Teen Auto Insurance Quote » Auto Insurance Claim

How is teen auto insurance quote affected by an insurance claim?

Kamlesh Desai — Sat, 05 Dec 2009 03:49:56 +0000

Mary Couch : I am a teenager and what should I do if I get involved in a teen auto accident? How much loss can ocurr? Will my auto insurance rate go up?

Response : When any person let alone a teenager gets involved in an auto accident, than the regulations are the same for all but or certain steps you should take in order that your auto insurance claim is not prejudiced :

• Make sure that everyone involved is safe and that medical/emergency care is being provided.
• Notify the local police.
• Write down the following information:
• Location, date, and time
• Names, addresses, and license numbers of other drivers and passengers
• License plate numbers and vehicle descriptions
• Injuries to you and others, if any
• Names and telephone numbers of any witnesses

The amount of loss is difficult to say since it would vary from each accident and the severity of the accident. After the auto accident the insurance premium will defintely be high and this would continue to be high for a period of 3 years even if the loss paid by the insurance company is not high, since the claim shows that you are not a safe driver. Your driving record is affected. If the severity of the accident is higher than you might get some points on your license and this will affect your auto insurance premium which will be much higher. For cheap auto insurance quotes or cheap teen car insurance quotes you will have to improve your driving record and also shop online for comparitive auto insurance quotes.

Thanks.
Kamlesh

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Ban on text messages helps cheap teen auto insurances

Kamlesh Desai — Mon, 02 Nov 2009 03:16:29 +0000

Christen Steward: Why is so much importance being given to text-messaging whilst driving? How would this affect the auto insurance rates and getting cheap teen auto insurance?

Response: Christen, ban on text messages would help in getting cheap teen auto insurances since prevention of accidents would lead to better driving history and thus cheap auto insurance quote.

I understand this concern and especially for teenagers who are used to the mordern gadets. Text messaging whilst driving has caused a lot of fatal accidents since text messaging is one of the second highest reason fro auto insurance claims and accidents other than speeding.

Auto insurance rates are affected and it is difficult to get cheap teen auto insurance if one is driving with distractions, text messaging being one is because you are more likely to get involved in an accident. Once you have an accident than you are going to have an auto insurance claim, which will push up your auto insurance rate and will prevent you from getting cheap teen auto insurance quote.

Here are some of the reaosns why the different states have brought in the law banning text messaging whilst driving.

Texting while driving increases the risk of accident 23.2 times over unimpaired driving.

Texting while driving results in longer response times than even drunken driving. While an unimpaired driver can respond quickly to changes in traffic and begin braking within half a second, a legally drunk driver needs four additional feet to begin braking—and a driver who’s texting needs 70.

In the moments before a crash or near crash, drivers typically spend nearly five seconds looking at their mobile devices—enough time at typical highway speeds to cover more area than the length of a football field.

Though 95 percent of drivers surveyed said texting behind the wheel was unacceptable and unsafe, at least 21 percent admit to doing it anyway.

Especially amongst teens, texting results in erratic driving behavior, like lane weaving and speeding up and down, increasing the likelihood of hurting pedestrians and running into other vehicles.

Texting behind the wheel is generational: 37 percent of drivers 18 to 27 admit to texting while driving, compared to 14 percent of 28 to 44 year olds, and 2 percent of 45 to 60 year olds.

An accident can happen in two to three seconds while texting.

Insurance is based on data and auto insurance is based not only on the data but also on the fact that this would affect human life’s and hence risk prevention and control is more important for this than other areas of insurance. Save your life and others.

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Teenager survives auto crash – Safety features

Kamlesh Desai — Wed, 28 Oct 2009 02:31:06 +0000

Failure to negotiate sharp curve. During the early morning hours of April 30th, 2000 a teenager on his way home failed to negotiate a curve lost control on the berm of the road, ran down into a culvert jumped approximately 5ft up in the air struck a tree then landed in the culvert again up against a drainage pipe.

It took rescue workers 20 minutes to extricate the teen who was trapped from his waist down, the roof had to be peeled back with jaws of life and the driver door had to be removed. He was flown to a local trauma center where he was treated for his injuries.

Teenager was injured badly in the accidents. However the main factors which save the teenager Brain in this accident were the foollowing :

The teenager was not actually speeding and hence though he lost control in this case, the impact was lesser.

The auto had a strong roof, had good safety features

The teen had put on the safety belt.

Life is very valuable and it is true that if you do have an auto insurance claim, your premium will increase for 3 years, however being alive and in complete good health is more important.

The above three points are the key points for auto accident safety that each teenager and parents should keep in mind. The teenagers need to understand the importance of safety features since your judgment and alertness might be affected becaues of a number of factors.

Parents should buy cars which have good saftey features and which are strong. National Highway Safety Institute keeps on publishing the reports on the safety of the cars from time- to time. Yes, the auto insurance companies also give you a good discount of 5-10% for safety features of the auto.
Teenager auto insurance quote should be shooped around and you would get cheap auto insurance quotes, but even more important is to drive safely and utilise the safety features like a seat belt. Enjoy your Haloween and happy trick or treat!

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Personal Injury verdict of 49 millon.

Kamlesh Desai — Mon, 05 Oct 2009 03:11:43 +0000

Bill : How much can an auto insurance claim amount to? What are the best limits?

Auto Insurance coverage limits are dependent on claims

Response: Auto insurance claims can be very high. A recent Northern California jury has ruled that the state and two truckers are liable for $49 million in personal injury damages after an accident that left a college student with brain damage.
The award is one of the largest personal injury verdicts delivered in Santa Clara County, which is just south of San Francisco, in recent years, according to the Reeves Law Group, the firm representing the student.
According to a press release from the firm, the student, Drew Bianchi, was riding in the back seat of a Toyota Avalon, going on a camping trip with three friends.The car was traveling down highway 152 through the Pacheco Pass. Two trucks collided near the center line, and one of those trucks rammed into the rear of the Avalon that Bianchi was riding in.
Bianchi was then a student at a community college in Bakersfield, with plans to go on to the University of California, Davis. He now lives full time in a treatment facility in Bakersfield, near his family.
Lawyers for a co-plaintiff argued that reckless driving by the two truckers involved was the main factor in the accident. One of the truckers drifted across the center line. The other was texting at the time.
The state of California came to a $10 million settlement before the case went to trial. The claim against the state contended that Caltrans had failed to take several steps to remedy known safety issues on the road.
With all the settlements and the jury award, Bianchi will receive a total of about $61 million. It is expected that he will require specialized care for the rest of his life.

Please take the higest limits as possible for auto insurance quote. With online quotes you will get cheap auto insurance quotes.

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