Thanks to Jerry Brown, California’s governor, Californians will be enjoying several changes in 2013 relating to their auto insurance policies. The 30th of September of 2011 was California’s last chance for approving or declining all the new insurance laws that were up for debate. In total over 20 new laws have been passed and they have become active as of January 1st, 2013. According to CheapestCarInsuranceInCalifornia.com, some of the most significant changes were made to California’s car insurance laws.
Senate Bill 1298 addresses the new and controversial phenomenon of self-driving cars. These cars have new technology built into them that permits the cars to drive themselves on roads without guidance from a human driver. While there is still much discussion pertaining to several aspects of these newly introduced autonomous vehicles, the new bill does allow them to be used on public roads. Google lobbied heavily for this law, as they are the pioneers of this new and exciting technology. It’s passage marks an important step towards the continued development and testing of driverless cars.
The National Association of Insurance Commissioners’ (naic.org) Credit for Reinsurance Model Law was introduced back in 2011, determining the criteria used by insurance commissioners in order to award certification to reinsurers. At the heart of this law insurance companies that are not authorized reinsurers may still be able satisfy the credit for reinsurance standards of their state by posting a reduced collateral. The new Senate Bill 1216 will make the necessary changes to California driving law so that the state is up-to-date pertaining to the changes made by the NAIC law two years ago. California’s version of the law allows certain exceptions pertaining to the ability for a company to receive a credit for reinsurance. This change gives California more control over which companies and reinsurance applications are approved for reinsurance.
Protections for Missed Payments
Besides the Senate Bills, a multitude of Assembly Bills also went into effect. Assembly Bill 1747 offers a reprieve for policyholders when it comes to unpaid insurance premiums. According to the new law, insurance policies must now come with a 60-day grace period where the policyholder can pay the debt owed and still be covered by the policy. Furthermore, the new bill also allows the policyholder to designate additional people that will receive a notice pertaining to the termination of the policy as a result of unpaid premiums.
New Ways to Provide Proof of Auto Insurance
In the past the only way drivers have been able to provide proof of insurance was to show paper documents provided by their insurer. With Assembly Bill 1708, auto insurance companies are now allowed to provide their customers with proof insurance as an electronic document. This enables drivers to keep their proof of insurance on their mobile devices and instructs peace officers that this is a legal and valid proof of insurance.
Protections for Police and Firefighters
Under the Assembly Bill 2298, insurance companies are not allowed to raise a police officer’s or firefighter’s private car insurance policy in response to an accident they were involved in while driving their private vehicle in the call of duty or at the request of their employer. Under these circumstances, the police officer or firefighter will also have no liability regarding loss or injury claims as the result of the accident.
Protections for Drivers with a Commercial License
Assembly Bill 1888 ensures that a driver possessing a commercial driver’s license can take a traffic violator course from a certified traffic violator school to remove points from their license that are a result of a traffic violation while driving a motorcycle, light duty truck or passenger car. The goal of this bill is provide a way for people who drive for a living to avoid the cancelation of their driver’s license resulting from the accumulation of points on their license. Insurers, however, are still allowed to take such offenses into consideration when determining insurance rates for a driver and also for underwriting purposes.
Disclosure of Requests of Compensation
This law is targeted at making public all requests of compensation made by any persons or consumer interest groups. Under it, California’s Department of Insurance must publish all such requests and their findings on their official website.Read More
Almost any contract of employment that you sign with an employer will state that they have a duty to provide you with a safe, hazard-free working environment. It’s simply their duty as an employer to do so.
Employers have a responsibility to make sure that fumes and noise are kept under control, that all machinery is maintained and tested, that there are adequate first aid supplies to hand, and so on. If conditions like these have not been adhered to, and you have been injured as a result, you have every right to make an accident at work claim.
Reporting the accident
The first step would be to notify your employers that you have been injured at work. Some businesses have an ‘accident book’ where employees record any accidents that occur. If your workplace has no such book, record the details privately.
If it turns out that you’re going to make an injury claim, have some photographs taken of the place where you were injured and try and record all the circumstances that led to you being injured. A disposable camera would do – anything that can get a clear picture.
