Archive for January, 2010
*New York State Auto/Car Insurance Coverage Laws Explained
We have two types of insurance in New York State required of every motor vehicle. One deals with no fault insurance, which pays for medical benefits, lost wages, and some out of pocket expenses, regardless of fault. The other is liability insurance and they are not the same.
What I want to urge each of you, is that you cover yourself as well as someone who is involved in a car accident with you. And by that I mean, if you carry $100,000 worth of liability insurance, your protecting me, if you hit me with your car.
If you get into a collision with another car, and you only have $25,0000 worth of underinsurance coverage, then you’re protecting yourself only to the extent of $25,000. It pays for you to make certain that your underinsurance rates are as high as your regular insurance coverage. The cost is minimal and the protection is priceless.
Now with no-fault insurance your medical expenses are paid. Within 30 days of the auto accident, you are required to notify your insurance company that you have been involved in a automobile accident. They will assign a claim number to your case. You will give that claim number to any treating doctor/physician or any other medical provider and they will bill your insurance company directly regardless who is at fault in this car accident. Your insurance company will submit you to a physical examination by a doctor of their own choosing in about 30 days after you start receiving benefits.
That doctor is not there to help you, that doctor is not there to cure your illness, that doctor is there to report to your insurance company on the progress of your healing. He works for the insurance company, not you.
*What To Do After a Car Accident
If you have been injured in an accident visit our site to determine the steps to follow after a car accident http://www.stephanpeskin.com/CM/Custom/CarAccident.asp and/or download our “Accident Report Card” PDF http://www.stephanpeskin.com/CM/Custom/accidentreportcard.pdf
Call us toll-free at 877.298.3201 to schedule your free consultation with an experienced New York City personal injury/car accident lawyer.
For your convenience, we offer home and hospital visits. Our attorney and staff can provide you with the immediate attention you need to secure your rights and claims. Call today.
The New York City (NYC) personal injury law firm of Tolmage, Peskin, Harris & Falick represents clients in all five boroughs of New York (NY): Manhattan/New York County, Staten Island, Queens, Brooklyn/Kings County and the Bronx, as well as Suffolk County, Nassau County/Long Island, Westchester County, Rockland County, Harlem and throughout the State of New York.
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only cover catastrophic loss.
Can you imagine what your auto insurance would cost if you made a claim every time you got a flat or a tune up ?
Or what your home owners insurance would cost if you made a claim every time a light bulb burned out or you wanted your carpet cleaned ?
Maybe that’s the reason medical insurance premiums are so high ?
autoinsurance.bebto.com – try this one. I have their car insurance and, as I know, they can provide such a service.
A loan can be cheap only if it comes with low APR. It is the Annual Percentage Rate that reflects the overall cost of the loan. It includes the interest rate, processing fees, early repayment penalty etc. Thus, if you are looking for Cheap car loan to finance a set of wheels then you have to consider the deal in terms of the APR. Simply taking a customised option bearing the same name will not serve your purpose.
There are various factors that contribute to make a car loan deal cheap. In order to make your car loan really cheap you have to apply some methods. Your endeavour should be to save as much penny as possible. The first method you have to apply is to take secured type of loan. It comes with lower interest rate. Though interest rate is not the only cost of a loan, it reflects the major portion. So, you can curb the cost of the loan to a greater extent by keeping the interest rate low.
The other method is to check the contingency fees and to try to save as much amount as you can. Some fees are there that you cannot avoid at all. Like, if you apply for secured Cheap car loan, you have to pay the collateral assessment cost. But certain fees are there that you can do away with. For example you can take the case of payment protection insurance (PPI). If do not find it necessary then don’t go for PPI.
The next thing you can do to get a car loan at cheap rate is to search the market extensively. Existence of multitude lenders has made the loan market highly competitive. Some of them sell loans at nominal cost just to outdo other lenders. You have to hunt out such type of lender and compare them with others. The method of research and comparison has already been proved to be an effective means of availing suitable deals. Naturally, it will also work fruitfully for you.
Joanne Clive
http://www.articlesbase.com/loans-articles/effective-methods-of-availing-cheap-car-loan-113177.html
Life is to short… yes it’s true. We don’t have any idea when will the Creator take the life He given us. We don’t know when the unfortunate events, such as accidents, would strike. Accidents, particularly road accidents, happen in different states almost everyday. Here are the different types of auto insurance coverage that is right for you and your family.
You must carry auto insurance to protect yourself and your car. For those same reasons, the government also requires you to have car insurance.
In the state of Florida, there are minimum requirements that they require you to carry – the property damage and personal injury protection. Property damage covers another person’s vehicle if you are at fault in an accident. Personal injury protection covers 80% of medical expenses and 60% of loss wages as well as up to a five thousand dollar death benefit for you and your relatives that reside with you, minus the deductible if it applies. This coverage would protect you in case there is any damage to other vehicles and gives you medical coverage for yourself.
