What Are The Car Insurance Laws?
Reader question:
When I am filing a car insurance accident report, how will traffic car insurance laws effect who is considered to be the at fault driver?
Ronny
Thanks for asking, Ronny.
I think that one of the greatest ways to get your car insurance accident claim done your own way is to be educated. Be the smart one in the situation, and impress your car insurance claim adjuster with your knowledge. So, let’s begin. What’s a good thing to know about when you need to prove that a car insurance accident wasn’t your fault? Car insurance law and state traffic laws. State traffic laws can be the biggest factor in showing that the other driver, while they may not have been a very direct cause to the accident, was at least reckless or negligent in some manner.
Traffic laws govern the way people drive, and it isn’t very hard to find out which ones rule the roads of your own state. The information is publicly available in your local library. The listing is usually called the complete vehicle code. Other places that you can get a hold of it are law libraries (which you can find in universities, usually, and if you want to find one somewhere else, just check the yellow pages) as well as the department of motor vehicles.
How do you use the complete vehicle code when making a car insurance accident claim? It’s simple, and it doesn’t really take very much time so long as you have a clear idea in your head of the event of your car insurance accident. Just look in the index section of the vehicle code book and try to find any sort of laws that might apply to your car insurance accident claim report. These might be things such as speed limits, or right of way, or stop sign laws. Once you find the laws that apply to you, don’t just scribble a note down. For the best effect, you need to have the entirety of the wording of the law, correctly, as well as the statute number. This way, when you submit it to your car insurance company they will be able to confirm what you are claiming. It is always good to have accurate data and sources when you are using information that is not simply from your memory. It’s the same principle when they require you to submit your medical bills and statements so that they can verify your car insurance accident injury claims.
What happens if you have trouble finding the right laws to apply to your car insurance accident? All you have to do is ask a librarian to help you. They know what they’re doing. This is why I always suggest going to the library over going to the department of motor vehicles–considering that, concerning the latter, we know that they don’t know what they’re doing, and don’t want to help you.
Traffic law violations are also often included in the police report if they happen. If this is the case with your car insurance accident, then you should reference the police report. However, you might find it necessary to look up your law anyway–just for extra back up.
Cheers,
Fashun Guadarrama.
Cheap Used Car Insurance Quote – How Much Should You Spend On Liability Only?
Reader question:
I have a 1987 sedan that I don’t use, but I own it. Do I have to get used car insurance coverage for it anyway?
Sam
That’s a great question, Sam.
The answer to that is dependent on where you live, though. The state car insurance laws are pretty mixed up on this point, because some states require you to have used car insurance coverage even if your car is propped up on blocks of wood in the front yard. In New York, you have to have auto insurance so long as you own a vehicle and have the title, or are buying a vehicle, and it is of no consequence that you aren’t actually using that vehicle. In order to be excepted from this rule, you would have to give evidence through a certain form that your car is not only unused, but unusable, or that you have sold it to another person or to a junk yard.
If you don’t want to get in trouble by falling victim to a random check of car insurance, then I would advise you to do yourself a favor and look up your state’s department of insurance website to find out what kind of laws your state has concerning this.
Cheers,
Fashun Guadarrama.
No Fault Auto Insurance Quote In NJ – Free New Jersey Auto Insurance Quotes
Reader question:
I live in New Jersey and we have no fault auto insurance laws. What’s the difference between no fault and tort laws?
Hunter
Good question.
No fault laws are designed to lessen the costs upon the insurance companies and to make the whole process easier by putting the onus of the medical expenses for anybody involved in a car accident, no matter who is to blame, on the shoulders of their own car insurance company. This has resulted in a decrease in car insurance prices in most no fault insurance states. However, many experts say that this won’t last for long. No fault insurance is more likely than other types of insurance to foster insurance fraud, and New York is a great example of this.
If you live in a state with no fault insurance, you cannot sue the other party in an accident for damages and pain, or, well, anything else. You can only do that with tort laws. The idea is that the insurance company should cover everything, and that all the lawsuits are expensive and clogging up the court system. Tort laws are also kind of like at fault laws, where the one who caused the accident ends up paying out more of the money, or their insurance company does.
Some states allow you to choose one or the other. You can get no fault, and have cheaper premiums; or you can get tort, have higher premiums but still have the option to sue. Still, in some states there is a middle of the way option that involves being able to sue up to a certain threshold and getting slightly lower premiums. If you are in New Jersey, get an auto free insurance NJ quote to find out which is the best for you.
Cheers,
Fashun Guadarrama.
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