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How a Credit Repair Can Help You Get a Car For Your Teenager

Every day some teenager somewhere gets their drivers license. Now, in order to be able to drive a car you have to have a car right? Well, with the way the economy is doing, buying a car is an extremely difficult thing to do just for you to be able to hold a job. It is even harder to have to get another car for another member of your family, someone who has just gotten their driver’s license, and be able to make steady payments on it.

Think about it, if you cannot even keep up-to-date payments on your own car, how do you expect to make up-to-date payments on another car? The simple solution to this long-term problem is to withdrawal an auto loan. Well, I am sorry to tell you, in order to get an auto loan you have to have a good credit score. How do you get a good credit score, you ask?

The answer is very simple, you get a credit repair. This solution is very simple because it permanently deletes anything negative on your credit report without you even having to pay it off afterward. Also, not only does it help you get your teenager in a car but it also helps you get a house, loan, or almost anything financially related. This service decreases the negative credit and increases the positive credit making your credit score higher than you have ever seen it in your lifetime.

Auto Repair: Know When to Repair a Windshield

When thinking of different things that keep us safe during a drive, we rarely even think about the windshield. But the truth is – the windshield of your vehicle is more important than you think. Anyone who has been driving for a long time would have come across this situation: a deferred or cracked windshield. Early drivers tend to ignore this because it does appear to be something that could cause any major damages to the vehicle or the driver. And you would postpone the repair until there is time and money to do this. But that time will never come. Getting your windshield fixed is an easy part of an auto repair. It is important and can be done even from home.

Cracked Windshield

The windshield is a two-layered laminated glass. This laminate is made of vinyl plastic which is very strong. The windshield accounts for nearly 20% of the strength of the car. It plays a major role in keeping you safe. With the advancement in technology, the process of placing the windshield has become a computer controlled process. It has been designed to work with the other safety devices in the car. For instance, the airbags need a sturdy bonded windshield in order to work correctly. Thus, it is important to get even a tiny crack on the windshield repaired. Ignoring it may put the life of the driver in danger.

AUTO REPAIR:

The costs for replacing the entire windshield costs $ 300 and repairing a crack or a chip in the windshield could cost around $ 100 or less. There are also many kits available for you to repair the windshield yourself. These kits can be purchased from Amazon and in large stores that sell auto parts such as Wal-Mart, Kmart, Sears, and AutoZone. The kit will consist of the adhesive seal, windscreen repair resin, curing film, pedestal and a safety razor. Once you have the kit, park your car in your garage or somewhere indoors. Use a pain to clear out any broken glass from the windshield and leave it to dry. The instructions on how to use the kit will be available with the package. If the directions are unclear, the best option is to take the car to an auto repair workshop.

Another consideration is your car insurance. If you carry comprehensive coverage, then windshield repair can be included in your coverage. Be sure to check your deductibles as this will be required to be paid first. In some states, there is no deductible for windshield damage, as it is considered a safety related repair.

At the end of the day, the important thing is that any windshield repairs are fixed immediately and you are no longer vulnerable to any potential accidents.

How Advances in Technology Are Causing Obesity in Today's Children

There are times when I'm writing that I just stare out the window thinking. I have often observed young people walking down the sidewalk with ear buds in and text messaging. I get the feeling that this continues when the young person gets home.

Texting : I admit that I will text someone in the house with me rather than go and talk to them. That is usually because I am downstairs and they are upstairs. If I am doing that I'm pretty sure that kids are. Why get up and go to where a person is if you can text?

Too Busy : When my teachers cave assignments that they had to keep in mind that we would have to physically go to the library to get information for any reports or term papers. That was calculated into the amount of time given for the assignment to come due.

That is not needed anymore. In fact, schools are giving children as young as sixth grade iPads so they can finish their assignments faster. All the teachers think it's great because the children can learn more and faster. That's great … without your child has five teachers that want a four page (word processed) report with bibliography inside a week. When is the child supposed to get exercise?

Instant Gratification : If you want to know something there are pieces of technology all over most of our homes that will help you do so. If you want to watch something you do not have to go to a video store. There are quite a few companies that provide what you want to watch from the comfort of your living room. The same applies to many video games. If you want to buy something you do not have to go to the store.

All at Home : Technology is great but it has some drawbacks. When it's too much effort to get up and go talk to someone * in the same house * technology is creating part of our obesity problem, especially with our children.