You can select from the different type of auto insurance coverage. Well it depends on what you want to be covered and what you can afford. Besides the minimum requirement coverage previously mentioned, there is another type of coverage that is very important, bodily injury.
The state of Florida doesn’t require you to have bodily injury coverage until you get into an accident. This would cover you if you were at fault in an accident and the person in the other vehicle suffered injuries exceeding their personal injury coverage. The other party has the right to see and the state may place a financial responsibility on you motor vehicle report that would last for 3 years, if you did not have this coverage. That financial responsibility is called SR22.
Another coverage is the uninsured motorist. It covers you if the other party was at fault and you were injured exceeding personal injury coverage and they didn’t have bodily injury coverage. You may see this kind of coverage to cover the difference of your injuries.
The two more important types of coverage that you might want to consider are the comprehensive coverage and the collision coverage.
Comprehensive coverage would cover your vehicle in the event of fire, theft, vandalism, hail storm damage or any natural causes minus the deductible you agreed upon purchasing your insurance. On the other hand, the physical damage to your vehicle, if you were at fault in the accident, minus the deductible, would be covered by the collision coverage. The insurance company would pay the actual cash value of your vehicle. Comprehensive and collision coverage are possibly required by your lending institution if your vehicle is financed.
Extra medical payment coverage can also be provided if you are interested. There are many types of coverage to choose from. With the help of the web, you have a vast amount of knowledge at your fingertips to help you choose the best coverage for you and your lifestyle.
All types of coverage are important, but it still depends on what you can afford. But then, having an insurance must be one of your main priorities, knowing that your life and your family are much more important than anything else.
Roxel Pudol
http://www.articlesbase.com/insurance-articles/types-of-auto-insurance-coverage-90148.html
I rear ended someone, and there was no injuries. How long will they take to get a bill from the insurance company? I called the auto body shop and they said the auto damage was fixable….
Is this a final bill…or will other bills come later?
That process is longer than you think. It may be in the shop now, but paperwork and all that can sometimes delay the submission of a bill. It could be up to 6 months, could be longer.
http://www.life-insurance-quoter.com/low-cost-term-life-insurance.php
http://www.squidoo.com/InexpensiveTermLifeInsurance
Low Cost Term Life Insurance – Does Everyone Need Life Insurance?
You might be wondering if everyone really needs life insurance, even a low-cost term life insurance policy. You realize that you need a policy to cover your car and your home, because accidents happen. But does the same hold true for life insurance? This video will take a closer look at this question and offer an answer.
Get FREE life insurance quotes to compare from multiple insurers using 1 brief form at http://www.Life-Insurance-Quoter.com.
Affordable Term Life Insurance Quote
Inexpensive Term Life Insurance
Free Term Life Insurance Quote
Free Online Life Insurance Quote
Discount Term Life Insurance
http://ezinearticles.com/?Inexpensive-Term-Life-Insurance—How-Much-Coverage-Do-You-Really-Need?
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You two better have a good car insurance company.I passed this course in the middle of 2007 and got this certificate, but i can’t use it as one of discount factors when i am gonna to buy an auto insurance. The licensed auto insurance agents told me that Defensive Driving Course Certificate can’t be used to get more auto insurance discounts for Texas? Why? It’s so weird. So, why Texans need to take that course besides for a court when i got a speeding ticket?
You can’t use it to get a discount if you used it to dismiss a ticket. And maybe your company just doesn’t offer that discount. Not all companies do, so shop around. Texans only need to take the class if they are ordered by a judge to not have a ticket go on their record.
I also find it strange that you are able to shop for rates online. Typically you can put in your information, but they cannot quote rates online for the state of Texas yet. It has to come from a representative of the company who is licensed.
The coverage levels of Auto insurance car insurance was given depending on the type of coverage purchased, while buying Auto insurance GetSafeInsurance.com car insurance the consumer may be protected against the following. That is when buying the Auto insurance GetSafeInsurance.com car insurance the cost of purchasing a new vehicle if it is stolen or damaged beyond economic repair will be covered. Next with the Auto insurance GetSafeInsurance.com car insurance the Legal liability claims against the owner of the vehicle or driver following the vehicle causing damage or injury to a third party will also be covered. Finally with the Auto insurance GetSafeInsurance.com car insurance the cost of repairing the vehicle following an accident will be covered by the Auto insurance GetSafeInsurance.com car insurance company. Auto insurance GetSafeInsurance.com car insurance is the insurance where consumers can purchase for cars, trucks, and other vehicles. Auto insurance GetSafeInsurance.com car insurance provides protection against losses incurred as a result of car accidents Auto insurance GetSafeInsurance.com car insurance companies provides lots of unparallel and also fresh qualities. to learn more about all type of insurance we cater please visit our website at GetSafeInsurance.com
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Personal finance writer Kathy Kristof helps you set reasonable goals to clean up your finances. Read more at http://bit.ly/804rTZ
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I live in New Jersey where the auto insurance is relatively expensive. However, I go to college in South Carolina where the auto insurance is a lot cheaper than in New Jersey. How can I get the cheaper South Carolina auto insurance? Do I need a South Carolina driver’s license to do this? Should I buy a car from a South Carolina dealership?
