Car Accidents and Lawsuits In Arizona – Is It My Fault
Reader’s Question:
What if I got into a car accident in Tucson, Arizona and someone sues me, what if I think the car accident is my fault, should I say so?
Bryan
Tucson, AZ
The Arizona Motor Vehicle Division (MVD) wants to make sure that everyone on its roads is protected and safe. For that same reason, it requires that all vehicles, including motorcycles, mopeds, and golf carts, be covered with liability insurance from a company that is authorized to provide the service in Tucson, Arizona.
If you get sued, contact your insurance agent and your lawyer right away. Normally, your car insurance company will assign a lawyer to handle your case. But, if you are sued for more money than the coverage of your policy, you may need your own attorney too. In addition, car insurance company lawyers do not handle traffic citations or criminal cases, such as hit and run charges. If you have been charged with a crime and cannot afford a lawyer, call your county’s Public Defender. You may qualify for free assistance, depending on your income.
If you have been involved in a car accident, do not volunteer any information about whose fault the accident was. You may think you are at fault and then later find out that the other driver is as much or more to blame than you are. Before taking and admitting your fault, you should first talk to your car insurance agent, your lawyer or both before taking the blame. If you confess anything to the police or the other driver it can be used against you in the court. Do not agree to pay for car damages or sign any paper except a traffic ticket until you check with your car insurance company or your lawyer.
18 Year Old Driver Auto Insurance Discounts in Florida
Reader’s Question:
I am an 18 year old male driver in Florida and I would like to know if I will now get lower auto insurance cost since I am now legally an adult?
Adams
Delray Beach, FL
No, it is doubtful that you being 18 years old will lower your auto insurance rates. Though you are technically an adult you still only have a couple of years of driving experience and therefore still a high risk to an insurance company in Florida. If you are no longer in school then you may lose a good student discount and at 18 your car insurance rates could go up.
Typically car insurance rates for young drivers go down once you turn 25 years of age. Some insurance companies may lower their car insurance rates at an earlier age, such as 21, but normally 25 is the age at which rates lowers since statistically that is when motorists tend to mature and become less of a risk.
You may speak to your car insurance agent about what your insurance carrier’s guidelines are regarding car insurance discounts and also about their rating system as it relates to how many years you have of driving experience and how old you are.
Cheap Teenage Driver Car Insurance In Kansas
Reader’s Question:
I will be adding my teenage son under my car insurance. I’m a single mom. I’m afraid that I might be paying more than I could afford on my premiums once I’ve added him under my policy. I’m hoping you could teach me ways on how to get cheaper insurance rates in Kansas City. Can you help me?
Ruby
Kansa City, KS
I do understand where you’re coming from. I dreaded the moment too when I’ve added my daughter under my car insurance’s name. But you really don’t have to worry a lot. There are some factors you need to consider to help you get cheap car insurance rates for your teenage driver:
1. Check the available resources online. It’s always cheaper to get quotes online than from an insurance agent. Why? Less money is involved in running a website rather than paying insurance agents.
2. Make sure your teenager is studying more rather than partying at night. If he got good grades in school, then he’ll qualify for a good student discount.
3. Has your teen completed a defensive driving or safe driving course? If yes, then you can get as much as 15% discount off your premiums.
4. Is you teen’s car equipped with anti-theft devices? The more safety features a car has, the lower your rates will be.
5. Is your teen going to drive an inexpensive car? The lower the value of the car, the lower the rate of your premiums.
One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.
Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums. People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.
Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:
1. Military personnel
2. Good grade students
3. Union membership and bank member affiliations
4. Safe drivers with no claims in last 7 years
5. Defensive driving school attendance
6. Clean credit history – used by many carriers to determine payment risk
Start surfing the net now and you can easily compare quotes in Kansas City. You’ll be shocked on how rates vary from one company to another. I wish you luck in shopping online.
Who Has The Cheapest Georgia Car Insurance Rates?
Since 1990, Georgia car insurance has been among the cheapest of in the entire country, and the residents of that state have enjoyed their relatively low premiums, especially after the rapid rate doubling of the eighties. In 1989, they had finally gotten fed up with the rising rates and had called for reform. The insurance commissioner of the time got replaced with a different one, who was given the power to decide when car insurance companies could or could not raise their rates. And then the rates just dropped.
Now, some folks in Georgia are wondering if those good times have come to an end. A part time insurance agent, part time state representative has proposed another reform to the state’s insurance law which will actually reform it back to where it was before, with the commissioner not having the power to approve car insurance rate raises before the companies get to make them. The companies will be able to raise rates on their own.
The representative and his supporters say that this proposal will do well for Georgia’s economy. They say it will make car insurance companies more competitive, and will probably end up pushing the rates even lower. And, they say, if all else fails, the commissioner may not be able to approve rate increases, but he can still veto them after the fact.
However, opponents say that the rates would not go down if this proposal went forward. Everyone with a car has to have car insurance in Georgia, so these companies would be able to charge whatever they felt like because the customers don’t really have a choice. They say that the companies are only looking for a reason to get to raise the prices, and the way things are going now are just fine.
Cheers,
Fashun Guadarrama.
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