Ford’s Story of Success and Pride

The headquarter of Ford is in Dearborn, Michigan, a suburb of Detroit. This is the place where the ex-chief engineer of the Edison Illuminating Company, named Henry Ford founded the, “Ford Motor Company”, on June 16, 1903 with a capital amount of $28,000 along with twelve other investors. The famous scientist Thomas Alva Edison was a great friend of Henry Ford and he encouraged him to go ahead with his idea and dream of establishing an automobile company which will manufacture simple and affordable car for the Americans.

At the beginning only two to three workers worked on each car. On July 23, 1903 the company sold its first produced car, Ford Model A and Dr. Ernst Pfennig a dentist from Chicago, became the first owner. Other car manufacturers made cars for wealthy people but Ford developed a design and manufacturing method that reduced the price of the Model T, which made its debut in 1908 at a price of $825. In its first year a record sale of over 10,000 cars was reached. Four years later the price dropped to $575. By 1914 Ford claimed a share of 48% of the automobile market. The car was sold like hot cakes. With the rise in demand, Ford was able to reduce the assembly time of the Model T from 12.5 hours to less than 6 hours. Ford created history and became the change maker of the automobile market.

World War 1 came to be a turning point as it changed the course of automotive history. Henry Ford was able to draw a large profit at that time. Ford Model T cars were used by the several armies for war purpose. It not only served as ambulances but also as delivery trucks, staff cars and artillery movers. As soon as America joined the war, Ford started producing ambulances, trucks, vans, tanks and submarine chasers. Ford’s Trafford Park factory in Manchester supplied the British army with 30,000 Model Ts as ambulances and transporters of troops, water and munitions carriers.

When World War II started there was a boost in Ford’s economy as they were serving both the sides. They produced roughly around 2,82,352 war Jeeps in the years 1941-1945. Ford’s bomber plant at Willow Run, located in the Detroit suburbs manufactured automobiles for war and not for public transportation. Ford V3000 ambulances were used in World War II by the Germans. Ford of Germany built a total of 80,000 trucks for the German army during the war.

Ford did not limit itself in manufacturing only cars. They also manufactured trucks, vans and tractors. In 1925 they also manufactured airplanes. They also produced some important cars in the history of automobiles apart from the Ford Model T. Ford 150 Pickup remained a best seller for almost six decades. Ford Mustang is the first American “muscle car”. Ford F-150 SVT Raptor, Lincoln Continental, Ford Thunderbird, Ford Transit, Ford Capri, Ford Escort is some of the most popular Ford cars.

Engines play a vital role in car’s success. Ford produced 3, 4, 6, 8, 10 and 12 cylinder engines till date. Some of the important engines manufactured by Ford, are Ford Model T engine, Flathead V-8 engine, Cobra Jet engine, Boss engine, Ecoboost engine, etc. The 1.0 Ecoboost is a UK-designed 3-cylinder engine which has won awards from industry judges and experts. The Ecoboost engine is developed to be more fuel saving, more Eco friendly and less costly. Ford is not only famous for producing beautiful cars, but also for producing one of the best engines and creating history in the competitive automobile market.

The Ford family is a proud owner of the company for more that 100 years. It is one of the few notable brands in the world whose ownership stayed in the family of the founder for more than a century. They take pride in producing the first ever car for the common man by breaking the idea that a car is a rich man’s property. Ford always created examples in the automobile industry. “$5 day”, is an important day in the history of mankind because around 10,000 people gave line with a desire to get employed at Ford when there was a salary hike of $5 per day. It created an impact within the society as well as in the automobile industry as the production rate and quality of Ford cars got raised after the hike.

Today Ford factories are located in the USA, Britain, Germany, India, Brazil, Portugal, Argentina, Russia, Spain and many more. Henry Ford is considered to not only be a car manufacturer, but a change maker who changed the fate of the automobile industry.

Learn How To Buy A Car And Car Insurance Without Breaking Your Budget

Do you ever wonder why different cars cost you different amounts for auto insurance premiums? Why is it that a new Corvette may cost you $1,600 dollars a month in auto insurance and an older Buick Regal may only cost you $90 per month? The new car insurance cost versus the old car insurance cost is a subject that you must review before you buy any car. Review insurance costs before you buy and you will not get caught in a financial trap.

New cars cost more to insure than old cars for three reasons. First, an auto theft of a new and exotic car costs much more than the auto theft of an older and average style car. This is because of the large value difference of the new car versus old car. For example, a new Chevy Caprice is much more costly to insure than an older Chevy Caprice. It simply costs more money to replace a new, expensive car than an older, less expensive car.

