there is anything that could drive your car insurance cost sky-high it's a drunk-driving (DUI) conviction.

According to the insurance Information Institute, there is an alcohol-related traffic fatality in the United States every 29 minutes. Aside from the risk of killing yourself and others, drunk driving carries with it serious penalties from your car insurance company.

Car insurance companies may check your motor vehicle record only once every three years or when you're applying for a new policy. It's possible that accidents, tickets and DUIs may never make their way to your official motor vehicle record. However, if your insurer does discover your DUI and classifies you as a "high-risk driver," shopping around at renewal time is the best strategy, as car insurance rates will vary greatly among insurers. On the other hand, a rate hike may be the least of your problems; your policy could be cancelled or nonrenewed, especially if you are currently in a preferred car insurance rate class. Then you'll be forced to look for new car insurance with the double-whammy of a DUI and a cancellation on your record.

Laws regarding DUIs and car insurance coverage vary by state. Most states require DUI offenders to get a form called an SR-22 from their auto insurers, so you can't hide. This form proves to the DMV that you carry liability insurance and removes your license suspension. An SR-22 also requires your insurance company to notify the DMV if it cancels your auto insurance for any reason. You'll likely have to file proof of insurance for three - sometimes five - years with your state's DMV.

SR-22 laws

Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania don't require SR-22s, but if you have an SR-22 and then move to one of these states, you must continue to meet the requirements of the SR-22 state where the offense was committed. New York and North Carolina don't require SR-22 filings at all. In some states there is a fee for SR-22s. (Source: Progressive)

Some car insurance companies don't even offer SR-22 policies, so you may be nonrenewed or cancelled because your company can no longer provide what you need.

Insurers can miss DUI convictions

It's possible that your insurance company will never find out about your DUI conviction if you don't have to get an SR-22. A June 2002 study by the Insurance Research Council revealed that as many as one-quarter of driving convictions never end up on motor vehicle records due to lack of shared information between courts and motor vehicle departments, or because a conviction has been erased through alternative means, such as driving school. If you get your charge reduced in a plea bargain, or have a limited license suspension, such as 30 days, it's also very unlikely your insurer will find out about your conviction.

If your insurance company misses the conviction at the time it happens, it may still have a few years to raise car insurance rates if the DUI is discovered later.

Your ultimate destiny rests with your car insurance company.

For example, one insurance company's action depends on which subsidiary you're with. The insurer reviews rate-increase decisions on a case-by-case basis. If you have a preferred policy with your insurance company and receive a DUI, they may move you into another policy, which could be its standard-policy for riskier drivers and higher car insurance rates.

If you're with Progressive, you will not face nonrenewal or cancellation because of a DUI, but you may face a rate increase. Progressive also reviews car insurance rates on a case-by-case basis, with multiple factors such as age, gender, driving history and your vehicle model going into your rate.

It doesn't end there. Your DUI conviction will follow you if you apply for life insurance and could affect your premiums there, too.

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The Different Types of Auto Insurance

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Automobile insurance is expensive and costly to have for your family. But in this world where anything could happen when you're driving, be it your fault or not, insurance is a necessity. But sometimes it can be confusing what types of insurance are out there and how much coverage you and your family will need. What is personal property liability? Do you need comprehensive coverage and personal injury protection insurance? Insurance requirements can differ drastically or insignificantly in each state.

Here are the different types of coverage:

These types of insurance are usually optional in each state and will result in a costlier insurance premium. Most insurance that is optional is put in place as a safe guard for the other possibly uninsured party.

Collision coverage: Collision coverage pays for all the repairs and costs associated with an automobile accident that involves another vehicle or object even if the insurance holder is at fault.



Comprehensive Insurance: Is, well, more comprehensive coverage. This type of insurance will protect the holder if the car has been stolen, struck by natural causes, or damaged illegally.



Bodily injury and personal property insurance is a necessity in every U.S. State.



Personal Injury Protection: insurance policy that, in case of a car accident, pays for medical expenses associated with said car accident. It will cover the insurance holder, passengers, and pedestrians. PIP is required in Michigan, Massachusetts, Maryland, North Dakota, Oregon, Utah, New Jersey, New York, Minnesota, Florida, Hawaii, Kansas, Kentucky, Delaware, and Colorado. PIP is always a good thing to consider since it will cover most medical bills, lost wages, and other expenses even if you were at fault in the accident. When deciding if you need PIP coverage you should look at your health insurance policy in case the coverage overlaps itself. Also consider your driving habits. If you carry passengers in your vehicle on a daily basis, perhaps it's better to have PIP. Check with your state and keep in mind your health and habits when buying insurance that is right for you.



For More Information

If you have been injured in an auto accident in New Jersey, consider talking with a personal injury attorney to protect your rights and assist you in recovering the highest compensation. To learn more about what to do if you are involved in a car accident, please visit the website of the New Jersey personal injury lawyers of Levinson Axelrod today.

