If you get into a car accident with an uninsured driver and the accident is the other driver’s fault, will your property damage coverage pay for the cost of repairs to your vehicle?  Unfortunately, the answer is no.  Property damage coverage protects you for damage that you may have caused to the vehicles or property of others.

In order for your vehicle repairs to be covered in the event the driver at fault is uninsured, you would need to have collision coverage on your auto insurance policy.  Collision insurance pays for damage to your car resulting from an automobile accident regardless of who was at fault.  If the other driver was at fault, your auto insurance company may try to recover the amount they paid for your damages from the other driver or his insurance company.  A standard collision automobile insurance policy will pay for any repairs up to the actual cash value of your car.

It is important to remember that this value can be significantly lower than the cost of replacing your vehicle or the cost of replacing your car loan balance.  If your car is financed or leased, you will need gap insurance to reimburse you for the difference between what you owe and what the car is worth.

Collision coverage usually also comes with an insurance deductible.  It’s the amount of money you pay toward repairs before your collision insurance kicks in.  The higher the deductible you’re willing to pay, the less the collision policy will cost.  Also, while collision insurance coverage is not required by law in any state, if you’re driving a car purchased from a dealership or financed through a lender, you may be required by the dealership or lender to carry collision insurance.

Uninsured coverage or underinsured coverage, also known as UM or UIM, provides coverage if an at-fault party either does not have insurance, or does not have enough insurance.  Simply put, your insurance company pays your medical bills and then would subrogate (or to act as a substitute) from the at fault party.  The definition of an uninsured/underinsured motorist, and corresponding coverage, is set by state laws.  You can check with your state’s department of insurance or with your auto insurance company to find out more.

NOTE: The purpose of this article is to provide general information on the law, which is subject to change. If you have a specific legal problem, you may want to consult your lawyer.  For any auto insurance related questions, you may wish to consult your insurance company or insurance agent.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Whether your area is susceptible to flood water from heavy rainfall or hurricanes, there are steps that a car owner in a flood-prone location can take in the event his or her vehicle becomes flooded.

If you car has been underwater, one of the first to do is to contact your auto insurance company.  Next, you should try to determine the height of the flood waters that have engulfed your car.

If the water is as high as the mid-point of the car tires or higher, you shouldn’t try to start your car.  Doing so may cause more damage.

Once the floodwaters subside, you can have your car towed to a National Institute for Automotive Service Excellence (or, ASE) certified technician who can inspect the vehicle for unseen water damage.  However, before having your car towed, be sure to check with your auto insurance agent or company – they may have specific requirements on where to send your car.

If you don’t happen to have your auto insurance papers in hand, you should contact your automobile insurance company through their toll-free number.  If your car is under water or is partially submerged, try to think of any items that may be damaged and be sure to relay that information to your auto insurance agent.

If your vehicle is a victim of flood waters, it is important to immediately contact your auto insurance company and give your agent as much information as possible, so they can process your claim and assist you with information on repairing or possibly replacing your flood damaged car.

NOTE: The purpose of this article is to provide general information on the law, which is subject to change.  If you have a specific legal problem, you may want to consult your lawyer.  For any auto insurance related questions, you may wish to consult your insurance company or insurance agent.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

As each year passes, the number of mature drivers on the road naturally increases.  As the number of mature drivers grows, this increase adds another dynamic to the challenges faced by aging automobile owners.

There are several driving tips that can be helpful for mature drivers.  One of the easiest tips to implement is planning.  Even younger drivers can benefit from this practice.  By planning your drive, you can increase your safety and even have some fun along the way.  The following tips are a good start in helping you to stay safer on the road:

Rush hour traffic – avoid it.  It may seem like common sense, but it is advisable for mature drivers to avoid rush hour traffic if you don’t need be on the road during these times.  This includes traveling during peak hours and over major holidays.

Drive during daylight hours.  Poor visibility and fatigue can be a problem for all drivers, even more so for mature drivers.

Don’t drive during bad weather.   If driving conditions are bad due to inclement weather, it’s a good idea to wait it out.  After all, it’s better to arrive late or to even reschedule the trip than for you to get into an accident.

Don’t take unnecessary trips.  Make a list of errands and map them out before leaving home.  Try to group errands into one area if possible in order to cut down having to drive back and forth.

