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Auto Insurance – 5 Costly Mistakes Commonly Made

Automobile Insurance is considered to be a “necessary evil” by many folks who feel that they will never or rarely use it. That’s a really good thing because having an accident can mean that you might become injured with long recovery times or at the very least greatly inconvenienced by having to wait for your car to be repaired or replaced. Many folks tend to want to pay for the least amount of insurance that they have to and at the lowest price. Just be sure not to make these common auto insurance mistakes.

1. Assuming you need only minimum limits because “you don’t own anything.” Recent graduates starting their careers may not currently have a lot of assets to protect but they do have a lifetime of future wages. Judgments for damages caused to others can follow you and cause your wages to be garnished to satisfy them. The cost of higher limits can be extremely minimal. Be sure to evaluate the cost benefits of all your options.

2. Not matching your “Uninsured/Underinsured Motorist” liability limits with your “Bodily Injury” liability limits. The reason that you have liability insurance is to protect yourself by paying for the damage done to others if you cause an accident that is your fault. So what happens when the accident is someone else’s fault and they don’t have insurance or only have minimum limits? You should be protecting yourself with the same limits that you are protecting others.

3. You don’t have all of your personal policies with one company or one agency. Most companies offer significant discounts for you to have all of your policies with one company and in most cases, it makes a lot of sense to try to do that to take advantage of every discount you can qualify for. In the cases where that may not be possible, at the very least have all of your policies with one agency to be sure that you have no “gaps” in your coverage. If you have assets to protect, (a home, cars, personal belongings) you should have an umbrella policy that will give you liability coverage in excess of what is offered on the standard auto policy. A million dollars of coverage may cost less that $200 annually and can buy an awful lot of “peace of mind.” However, umbrella policies require certain limits be maintained on your auto and home policies in order to “seamlessly” payout. For this and many other reasons, you should have a professional agent manage your insurance program.

4. Assuming all contracts and insurance companies are alike. Insurance is basically a promise made by an insurance company to pay a loss in exchange for premium. Insurance companies have different financial ratings and reputations. Paying your premium doesn’t mean you are going to be satisfied with the handling of your loss. If you own a nice vehicle- lets say a BMW for example: unless you have specific coverage for “original equipment manufacturer” (OEM) parts, generally aftermarket parts will be used on your vehicle after a loss. This is not a bad thing. Many times the warranties and quality of these parts are the same or perhaps better than the original part but if you are concerned that new windshield has “BMW” stamped on it, you need to specifically have that coverage.

5. Assuming you don’t need “Medical Payments” coverage because you already have “great” medical insurance. What about all the other people in your car? Most contracts include any family member and any other person occupying your vehicle. It also usually covers funeral expenses and the coverage limit applies to each injured person. The limit can also “double” the amount if a seat belt was being worn. There is also no deductible unlike most health insurance.

Auto insurance is a very important part of your personal insurance program. Many considerations go into being properly covered. You don’t need to “over pay” for proper coverage but being with a great company, with great coverage that exactly fits your needs is what you should be striving for. Here’s hoping you never have to use it!

Browns Gas Automobile – How to Make Yours Into One Cheaply

The rising gas prices (which have become downright insane) are causing many people to change their lifestyle, reduce the time they spend in the car and seek out other transportation alternatives like buses, subways, car pooling, bicycles, and plain old walking. Even though I recommend trying to minimize your driving time, know that there is an increasingly popular option to reduce your gas bills by as much as half.

The solution lies in turning your car into a hybrid: a car which runs on both regular gas and water. This may seem like magic, but running your car on water is something which many people do and which a lot of car companies are working on to perfect. The reason why this is so exciting is that it’s possible to turn water into something known a Brown’s gas.

Brown’s gas (also known as HHO) is made of the same atoms as water, but these atoms are just arranged differently. What’s good about Brown’s gas is that when you burn it, a great deal of energy is released. When you harness this energy, you can use it to run your car, saving you a lot of gas.

The best way to turn you car into running on Brown’s Gas is to do it yourself. It is also the cheapest way. Today, you can get a number of recommended online guides which teach you how to make the necessary installation to help your car make Browns Gas and run on it.

I do recommend following a specific guide as this is something which requires some kind of technical guidance. Once you do complete the installation, you’ll be able to increase the mileage you get out of every tank of fuel since you will be using less fuel for each mile.

Even if you don’t drive all that much, you can easily save hundreds of dollars by increasing your mileage by half.