Recommend : Insurance DC auto insurance Mesothelioma attorneys

How a DUI Conviction Affects Your Car Insurance

Image : http://www.flickr.com

If there is anything that could drive your car insurance cost sky-high it's a drunk-driving (DUI) conviction.

According to the insurance Information Institute, there is an alcohol-related traffic fatality in the United States every 29 minutes. Aside from the risk of killing yourself and others, drunk driving carries with it serious penalties from your car insurance company.

Car insurance companies may check your motor vehicle record only once every three years or when you're applying for a new policy. It's possible that accidents, tickets and DUIs may never make their way to your official motor vehicle record. However, if your insurer does discover your DUI and classifies you as a "high-risk driver," shopping around at renewal time is the best strategy, as car insurance rates will vary greatly among insurers. On the other hand, a rate hike may be the least of your problems; your policy could be cancelled or nonrenewed, especially if you are currently in a preferred car insurance rate class. Then you'll be forced to look for new car insurance with the double-whammy of a DUI and a cancellation on your record.

Laws regarding DUIs and car insurance coverage vary by state. Most states require DUI offenders to get a form called an SR-22 from their auto insurers, so you can't hide. This form proves to the DMV that you carry liability insurance and removes your license suspension. An SR-22 also requires your insurance company to notify the DMV if it cancels your auto insurance for any reason. You'll likely have to file proof of insurance for three - sometimes five - years with your state's DMV.

SR-22 laws

Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania don't require SR-22s, but if you have an SR-22 and then move to one of these states, you must continue to meet the requirements of the SR-22 state where the offense was committed. New York and North Carolina don't require SR-22 filings at all. In some states there is a fee for SR-22s. (Source: Progressive)

Some car insurance companies don't even offer SR-22 policies, so you may be nonrenewed or cancelled because your company can no longer provide what you need.

Insurers can miss DUI convictions

It's possible that your insurance company will never find out about your DUI conviction if you don't have to get an SR-22. A June 2002 study by the Insurance Research Council revealed that as many as one-quarter of driving convictions never end up on motor vehicle records due to lack of shared information between courts and motor vehicle departments, or because a conviction has been erased through alternative means, such as driving school. If you get your charge reduced in a plea bargain, or have a limited license suspension, such as 30 days, it's also very unlikely your insurer will find out about your conviction.

If your insurance company misses the conviction at the time it happens, it may still have a few years to raise car insurance rates if the DUI is discovered later.

Your ultimate destiny rests with your car insurance company.

For example, one insurance company's action depends on which subsidiary you're with. The insurer reviews rate-increase decisions on a case-by-case basis. If you have a preferred policy with your insurance company and receive a DUI, they may move you into another policy, which could be its standard-policy for riskier drivers and higher car insurance rates.

If you're with Progressive, you will not face nonrenewal or cancellation because of a DUI, but you may face a rate increase. Progressive also reviews car insurance rates on a case-by-case basis, with multiple factors such as age, gender, driving history and your vehicle model going into your rate.

It doesn't end there. Your DUI conviction will follow you if you apply for life insurance and could affect your premiums there, too.

Tags : Hipmore Digital Frame Blog Level term life assurance Mesothelioma resource Life assurance quote

What Are The Auto Liability Insurance State Minimums For My State?

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As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire.

Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to the increased amount of money needed to rectify an accident is usually more then what the states declare as the minimum amount of insurance coverage needed.

I have compiled the following information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what the mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability.

As an example my home state of Missouri shows the following - Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.

Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25
California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5
D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10
Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15
Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25
Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10
Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25
Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5
Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25
South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15
Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10
West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20

Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you're involved in an automobile accident.

Related : game Hipmore Digital Frame structured settlement quote

What Are The Auto Liability Insurance State Minimums For My State?

Image : http://www.flickr.com

As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire.

Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to the increased amount of money needed to rectify an accident is usually more then what the states declare as the minimum amount of insurance coverage needed.

I have compiled the following information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what the mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability.

As an example my home state of Missouri shows the following - Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.

Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25
California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5
D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10
Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15
Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25
Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10
Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25
Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5
Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25
South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15
Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10
West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20

Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you're involved in an automobile accident.

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No Fault Auto Insurance

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No fault insurance applies to state in which an insurance company will pay for minor injuries resulting from an accident regardless of who is at fault. It also means that policyholders can only sue it their case meet certain conditions.

Florida no fault insurance is intended to reduce the cost of auto insurance by taking small claims out of court. Several industries, particularly the insurance industry favors this system because it lowers legal fees which account for up to 15 percent of the cost of auto insurance.

In states that use the no fault insurance system of auto insurance, each insurer pays its own policyholders for minor injuries regardless of who was at fault in the accident.

Suppose Meg was driving to a rock concert with her roommate, her car was struck by another auto. The driver who hit did not have liability auto insurance. If Meg lives in a no fault state such as Florida, Michigan or New York, her policy will allow her to collect from her own insurer, even though the accident was not her fault. What is more, Meg's roommate would also be covered under the no fault system if she sustained injuries.