Next, you’ll want to visit a doctor, even if your injury is not a serious one. This is to obtain a medical record of your injury. If misdiagnosis or malpractice occurs, see a clinical negligence solicitor.
You’re going to need this when approaching your employer, or when you’re working with your solicitor.
One particularly important step is to make sure that the details of the accident report are 100 per cent true. If you’ve signed a report of the accident that has some factual inaccuracies, you’ll probably lose out on the claim, and will have to pay legal fees without getting compensated for your injury.
Also, obtaining witness statements is particularly important. If there were no witnesses present when the accident occurred, don’t worry; it’s still possible to get your colleagues to be witnesses of the working environment in general, and the hazards associated with it.
Another piece of advice is to act fast – don’t let this slip away unnoticed. You may have a hard time trying to launch legal action if you’ve left it for a while.
In most cases, legal notification has to be given within three years of the accident occurring. However, there may be differences and exceptions to this rule.
Should you feel bad about pursuing a claim?
Absolutely not. As stated above, it is your employer’s duty to make sure that you have a safe working environment. Also, most businesses are under legal obligation to have public liability insurance.
This means that you won’t be putting them in a difficult position. If you’re pursuing an injury claim, the insurance they have will pay out damages.Read More
Florida is a fantastic state to live in, offering its residents warm weather year round, beautiful beaches, vibrant cities, and even Walt Disney World in its backyard. If those qualities weren’t enough, Florida also offers some of the cheapest car insurance in the United States. You might find this surprising since Florida is USA’s second most densely populated state, but the fact remains that Florida is far from the top of the list when it comes to expensive car insurance rates.
Why is there Cheap Car Insurance in Florida?
The main way Florida has managed to bring down its car insurance rates is by requiring that all it’s drivers carry “no fault insurance”. If you are a Florida resident and drive on public roads, you are legally obligated to purchase this very specific type of insurance coverage.
In Florida “No fault insurance” is a type of coverage called Personal Injury Protection (PIP). Under Personal Injury Protection insurance, if you are involved in an accident your insurance company will cover the costs of any injuries to you and/or your passengers, up to the limits of your policy, regardless of whether or not you were the cause of the accident. The only exception is if any of your passengers also own a vehicle, in which case their own Personal Injury Protection insurance would cover their injuries. It’s worth noting that Personal Injury Protection also covers injury to pedestrians and bicyclists, as well as children traveling in school buses.
Because Personal Injury Protection allows insurance companies to pay claims directly and quickly to the victims regardless of who caused the accident, they are able to avoid the additional costs of the litigation processes that are typical when there is the need to decide who was the cause of the accident. By avoiding the issue of who was at fault, insurance companies are able to avoid covering extremely expensive lawyer and court fees. In turn, these savings have been passed down to Florida’s drivers in the form of lower monthly insurance premiums.
Unfortunately, while Florida’s No Fault Insurance has led to noticeably lower auto insurance rates compared to other states, it has also led to an increased rate of car insurance fraud. In fact, car insurance fraud in Florida increased by a shocking 66% between the years 2005 and 2010. This type of fraud involves citizens staging accidents with the intent to collect on property and injury damages from their insurers. These criminal activities have been a huge financial drain to insurance companies and have kept car insurance rates from being even lower than they could be.
However, on May 4 2012 new legislation was signed by Florida’s chief executive, Governor Rick Scott, that brings important changes to Florida’s car insurance system. These changes are designed to decrease car insurance fraud by making it easier for law enforcement agencies to identify staged accidents and by requiring clinics and physicians to be more stringent in their billing practices. If these measures are successful in decreasing insurance fraud, the result will be even more car insurance savings for Florida residents in the years to come.
How to Find the Cheapest Car Insurance in Florida?
Regardless of the fact that Florida has managed to reign in it’s car insurance rates and continues to find ways to decrease it’s average insurance rates, you still may be interested in tracking down the cheapest car insurance in Florida amongst the already cheap rates insurance companies are able to offer. Here are some tips that can help:
1) Decide Your Coverage
The first thing to determine is what kind of coverage you desire. Florida car insurance laws require that you carry a minimum Personal Injury Protection (PIP) of $10,000. In addition you need to carry a minimum Property Damage Liability (PDL) of $10,000. However, if purchasing a policy that only satisfies Florida’s minimum requirements makes you uncomfortable, you may want to raise these limits. This is an especially wise thing to do if you have substantial assets worth protecting.