Super Bowl and Auto Insurance: The Safety Connection

As football fans all across the nation eye the Sunday, February 5th date with excited anticipation, the insurance industry has the day marked heavily in red as well. While there certainly are plenty of sports enthusiasts among the companies and agencies, there’s another reason for the circled calendar date – and it’s as valid as they come.

“Sports fans everywhere are bound to participate in the nationally broadcast event. Whether in real time at the Houston, TX stadium or by watching the games together with friends and or family at parties, bars or restaurants, you can be sure there will be a lot of camaraderie, along with food and drinks – including the alcoholic kind. That’s where the worry sets in,” comments one car insurance specialist.

Of course what this agent and others like him refer to in regard to the big national football league playoffs is that sometime following a great deal of alcoholic beverage drinking, fans will be making their way back home, with many drinkers the ones behind the wheel and responsible for their own life as well as the lives of their passengers and other motorists on the road.

“Studies indicate that party-goers who drink are involved in many road fatalities, injuries and damages,” reveals the same auto coverage expert. “And not only is that bad news for those that operate all forms of vehicles, including cars, trucks, motorcycles and so on, but also for those that write the policies that insure them.”

But with the bad news comes the good news!

Within the commercial world connected to the indemnity industry there is auto coverage that offers protective services for the insured motorist that does not want to or should not drive back home from a party. These free bonuses to policyholders include free taxi, car service or ride-sharing company drives back home for participating auto or auto/boat/homeowner bundled insurance members via payment compensation with a receipt.

With this amazing offer, come other ideas that vehicle drivers as well as party hosts would do well to follow.

Three Smart Tips for the Sports Event Party Goer and Party Host

• Fans who intend to drink alcoholic beverages at a sports gathering should be proactive with safety BEFORE participating in the social celebrations by appointing another driver who will not be drinking to do the driving and transporting back home.

• In general, those hosting the parties are not off the hook in regard to responsibility and liability. These hosts are advised to publicize the contact information of neighborhood taxis and car services, so that drivers have an alternative to getting home.

• Offerings at the sports or other such parties where alcohol is served should also include food and non-alcoholic drinks.

For more on insurance benefits that include taxi service home from alcohol-serving gatherings, contact an experienced independent insurance agent.

Oh yes, and after making the necessary arrangements, don’t forget to enjoy the game!

How Long Does It Take to Settle a Car Accident Claim?

How long does it take to settle a car accident claim after you’ve experienced a crash involving another vehicle? This is an important question that requires immediate answers for many people who have reasons to settle as soon as possible, because of issues such as serious car damage, physical injury and loss of finances due to inability to work. There are also doctor bills, hospital bills and other considerations, especially if an accident is severe. Here are some basic answers to some of the most important questions regarding how long does it take to settle a car accident claim.

What if the accident is the other person’s fault?

If the vehicular accident that you were involved in is ruled clearly the other person’s fault and the other person does not challenge the ruling, then you will find that generally the case can be settled in a matter of a few weeks. In cases where the other party challenges the ruling and secures a lawyer to fight for his or her case, you could end up dealing with the claim for several months or a year or two. The best case scenario is for both parties to quickly come to an agreement about a settlement so that the claim can be processed.

Will the libel insurance company process a claim quickly?

Yes and no, depending on their competence, quality of service and attitude. Professional attitude has a lot to do with how quickly a libel insurance company will process your claim. In cases of dealing with a reputable company, you can easily settle a claim in a few weeks or possibly 2-3 months, depending on how large the accident claim is. On the other hand, if you are unfortunate enough to deal with companies that stall and attempt to intimidate the party who is making a claim request, you may want to secure the services of a lawyer to take up your case.

Can a lawyer expedite a car accident claim?

Generally yes, if you choose an experienced attorney who has dealt successfully with similar cases. Resist the temptation to hire just anyone. Those who specialize in vehicle accident claims and have very successful track records are the best to hire. For example, a lawyer that specializes in family court cases, may not be the best to take over your accident claim, even if he is your brother-in-law! A good attorney can expedite the matter, save you money and perhaps win an important accident claim that can help you in the future with all the losses you may have experienced as a result of the accident.

If you’re an accident victim who wonders how long does it take to settle a car accident claim, remember the first rule of thumb in getting the best settlement, is to be patient. Some victims are so desperate to settle a claim because they are in difficult straits financially and physically injured, that they accept much less when offered a settlement, rather than allowing a good attorney to strategically deal with the libel insurance company for a better settlement.

