bob sanders : Friends are great but when they are driving your car and crash, it becomes a big deal. What should you do?

Punching someone in the pocketbook can cause more pain than spreading nasty rumors or posting a mean Facebook message. A bad “friend” who crashes your car can affect your finances for years: Auto insurance follows the car, not the driver. And if your so-called friend is uninsured and you have low auto insurance liability limits, you’re both in hot water.

“If you lend someone your keys, you’re lending your insurance, too,” explained Robert Passmore, senior director of personal lines at the Property Casualty Insurers Association of America, an industry trade group.

Here’s how a friend can wreck car insurance havoc.

Scenario No. 1: Your friend crashes your car, and you both have low liability limits.

Let’s say you loan your car to a friend and he crashes it, causing an accident with another vehicle. Both you and your friend have auto insurance with low liability limits. The accident exhausts the liability limits on both policies.

Once this happens, the person who was hit can sue you for medical or property-damage bills that weren’t covered by insurance.

For repairs to your own car, you’ll have to use your collision insurance (if you have it). But you’ll have to pay your deductible on a collision claim, which can be costly.

Your friend may be found to have partial liability for the accident damages, but “states and insurers have different rules for deciding partial liability,” said Passmore. “You’re lending your friend a major asset. You should be cautious.”

Scenario No. 2: Your uninsured friend crashes your car, and you have low liability limits.

This is the worst-case scenario. Your own auto insurance limits will be exhausted, and then the liability shifts to your friend — but you can both be sued.

“Attorneys are looking for liable parties,” warned Michael Barry, a spokesperson for the Insurance Information Institute. He adds that when there’s bodily injury to someone else, your exposure for having loaned your car dramatically increases. “It can be open-ended,” said Barry.

And to top it off, your car insurance rates could go up as a result of the claim, depending on your recent claims history.

Scenario No. 3: Your friend crashes your car, and you both have high insurance limits.

This is the best scenario because all damages are likely to be covered, but your insurance limits are still exhausted before your friend’s policy is tapped. As in the first scenario, you’ll have to pay your deductible for any collision claim for repairs to your own car.

In the final analysis, the best strategy is to guard your car like you’d guard your money: Loan it sparingly, and don’t always expect to get it back.

You need to make sure that you must have the optimum car insurance coverage and limits so that you would not have any issues with being underinsured if an accident happens. Check out our post on limits of liability at  the blog teenautoinsquote and we will fill you in up with lots of more information on getting teen auto insurance and information on insurance. For sure, managing risk is equally important and is money in your pocket- since it prevents money going out!! Save on teen auto insurance or car insurance.

The worst happens.

She ran only in the cafeteria for a second. See also your car from the shop window. But now you are in the parking lot and your car is not. It’s gone. It has been stolen. What do you do now?

Insurance advice the experts at Safeco. It is advised that you regardless of what companies can follow, use for car insurance:

The first contact police and file one report. Make sure that you the report number. You want to that later. Next, you call your insurance, to report a claim. Consider the following information handy: when and where you last saw your cars (date, time and place) year, make and model vehicle ID number, the police, where you save your report, the report number police and your contact information

Once you submit a request, it is assigned to a staff, examine the next steps with you, give you an overview, which includes your policy and answer your questions… If you are entitled to a car, help your exposure to Rep,.

Be prepared
Car thefts are on the retreat, the good news is. In 2008 the decline was the largest single year the fifth year in a row the car theft, to 12.6 percent, percentage decrease since 1999, according to the national insurance Crime Bureau. But that’s no comfort when it is your car is stolen!

The first step, as always, is to ensure that you have to pay the proper coverage for the cost of a stolen vehicle. Most insurance companies, for example, an average wait two to four weeks, if not found the stolen car, before you to authorize, so that you could buy a new car at the end of Institute pay as much as $1,000 for a rental car during the interim, or substitute transportation coverage according to the insurance information if you have no car.

Most experts suggest reviewing car policies annually to ensure that they cover your requirements are, if your vehicle is stolen or damaged in a crash.

Then, review the list in the section above and keep somewhere else this information in a safe place – as your car. The information is useful for the police and claims reports.