Meg receives first party benefits which are mandatory coverage and vary from state to state under the no fault system. If Meg lives in a state that offers the most comprehensive benefits, she would also be paid for medical expenses, time off work, funeral costs (if the accident was fatal), and whatever other expenses she may have incurred.

The following states use the "true" no fault insurance system of auto insurance:

Florida

Hawaii

Kansas

Kentucky

Massachusetts

Michigan

Minnesota

New Jersey

New York

North Dakota

Pennsylvania

Utah

Puerto Rico

Choice No Fault

Choice no fault means the a person buying auto insurance can choose between the traditional tort liability auto insurance and no-fault insurance. Kentucky, New Jersey, and Pennsylvania use the choice no fault system.

Add-On

Policyholders in add-on states receives reimbursement for their losses from their own insurance company, but they are also allowed to sue the other policyholder at fault in the accident without restrictions. However the "first party" benefits a policyholder receives from her own no fault insurance company are not mandatory and the benefits may be lower that in the "true" no fault states.

Add-On States

Arkansas

Delaware

D.C.

Maryland

New Hampshire

Oregon

South Dakota

Texas

Virginia

Washington

Wisconsin

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What Are The Auto Liability Insurance State Minimums For My State?

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As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the auto liability insurance state minimums that you are required to have in order to legally drive in the United States. No matter what state you drive in all of them have financial responsibility laws and require motorists to purchase minimum amounts of auto liability insurance except for Tennessee, Wisconsin and New Hampshire.

Many websites and advocates of insurance (to include myself) recommend having a minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs. The main reason for this is due to the increased amount of money needed to rectify an accident is usually more then what the states declare as the minimum amount of insurance coverage needed.

I have compiled the following information from the American Insurance Association, the Property Casualty Insurers Association, and the Insurance Information Institute. It shows the auto liability insurance state minimums as required by each state. In order to understand the numbers you must know what the mean. The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability.

As an example my home state of Missouri shows the following - Missouri 25/50/10. This means Missouri requires as a minimum coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.

Alabama 20/40/10 Alaska 50/100/25 Arizona 15/30/10 Arkansas 25/50/25
California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5
D.C. 25/50/10 Florida 10/20/10 Georgia 25/50/25 Hawaii 20/40/10
Idaho 25/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15
Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25
Maryland 20/40/15 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10
Mississippi 10/20/05 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25
Nevada 15/30/10 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5
Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25
South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15
Utah 25/50/15 Vermont 25/50/10 Virginia 25/50/20 Washington 25/50/10
West Virginia 20/40/10 Wisconsin 25/50/10 Wyoming 25/50/20

Remember these figures only represent auto insurance liability state minimums. Many experts agree that more insurance is needed in order to fully protect yourself in the event you're involved in an automobile accident.

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How a DUI Conviction Affects Your Car Insurance

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If there is anything that could drive your car insurance cost sky-high it's a drunk-driving (DUI) conviction.

According to the insurance Information Institute, there is an alcohol-related traffic fatality in the United States every 29 minutes. Aside from the risk of killing yourself and others, drunk driving carries with it serious penalties from your car insurance company.

Car insurance companies may check your motor vehicle record only once every three years or when you're applying for a new policy. It's possible that accidents, tickets and DUIs may never make their way to your official motor vehicle record. However, if your insurer does discover your DUI and classifies you as a "high-risk driver," shopping around at renewal time is the best strategy, as car insurance rates will vary greatly among insurers. On the other hand, a rate hike may be the least of your problems; your policy could be cancelled or nonrenewed, especially if you are currently in a preferred car insurance rate class. Then you'll be forced to look for new car insurance with the double-whammy of a DUI and a cancellation on your record.

Laws regarding DUIs and car insurance coverage vary by state. Most states require DUI offenders to get a form called an SR-22 from their auto insurers, so you can't hide. This form proves to the DMV that you carry liability insurance and removes your license suspension. An SR-22 also requires your insurance company to notify the DMV if it cancels your auto insurance for any reason. You'll likely have to file proof of insurance for three - sometimes five - years with your state's DMV.

SR-22 laws

Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania don't require SR-22s, but if you have an SR-22 and then move to one of these states, you must continue to meet the requirements of the SR-22 state where the offense was committed. New York and North Carolina don't require SR-22 filings at all. In some states there is a fee for SR-22s. (Source: Progressive)

Some car insurance companies don't even offer SR-22 policies, so you may be nonrenewed or cancelled because your company can no longer provide what you need.

Insurers can miss DUI convictions

It's possible that your insurance company will never find out about your DUI conviction if you don't have to get an SR-22. A June 2002 study by the Insurance Research Council revealed that as many as one-quarter of driving convictions never end up on motor vehicle records due to lack of shared information between courts and motor vehicle departments, or because a conviction has been erased through alternative means, such as driving school. If you get your charge reduced in a plea bargain, or have a limited license suspension, such as 30 days, it's also very unlikely your insurer will find out about your conviction.

If your insurance company misses the conviction at the time it happens, it may still have a few years to raise car insurance rates if the DUI is discovered later.