How to Choose an Auto Repair Shop for Your SUV

If you own an SUV, or thinking about purchasing one, you are a wise investor indeed. Sports Utility Vehicles are wise investments for several reasons. Not only do they last longer and operate more efficiently, they also maintain higher resale values than most standard vehicles in their class. As long as they are properly serviced and cared for, sports utility vehicles deliver these benefits and more. One of the most important responsibilities you can perform for your new SUV is having it professionally serviced by a licensed mechanic at least one time per year. Continue reading to learn some tips for finding a reliable SUV auto repair shop in your neighborhood.

Where to Start

It is very helpful to begin your hunt for a reliable auto repair shop before you take your new SUV home with you. This head start will provide insight on what to expect once your SUV requires some professional attention, or it comes time for its factory scheduled maintenance. There will be no surprises; you’ll know exactly who you can call and who you can trust. You won’t have to waste time worrying about finding an honest and dependable auto repair mechanic that is close to home and fits your budget, all within short notice and under duress.

After You Find a Good Candidate

Once you think you have found some good candidates for SUV service and repair, you can dig a little deeper and look for some clues that speak to the character and proficiency of the shop. For instance, look for professional licensing, associations, and similar credentials. Also inquire about the number of years they have been working on car professionally. Look for signs about surcharges, fees, billing, and more, and ask about their billing and fee policy. Inquire about free services, such as estimates or inspections. Look to see if the facility is clean and organized, and if whether or not the staff is neatly dressed and exhibiting positive attitudes.

DIY Car Care

Aside from your regular scheduled maintenance, there are several other things you can do for your SUV to keep it dependable for years to come. Keep up with regular tire inflation, light inspections, antifreeze refills, coolant refills, windshield wiper refills, windshield wiper replacements, and more. And be sure to drive smoothly and do not abuse the brakes! Good driving practices plus proper maintenance will ensure your vehicle performs safely and efficiently for a long time.

The US Automotive Industry and The Big Three

We have a proud car culture in the United States but, surprisingly, not many people know too much about this country’s automotive history. For this history lesson, we are focusing on the automotive “industry” rather than the history of the automobile itself.

When It All Began

In the 1890s, the American automotive industry began and, thanks to the use of mass-production and the large size of the domestic market, quickly evolved into the largest automotive industry in the world (though this title would be taken from the U.S. by Japan in the 1980s and then from Japan by China in 2008).

The U.S. motor vehicle industry actually started with hundreds of manufacturers, but by the end of the 1920s, three companies stood apart from the rest:

  1. General Motors
  2. Ford
  3. Chrysler

The Big Three

These three companies continued to prosper, even after the Great Depression and World War II. Henry Ford began building cars back in 1896 and started the Ford-Motor Company in 1903. Ford utilized the first conveyor belt-based assembly line in 1913, improving mass production of its Model T. The assembly line decreased costs significantly and the Model T sold so well that it propelled Ford into the largest automobile company in the U.S.

General Motors was founded by William Durant (formerly a carriage maker)n in 1908. In the first couple of years, GM acquired Buick, Oldsmobile, Oakland (later to become Pontiac), Cadillac, and a number of other car companies. Durant also wanted to acquire Ford but Henry Ford opted to keep his company independent. Having become a little to “acquisition-happy,” Durant over-extended the company and was forced out by a group of banks who took controlling interest in the company. Durant then teamed up with Louis Chevrolet and founded Chevrolet in 1913, which became a quick success. Durant retook majority control in GM after acquiring enough stock and GM acquired Chevrolet in 1917. This did not last long, however. Durant was forced out again in 1921. In the late 1920s, GM overtook Ford as the largest automaker.

The former president of Buick and a former executive of GM, Walter Chrysler took control of the Maxwell Motor Company in 1920, revamped it, and reorganized it into Chrysler Corporation in 1925. Chrysler acquired Dodge Brothers in 1927 and, in 1928, introduced the DeSoto and Plymouth brands thanks to the dealer network and manufacturing facilities that came with the Dodge acquisition. By the 1930s, Chrysler overtook Ford and became the second largest automaker.

1950s and Beyond

By 1950, America produced almost 75 percent of all automobiles in the world. At the start of the 1970s, however, U.S. auto companies (especially the Big Three) were severely affected by increased competition from foreign auto manufacturers and high oil prices. In subsequent years, companies bounced back occasionally but the crisis reached its pinnacle in 2008, prompting Chrysler and General Motors to file for bankruptcy reorganization and be bailed out by the federal government. While Ford was also affected by the crisis, it decided to power through on its own and did not take the bail out. We actually have a lot of respect for Ford as a result of this. They did not take the easy way out.