Chose parking wisely.  Try to park in lots or in spaces that have easy access and good visibility to avoid difficulties in backing up or trying to maneuver out of tight spaces.

NOTE: The purpose of this article is to provide general information on the law, which is subject to change.  If you have a specific legal problem, you may want to consult your lawyer.  For any auto insurance related questions, you may wish to consult your insurance company or insurance agent.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Emergency roadside service is exactly what its name implies. Although roadside service is recommended for everyone; it is especially crucial for those who do a lot of driving; especially in more remote areas. Depending on your provider it may be called something else such as roadside assistance or motor club, but they all serve the same purpose; to get you out of a jam.Depending on your provider, actual coverage may vary; but most plans include the cost to cover a flat tire, retrieving your keys from inside your vehicle, running out of gas, jumpstarting your vehicle, or towing your car to one of the nearest service stations. Some companies offer additional coverages such as an arrest bond for traffic related offenses or trip interruptions. Trip interruption coverage is becoming more common and it covers any unintended interruptions during your trip. These can include reimbursement for meals, lodging, a rental car and other related travel expenses. In order to receive these benefits you usually have to be more than a certain number of miles away form your home.

Under most emergency roadside service plans, your immediate family is covered as well. Usually this would include any spouse, children, siblings or parents. The coverage applies to the vehicle that is listed on the policy and generally is not transferrable.

Roadside Assistance is a very valuable coverage. It gives you piece of mind when taking your next road trip. All you have to do if you’re in a jam is call your service provider and explain the situation and wait for help. In most cases you can add this to your policy for just a few dollars a month. Check with your local agent to see the rates and coverages available to you.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

A Reservation of Rights letter will be sent to you if there is a potential conflict between you and your insurance company while a claim is open. A Reservation of Rights letter does not automatically mean there will or will not be applicable coverage. It simply means that your insurance company is “reserving their rights” to make a formal decision on the claim until the issue is cleared up.

All insurance policies have a list of acts and events which are covered, as well as a list of excluded ones. If you look in your policy jacket, it is quite easy to find and understand. Depending on your carrier, exclusions may vary, but for the most part they are the same across all companies. Here are eight common exclusions likely found in your auto in insurance policy.

1.  Bodily injury or death caused while you are using your vehicle to carry people or property for compensation or a fee. In other words, don’t use your vehicle for any business reason if you do not have a commercial policy.

2.  Liability assumed under a contract.

3.  Bodily injury or death to an employee.

4.  Bodily injury or death caused by an intentional act.

5.  Damage to property owned by or rented by the insured person.

6.  Bodily injury or property damage resulting from your operation or use of a vehicle owned by you, other than a covered vehicle.

7.  Bodily injury or death or property damage resulting from a relative’s use of a vehicle, other than a covered vehicle, owned by a person who resides with you.

If you receive a Reservation of rights letter from your insurance company, it is best to call and speak to your claims adjuster or agent to make sure you fully understand the situation.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Do you need auto insurance if you have a learner’s permit?  This is a question that comes to mind for most young drivers and their parents.  The car that the permitted driver practices in (with a licensed adult) must be insured. 

This means that if a driver has a learner’s permit and will be learning on his or her parents’ car, it’s the parents’ insurance that will cover the driver during this time.

Whether the permitted driver is required to be a listed, rated driver on the insurance policy depends on the state and the insurance carrier. This should be verified with the insurance company.  For example, the parents of the permit driver may need to formally notify the insurance company that their son or daughter has a learner’s permit and will be driving the family car.  Most insurance companies do not charge extra during the learning process, but will begin charging when the student driver becomes a licensed driver.  Families should always contact their auto insurance carrier to make sure that all drivers are covered.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Hopefully you’ll never be required to have an SR-22 filing. An SR-22 is not a type of insurance, but rather documentation proving you are insured. Typically, a driver is required to have an SR-22 filing if they have been a habitual offender of traffic offenses, been convicted of a DUI or been caught driving without insurance.

An SR-22 filing is proof that you carry the required insurance for your vehicle and if sought, must be filed with your state’s Department of Motor Vehicles. SR-22 requirements and procedures vary by state. If you are required to file one, you must receive it from your insurance company. However, not all companies issue them. And if they do issue them, they may not issue one to you. Each company can use its own discretion to whom they decide to issue these SR-22’s to.

