Cheap Car Insurance Liability Coverage Only
Reader question:
Okay, I got into a car accident, and I didn’t outright cause it, but if it weren’t for certain physical limitations of mine, it wouldn’t have been as bad as it was. Will I still be able to make a car insurance claim for my injuries?
Lucy
That’s a great question, Lucy.
On every subject, there is a situation that is not as clear as others. While it is easy to say who is at fault when someone rear ends another car, it is a bit more difficult to say if someone had some sort of fault if their eyesight was not in good enough shape to be able to drive in the safest way possible on the road. If you have some type of physical limitation that makes you wonder if some of the negligence in an accident may be put on you, then this might make you think as little bit.
There are many physical limitations that have an effect on driving, and one of the main ones is eyesight. This is one reason why car insurance companies often only give discounts for senior physical car insurance liability premiums if those seniors get regular exams to make sure that they are in the best shape to be driving. There comes a point when simple corrective lenses do not work. However, most people are able to wear glasses and contacts to solve this problem. Then there are other situations–perhaps someone has a leg that shakes a little bit, which caused them to put their foot on the gas and make a accident caused by someone else worse.
There is an expectation from the car insurance company that a driver who has certain limitations will take certain measures that may be necessary to lessen or get rid of the impact that their problem might have on their driving. For this reason, there might not be an excuse if someone with very bad vision goes driving without their glasses. However, there are some conditions which may slightly worsen an accident, although not causing it, which are normally not dangerous and can not be expected to be taken care of in any other way; or if someone has already accounted for their physical limitations and is driving safely.
The truth is that the final responsibility falls on the person who caused the accident. It is their responsibility to make sure that it is safe for anyone who may be driving on the road or their property, regardless of their physical limitations. If someone plows into the side of your car, then it is not your fault that you were put into that situation, because that was due to their own negligence. Therefore, in most cases, you are not at all at fault.
However, there are some instances in which the situation may become a little more murky, such as if your problem should have been taken care of before you went driving or if it contributed more significantly to the damages. In these cases, it would be wise to hire a car insurance liability claim attorney, who can help you navigate the claims system and get the negligence quotient that you deserve.
Cheers,
Fashun Guadarrama.
Are Car Insurance Rates Falling? Should I Wait to Switch Insurance Carriers?
Reader question:
Are auto insurance rates falling in the U.S.?
Albert
They sure are.
It’s some of the best news to come out of the insurance business, and after so many years in which the rates have steadily gone up, they are finally beginning to go down. Not by too much, but in gradual amounts that are still reassuring and do make a difference. The very first drop in rates was by .3% nine years ago, and since then it has been growing. For this year, the expectation for reductions is somewhere around 3%. Again, it is going slow but the good thing is that it is going at all.
California has had some of the best results, with a 5.7% drop in insurance rates in the last year. This wasn’t the first year for rates in California to fall, but it was definitely the most successful. Other states where car insurance rates tend to be the highest, such as New Jersey, are also seeing good things happening. New Jersey alone will see a 15% decrease thanks to new state laws.
There are a lot of reasons that one might consider to be affecting the decrease of car insurance rates. One of the main ones is that there are now more people who are older than there are who are younger. The highest car insurance rates tend to belong to those under twenty five, and there are just fewer people of that age nowadays.
Another reasons is because cars are safer now. Every year a new kind of safety feature is added to the automobile market, and with things such as traction control, run flat tires, and all wheel drive, getting into a car accident these days seems like it takes a concentrated effort. Not only that, but car insurance companies provide incentives for people to buy safer cars with their discounts.
There are now more car insurance companies on the market as well, which means that the prices are going to fall due to there being more competition out there. Car insurance companies are falling all over themselves trying to come up with new discounts and innovative practices and advertising techniques to call customers. This mostly comes with companies that are now doing the bulk of their advertising through the internet, which is much cheaper and reaches customers just as well;if not better than traditional advertising schemes.
Another big factor has to do with more policing of drunk driving. Drunk driving laws are now much harder than they were before, creating larger disincentive. And the fewer drunk drivers, the lower car insurance prices.
Cheers,
Fashun Guadarrama.
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