Tips to prevent vehicle theft

Worried about the possibility that your car is stolen? If this is the case, the national insurance Crime Bureau calls you follow often from one above the other render an “approach” to car theft protection by following these steps:

Common sense: Use the lowest, basic form of Defense lock your car and take your keys. Audible: Use a visible or audible warning device/alarm system. Immobilizing device: prevent that a would-be thief stared or take your car with ‘kill’ switch, fuel pump, interruptions and intelligent key. They belong to the device, the high and low tech, but extremely effective. Tracking device: You look at the high end high tech tracking devices. These are some of the newer devices available, and they can alert both you and law enforcement in the moment that an unauthorized user moves your vehicle. Passive and active anti-theft systems: Use one of these systems to help to thwart a would-be thief. Passive devices arm itself automatically when the vehicle, the ignition key is removed, disabled, or a door is locked. Active devices require independent physical actions before they are set such as a button, or place a “lock” on the part of a vehicle.

More tips to check, with your Local police department.

Let’s never your car running unattended. Never leave valuables in plain view, even if your car is locked. Always park in high traffic, well lit areas. Never leave personal driving, car title or credit card in your vehicle. To allow with only the ignition and mechanics. When you purchase a high-quality vehicle, questions after an updated anti-theft system. Should select you that shuts off the fuel supply, so that a car can be started or controlled.

chris christie : Looking for best car insruance limits.

Response : Each State requires that people buy liability insurance. Liability insurance is the type of coverage that pays the medical bills and damaged property in a car collision. The driver is the cause of the accident will be responsible for the other drivers medical bills pay and for the repair of the damage of the property; This is the purpose of insurance.

A State of minimum requirements

To ensure that everyone has the means to pay the medical expenses and loss expenses following an accident, which, you have caused, every State has requirements for liability coverage. All personal injury must purchase coverage, and they also property damage coverage.

Each State distributions a sum of money for medical expenses for one person. You determine a lot to fault tolerance driver must for at least two people injured in a car collision. The final amount is allocated to the repair of damage property.

Delaware, for example, requires that its drivers have at least $15,000 in medical costs for at least one person and $30,000 for at least two people for the whole accident. Drivers need to purchase also $5,000 on invoices for property damage. The numbers are written usually in this way: 15/30/5.

The minimum requirements, not appropriate

As Delaware can be seen, this extremely low numbers are displayed. The fact of the matter is that it is often the case that these minmum requirements for the insruance  not nearly enough to cover all the costs, which were in a car collision. With as this case, drivers found that that are error parties in an accident open proceedings of the people, which affected.

The best car insurance limits

Insurance agents agree to, that the minimum requirements is not sufficient. Another surprising party agrees the insurance agents, further liability coverage is required: leasing companies. Anyone who is a vehicle leasing must agree that the best car liability limits concerning insurance have been completed to: 100/300/100.

Thus, it is $100,000 for the medical costs, a victim of car accident and hospital and rehabilitation dies funeral expenses expenses for at least one person. $300,000 will assault on the entire accident for at least two claims be shown, and $100,000 covers all damage.

The undervaluation of the cost

The area where States insurance coverage that have underestimated the need, is in the area of property damage. In all States, the amounts for reporting to repair and replace you property are the lowest with the least amount required is $5,000 and the most being $25,000 for the entire accident. Some car collisions exceeded landscaping alone $100,000 bills.

The strict State

In a no-fault State insurance companies assign no fault driver to either before they start to pay the Bills. The reason is that these States which request, buy all pay personal injury protection (PIP) insurance for their own medical expenses; These limited rights to sue each other in a car collision also driver. But this system leaves damage. In a no-fault State, a driver will be found fault in deciding which damaged responsible for the repair of property is.

The States have pointed out, that prevent that each driver is left without a way to their medical bills to pay, if they are injured in an accident, but these are not enough. The Best car insurance  limits will cover more people in more situations.

Thus, the best thing is first know your state limits, compare auto insurance online, get the best car insurance limits with the cheapest car insurance quote.

Speeding? When to hire a lawyer? Find out if its worth it.