If you are interested in even more protection, are two other types of coverage worth considering: Bodily Injury Liability and Physical Damage Coverage.
• Bodily Injury Liability (BIL) provides additional coverage if you or your family members cause an accident. It is designed to cover the high costs serious injury or death to others as well as legal fees that may arise due to a lawsuit against you.
• Physical Damage Coverage (PDC) provides coverage to your own vehicle in the case it is damaged by an at fault accident.
2) Start Shopping
Once you’ve decided on the types and the levels of coverage you are comfortable with, you can embark on the most effective way to find the absolute cheapest car insurance: shopping around. There are many ways to approach this. One is to call all the insurance companies you can find in your area and get quotes directly from them over the phone. Another method is to use quote comparison websites online to help you organize all of the information you will be gathering. Cheapest Car Insurance in Florida is a good example and an obvious starting point if you are a Florida resident.
Whichever method you choose, your goal should always be to get as many insurance quotes as possible. By doing this you can be confident that by the end of this process, you will have truly found the cheapest car insurance available at the current time of your search.
Keep in mind that an excellent tactic is to even get quotes from insurance companies that you may consider to be unreliable or have lower ratings than others. Because of their less than stellar track records, these companies will often offer you the cheapest premiums to make up for their tainted reputations. Once you secure these legitimate quotes, you can then contact the companies you would prefer be covered by and see if they are willing to match one of the lower quotes you found.
Finding the cheapest car insurance in Florida isn’t the easiest or most exciting thing to do, but if you take the time to do it right, you are guaranteed to reap the rewards for years to come.Read More
When it comes to getting auto insurance, drivers have to plan accordingly, taking into consideration their budget. For those that are not careful, monthly premiums can quickly overwhelm them and the payments can just keep piling on. This is why a lot of motorists are forced to give up some services in order to end up with an affordable insurance policy.
For some drivers, this is fine. Not everyone needs full coverage car insurance. However, for many, full coverage is prudent and often a requirement. For example, if you have a car loan or are leasing a car, as part of your contract your bank will most likely require that your vehicle be fully insured. Alternatively, if you live in a bad neighborhood or in an area with heavy traffic, you run a higher risk that your car will be damaged or even stolen. In these situations a full coverage policy is without a doubt a wise choice… if you can afford it.
Does Cheap Full Coverage Auto Insurance Exist?
You’ll be happy to hear the answer is yes. With a little effort, any driver can find a good deal on full coverage. Full coverage is usually defined as a combination of comprehensive, liability and collision coverage, along with any other benefits you would like to be added to the insurance policy. So how is finding an affordable price for full coverage possible?
Do Your Research
Researching is a big part of getting cheap full coverage auto insurance and the best part is, with the help of the Internet, it can be done from the comfort of your home. There is no shortage of sites that can help you organize and compare multiple car insurance quotes on the web. A site like Cheap Full Coverage Auto Insurance is an obvious choice, but regardless of which site you choose to help you organize your research, the most important thing is to never settle on the first insurance quote you receive. The differences in services and prices between companies can be quite disparaging, so always make sure that you request quotes from as many insurance companies as you can before you commit to any one insurance carrier.
Remember that when you are requesting insurance quotes, each should reflect the exact same level of coverage from company to company. The term “full coverage” can have different meanings to different insurance companies. While some only provide liability, collision and comprehensive coverage in their policy, others will have a host of other features such as personal injury protection and roadside assistance coverage. By making sure the levels of coverage are all the same on your quotes, you will able to compare them on a level playing field and easily see which is the best deal.
Become a Candidate for Cheap Full Coverage Auto Insurance
The idea that all insurance companies are looking to squeeze every penny out of their clients is false. This is made clear by the many discounts they offer. Here are a few that are easy to take advantage of.
1) Protect Your Vehicle
One of the biggest features included in full coverage auto insurance is comprehensive coverage. This means that the insurance company has to pay for repairs or replacements in the eventuality that your car gets stolen or damaged while it is stationary and not involved in a collision. Replacing a car is very expensive and any company would like to avoid this problem, if possible. That is why something as simple as installing a good anti-theft device in your car will lower your premiums significantly. Although, be aware: you must notify the company of your improvements in order to benefit from a discount.