Your ultimate destiny rests with your car insurance company.

For example, one insurance company's action depends on which subsidiary you're with. The insurer reviews rate-increase decisions on a case-by-case basis. If you have a preferred policy with your insurance company and receive a DUI, they may move you into another policy, which could be its standard-policy for riskier drivers and higher car insurance rates.

If you're with Progressive, you will not face nonrenewal or cancellation because of a DUI, but you may face a rate increase. Progressive also reviews car insurance rates on a case-by-case basis, with multiple factors such as age, gender, driving history and your vehicle model going into your rate.

It doesn't end there. Your DUI conviction will follow you if you apply for life insurance and could affect your premiums there, too.

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Delaware County Personal Injury Attorney On Delaware County, PA Personal Injury Slip and Falls

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Automobile accidents and fall down cases are the most common types of lawsuit for personal injuries. The legal principles involved with these two types of cases differ greatly. I examine here the hurdles that must be overcome in order to receive fair compensation for injuries suffered as the result of a fall.

Generally, the most difficult problem involves the question of notice. The injured victim must prove that the defendant either created the hazard which caused the injury, or that the defendant knew or should have known of the hazard long enough before the accident to have removed or repaired it.

For example, when a pedestrian trips on a crack in a sidewalk, the P. I. attorney hopes to find someone who lives in the area of the accident who knows that the crack existed for a long time. Or photos may show that the crack was not of recent origin. It is then easy to show that the property owner should have known of it and should have had the crack repaired. The city where the accident happened may also have liability in sidewalk cases for failure to enforce the municipal requirements that sidewalks be kept in good repair. This is particularly important when the property owner carries no insurance on the property. In this situation, the government may be the only defendant against whom a money judgment can be collected. The city becomes the "deep pocket" or "target" defendant.

The next issue that almost always comes up in these cases is the victim's own failure to be careful. This is called "comparative negligence." (See Chapter 9 of the complete book for a discussion of comparative negligence.) Defendants argue that the claimant should have seen the hazard and avoided it. While this argument often reduces the total amount of compensation received, it usually does not defeat the claim outright. There may be valid reasons why the hazard was not seen. For example, when a customer in a grocery store slips on grapes, the customer's attention may have been drawn by a catchy advertisement or display put up by the store. This is a reasonable explanation which, if believed, should enable you to receive full compensation.

A thorough and prompt investigation can make all the difference in the outcome of fall down cases. Witness statements must be obtained and photographs of the hazard must be taken. Even short delays can hurt the case since memories fade rapidly and hazards get repaired quickly when injuries occur.

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How to Find Cheap Delaware Auto Insurance Rates

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You may have to do some searching, but you can find cheap auto insurance in Delaware. The best place to start is at home. Understanding the insurance requirements in Delaware and the types of discounts available will give you ideas on what types of insurance you need and what discounts to ask for. Here are some ideas to help get you started on your search.

The first step to finding a better DE auto insurance rate is understanding your required coverage. In Delaware, you are required to carry liability insurance that provides up to $15,000 for injuries or death to any one person, $30,000 for total injury or death per collision, and $10,000 for property damage. Delaware uses a Tort system which means that the person at fault is charged with the accident and their insurance pays the damages for all parties involved. Delaware also requires PIP (personal injury protection) coverage of $15,000 for one person and $30,000 for all persons involved in an accident. This benefit is paid above the Tort benefits received from the other insurance company if the other driver was at fault.

While strict penalties are in place for uninsured drivers, there are still some on the road. Delaware law does not require uninsured driver insurance, but it does offer valuable protection.

Now, how do you save on your Delaware auto insurance coverage? Once you understand what you need, you need to figure out what discounts you qualify for.

Good Grades Discount - Students that maintain a 3.0 GPA or better are eligible for discounts with some companies.

Defensive Driver - Those who take courses on defensive driving are eligible for discounts from some companies.

Safety Devices - Vehicles that have certain safety devices installed are often eligible for discounts with some companies.

Be sure that you compare Delaware auto insurance quotes from at least 5 different companies in order to find the best rate.

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Delaware County, PA Personal Injury Attorney On Delaware County Personal Injury Assumption of Risk

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Defendants may contend that plaintiff assumed the risk of an accident. The burden of showing voluntary assumption of risk and contributory negligence is on the defendants. Whitley v. Philadelphia Transportation Company, 234 A. 2d 922, 925 (Pa. Super. 1967).

The doctrine of assumption of risk "has been very problematic and has fallen from the favor of some of the judiciary and legal commentators. In fact, the doctrine as a separate affirmative defense has only narrowly survived abolishment by our Supreme Court." Bullman v. Giuntoli, PICS No. 00-1904.

The assumption of risk defense is made out only by showing that a person "with appreciation and knowledge of an obvious danger, purposely elects to abandon a position of relative safety and chooses to reposition himself in a place of obvious danger and by reason of that repositioning is injured." McIntyre v. Cusick, 372 A. 2d 864, 866 (Pa. Super. 1977)."

