Sunday, February 14th, 2010 at
10:33 am
Jenffier Garnier : I learnt a lot on how to get cheap car insurance for young drivers and a cheap auto insurance quote for my car . Thanks I saved $477/- per year. I have some querries for auto insurance claims. What if I meet with an accident when I am a passenger in a car? Will I qualify for cheap car insurance if involved in an accident as a passenger?
Teen auto insurance and car insurance claims
Response :Jennifer, thanks for sharing with me that you got cheap car insurance for young drivers from here. Your satisfaction is most rewarding for me. When you are involved in any auto insurance claims situation if you are aware of how to go about things, it saves a lot of time and grief on both sides – yours as well as the insurance company.
There will be two situtations where you are the passanger of a car involved in an auto accident. One is when you are riding in the car out of choice in your friends vehicle or family vehicle. As a passenger, you can collect for damages from one of two ways: 1) under your driver’s medical payments coverage or 2) filing a claim against the at-fault driver’s liability coverage. You must collect like the driver, all important information—names, addresses, license numbers, policy numbers, etc. How much you will be paid would depend upon the extent of your injury, how much coverage your fried or family has, how many people were involved in the accident, and on how well insured the other drivers are. This is because under liablity there is a per person and per accident limit.
Taking another example, if you are riding a cab as a paid passenger and are involved in an auto accident, than besides the above ways of claiming you have another option. You can file a legal suit against the cab driver or the cab driver’s company claiming for your injury and any other damages resulting from the injury.
Will I qualify for cheap car insurance if involved in an accident as a passenger?
This will not blemish your driving record since you were not driving and also not affect youa auto insurance rates since it was not involving your vehicle. You will still get the cheap car insurance rate on your auto insurance policy which you can continue to enjoy.
Thanks.
Happy Valentie Day.
Kamlesh
Sunday, November 1st, 2009 at
9:16 pm
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.
Sunday, October 4th, 2009 at
9:11 pm
Bill : How much can an auto insurance claim amount to? What are the best limits?
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.
