Vehicle Insurance

10 Ways to Prevent an Auto Accident

Sure, I am a personal injury attorney, but that doesn’t mean that I enjoy hearing about, or representing the victims of, preventable car accidents. Part of my role is to help all the drivers out there to be safer on the road.Texting, eating and applying makeup while driving, changing the radio station, reprogramming the navigation system, talking on the phone or driving intoxicated all contribute to the 6+ million car accidents witnessed in the United States every year. Though you may not engage in these distractions while driving- there are many others on the road who do and here are some simple tips to help prevent causing or being involved in an accident. Here are a few simple reminders that may just make you safer!

1. Focus on the Road and Remove Distractions: Cell phones, changing out the CD, switching the music on your music player all distract you from the road. About 80% of the 6+ million accidents each year are caused by distracted drivers.

2. Stay out of the “fast lane”:

According to research most freeway accidents take place in the left lane. The right and middle lanes offer more escape routes in case of emergency- helping you avoid collision.

3. Keep an Eye Out:

Don’t simply watch what the person in front of you is doing- pay attention to the cars 3 or 4 lengths ahead of you. You will know what is happening further up the road which will enable you to avoid a collision in the event that the person in front of you is not paying adequate attention.

4. Hands on the wheel: Holding the steering wheel properly in the 9 o’clock and 3 o’clock position provides more control over your car- enabling you to more easily react and maneuver.

5. Monitor your blind spots:

Quite a few accidents occur as the result of blind spots. The drivers of large trucks are often scrutinized for this, but all drivers should be monitoring their blind spots- particularly when changing lanes.

6. Be Cautious at Intersections:

Intersections can be extremely dangerous- never gun-it when the light turns green- instead make sure there are no vehicles running red lights. Also pay close attention to pedestrians who may have the right of way.

7. You Can Judge a Driver by their Vehicle: If a car has a considerable amount of bodily damage that may indicate a poor driver.

8. Be Familiar with Your Car and its Abilities: Know your vehicle’s limits so you may be able to handle adverse conditions. If you have weak tires don’t speed or slam on your breaks while raining and leave ample space between you and the vehicle in front of you.

9. Perform Routine Maintenance Visit your mechanic on time with factory recommended services, oil changes etc. Monitor your particular cars recall list and make sure you get any recalls taken care of as soon as possible.

10. Avoid nighttime driving. Lower visibility and a higher drunk-driving rate make the roads particularly dangerous after hours.

via 10 Ways to Prevent an Auto Accident.

Insurance :: Pennsylvania Car Insurance | ArticleBiz.com

Pennsylvania Car Insurance

What does it take to get Pennsylvania car insurance that is right for you? I think we can agree that price is important but Trust is a factor that cannot be overlooked.

Buck (the dog in our featured video) is happy because his owners trust the Williams agency for their Pennsylvania Car insurance, house insurance and life insurance. Pennsylvania Car Insurance – Who Do You Trust?They can spend more time playing with Buck and going on long walks when they know the agency is handling all their insurance. They can rest easy knowing that Williams Agency has their best interest at heart and is always watching the rates and looking for opportunities to save them additional money. They rarely have to lift a finger to do any paperwork, the agency always takes care of that end.

Pennsylvania Car Insurance Quote – Hundreds of TestimonialsBuck’s owners know they can trust the Williams Agency after seeing testimonials from hundreds of their neighbors. The folks who rave about the great service, great prices and the benefits of dealing with an honest, trusted agent are great advertisements for the agency. Many of these same folks were the ones who recommended them to the Williams agency to start with.

Pennsylvania Car Insurance – We Offer Peace of MindBuck and his owners have the peace of mind that comes with knowing an agent who really cares is looking out for them. The trust that comes from knowing your agent will be the first to call you when prices go up or an important coverage becomes available is hard to put a price tag on. The fact that the Williams Agency is the fastest growing agency in the county comes as no surprise to the clients who’ve trusted their security to them.

Pennsylvania Car Insurance – Save MoneySaving money has become priority number one in these economic times. Having an agent who is constantly searching the market for new, innovative products and discounts is a valuable bonus. An agent who will automatically check around for prices on your insurance when it renews is almost unheard of. Rest easy and feel secure when you deal with an agent who has your best interest at heart.

These types of benefits are some of the things that make the Williams Agency a leading provider of Pennsylvania Car Insurance.

via Insurance :: Pennsylvania Car Insurance | ArticleBiz.com.