Second, the cost to repair a new car is much more than the cost to repair an old car. As such, this fact shall also increase your insurance premium cost for a new car. For example, if a new Chevy Caprice is damaged in an accident, the auto repair shop will charge you much more money for repairs than if the subject car were a ten-year old Chevy Caprice. For this reason, your insurer will charge you much more insurance premiums on a new vehicle than an older vehicle because of such repair costs.

Third, the style and type of car also shall greatly affect the cost of automobile insurance premiums that your car insurance company will charge you. Insurance companies use actuarial statistic tables which show them the past loss experience on particular styles and types of cars. They use these tables, to help calculate what premiums to charge their customers in the future. Statistical tables show these insurance companies that owners of certain styles and types of cars, such as sports cars, engage in more risky driving behavior than owners of cars that are of average type and style.

For example, insurance company statistical tables show that the insurer has experienced more losses with sports cars than with average cars. It is because the owner of a Corvette will probably drive such car faster and riskier than the owner of a Toyota Camry. With such speed and risk also comes along more losses for the insurance companies. With such risk and loss increase, the insurance company must then increase their return and charge more for auto insurance premiums.

Another example of how the type and style of vehicle may present an insurance company with more risk is the off-road style vehicles such as the Hummer line of vehicles. These vehicles are designed to perform in the off-road type environment. They are raised up off the ground more than regular automobiles for under carriage clearance. Additionally, they also have four-wheel drive capability.

With such design capabilities, the statistical tables show that the insurance company has experienced more losses with these types of cars than regular cars. This is because the owners of such vehicles will engage in off-road driving which is both risky to the vehicle and driver. In fact, some insurance companies may bar recovery for such damages, when the owner of the insured vehicle was damaged while any engaging in risky, off-road driving. Again, with more risk, the insurance company will increase return and thus auto insurance premiums. Now that you know that certain styles and types of cars cost more to insure than others, you have to be smart about what kind of vehicle you are going to buy.

Rather than take a guess at what you believe a vehicle’s insurance costs are, call your car insurance company and ask your insurance agent for a free car insurance quote for the exact type of vehicle that you are interested in buying. You can get a definitive answer to your question of whether or not you can afford both the car and the insurance premiums required to cover your car against insured losses.

The time to make such assessment is not after you purchase a vehicle. At that point in time, it is too late. The time to make such assessment is way in advance of your purchasing an automobile. You definitely want to be able to make both car payments as well as insurance premium payments. Get a free auto insurance quote ahead of time and avoid financial problems.

Certified Pre-Owned Cars, Know Before You Buy

In the past, buying a used car was like a grab bag, you were not sure if you were getting something decent or just junk. Nowadays, you can find and purchase a used car with a Certified Pre-Owned (CPO) program, which offers you the benefits of a new car at a used-car price. Providing a CPO on used cars is one of the auto industry's hottest trends. It was created in the 1980s by Mercedes-Benz to insure consumers that the used cars in their lots were well-seasoned and durable. It is now available from most automakers.

The used car industry has soared with the use of the Internet. The use of the Internet also allows you to shop for a car you need now, or to browse websites sporadically to find a certain type of used car.

According to Autodata, Ford and Lincoln-Mercury had 15,740 certified sales in May 2006, up 19 percent from May 2005. Chrysler / Dodge / Jeep had 10,176 certified sales in May 2006, up 28.2 percent from May 2005. GM sold 38,471 Certified Used Vehicles in May 2006, up 15 percent from May 2005.

As cited in the July 1-14, 2006, issue of Auto Remaking magazine, Paul Pejza, manager of GM Certified Used Vehicles said, "Virtually all other major manufacturer-certified programs saw year-to-year increases in their certified sales in May , up 11% from May 2005. " Pejza continued, "Essentially, everyone's an online customer today. In fact, research by AutoTrader.com shows that certified searches this year are up more than 50% of the same period in 2005. The consumer now expects to see certified used vehicles with photos and details on price, color, and options, much like when they physically walk a dealer's lot. "

Mike Dennis, manager of sales, planning, and distribution for Ford, said, "We have our own http://www.fordcpo.com site, and we are please with the traffic. program and will also link them to dealer inventory. " He goes on to state, "We encourage dealers to post their cars and trucks on sites like Auto.Trader.com. More and more consumers are turning to Web-based sites to start their CPO shopping."