The defense of assumption of the risk will not prevent recovery unless the evidence conclusively establishes that the plaintiff was subjectively aware of the risk and voluntarily assumed it. Barrett v. Fredavid Builders, Inc., 685 A.2d 129 (Pa. Super. 1996). Voluntariness is established only when the circumstances manifest a willingness to accept the risk. Staub v. Toy Factory, Inc., 749 A.2d 522 (Pa. Super. 2000). Mere contributory negligence does not establish assumption of the risk. Id.

Rather, a plaintiff has assumed the risk where he has gone so far as to abandon his right to complain and has absolved the defendant from taking any responsibility for the plaintiff's injuries. Id. In order to prevail on assumption of risk, the defendant must establish both the "awareness of the risk" prong and the "voluntariness" prong. Id.

The defense is not available unless it is beyond question, such that no two reasonable minds could differ, that the plaintiff voluntarily and knowingly proceeded in the face of an obvious and dangerous condition. Hardy v. Southland Corp., 645 A. 2d 839 (Pa. Super. 1994), citing, Howell v. Clyde, 620 A. 2d 1107 (Pa. 1993). Assumption of the risk cannot be used as a defense unless it is shown that plaintiff "must have appreciated the danger itself and the nature, character and extent which made it unreasonable." Crance v. Sohanic, 496 A. 2d 1230, 1232 (Pa. Super. 1985).

The Pennsylvania Supreme Court in Hughes v. Seven Springs Farm, Inc., 762 A.2d 399 (Pa. 2000), discussed the status of the doctrine of assumption of
risk in light of the passage of the comparative negligence statute and
stated that as a general rule, the doctrine of assumption of the risk, with its
attendant "complexities" and "difficulties," has been supplanted by the
Pennsylvania General Assembly's adoption of a system of recovery based on
comparative fault in the Comparative Negligence Act. 42 Pa.C.S.A. §7102(a)-(b). Where plaintiff tried to minimize her risk of falling, but fell nevertheless, she did not voluntarily assume the risk of falling. Barrett v. Fredavid Builders, Inc., 685 A.2d 129 (Pa. Super. 1996).

Finally, in Giosa v. School District of Philadelphia, 630 A.2d 511 (Pa. Cmwlth. 1993), defendant argued that the plaintiff assumed the risk of slipping on an icy sidewalk, "because Giosa fully understood the risk involved in walking on the sidewalk, and yet voluntarily chose to encounter it." Id. The Court held that since defendant owed plaintiff, a member of the general public, a duty to keep the public sidewalks clear from any dangerous conditions, the doctrine of assumption of risk did not apply. Id. Similarly, defendants owed plaintiff, Fran Kellenbenz, as a member of the general public, a duty to keep their sidewalk clear from any dangerous conditions. Similarly, the doctrine of assumption of risk does not apply and the Court should not charge the jury thereon.

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State Auto Insurance - What Are the Requirements?

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Virtually all states within the U.S. have laws governing the minimum amount of auto insurance coverage you must have. In the states that don't, they have financial responsibility laws that state you have to be able to furnish proof of the ability to pay for both bodily and property damage resulting from an auto accident up to a certain minimum amount.

The chart below indicates the mandatory minimum requirements state by state. The second first figure is the minimum amount of coverage required for all people injured in an accident. The first figure is the limit for one individual and the third is for property damage. All figures are 1000's $.

So, taking Alaska as an example, the minimum coverage is $100,000 for all persons injured in an accident up to a limit of $50,000 for one individual and $25,000 for property damage.

Alabama 25/50/25
Alaska 50/100/25
Arizona 15/30/10
Arkansas 25/50/25
California 15/30/5
Colorado 25/50/15
Connecticut 20/40/10
Delaware 15/30/10
D.C. 25/50/10
Florida 10/20/10
Georgia 25/50/25
Hawaii 20/40/10
Idaho 25/50/15
Illinois 20/40/15
Indiana 25/50/10
Iowa 20/40/15
Kansas 25/50/10
Kentucky 25/50/10
Louisiana 10/20/10
Maine 50/100/25
Maryland 20/40/15
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 25/50/25
Missouri 25/50/10
Montana 25/50/10
Nebraska 25/50/25
Nevada 15/30/10
New Hampshire 25/50/25 Financial Responsibility only
New Jersey 15/30/10
New Mexico 25/50/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 12.5/25/7.5
Oklahoma 25/50/25
Oregon 25/50/10
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/10
Texas 25/50/25
Utah 25/50/15
Vermont 25/50/10
Virginia 25/50/20
Washington 25/50/10
West Virginia 20/40/10
Wisconsin 25/50/10 Financial Responsibility only
Wyoming 25/50/20

It must be stressed that these figures are the minimum required by law. It is generally recognized that more realistic figures would be $300,000 bodily injury protection per accident and $100,000 per person.