Insurance :: Car Insurance Savings Tips | ArticleBiz.com

Car insurance premiums are partly based on factors under your control and partly on factors outside your control. It is pointless getting stressed about the latter, but knowing which factors under your influence affect premiums can help you change your behaviour and secure cheaper insurance. There are four tips for reducing your car insurance premiums:

Tip 1 – Drive Better

Many people think that having car insurance gives them the liberty to drive recklessly because they will be covered for damages if there is an accident. This kind of attitude to driving is not only dangerous it is also very costly. Auto insurance companies give good drivers better premiums and some even refund clients who go without claiming for a couple of years. Traffic offences also factor into how much insurers charge you. If you are caught for driving under the influence of alcohol and are convicted, you are guaranteed to pay more for your car insurance than other drivers for the rest of your life. It is highly recommended that young drivers take a defensive driving course after getting their license. Young male drivers are seen as very high risk drivers by insurance companies and are either given very high premiums or a turned down altogether. Some insurance companies will give drivers discounted premiums for having completed advanced driving courses.

Tip 2 – Increase your deductible

Your deductible, also referred to as your excess, is the amount of money you need to pay for losses before your insurance policy starts paying out. By choosing a high deductible you are taking more risk onto yourself. Insurance companies will reduce your premium if you increase your deductible and likewise increase your premium if you opt for a lower deductible. If you are a good driver and you have some money saved that could cover a higher deductible then increasing the deductible is a good option. The amount of money that you save on your premiums could equal your deductible after a year or two.

Tip 3 – Buy a less powerful car

Cars with big engines that can reach higher speeds than an average mass produced vehicle are deemed high risk by insurance companies. There are two main reasons for this. The first is that cars that can go very fast tend to be driven very fast. Fast cars have a higher risk of being in and causing accidents so insurers make you pay more for insuring these types of vehicles. The second reason is that most cars with powerful engines are more expensive and have a higher risk of being targeted by car thieves. In this case your premiums are higher not because of your behaviour but because of the behaviour of criminals.

Tip 4 – Group your policies together

Insurance companies have a lot of costs that exclude the payment of claims made by their clients. A large chunk of their expenses is due to administrative and marketing costs. These costs are included in the premiums policy holders pay. By taking out a car insurance policy with one insurance company, a home insurance policy with another and a life insurance policy with yet another means that you will be paying for the administration and marketing costs of three separate companies. By grouping your policies together and using only one insurance company you will be saving money for the insurance company and they will reward this by giving you lower premiums.

via Insurance :: Car Insurance Savings Tips | ArticleBiz.com.

Insurance :: High Risk Car Insurance – Try to Buy the Best Policy & Not the Cheapest One | ArticleBiz.com

The insurance companies categorize some drivers under the head of ‘High risk drivers’. Now who make it to the list of the high risk drivers? The high risk car insurance companies calculate the risk factor on the basis of some crucial determinants. The age and the driving record of an individual play a key role to decide if the person can be considered a high risk driver. Generally, the teens are enlisted in the high risk category as they lack in experience and are easily prone to distraction. The car drivers are well aware that this sort of insurance is very expensive. What they are unaware of is they still have a scope of having access to an inexpensive high risk car insurance by following only four steps.

Safe driving is what can keep one’s driving record impeccable. A crystal-clear driving history compresses the volume of premium to a considerable extent. If your driving record is not soiled with any sort of accidents, you will be regarded as a responsible driver. In such a case, the cost of a high risk car insurance policy is likely to go down.

If you are a senior citizen and are over the age of 65, you can effectively save money by availing the discounts on offer by some companies. But you need to have a long time association with the insurance companies to get this offer. The insurance companies regard the long-term clients as the loyal customers and some of these companies proffer up to 15% discount for them. The discount will definitely help you save a lot on the high risk car insurance premium in spite of your high risk status. The teens who are doing well in their exams can get discount on the auto insurance high risk. So, earning the tag of a high risk driver does not nip your hope of getting a suitable and inexpensive car insurance policy.

The high risk car insurance premium will likely to go down if you include a person with an unblemished driving record in your policy. For the teens, it is better to add their parents or young adults in the insurance policy to offset the exorbitant fees that apply to the auto insurance high risk policies.