Maybe you had to be somewhere in a hurry. Maybe you were daydreaming. Or maybe you just like to drive fast. Real fast.

But you ended up with an expensive speeding ticket. And if it was your second or third infraction, your car insurance rates  could rise dramatically.

Is it time to call a lawyer?

The cost of an additional traffic violation on your driving record could be several thousand dollars over the next few years. A lawyer might cost a fraction of that, sure, but the outcome is far from certain.

“Most speeding tickets and traffic charges are difficult to beat,” says Warren Redlich, who runs a law firm in Albany, N.Y. “The police usually do a good job, and most defendants are guilty. Still, the police sometimes slip up.”

The best outcome, of course, is outright dismissal of the charge. But a lawyer who knows the ropes can find the levers that could result in a lesser charge, a plea bargain to a nonmoving violation, or probation.

Consider the stakes as well as your likelihood of winning, says Redlich.

“The main reason (to challenge a ticket) is if you already have several points,” Redlich says. “Also, if your job requires a clean license, it may be cost-effective.”

What’s at stake? A lot

A speeding ticket falls into the “moving violation” category, which also includes DUIs or DWIs, careless or reckless driving, running red lights and stop signs, and fleeing from the police.

First-time speeders have options such as going to traffic school to remove from their records the points associated with a violation.. Many states offer this solution, with some even providing classes online. (Your state’s department of motor vehicles  can give details.)

But recurring speeders could have their license suspended or even revoked by the court, especially if an accident or injury is involved. Fines can also be high, sometimes in the hundreds of dollars, depending on the conviction and length of your motor-vehicle record. Some states layer fees on top of fines: Georgia’s “Super Speeder” law levies a $200 fee on anyone caught doing more than 85 mph, and Michigan demands a “driver responsibility fee” of at least $100 for those with multiple violations.

All violations are financially painful, as shown by a report from Insurance.com.

By studying 32,000 car insurance policies bought in 2010, the report found that premiums jumped 18 percent with a confirmed one-time conviction. The increases get more dramatic from there: with two convictions, the rate jumps 34 percent (from a national average of $1,119 to $1,497) and by 53 percent (to $1,713 a year) with three.

Certainly, the more you currently pay for car insurance, the more multiple convictions will cost you.

Robert Passmore, a spokesperson for the Property Casualty Insurers Association of America, says the penalties are reasonable because insurers face higher risks when they cover repeat speeders or those with numerous other moving violations.

So, a lawyer helps how?

Experienced traffic lawyers spend their days in court, which means they know two things you don’t: the technicalities and the system.

Speeders are ticketed for the obvious reasons: They can hurt themselves and others. But those policing you are human, and despite extensive training and experience, can make mistakes. The lawyers know where to look for weaknesses.

“Winning your case depends on several things, including whether your speed was recorded by camera, radar gun or other devices,” says Amir Soleimanian, who likes to go by “Mr. Ticket” and heads law firms in Los Angeles and San Diego. “Also, the weather and road conditions are very important.”

An ongoing relationship with the court system is just as much an advantage.

Andrew Flusche, a traffic attorney from Fredericksburg, Va., recommends finding a lawyer who regularly handles cases in the courthouse where your case is scheduled. You want someone who knows all the local players, including judges and district attorneys, to get the best outcome possible.

“Even within the court, the case can differ a lot depending on the prosecutor that’s working on your file and … the judge that your case will be going before,” says Flusche.

What to ask a lawyer about costs

Do you charge by the hour or a flat fee?What is your rate?What does the rate cover? Not cover?How and when do you expect payment?

The cost of representation varies widely. Redlich, for instance, charges a flat fee of $500, while The Ticket Clinic, a firm operating in Florida and California, says it typically charges $150 to $250 per case.

In bigger cities where there may be many lawyers competing for business, some may charge as little as $75.

If you’re on the fence about cost, consider getting auto insurance quotes,  either from your agent or online, that reflect the additional ticket. (Your insurer won’t levy any surcharge until the conviction actually appears on your motor vehicle record.)

This are just views and hence it would be best to get legal help, this is to provide you with an idea.

diana nyad : Obviously looking for cheap car insurance quotes.

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