You get insurance from the place where you live. Period.
I know for sure that all of you operating courier services know exactly how important it is to have a good courier insurance coverage. It is also quite simple to find cheap courier insurance with good coverage to fulfill your needs. However, some still think of courier insurance as expensive, especially because they have to buy them at the very beginning of their courier business. It is definitely considered to be a cost instead of an investment, when it should be considered otherwise. Courier insurance will provide coverage not only for your car, but also for your customers’ goods being shipped through you. Imagine how hard and costly it is to deal with all your customers’ claims should something happen to one (or even some) of your armada. The good news is, courier insurance providers are offering competitive discounts and great rates for those of you who are looking for cheap courier insurance.
You need to insure all your vehicles. So what good can discounts do when there are plenty vehicles to be insured? Well, here comes the good news. Most of you probably do not realise about the availability of fleet insurance. Fleet insurance is basically several courier insurances combined into one insurance policy. Yes, this way, you can purchase courier insurance for all your vehicles and still get cheap courier insurance rates. The key to getting a great deal whenever you are buying courier insurance, or in this case fleet insurance, is to gain as much knowledge as possible about as many offers available as possible. Therefore, you will be in a better bargaining position and will more likely get great insurance rates.
Fleet insurance offers the same advantages as other bundled products. You will be able to buy bulk courier insurance policies at a reasonably low price. Make sure you fully understand the insurance policy offered by your insurance agent before jumping to any conclusions. It is the key to getting maximum protection at a reasonable price as well. If you don’t understand part of the insurance policy, never hesitate to ask. Interpreting the policy based on limited understanding will get you into trouble in the future. Fleet insurance should provide the same coverage as regular courier insurance, but it is designed to provide coverage for more than one vehicles.
Fleet insurance providers also give you the chance to purchase a custom-made courier insurance policy based on your courier business needs. You can reduce the cost of getting well-made courier insurance by adjusting the fleet insurance policy based on your courier business’s needs. Pay close attention to courier van or vehicle insurance, goods in transit insurance and public liability insurance policies; make sure they are protective enough to ensure smooth operation of your business.
Again, finding cheap courier insurance is really not as hard as it looks. All you have to do is take your time and do your homework. Search around for offers, and compare them closely before making any decision. Fleet insurance might be an option for those of you running a courier business with a lot of vehicles.
Eric Token
http://www.articlesbase.com/finance-articles/fleet-insurance-courier-insurance-on-steroids-755679.html
The level of auto insurance that someone might need depends on the financial circumstances of the individual concerned and the cost of the car involved. Take for example someone who has a brand new $50,000 motor, it would be sheer folly to do anything other than take out one of the best auto insurance policies available and the cost of the auto insurance is likely to be insignificant when considering the overall annual cost of the car.
However, if you have a car that is nearing the end of its life, have a low cost car and previous claims or are a new driver then the cost of the auto insurance versus the benefits you might receive need to be given greater consideration. Comprehensive auto insurance premiums are likely to be disproportionately high for older vehicles, new drivers with low cost autos or drivers with accident history.
Whatever your circumstances you are legally obliged to take out a basic level of auto insurance that will cover you against third party claims and given the level of damages awarded seem to be increasing out of control then my advice would be to get the best possible third party liability auto insurance cover that you can afford.
The legal requirements for auto insurance does vary from state to state so you’ll need to clarify the level of cover you require when taking out auto insurance but only insuring to the legal minimum isn’t necessarily the best choice to make.
If you have a lot of money sunk into your car or your auto is leased then you really should take out comprehensive and collision auto insurance to cover you for things such as fire, theft, acts of god or collisions that are your own fault.
If you live in an area where cars are regularly vandalised you might want to consider comprehensive auto insurance when perhaps you wouldn’t have otherwise done so. The cost of your auto insurance will generally be higher if you live in such an area but that is something you have to weigh up against the cost of repair.
Personal Injury Protection is something that everyone should consider as this element of your auto insurance will cover medical costs associated.
Despite legal requirements some people still persist in driving around without auto insurance leaving the others with a need to insure against the uninsured motorist. Uninsured auto insurance will cover you for damages in the event of an accident with an uninsured motorist. Again, insurance that everyone should give serious consideration to given an auto accident could leave you unable to work or your family without any means to earn.
If you want a more comprehensive auto insurance policy but want to limit the cost then you could look at opting for a higher level of deductibles. Deductibles are the amount you would have to pay before you could make a claim against your auto insurance policy and generally, the higher level you agree to the lower your auto insurance premiums.
Terry Ross
http://www.articlesbase.com/automotive-articles/what-level-of-auto-insurance-do-you-need-62121.html