As you are looking for an affordable policy, so you must do some sorts of market research to know the rates of different high risk car insurance offers. Keep in mind, a policy that comes easy on your pocket but does not provide the sufficient coverages can not be the perfect fit for you. In other words, a cheap policy can not always be regarded as the best policy. Moreover, all the insurance companies do not offer the high risk car insurance policies. So, fist make a list of the reputed companies that provide the auto insurance high risk. Then compare the facilities and rates of these policies to grab the best offer that saturates your needs but does not require you to go beyond your budget.

via Insurance :: High Risk Car Insurance – Try to Buy the Best Policy & Not the Cheapest One | ArticleBiz.com.

Insights On How To Decrease The Pricing Of Auto Insurance For Teens

Now that your parents have already decided to buy you a brand new car, you should look for the best auto insurance for teens offered by a reliable insurance agency. Before achieving your dreams of going on exclusive road trips with friends and becoming the king of the road, you would need to acquire this important document first. You would never be authorized to drive and to hit the road without auto insurance, so you should find a company that offers car insurance for teens at affordable rates.

If you want to locate cheap insurance policies for teens, you should read this article. All the important tips and hints needed for lowering down the premiums of auto insurance policies for teens and locating companies with the cheapest auto insurance for teens would be discussed in this comprehensive article.

Piggyback on your parents’ insurance policies

The best way to lower down the cost of having your car insured is to convince your parents to add you to their insurance policy. Instead of buying a separate insurance policy for your use, it would be less pricey to include yourself in your parents’ policies.

If your parents have agreed to do this, you should tell them that they need to inform their insurance agency about adding you to their policy. If they fail to inform their insurance agency about this, it could affect the amount of coverage they would get when they start filing important insurance claims.

Get to know more about discounts

Once you have chosen the best insurance agency that offers auto insurance for teens, you should know more about some of the discounts they offer. Some companies offer as much as twenty-five percent discounts for students who have managed to maintain a B average. If you have good grades, you should ask about this particular discount in order to have the chance to avail it.

In addition, insurance agencies usually offer cheaper policies for teens and adults who were able to undergo a driving safety training course. Since they have been trained to drive safely at all times, they would be considered as safe risks by various auto insurance companies. Hence, if you want to lower down the cost of your auto insurance for teens, you should consider undergoing a driving safety course before acquiring auto insurance.

Choose the right vehicle

If you want to find the cheapest insurance for teens, you should also look for an insurance-friendly vehicle. Do not purchase automobiles that attract thieves and cars and that are very expensive to maintain and repair. Your insurance premiums would definitely be less expensive once you purchase the right car model and brand.

These are only some of the best ways to lower down the cost of your insurance premiums. By keeping these tips in mind, it would become much easier for you to find the cheapest auto insurance for teens out there.

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John has been writing articles online for nearly 4 years now. Not only does this author specialize in fitness and wellness, you can also check out his latest website on buying you children their first car insurance and finding auto insurance for teens.

via Insights On How To Decrease The Pricing Of Auto Insurance For Teens.

Can the premium rated of car insurance be lowered?

Car premium expenses can be a cause of concern especially when these premiums tend to keep on increasing. However, there are some ways in which you can certainly lower the amount of monthly premiums that you need to pay. I would like to share some of those ideas with you so that you are able to reduce the cost of car insurance premiums.

It should be noted that the calculation of the insurance premium is rather complex and can sometimes be incorrect. There are a number of reasons why these calculations can go wrong. You should check that the NCB has been applied correctly. If your car was driven by your children who were under age and therefore the premiums for the insurance of your car are high, then you would like to consider if your children are still underage for if they even drive the particular car. You can certainly contact your insurance company and discuss this fact with them. It should be noted that the main driver of your car should be correctly conveyed to the insurance company. If a female is the main driver then the premium rates may vary. Your age is also an important factor for deciding the monthly premiums and you have crossed 50, you may get a discount. In some cases you birth date can be incorrectly recorded, which basically implies that you might be missing the discount.

Sometimes, it so happens that people tend to over insure their car. Some people might suggest that companies often tend to levy a higher insurance premium on your automobile, for their own profits. So, before deciding on the premium rate of your car you should conduct a proper research on the market prices of the premium suitable to your car. Sometimes this makes quite a bit of difference in the premium rates. You should also check if the company offers discounts for employing multiple policies, if you have.