The year 2014 saw saw the biggest (seasonally adjusted annualized) sales in history with 16.98 million vehicles.

Car Accidents – Suing the Other Driver


Many people believe that if you are injured in a motor vehicle accident in a province or state that has no-fault insurance legislation, you are precluded from suing the other driver. This, however, is not true. Under most no-fault regimes, you do have a chance to sue the other driver for certain damages when that driver has been negligent (responsible) for the accident. In this article I will be referring to the no-fault laws of the Province of Ontario. Car accident no-fault laws in other provinces and states will vary.

If you have been injured in an auto accident, you will be entitled to seek accident benefits from your own insurer under the no-fault provisions of the Ontario automobile legislation. However, accident benefits do not compensate you fully for every type of damage you may suffer in an accident. Therefore, you may sue the driver of the other vehicle in the car accident if that driver was responsible (negligent) for the accident. In fact, you may sue the other driver even if you were partly responsible for the accident.


Anyone injured in a motor vehicle accident can sue the driver of the other car for:

*Economic loss;

*Loss of earning capacity including future loss of income;

*Pain and suffering;

*Loss of care, guidance, and companionship of a family member; and

*Health care expenses (if you have suffered a permanent serious disfigurement or permanent serious impairment of an important physical, mental, or psychological function).


There are several ‘quirks’ in the Ontario motor vehicle legislation that would seem to be blatantly unfair in your right to recover for all your damages from a car accident. For instance, when you sue the other driver in the accident the amount that you receive for your damages is subject to a $30,000 deductible (except where your damages exceed $100,000). Why is there such a high deductible? Well, in my opinion it’s solely because the government favours the insurance companies over the individual insured. However, I’m sure that the government and insurance companies would be quick to say that the deductible is to prevent people from bringing low dollar value or nuisance claims.

Another ‘quirk’ in the legislation is the concept of a ‘threshold’ when you sue the other driver in a car accident. An injured person can only sue the other driver in an auto accident for pain and suffering, loss of enjoyment of life and the cost of health care if the injured person passes a certain ‘threshold’. In Ontario that threshold is met only if you have suffered a permanent serious disfigurement or permanent serious impairment of an important physical, mental, or psychological function.

Another limitation in your right to sue the other driver is a time limitation. Generally, you have two years from the date of the car accident to sue the other driver or you will lose your right to sue. Under some special circumstances, the time to sue for a motor vehicle accident can be extended.


Contact an experienced personal injury lawyer if you think you would like to sue the other driver in a car accident. The motor vehicle legislation in every North American jurisdiction is complex and the only way to be fully apprised of your rights is to meet with a personal injury lawyer who practices plaintiff motor vehicle law. A motor vehicle lawyer will also be able to help you maximize your accident benefits under the no-fault scheme (ie. where you don’t sue the other driver in the car accident). I suggest that you contact Injury Alliance to help you find the experienced lawyer you need to sue the other driver in a motor vehicle accident.

This article is not intended to provide legal advice. It is recommended that you contact your lawyer or attorney to obtain advice pertaining to your specific case.

Protect Your Rights – Hire an Auto Accident Attorney

Nowadays, various cases of auto accidents have been reported to concerned institutions, authorities and agencies. These untoward incidents occur in the most unexpected place and time and may result either to property damages or losses, various personal injuries and even death. Such occurrences have been found really alarming and distressing. Thus, every individual should be aware and be fully informed with the reasons and consequences of these auto accidents.

Being informed with these information and inputs may be realized by seeking the legal assistance of an auto accident attorney. They are the individuals with extensive knowledge, intensive experiences, and great skills and expertise on this legal matter. They are also those who are capable of bringing justice and getting those negligent parties responsible for their misdeed.

Consequently, it has been an accepted idea that despite the warnings and precautions of the government and other concerned individuals or institutions, accidents still happen. This is merely because of the negligence and the absence of self-discipline – whether it is from the part of the drivers or the pedestrians. In addition, many people act imprudently on our streets and roadways – causing significant risks to other innocent populace.

Nevertheless, the questions neither begin nor end on the reasons, violations and on whose fault, or who are to blame. In fact, a thorough investigation should be taken into consideration. It is also the prerogative of the injured or affected victim to file his charges or bring his case on court.