Other options are available to increase your coverage. These include -

Uninsured Motorist Coverage

This coverage will pay you for bodily injury and property damage that you suffer as a result of an accident caused by an uninsured driver.

Underinsured Motorist Coverage

This coverage pays you for bodily injury and property damage that you suffer as a result of an accident caused by a driver who has insurance but whose coverage is less than your uninsured motorist coverage.

Personal Injury Protection (PIP)

This coverage (sometimes known as "no-fault" coverage) is for injuries that you and others may sustain in an auto accident irrespective of who caused the accident. It covers the cost of hospital and medical expenses incurred in treating injuries and other incidental expenses such as lost wages.

Collision Coverage

Coverage to pay for damages caused to your vehicle when involved in a collision with another vehicle or object.

Comprehensive Coverage

This pays for damage to your vehicle that is not the result of a collision, such as fire, theft, vandalism and flooding.

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How Does Auto Insurance Work? - A Brief Guide

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Like other types of insurance, auto insurance is designed to protect the insured person against losses. Unlike other insurance, it is also intended to protect other people against losses arising from an auto accident that was the fault of the insured person.

An auto insurance policy is made up of coverages that are mandatory for everyone and coverages that are optional at the discretion of the insured person.

Each state stipulates what the minimum mandatory coverages are. They are included in the policy in order to make sure that all people injured in an automobile accident (drivers, passengers and pedestrians) are covered for such things as bodily injury and property damage due to an accident caused by the insured person.

Taking Delaware as an example, the minimum coverage required is $30,000 for all people injured in an accident up to a maximum of $15,000 for each individual and $10,000 for property damage.

It must be stressed that these are the minimum coverages you must have. As any shortfall between the minimum coverage and the actual amounts claimed may have to come out of your pocket, it would be wise to consider increasing these minimum amounts.

The optional coverages are intended to provide the insured person protection for things not included in the mandatory requirements. Below is a list of the most common options available. In some states these are not optional but are mandatory.

Personal Injury Protection (PIP)

This is mandatory in several states and is intended to provide coverage for injuries sustained by the insured person irrespective of who caused the accident.

Collision Coverage

This covers the insured person for damages to their vehicle when involved in a collision with another vehicle or object. Note: In some states where collisions with deer are common, a special option for just such an event may be needed over and above the normal collision coverage.

Un-insured/Under-insured Coverage.

When the insured person suffers bodily injury or property damage as a result of an accident caused by an uninsured, underinsured or hit and run driver, this cover will pay for any expenses involved.

Of course, these options will increase the cost of the policy. When it comes to the amount of money you pay for your policy (the premium), the auto insurance company will take into account many factors to arrive at the total cost. Your age, sex, driving record and the type of vehicle you are insuring will all be considered. Where you live also has an impact on your premium cost.

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Delaware Auto Insurance Rates - Ways To Lower Your Teen's Rates

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1. KEEP THEIR MILEAGE DOWN...

Let them take advantage of the public transport system whenever you can. The more their mileage, the higher the probability that you'll make a claim in no distant time.

2. ENCOURAGE THEM TO GET GOOD GRADES...

Students who get good grades are rewarded by insurance companies with reduced Delaware auto insurance rates.

3. MAKE SURE THEIR CAR HAS SAFETY FEATURES...

Make sure you choose a car that is equipped safety devices. Because they will keep your teen and their vehicle safer they are regarded as better risks by insurers. These will enable you get affordable teen auto insurance.

4. LET THEM USE SMALLER INEXPENSIVE CARS...

Settle for a cheaper car if you really want affordable teen auto insurance. There are cars that cost a lot to insure. You can easily get a similar vehicle that is inexpensive to insure. But a general rule is: Big cars, costly cars, classic cars, cars with a high theft rate cost much more to insure.

5. LET THEM TAKE COURSES IN DEFENSIVE DRIVING...

Let your teen take courses in defensive driving. In addition to making him/her a better driver, it will help him/her get lower Delaware auto insurance quotes.

6. RAISE THEIR DEDUCTIBLE...

Opt for higher deductibles. If you opt to pay a higher deductible, you'll get to pay a cheaper premium. Just take care not to opt for deductibles that are higher than you can provide with ease.

7. GET AND COMPARE QUOTES...

You can reduce your Delaware teen auto insurance costs by asking for quotes from reputable quotes sites. Using a minimum of three quotes sites increase the chances that you would realize bigger savings.

I advise that you visit a minimum of three quotes sites because it will ensure you do not miss out better quotes not presented by the other sites. This gives you a broader basis for doing more thorough comparisons thereby increasing your chances of realizing more savings.

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Evaluating Minimum Auto Insurance Requirements

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Different states will require varying insurance requirements. It is therefore significant to educate yourself about your state's minimum auto insurance requirements. This is equally important when you're planning to move to a new state. Knowing these important information will be a critical factor if you want get maximum protection for you in the event of accidents.