Once you have understood the cause of the applied premium rates for your car, you can surely scout around in the market so that you can make a correct assessment about the root cause of the problem. You can then consult your company or any other experts in the car insurance premium policies for methods which you should employ for lowering your car insurance premium.

I hope you have understood it does not obligatory to shell out a concentrated amount of money for employing a decent insurance for your car.

via Can the premium rated of car insurance be lowered?.

5 Quick Ways To Reduce Your Auto Insurance Premium

Looking for ways to reduce your auto insurance premium? The auto insurance rates can spiral depending on factors including age, past conduct, and other factors such as credit history. However, the trick is to find ways to reduce the annual payment off. We started for the 5 fastest ways to reduce your auto insurance premium.

Tip 1: Increase your deductible

Stop trying to get the lowest deductible, instead of going in a better payment plan pocket. Deductible is the amount you pay before your insurance policy kicks in. This is an easy way to reduce the amount of the premium of your newspaper, however, is clear in this case, if something happens to your vehicle – You Need more nuts to cover the initial expenses, prior to entering a claim.

Tip 2: You can park your car in a garage

One of the simplest ways to reduce the insurance premium is to park your car in a garage, personal or commercial establishments. This helps to draw in some cases nearly 20% of the premium. In a garage, the chances of getting your car stolen or sideswiped are considerably lower. An operation in a garage could cause a difference between a rate and a normal rate.

Tip 3: the tower and negotiate

Nothing better than the traditional shop to negotiate. Make sure you have at least three to four awards with you, before placing it on the service provider. Make sure you do not buy for the price, but the entire business.

Tip 4: Take a defensive driving course

Few people realize that. By volunteering for a state approved defensive driving course, you can enjoy premium discount of 10%. But check with your insurer in this regard.

Tip 5: Reduce Coverage

Well, the reduction in coverage is perhaps the easiest way to reduce your auto insurance premium. However, we suggest you exercise caution and prudence, in making that decision. This could save money, but also limit coverage.

Learn More On Insurance About Insurance Insurance Quotes

via 5 Quick Ways To Reduce Your Auto Insurance Premium.

Car Insurance Tips – All You Need To Know Before Buying Insurance Premium

You can drive really carefully but still you won’t be insured from

accidents, no one do. They are natural part of life. You can’t control

other

driver’s behavior or extremely bad weather conditions. Nowadays car

insurance is obligatory thing, every year happen more than six million car accidents, and that’s statistics only for USA! But before you consider buying one for yourself, look at these fundamental tips, they will help you to buy cheaper and better car insurance.

First of all, and most importantly – be ready to spend your time finding a lot of different car insurance companies. Contact them and ask about policy details, types of coverage and prices. Do not buy insurance right away, after finding 2-3 companies. There are thousands of car insurance corporations, who are eager to get you as a client and help. You can save up to 500-600$ on car insurance; you just need to spend few hours searching for a good one. Yes, you heard me right!

Filling forms and talking on the phone can become really boring, but look at it this way – you can “earn” up to 500$+ in just 2-3 hours! That’s 166$+ per hour! But keep in mind, that cheapest quote will not always be the best value for you. Also good idea would be to ask friends, family and  colleagues about their insurance; someone could have experience in this area.

Cost of the insurance premium can vary a lot, it’s based on your vehicle

details, you age, your gender, area of living and some other things.

Here is the some useful info you need to know: If you are male you will

pay

more than a woman for car insurance, it’s proven that women usually are

calm

and safe drivers. (Sorry men!) Also if you are under the age of 25, you

will

pay much more than your older colleagues. Married men will pay less;

statistics show that they are less likely to get in car accidents. If you

leave in the city with huge traffic and high population, car insurance

quote

will cost more than for countryside people.

Yes, you probably can’t change those factors, but before buying new car,

you must read this information! Red, yellow and white cars are much

likely

to get in road accidents, so insurance premium will be higher. Generally

insurance price for older cars will be higher as well.

And keep in mind, if you want to have a sports car or luxury car, be

prepared to pay for a premium at least two times more than you should pay

for an ordinary vehicle’s insurance.

Be aware that “clean” driving without any tickets will be rewarded – not

only premium cost will be lower, but also you will receive monthly

discounts

(of course if you will keep driving safe and clean throughout the year).

So

think again before drifting or racing in the city, it will not pay off.

Follow these simple tips, do some research and be ready to get nice and

cheap car insurance, it is worth your efforts!

via Car Insurance Tips – All You Need To Know Before Buying Insurance Premium.