All of the factors that determine how safe your car is when you are not driving it will impact the price of full coverage insurance. That is why you need to let the insurers know of any aspect that works in your favor: is the car locked in a garage at night, do you live in a safe neighborhood, does it have GPS tracking etc. Each one will reduce your monthly premiums little by little until you end up with cheap full coverage auto insurance.
2) Be the Driver They Want You to Be
It should be no secret to any motorist that the driver has a very big impact on the cost of a policy. All insurance companies label their clients as low risk, medium risk and high-risk drivers. Obviously, those that are low risk make the ideal customers. They also get the biggest discounts and the best deals.
In order to be labeled as a low risk driver, all you need to do is drive carefully. Do not get involved in accidents, do not get speeding tickets, do not get DUIs and insurance companies will be fighting over you. That is no exaggeration. If you are a low risk driver then you are a genuine asset to all insurance companies. They will all want to have you as a client, so if your current insurance provider is not giving you the best deal possible then do not be afraid to switch providers. You are in high demand and you are sure to get a better deal someplace else.
3) Group Your Policies Together
Consolidating your all of your insurance policies under one insurer will usually lower the premiums for all of the policies. The average person has at least three different types of insurance: automobile, home and health. Buying all three from the same provider will almost always result in big savings. If more policies are added, then the discount will only get bigger. Ask whether this is possible before you settle on an insurer because it is one of the simplest ways to get a discount.
As you can see, the word “cheap” does not have to mean poor quality. If you are resourceful, you can enjoy the exact same benefits as any fully covered driver, while paying a lot less. The things you have to do in order to find and take advantage of discounts are easy and can make cheap full coverage auto insurance a reality.Read More
Insurance of almost any kind can never be classified as a waste of time or money. However they all serve completely different purposes, therefore it is important to find the appropriate cover for the right purposes. The value of goods is not always clear to owners and so very often some items are treated in a nonchalant manner and are eventually damaged, although they may carry considerable value. Value of all the items in a home can accumulate to a hefty sum. For many people, the net worth of personal possessions in their homes can often amount very closely to the value of their homes. Mobile phones seemingly come under this category. Here we address the issue of your mobile phone being covered by your contents insurance.
What is contents insurance?
Whilst your possessions are in your home, any unintended loss or damage caused to them within the bounds of your home can be covered by home contents insurance. Contents insurance may not restore individual possessions in case of fires or floods but the aggregate values of the items will be reimbursed in such events. Contents insurance applies not only to residents but can cover businesses of all types.
What insurance does my mobile require?
When it comes to protecting your mobile phone from theft or loss, there are two main insurance options available. Mobile phones can either be added to household contents insurance or can be protected by standalone covers. There is no denying the fact that finding the best insurance policy for the latest mobile phone models, which have a replacement cost over £500, is of the utmost importance.
The most common way to insure a handset is to purchase a policy from the mobile phone network provider. Unfortunately many people forget that mobile phone insurance covers can be very expensive and often, wrongly, assume that finding a cheap monthly or pay as you go mobile phone deals means an equally cost-effective mobile phone insurance cover can be found. This is simply not the case. The average insurance costs for smartphones range from £10 to £15 per month, in addition to the price of the tariff and any incurred costs over the course of a price plan month.
However, here’s a way we think you could make huge savings and still benefit from great insurance deals for your mobile phone. Take advantage of the many small firms currently offering insurance for smartphones, at almost half the price of their larger counterparts. From some of these firms, smartphones can be covered from just over £5 per month and come without the annoyance of easy get-outs. Your mobile will be covered in all respects, and unlike a with household contents insurance, your mobile phone will be covered at all times, not only when you are at home and the phone is lost or damaged within the home.
Extra household cover
If you feel that you’re already spending a large sum of money on insurance, your mobile phone can be added to your home insurance cover, in the form of an out of home extra which will incur very little extra costs to your current insurance rates. However, some household contents insurance policies include a no-claims discount, which is highly significant because if a claim for your mobile phone is made, your premium could substantially increase.Read More