Understand Your Auto Insurance Numbers

A series of three numbers are normally used by auto insurance companies to refer to property damage and bodily injury coverage. In Arizona, for example, the minimum auto insurance coverage requirements are stated as 15-30-10-$15,000 for the maximum amount to be paid for a single person injured in an accident or the bodily injury liability; $30,000 for the maximum amount to be paid for all injuries in an accident, also a bodily injury liability; and $10,000 the maximum amount to be paid for property damage or the property damage liability.

Educate Yourself about Minimum Insurance Requirements

Talk to a reliable agent or source or search the Net for accurate data regarding the minimum auto insurance requirements. And since different states will have varying features for this, it is important to know the one being implemented at the stat you are in or you are moving into.

Determine the Extent of the Requirements

It is important to be able to check whether the state's minimum auto insurance covers not only but also your family. Be sure to check the accuracy of the coverage based on the quote you have gotten from the insurance company. If covering the entire family means having to pay larger premiums, then don't hesitate to do so. Paying for bodily injury and other important liabilities will be a great help for you in the event of an accident involving any member.

Check If You're in a No-Fault State

Florida, Hawaii, D.C., Delaware, Minnesota, Kentucky, Maryland, Kansas, Massachusetts, Utah, Michigan, New York, Oregon, Pennsylvania, New Jersey, North Dakota, Texas, and Washington are states that observe the no-fault policy. In these states, insurance companies are required legally to cover the policy holder's losses, regardless of who's held responsible for the accident.

Knowing all these are important in evaluating your auto insurance policy. Make sure to keep your proof of auto insurance and to know well everything written on it so you will be knowledgeable of what you're responsible of and liable to.

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Auto Insurance Rates - Does the Color of Your Car Matter?

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Someone at some place during some point in time started a rumor that owning a red car means you will get more speeding tickets and have higher insurance rates. The reason I have heard most often is due to red standing out more from other cars and therefore the police officers eye sees the red car and pulls it over even though other say, black cars driving near the red car are speeding as well. This reasoning seems somewhat logical, but what about for car insurance rates? Does owning a certain color of car affect your prices?

Perhaps the primary reason for the continued presence of this alleged myth is the psychology behind how a certain person chooses their car color of choice. Studies on this matter have determined a theory that people who purchase a red vehicle like to drive fast or feel as if they need to speed through everything in life. That statistic provides a direct correlation between the "more speeding tickets" portion of the myth, so maybe there really is something to this.

Not to ruin the article, but the short answer to 'Does the color of your car affect your auto insurance rates?' is no, it does not. The only time this may be possible is if the insurance agent that sees your car when you pull into their parking lot or as they take pictures of your vehicle for their records does not like the color of your car and takes it out personally on your policy. If you feel this is being done, it's probably best to move on from that company anyway, but that's another story.

Sometimes the suggestion has been made that the Vehicle Identification Number, or VIN has a certain code to notify the color of the car, but this is not the case. The VIN does not store details on car color in its code.

Car insurance companies look at several other factors though, such as the year, make and model, how big your engine is, and also your previous driving record and where you live. Where you live is usually determined by zip code. So, if your favorite color is candy apple red, go ahead and buy that car or paint your current car without worry of being pulled over more or getting robbed with high insurance rates.

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How to Get Cheap Car Insurance in San Diego, California

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San Diego, California is a haven for mature individuals who want to retire. This obviously means that there are more and more aging drivers on the streets of this warm and welcoming city. Trying to find cheap car insurance in San Diego, California can be challenging for someone who is over the age of fifty. However, there are things they can do to help ensure they aren't paying more in premiums than they realistically need to be.

Many car insurance companies in California offer a cheaper rate for older motorists who take a mature driving course and pass it. For anyone considering doing this, it's essential that they are certain that the course they take is recognized by the insurance company they plan on purchasing a policy from. This course is viewed as a sign of good faith and also an indicator that the driver is still aware and safe behind the wheel.

In addition to taking the driving course motorists can also look for other ways to save on their car insurance costs. One great method that many mature individuals employ is to be added as an occasional driver on someone else's policy. This really is a good solution for someone living with their adult child. The child can add them on as an infrequent driver to their own vehicle, which still affords the mature person the chance to get out and about. If the older individual still drives a great deal, this approach wouldn't be suitable.

Common sense really plays an important role in finding cheap car insurance in San Diego, California as well. Using a car alarm, driving within posted limits and paying close attention to the road, all help to reduce the number of thefts and collisions, and this ultimately results in lower insurance premium rates.

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Delaware Auto Insurance Rates - Ways To Lower Your Teen's Rates

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1. KEEP THEIR MILEAGE DOWN...

Let them take advantage of the public transport system whenever you can. The more their mileage, the higher the probability that you'll make a claim in no distant time.

2. ENCOURAGE THEM TO GET GOOD GRADES...

Students who get good grades are rewarded by insurance companies with reduced Delaware auto insurance rates.

3. MAKE SURE THEIR CAR HAS SAFETY FEATURES...

Make sure you choose a car that is equipped safety devices. Because they will keep your teen and their vehicle safer they are regarded as better risks by insurers. These will enable you get affordable teen auto insurance.