Definition of Bodily Injury – Law – Personal Injury

Definition of “bodily injury”

A quick check on the Internet leads to many sites that provide definitions about injuries. However, the only definition that counts after you’ve been in an auto accident is the one listed in your auto insurance policy.

Check your auto insurance policy

Here are a couple of examples of General Definitions taken directly from auto insurance policies:

* Bodily injury means bodily injury to a person, including resultant sickness, disease or death.

* Bodily injury means any bodily injury, sickness, disease or death sustained by any person.

Bodily injury refers to injuries sustained

There you have it. Bodily injury is damage to your body that may show up now or later as injuries, illnesses, diseases, or even death. Bodily injuries are specific to something that happens to you that results in damage. Those injuries can be to the body, mind, or emotions, as opposed to an injury to property.

The most common forms of bodily injury are injuries to the neck and back (commonly called whiplash) or simply bumps and bruises.

Insurance companies may refer to underlying injuries as soft tissue damage. More significant injuries affect the limbs, brain and head, or spinal cord, and can cause a lifetime of damages. Here you will require Vancouver WA Personal Injury Lawyer to fight for justice by providing enough proof.

Reaction at the scene of an accident

At the scene of an accident, the adrenaline kicks in. Your body’s natural reaction is “fight or flight”, and most people are just scared and shook up, not always aware of what could be serious injuries.

So when you suffer bodily injury, protect your rights by the words you use. Instead of saying, “I’m fine,” just say something like, “I’m not sure… it’s all so sudden.” After all, how can you really tell in the rush of that moment?

Damages may not be visible

The thing that most people may not realize until later is that physical damage may not be readily apparent. Even broken bones might not be noticeable. In cases of whiplash, there may be no bruises or scraping, but the ligaments, connective tissues, and muscles may have been stretched and snapped to the point of damage that is not immediately evident. Such injuries may not be identified without an x-ray, MRI, CAT scan, or other diagnostic tools.

So what is personal injury?

The term “personal injury” is often used by victims to find an attorney who specializes in such cases, as our office does. Think of personal injury as an “umbrella” term that covers not only your bodily injuries, but other damages as well.

Educate yourself about your rights in an auto accident

Everyone deserves to find out if they have a claim. It’s better to learn about your rights sooner than later, though. For example, even in a simple conversation with an insurance company, you may say things that later might make it difficult to reach a favorable settlement. That is true whether you are talking with your own insurance company of the one that represents the other driver.

It’s better to consult with our offices immediately after the accident, to protect your rights and make sure you see medical providers who truly care about your injuries and are careful to document their findings.

My next blog will discuss some of the damages other than bodily injury that can affect your claim.

via Definition of Bodily Injury – Law – Personal Injury.

Steps to be taken in case of car Accident

We any ways have to be careful in our day to day life, but unluckily bad things do happen. Follow the below given 13 steps if in case you come across any car accident:

1. First thing you need to do is to notify the police on time and call ambulance if in case of serious injury.

2. Do work together with the accessible authorities who come to the scene.

3. Take based on reason steps to safe guard your vehicle from any other loss. Consider moving it out of the traffic.

4. Further try to record every thing what every possible on the scene. Your notes should carry the details of accident, recognition of the autos and people available, and the names and badge numbers of all urgent situation personnel. Take pictures in case possible.

5. Insist on breath tests if you estimate drugs or alcohol are involved.

6. Do not agree on money in any case. Do not confess fault. Do not agree on fail to notice about the auto accident.

7. Have a carbon copy of all police reports.

8. Have the insurance company inspects and evaluates the scratch before any steps are taken to repair it.

9. Cooperate with the auto insurance carrier agent in the examination, protection or settlement.

10. Send your car insurance carrier copies or lawful papers received in relations with the accident as soon as possible. Be sure you keep the originals copy with you.

11. If you are injured, submit to physical tests by physicians selected by the insurance carrier as commonly as they reasonably require. (The insurance carrier do pays the cost of these examinations.)

12. Give your support for the car insurance carrier to get medical reports and other applicable records.

13. Now its time to file a claim.

14. After filing a claim you require to keep a record of expenses you incur as a result of an auto accident, as it may be repaid under your policy.

15. Store copies of all the paperwork in your own managed files. You might be required to refer to it later.

via Steps to be taken in case of car Accident.

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