This is in order to obtain proper compensation not just for his incurred physical injuries but also for his mental and emotional suffering, lost wages, property damages, medical and rehabilitation bills and other expenses brought about by the auto accident.

With these objectives in mind, it is indeed necessary for the victim to have the aid of a dynamic and competent auto accident attorney to help him in going through his legal endeavor. An expert legal counsel known for his excellent case litigation and winning record can actually be vital in having a successful case verdict. It is also necessary for the victim to have a reliable advocate or ally since the defendant may also do everything just to get away from his liability.

The law offers equal rights and protection to all. It is now up to the victims and their families how they should promptly act and make use of their privileges as citizens of this country.

Further, it is their obligation to the public to have these negligent and unruly vehicle drivers punished for them to have their lessons and to prevent them from harming others in the future.

Know more about protecting your rights as victim in an auto accident with the help of Auto Accident Attorneys California.

Car Insurance Types – What You Need to Know?

We all want to save money and do things the most affordable way. But when it comes to car insurance shopping, we need to make sure that we buy the right protection because that can save us lots of money and trouble in the long run! However, we also need to make sure we are not purchasing coverage options that we do not need, or that are not worth the money. Take a minute to learn about the basic options on your policy so you can be prepared to shop for the best possible coverage!

  • Bodily injury liability: Covers injury and death claims against you, and legal costs, if your car injures or kills someone.
  • Property damage liability: Covers claims for property that your car damages in an accident. Because liability coverage protects the other party, it is required in all but three states.
  • Medical payments: Pays for injuries to yourself and to occupants of your car. This is optional in some states. In “no-fault” states, personal injury protection replaces medical payments as part of the basic coverage.
  • Uninsured motorist protection: Covers injuries caused to you or the occupants of your car by uninsured or hit-and-run drivers. “Under-insured” coverage also is available, to cover claims you may make against a driver who has inadequate insurance. In some states, as many as 30 percent of drivers are uninsured.
  • Collision coverage: Covers damage to your car up to its book value. Collision coverage carries a deductible, which is the amount per claim you have to pay before the insurance takes effect. The lower the deductible, the higher the premium. While it is legally optional, a lending institution or leasing company usually requires collision coverage.
  • Comprehensive (physical damage): Covers damage to your car from theft, vandalism, fire, wind, flood, and other non-accident causes. Comprehensive also carries a deductible.

We usually refer to the first two as liability insurance, and that is the minimum coverage we need to drive legally in most states. Every US state requires a proof of financial responsibility in order to drive a car, and that is usually satisfied in this way.

The other types of coverage may not be required by the law, but collision coverage may be required by a lender if you still owe money on your car. In any case, if you cannot afford to pay for property and medical damage for yourself and passengers, it would be prudent to have some coverage!

Car Insurance – How Your Occupation Affects You

Believe it or not, your occupation can save you a lot in car insurance premium. On the other hand, it could also cost you so much. I’ll give examples from opposite ends of the spectrum and explain why this is so. Finally I will show you how you can make considerable savings even if your occupation is at the undesirable end of the spectrum.

Scientist pay the lowest car insurance rates. They pay as low as $870 on the average. Retired persons pay slightly more at an average of $920. Pilots and navigators also belong to the low car insurance rates bracket.

For those in the high car insurance brackets, you have the business owner as the most expensive to insure. They average around $1400 in car insurance premiums. Following closely is the executive with an average of $1,375. Attorneys, lawyers and judges average $1370.

These are the opposite extremes (Don’t worry if you fall into the expensive occupations. I’ll show you how to lower your rates considerably). Back to what we were saying…

Occupations that attract low car insurance rates have some or all of the following in common…

1) They are usually low stress occupations.

2) The safety of others is paramount in their training. Sometimes their driving records can even determine if they’ll be allowed to practice at all.

3) Their occupation often makes them use public transport systems.

4) A number of them are generally considered to be very meticulous. This certainly affects their driving habits.

On the other hand, occupations that are expensive to insure have the following in common…

1) Their jobs are usually very stressful.

2) They often have to spend more time in their cars.

3) They tend to use their cell phones a lot more while driving than the average driver.

If you look at the different categories, it will become very obvious why certain occupations are expensive to insure while others aren’t.

Now, whichever group you belong to, you’ll make considerable savings by understanding the fundamentals that influence your car insurance rates.