4. LET THEM USE SMALLER INEXPENSIVE CARS...

Settle for a cheaper car if you really want affordable teen auto insurance. There are cars that cost a lot to insure. You can easily get a similar vehicle that is inexpensive to insure. But a general rule is: Big cars, costly cars, classic cars, cars with a high theft rate cost much more to insure.

5. LET THEM TAKE COURSES IN DEFENSIVE DRIVING...

Let your teen take courses in defensive driving. In addition to making him/her a better driver, it will help him/her get lower Delaware auto insurance quotes.

6. RAISE THEIR DEDUCTIBLE...

Opt for higher deductibles. If you opt to pay a higher deductible, you'll get to pay a cheaper premium. Just take care not to opt for deductibles that are higher than you can provide with ease.

7. GET AND COMPARE QUOTES...

You can reduce your Delaware teen auto insurance costs by asking for quotes from reputable quotes sites. Using a minimum of three quotes sites increase the chances that you would realize bigger savings.

I advise that you visit a minimum of three quotes sites because it will ensure you do not miss out better quotes not presented by the other sites. This gives you a broader basis for doing more thorough comparisons thereby increasing your chances of realizing more savings.

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Free Car Insurance Quotes

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We live in a time where convenience is everything and time is definitely money. Almost every home in America has access to the Internet. What this means is that we want to be able to focus on our lives without worrying about the cost of automobile coverage. There are a wide variety of free car insurance quotes in the State of Colorado. For some of us, having too many choices can be overwhelming. How do we make the determination as to which is best? Is it determined by advertisements, radio campaigns, commercials on television or the verbal recommendation of friends or family? With so many to choose from, how can we find what is the best company for our own personal needs?

While these are all good questions, most of us don't want to have to put a lot of thought into our car insurance. We want to be able to perform a few keystrokes get our information in a concise and easily understood manner and be done with the whole thing. We don't want to have to peruse sites that read like an insurance version of war and peace. Simple is best.

So how can we really know what to look for as a Colorado resident? Let's take a brief look at the various factors that play a part in obtaining accurate information about coverage based upon our own personal circumstances. Age: 18 - 25 would be considered a young driver. With youth often come impetuosity, recklessness, and carelessness. Combine those traits with inexperience and a desire to show off and you've got a driver who is high risk for an accident. Consequently to ensure an inexperienced driver will cost you. Those of us who have a heavy 'lead foot' or like to speed? There are insurance companies that will not accept you as a client unless you have been misdemeanor and ticket-free for at least six months prior to your obtaining a price quote. Lapses in coverage are a major no-no...particularly in Colorado as state law requires all automobile owners have auto insurance coverage. Fines and confiscation of your vehicle in worse case scenario can result from no automobile coverage where state law mandates otherwise.

Your demographics in no small part influence your insurance rate quote. If you live in a major city you will pay more than if you live in a rural area. By the same token, living in an area where there is little crime versus a high crime area are other contributing factors. What are some other options you might want to consider to save yourself money when searching free car insurance quotes online? One can save money on automobile insurance by carrying a high deductible. Raising your deductible by even $250 can mean literally a couple of hundred thousand dollars more in liability coverage. Better to err on the side of caution.

One more thing to consider before you make a final decision: if you are driving an old car with virtually no resale value do yourself a favor; lose the comprehensive and collision damages. It is probably costing you more than the value of the car.

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Auto Insurance Rates - Does the Color of Your Car Matter?

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Someone at some place during some point in time started a rumor that owning a red car means you will get more speeding tickets and have higher insurance rates. The reason I have heard most often is due to red standing out more from other cars and therefore the police officers eye sees the red car and pulls it over even though other say, black cars driving near the red car are speeding as well. This reasoning seems somewhat logical, but what about for car insurance rates? Does owning a certain color of car affect your prices?

Perhaps the primary reason for the continued presence of this alleged myth is the psychology behind how a certain person chooses their car color of choice. Studies on this matter have determined a theory that people who purchase a red vehicle like to drive fast or feel as if they need to speed through everything in life. That statistic provides a direct correlation between the "more speeding tickets" portion of the myth, so maybe there really is something to this.

Not to ruin the article, but the short answer to 'Does the color of your car affect your auto insurance rates?' is no, it does not. The only time this may be possible is if the insurance agent that sees your car when you pull into their parking lot or as they take pictures of your vehicle for their records does not like the color of your car and takes it out personally on your policy. If you feel this is being done, it's probably best to move on from that company anyway, but that's another story.

Sometimes the suggestion has been made that the Vehicle Identification Number, or VIN has a certain code to notify the color of the car, but this is not the case. The VIN does not store details on car color in its code.

Car insurance companies look at several other factors though, such as the year, make and model, how big your engine is, and also your previous driving record and where you live. Where you live is usually determined by zip code. So, if your favorite color is candy apple red, go ahead and buy that car or paint your current car without worry of being pulled over more or getting robbed with high insurance rates.

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