IntelliChoice researches each automaker's CPO program and rates them based on comprehensive warranty, inspection, title verification, financing, roadside assistance, and return policy. For 2005, in the luxury car category, Jaguar had the best overall CPO program. In the non-luxury category, Volkswagen had the best overall CPO program, followed by Honda, Mazda, Chrysler / Dodge / Jeep, then Ford and Mercury.

CPO is not backed by any legal standards in the auto industry. Each dealer or automaker has a different set of criteria for inspection and protection. As stated on Consumer Reports.org, for a vehicle to be certified, it must meet certain mileage and condition requirements, typically no more than five years old with less than 60-70,000 miles. They must also pass a checklist inspection – scratches, brake and tire wear, engine and transmission problems, etc.

Some certification programs are not offered by manufacturers but by the dealerships themselves. Dealer-certification programs are common for used-cars not affiliated with an automaker. In fact, you can find a multi-brand dealership with manufacturer certification on some vehicles and independent certification on other vehicles.

Keep in mind, however, that certification is not free. According to CNW Marketing Research, when a dealer certifies a vehicle, he pays the manufacturer a fee between $ 100 to over $ 1,500, whereas, factory certification adds $ 500 to $ 3,500 to the price of the vehicle. However, for the consumer, the added amount is well worth the price for an extended warranty or money-back guarantee.

What to Look for in a Full Coverage Car Insurance Quote in Maine

When you buy a new car in Maine, you’re likely going to want to show it off. One of the pleasures of owning a new vehicle is turning heads when you’re cruising down the street. Not only will you catch the eye of people who wish they had the same car, but you may also attract the attention of car thieves. Every day many cars are stolen and unless you have adequate car insurance coverage you may find yourself without a car or a way to replace it if it does indeed go missing.

A full coverage car insurance quote in Maine will include the required liability, uninsured motorist and medical payments coverage. However, it should also include some, if not all, of the optional types of insurance. An important aspect of any full coverage policy is collision and comprehensive coverage.

Most of us never consider the possibility that our car could actually be stolen. Many new cars are very appealing to thieves and if you don’t have an anti-theft device installed you may wake up one morning to find it gone. Comprehensive coverage will offer protection for theft. If you have this coverage in place, you can expect to pay a bit more for your insurance. However, a good way to offset the higher premiums is to take a higher deductible. This will lower the rate you’ll need to pay.

Collision coverage is also a fundamental part of a full coverage policy. Collision offers protection just in case you ever hit an object, like a tree, a signpost or another car. Anyone who drives a late model vehicle should invest in collision coverage. When you consider the cost of parts and labor to fix a new car, it’s easy to see why the premium for this coverage is well worth it.

Hire a DUI Attorney

DUI stands for Driving Under the Influence. The influence is mainly due to toxoxification by being under the influence of alcohol or any drug. It also includes operating under the influence, drinking and driving, drink-driving and impaired driving.

Driving Under the Influence (DUI) is the act of operating any motorized machinery after / during consuming alcohol or other drugs. DUI or DWI are synonymous terms that represent the criminal liability of operating (or in some jurisdictions purely being in physical control of) a motor vehicle while being under the power of alcohol or drugs or a combination of both. It is a criminal offense in most countries.

Most of the countries have taken strict rules for anyone who is persuaded of injuring or killing someone while under the influence of alcohol or drugs. He / She can be heavily fined, as in France, in addition to being given a lengthy prison sentence. Many states in the US have adopted truth in sending laws that enforce strict guidelines on sentencing. For example, if a defendant is sentenced to ten years, he or she will be in prison for that entire time. This is different from past practice where prison time was reduced or suspended after sending had been issued. A DUI charge can be frustrating and depressing and it can result in serious consequences. So a DUI attorney is first and essential requirement.

A DUI Attorney is a person who can help a person charged under the DUI law. A lot of people are booked under such cases because of the increasing rate of drug / alcohol consumption. Therefore, a lawyer is a person who can help you. A DUI attorney can provide you a wide range of advantages. A DUI lawyer possesses good experience when it comes to defending DUI suspects and they are acquainted with the DUI laws of their state. They even suggest the best deal when it comes to bargaining with the prosecutor and the case.