There are a few states that do not require an SR-22 filing. They are Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania. However, if you have an SR-22 and move to one of these states, you’ll have to continue to meet the requirements from the state where the SR-22 was issued. If you are required to have an SR-22 filing, you don’t have to carry it on you at all times. Since it must be filed with the State’s Department of Motor Vehicles, it is on your record, which is accessible to all law enforcement.

Hopefully you won’t have to file for an SR-22, but if you do, check here for some good rates.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Whether Hurricane season is in full effect or not, taking preventative measures is the best way to minimize any potential hurricane related damage and reduce any insurance claim you may have to file.

There are many things you can do as a safety precaution when a Hurricane or tropical storm is approaching your area.

Tie down all loose items. Before the storm approaches make sure to move all loose outdoor items inside somewhere safe. If you are unable to move them indoors, make sure to securely tie them down. One of the most dangerous elements of a Hurricane is the debris that flies through the air.

Secure your hurricane shutters and/or plywood. When the storm is approaching, make sure your shutters are ready to be put up or you have sufficient plywood to cover all of your windows. If you use plywood, try and make sure your holes are pre-drilled; so when the time comes you can put them up quickly and move on to another area of preparation.

Take photos. Make sure you have a lot of photos of your house before the hurricane hits. Be sure to include photos of the exterior of your home as well as the interior. Have pictures of fixed items like the structure and windows but also make sure to include photos of expensive household items and personal keepsakes. This will help expedite any potential insurance claim

These are just tips to protect your house’s exterior, interior and valuable items. The most important safety precautions you should take are for yourself and loved ones. Make sure you have a proper Hurricane plan that all family and household members know and are ready to implement.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

First off, don’t drink and drive. Driving is a privilege and should not be abused. If you are given a driver’s license, you are given a responsibility. That is to do your part to keep the roads as safe as possible for you, other drivers, pedestrians, fixed property and anyone or anything else on the road. Driving drunk is NOT responsible and comes with very serious repercussions. Aside from jail time, court/lawyers expenses, tickets and a suspended license, a DUI will seriously affect your auto insurance rates.

If you are served with a DUI, in all likelihood your insurance company will find out. There are 2 things that they will usually do. The first is to raise your rates, usually substantially. The second is that they may just drop you and cancel your policy. In addition you will be labeled a “high-risk” driver.

When the time has come when you are able to get your license reinstated, the DMV will require an SR-22 filing. This is a Proof of Insurance certificate provided by your insurance company showing the state that you are insured. However, many companies do not offer SR-22 policies due to the high risk. Even if the company does offer SR-22 policies, there is no guarantee that they will give you one. Remember, these SR-22 policies come with a much higher premium than a regular policy.

That being said, driving under the influence is a serious matter. The consequences are many and affect you in different ways. Do your part and be a safe, conscientious driver, and you shouldn’t have to worry!

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

It’s very important to prepare your teen driver for getting their driver’s license. A study conducted by the National Highway Safety Administration showed that 16-24 year olds account for 25% of overall traffic deaths. This is a scary statistic. However, as a parent there are many things you can do to teach your teen driver how to be safe and responsible on the road.Many teens feel empowered when they receive their license and do not realize the responsibility that comes along with it. Often teen drivers look at driving as a social event. This type of attitude can lead to bad driving habits and ultimately lead to traffic accidents.

Here are some tips to help educate your teen driver and make their driving experience safer for everyone.

-Limit Distractions. Nowadays there are too many distractions for drivers. These include making a call, sending text messages, listening and changing songs on your iPod, talking to friends, eating, applying makeup and much more. Create a driving environment for your teen that excludes anything that can be a potential distraction.-Is your teen driver mature? Just because they reach the state minimum age required to obtain a drivers license, doesn’t mean they should automatically get one. If your teenager is not mature enough to handle the responsibilities of driving; then it is best to wait until they are.-Lead by example. Most teen drivers inherit their driving skills from their parents. —–They’ve spent the first 16 or 17 years of their life being a passenger in your car. It is very likely they will pick up your driving habits, good or bad.

-Stay involved. Just because your teen driver has passed the test and received their drivers license does not mean they are expert drivers. They still have a lot of learning to do. Stay actively involved in teaching and monitoring their driving skills.

-Make them earn it. Involving your teen driver in the finances of owning and driving a car is a great way to teach them the responsibility of driving. If they did not get a car, or pay for it if they did, have them contribute to car insurance payments and gas money.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.