Posts Tagged ‘Mistake’
Up to 73,000 novice disqualified could have illegally returned to driving over the past 10 years says a recently published report.
Since the New Drivers Act was introduced in 1997, 160,000 novice drivers have been banned – and eight out of ten of these are aged under 24. This Act automatically cancels the licences of drivers after they have gained 6 or more penalty points on their licence within the first two year after passing their driving test. The strange thing is that government figures show that of these drivers, only about 50% of them have subsequently retaken and passed their driving test.
The fear is that many of these drivers have quietly returned to driving illegally without a licence. And experience shows that those who drive without a licence are also highly likely to be driving without road tax or car insurance. And it is precisely this category of drivers who have the accident rates. They have more, and more serious accidents, than any other drivers.
Who ends up paying for these accidents? Law abiding drivers! Two million drivers are thought to be on our roads without insurance. Within the average monthly premium, £30 is costed in to pay out for accidents involving uninsured drivers. So make no mistake, law abiding drivers pay for the destruction caused by uninsured drivers.
These findings have so distressed Government Ministers that they have commissioned a review of how the law is operating. It is almost certain that changes will be made to the law to plug the loophole and introduce new ideas to encourage novice drivers to drive safely and within the law.
In 2006 the average fine for driving without a licence was £71 but bearing in mind that the cost of taking the driving test in an evening or at the weekend, is £67, the fines are remarkably low. Add to this that many of these drivers are avoiding road tax and car insurance.
Surely, fines and detection rates must be increased. Disqualified drivers cannot be identified by speed cameras and if they are driving normally it is unlikely that they will attract the attention of traffic police.
The Driving Standards Agency agrees that the law is not working as intended. When it was introduced, the New Drivers Act was designed to promote safe and responsible novice drivers whist they gain experience on the road.
The Department for Transport acknowledge this saying “The Government take the safety issues linked to novice drivers very seriously. We have already announced a fundamental overhaul of the existing testing and training system. There is absolutely no excuse for people driving without a valid licence.”
We agree but words on paper are fine only if backed up with higher detection rates and far higher fines and sentences for those caught transgressing. We suspect that the Government will implement changes to the law, but we have little confidence that the necessary support from the police and judiciary will follow. So please do not expect any reductions in your car insurance premiums!
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Michael Challiner
http://www.articlesbase.com/insurance-articles/young-disqualified-drivers-push-up-car-insurance-costs-for-all-679677.html
The auto insurance policy that you have purchased is useful only if you are familiar with the auto insurance claims. Filing an auto insurance claim is essential to cover the financial loses caused by accident, theft, vandalism, etc. People who are completely familiar with the auto insurance claims can deal with such situations in a better way. Here are some points that are essential to be considered while filing an auto insurance claim:
Find out the level of damage or injuries and call the police: Determine the extent of damage done to your car and see if anyone needs medical attention. It is recommended to call the police directly even if it is a minor accident as you would need a police report while filing the auto insurance claim.
Get information of the other driver involved in the accident: It is very important to get license plate number, contact information, vehicle identification number, and auto insurance information of the other person involved in the accident. Also give the same information of yours to the other driver. You can obtain the information like vehicle identification number, insurers’ telephone numbers, etc. from your insurance identification card.
Look for witnesses and get their contact information: If there are any witnesses to the accident, try to obtain the names and phone numbers of those who are interested in telling what they saw. Your insurance company may ask for witness statements and they can prove to be very helpful to your auto insurance claim.
Inform your insurance agent about the accident: Inform your insurance agent about the accident as soon as possible. If possible, call your agent when you are with police as the police officer can provide more accurate information to your insurance company. This step can help you in saving additional time and hassles when you file your auto insurance claim later on.
File under another party’s insurance provider: If the accident did not happen because of your mistake, you can ask either your insurance company or other driver’s insurance company to recover the damage done to your car.
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Tom Evens
http://www.articlesbase.com/insurance-articles/filing-auto-insurance-claims-727920.html
I filled out a couple quotes from esurance.com and allstate and i got like $2100 & $4100 premium 6 month payment. Does that mean its going to cost me that much for insurance for only 6 months? If so, that is insane. That would be $350-$750 dollars a month. That cannot be real. My dad gave me a quote from Allstate(thats what he has) and it was about $117.00/Mth for a Chevy Blazer for 18 Year Old First Driver. I am very new to the whole insurance thing so can someone just point me in a small direction to the lowest priced insurance with good plans. I would absolutely love to have an older car(oldsmobile, or between 60s&80s)But thats way to pricy, along with a nice sports vehicle. Because of the gas mileage and decent look, i would like a Chevy Convert Tracker. Just give me some advice if you know what im talking about. 
Thanks Much
xox Brittany xox
Excuse me for the mistake above. My fathers quote was from State farm(thats what he has).
Your father should put you on his insurance, and you pay him,you will both win with this situation if multiple vehicles are on the same contract…. that’s why the rate he gave you was so much cheaper. if your making payments on the vehicle, your creditor is probably requesting you get full coverge, which is why it’s so expensive for someone your age, if you own the vehicle out right, just get the minimum state requirements( Ca. is PL/PD )..you can also try progressive insurance,takes almost no time for a quote and they are open nearly 24/7…good luck.