The advantages of having a DUI lawyer are:
• Their ability to reach plea deal or negotiation which could reduce the jail sentence, reduce the fines and cost for a DUI given by the government.
• A DUI attorney can help you find ways to have the charges dropped and the case thrown altogether.
• They generally allow their customers to contact them at any time of the day and via any form of communication.
• Everything discussed with a DUI lawyer is confidential and protected by the attorney client privilege. Since everything is confidential between a client and an attorney, the client should be completely honest with the DUI lawyer to help build a defense.
• A lawyer can help delay the proceedings in the courtroom to help minimize the burden on the accused or even help move the case to a more favorable Judge.
• DUI lawyers have an easier time subpoenaing the police report and evidence against you, if you are cited for a DUI.

DUI attorneys will also be able to help you get a driver's license back and / or have the DUI charge reduced or dismissed. If the suspect was arrested for driving under the influence and had his license administratively suspended by the arresting officer through the Department of Highway Safety and Motor Vehicles, a DUI attorney can appeal the license suspension and, hopefully, recover the license before going to court. This will allow the suspect to keep driving until the case is in trial, while the judge has not decided whether or not to revoke or suspend the license criminally.

If the suspect in a DUI case is a first time offender, the DUI lawyer may able to have the charge reduced to a reckless driving. This will result in lesser fines, a reduced time of probation, a reduced sentence all together and may not involve a trial in the court. Last but not the least, one of the most important benefits of using a DUI attorney is that he or she will be able to determine if the officer has reasonable cause to stop the driver and if there was a reasonable cause to have the driver conduct DUI test . At the same time they would know whether or not the test was conducted properly.

There are no disadvantages of hiring an attorney because DUI laws keep on changing from time to time and only a lawyer knows them completely and in-depth. Sometimes you may feel that instead of presenting a defense, accepting your offense is better. But your attorney will definitely help you in many ways.

You should completely brief him about your case as your attorney should have full details of the happening. A DUI Attorney is also required because your reputation is at the stake if you are booked under the case.

So, if you are booked under DUI case then you should hire a DUI attorney. One should not choose a lawyer who is a generalist in all criminal cases but a specialist who gives you the best advice on your case and takes the administrative license suspension as serious as the criminal charges.

To Replace or Repair Your Windshield, That Is the Question

In the past, when your windshield got some cracks or chips, you had to replace it immediately. Fortunately today, through modern technology, windshields with damages such as these can still be repaired. This allows car owners to save their windshield as well as their money, which they would have spent on a replacement.

However, there are also some limits to the most technically advanced glass repair systems. When a windshield gets severely damaged, it needs to be replaced with new glass.

To repair or to replace the windshield

To know whether a windshield has to be repaired or replaced, the size, site and extent of the damage need to be considered. Most repair shops can fix cracks as long as 3 inches and chips that are the size of a quarter. If the damage goes beyond these sizes, the windshield will require immediate replacement.

There are a number of facilities that allow the repair of cracks measuring up to 1 foot. Therefore, it is best to look around before proceeding with windshield replacement.

Another important factor to consider when choosing between repair and replacement is the site of the damage. When the windshield acquires cracks at its edge, these can easily spread and affect the glass' structural integrity. When they are seen right away, these can still be repaired. In a major of cases, though, it would be best for the windshield to be replaced.

Keep in mind that there are a number of facilities that do not repair chips that are directly in front of the driver's field of view. Repairing chips on the windshield can cause some small distortions in its glass. Instead of compromising the driver's vision, some shops would rather opt for a windshield replacement.

No matter how big a crack or chip may be and where it might be located, it must be repaired right away. When you wait too long for this, dirt can find its way to the area that has been damaged, and this can have an effect on the efficiency of the repair. Damages as a result of accidents and other major impacts can go beyond repair. In these cases, the windshield needs to be repaired.

The cost of repairing a windshield

The cost of repairing chips in the windshield is, more or less, the same across the country. It costs $ 40 to $ 50 to repair a single chip and an additional $ 10 for every extra chip.

The price of repairing cracks is just about the same, but when the crack is more than 3 inches, this requires a costlier treatment.

The costs of replacing a windshield costs much more and varies, depending on the vehicle. Aside from the price of the windshield, the total replacement costs include the molding kit and the labor of installing it.

There is a difference between the price of dealers and independent glass shops. This is because they use different kinds of glass. It is common for dealers to charge more because of the Original Equipment Manufacturer (or OEM) windshield. The kind of glass is the exact same one that was originally installed in the car.

Independent glass shops charge less than dealers because they use windshields coming from suppliers that are non-OEM. Nonetheless, they are made of glass that is similar to OEM windshields in terms of quality, clarity and safety. Non-OEM glass should conform to the safety standards just like OEM glass, if not exceed them. Whenever windshields are replaced, every glass shop advises the use of sealers and adhesives recommended by OEM.

Best Places to Have Your Windshield Repaired or Replaced

There is a variety of options with regards to the repair or replacement of windshields, based on your specific requirements.

Automotive glass specialists

Facilities such as these are experts in repairing and replacing automotive glass such as windshields, rear and side windows. They try to exhaust all efforts to repair and save the windshield before they consider replacing it.

Windshield repair facilities

These are nationally franchised shops that only do windshield repair jobs, such as fixing chips and cracks. They do not replace windshields.

New car dealers

If your windshield has to be replaced, you can go to your local dealer and let them install an OEM windshield. Lots of dealers sub-contract mobile glass services and they do on-site windshield replacement. There are times when dealers also offer non-OEM windshields.

Mobile services for repairing and replacing glass

Instead of going to a facility to have your windshield either repaired or replaced, you can get these services conveniently at home or work, where your vehicle is parked.

General glass services

Aside from repairing and replacing automotive glass, they offer other services like the installation of residential and commercial glass.

Insurance Coverage

Almost all companies that offer automotive insurance cover the replacement and repair of windshields. However, since windshield replacement costs up to ten times more, there is a difference between the coverage of repair and replacement.

When your windshield is replaced, you will be asked by your insurance company to pay the deductible while they pay the cost of replacing it.

The deal is better when your windshield is repaired. Since the cost of repairing a windshield is more affordable than replacing it, a number of insurance companies are willing to forgo your deductible and at the same time, pay for the full repair.

With this kind of arrangement, more customers are encouraged to have their windshields repaired rather than replaced every time they get small chips or cracks. This means considerable savings not only for you, but your insurance company as well.

However, if your windshield badly needs to be replaced, do not hold back. Have a new one installed. It is difficult to see through a damaged windshield and this can make you prone to accidents. The damage may have affected the glass' structural integrity and when this is not replaced immediately, this could further weakened.

To know whether your windshield needs to be repaired or replaced, it has to be carefully examined by a certified glass specialist. In addition to this, before agreeing to any windshield service, verify your coverage terms with the help of your insurance agent.

How windshield repair works

A windshield is repaired by injecting a special resin to the crack or chip by means of a tool attached to the glass. The moment it is injected, the resin is cured then polished. This restores the glass' durability and clearness.

When a windshield gets chipped or cracked, this spreads to the innermost layer of plastic that comes between two glass sheets. There are times when a drill is utilized to create a clean path towards the plastic and the damage is repaired by injecting the resin into it.

Repairing a windshield, just like first-aid, is a preventive measure that keeps losses from becoming worse. The results may be almost flawless in some cases and slightly blemished in others. Whatever the case, windshield repair can effectively prevent the damage from becoming worse.

Chips are different from one other, so some of them will have a better response to glass repair than others. However, a windshield that has been repaired will not be as clear as a newly installed one.

Uninsured Motorist Car Insurance

I wanted to break down the main parts of car insurance for you to understand what each are and why you have to pay so much for each part. The three main parts are liability, collision, and comprehension. This article deals with an option called uninsured motorist.

Uninsured motorist means just that – a driver that doesn’t have insurance. And if they smack you and they don’t have insurance, then you have to sue them to get any money or to get paid for damages. But guess what? If they can’t afford insurance, do you really think you’ll be able to get any money from them if you sue? You could sue and probably win. But then you’d have to get a judgment and IF they had a job, then you could get their wages garnished for years and years to finally pay back the damages.

But it can go deeper than that. What if someone was hurt? Uninsured motorist covers you and your passengers up to the coverage you currently pay for as if you had the accident. So, if you had $100,000 coverage, but it wasn’t your fault, then your insurance company would pay the medical bills.

Try garnishing someone’s wages for $100,000. By the time they got close to paying you off, you’d die of old age.

Some insurance companies combine uninsured motorist coverage with underinsured motorist coverage. Let’s say they have insurance, but not enough to pay for all the injuries and repairs. Then your underinsured kicks in and pays the rest up to your policy limits.

Nobody wants to get into a car accident, especially with someone that doesn’t have insurance. Unfortunately, some people get insurance only long enough to get the tags for their car and then cancel their policy. Sure, they might get a ticket or if they have an accident, get fined, but these laws and fines still don’t get your car fixed.

I wish it was a good deterrent, but I don’t think its enough. Protect yourself. Speak to your insurance agent and discuss this option. Uninsured motorist protection runs on average of about $40 per year for $100,000 worth of coverage.