Auto Insurance Guide Archive for 2009

  • Hawaii Auto Insurance Coverage

    by Hayden Krueger

    Auto insurance is not a pleasant subject. We had to discuss the possibility of an auto accident, bodily injuries, or even fatality. Still, it is something that could not be ignored. If you do not have auto insurance, you might be forced to shell out huge sums if you get involved in an auto accident and you might even get financially ruined. Hence, you should know what types of auto insurance coverages would protect you from this risk. Normally, auto insurance could be divided into six major components, though several other minor types of coverages are offered by Hawaii insurance companies. 

    Bodily Injury Liability Coverage 

    Commonly known as liability coverage, this bodily injury liability coverage is mandatory in Hawaii by state law. According to the Hawaii statute, each person driving a vehicle should have a minimum bodily injury liability auto insurance policy limit of $20,000 per injured person and a … Click here to read more

  • Hawaii Auto Insurance Basics

    by Hayden Krueger

    Car is inevitable for the fast modern life. Since the place of work and residence are quite a distance away, commuting by car is the easiest proposition, even though car pooling and traveling by public transport might sometimes be possible. While driving a car in crowded city traffic, chances of accidents always exist. Even in Hawaii, the possibilities of auto accidents are substantial. Auto insurance becomes inevitable to protect yourself from heavy financial requirements under such circumstances. As such, it is imperative that you know the auto insurance basics to get yourself adequate auto insurance coverage. 

    The auto insurance format varies slightly from one insurance company to another in Hawaii but the basics are about the same. They are presented here briefly. 

    Declarations Provided by You When You Apply for Auto Insurance 

    If you wish to purchase auto insurance, you should first submit complete details about you, your family members, … Click here to read more

  • Iowa – Tips for Saving on Car Insurance

    by Hayden Krueger

    The continuing high level of job cuts in the United States and the peak unemployment rate at around 10% had resulted in huge financial burden on families in every state in US. Iowa is no exception. People had been forced to cut down on many expenses that were perceived normal previously. However, driving to work and back to home could not be avoided at all. Auto insurance costs are a substantial portion in the family budget of any home. Since auto insurance is a compulsory expense, you should know a few tips for saving on car insurance. 

    Combining Other Insurance Policies with Car Insurance 

    When you purchase all your insurance policies like life insurance, car insurance, home insurance, and health insurance from the same insurance company, you would be able to save up to 15% on your insurance premium amounts. In particular, when you combine your health insurance with your … Click here to read more

  • Iowa – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    Auto insurance is never a simple affair in Iowa or any other state in US. Lots of factors are involved in the quotes offered by auto insurance companies and the quotes could vary widely from one company to another due to their individual assessment about the risks involved with your driving. Since perceptions always differ, you should be able to understand the factors that affect insurance rates in Iowa. Certain factors could be changed by you and certain other factors remain constant and could never be changed. 

    Factors in Auto Insurance that Could Not Be Changed 

    Age is a factor that could not be changed. If persons under the age of 25 are included in your auto insurance policy, the insurance company would hike up your auto premium substantially. This is because persons below 25 had been found to be rash and reckless drivers, taking more risks and over speeding. … Click here to read more

  • Iowa Driving and Traffic Laws

    by Hayden Krueger

    Like most of the states in the United States, Iowa driving and traffic laws are quite strict about traffic violations and accidents. In Iowa, the Office of Driver Services situated at Des Moines tracks the driving record of all the drivers in the state. The Office of Driver Services tries to ensure that the drivers in the state are responsible and safe drivers on the roads. According to the state driving law, the license could be revoked under the following circumstances. 

    • Death of a person resulting from an accident caused by you
    • Using a vehicle for committing a felony
    • Failure in stopping at the accident scene when you are involved in an accident
    • Failure in assisting an injured person or reporting fatality when you had been involved in the accident
    • Providing false information about the vehicle registration
    • Eluding a police vehicle after a signal to stop your vehicle had been
    • Click here to read more

  • Iowa Auto Insurance Discounts

    by Hayden Krueger

    If you wish to fully protect yourself against the risks that could arise from auto accidents, you might need to purchase several types of coverages from the auto insurance company. In Iowa, bodily injury liability coverage and property damage liability coverage are compulsory. Apart from these two, you would also need collision coverage, comprehensive coverage, medical coverage, etc. to meet all possible eventualities to you and to your vehicle. With so many coverages needed to be purchased, the monthly auto insurance premium amount could be substantial. Hence, it is advisable to look for discounts on the auto insurance, which are available to every person, if he/she takes time to find out about them. Some brief tips are provided here on auto insurance discounts in Iowa. 

    Direct Auto Insurance Discounts 

    If you possess two or more vehicles, you could combine the auto insurance for all of them with one insurance company … Click here to read more

  • Iowa Auto Insurance Coverage

    by Hayden Krueger

    Even though Iowa had not made auto insurance compulsory, it had prescribed certain minimum liability coverages as recommendations for drivers in Iowa. The minimum limit for bodily injury liability is $20,000 for each injured person in an accident, and the total limit per accident for all the injured persons is $40,000. Further, the property damage liability coverage minimum limit is $15,000. This is known as 20/40/15 coverage in Iowa. 

    Since the system followed in Iowa is the tort system in accidents, the person at fault in the accident and the insurance company of that person should bear the cost of all claims and damages. Hence, it would be advisable to get adequate liability coverage, even in excess of the statutory limits. Other types of coverages are described below, which could provide you added protection. 

    Collision Coverage 

    When you are involved in an accident, the collision coverage would offer you protection, … Click here to read more

  • Iowa Auto Insurance Basics

    by Hayden Krueger

    The auto insurance laws in Iowa are quite different from the laws in other states in US. Even though the statutory bodily injury liability coverage and property damage coverage policies are required by law, the auto insurance laws of Iowa are not compulsory. However, when you are involved in an auto accident in Iowa, you should produce proof of financial ability to meet the claim that could arise out of the accident. If you fail to do so, your driving license could be suspended. In Iowa, the financial responsibility could be proved in the following methods. 

    • You could produce the bodily injury liability coverage and the property damage coverage to prove that you are adequately covered at the time of the auto accident.
    • You could send cash, certified check, cashier’s check, bank draft, or postal money order. These payments should be payable to the Office of Driver Services in Iowa.
    • Click here to read more

  • Montana – Tips for Saving on Car Insurance

    by Hayden Krueger

    Every state writes its own rules and regulations to ensure the safety of its citizens. These rules have to be followed at all costs. One such rule is the mandatory auto insurance rule imposed by the state of Montana. Auto insurance has been made mandatory to ensure that each driver has adequate finances to pay for damages caused during an accident. This is known as financial responsibility. The torts system makes it the responsibility of the at fault driver to pay for all the damages caused and if he cannot do so, the not at fault driver can sue him.

    The state of Montana has also fixed the minimum liability. This is for an amount of twenty five thousand dollars for bodily injury per person and fifty thousand dollars in total. Mandatory property damage coverage is for an amount of ten thousand dollars. Property damage coverage will cover all the … Click here to read more

  • Montana – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    The state of Montana has followed many other states in making auto insurance mandatory. The number of vehicles on the road is increasing everyday and so does the number of accidents. In the case of an accident, the at-fault driver must be able to pay for the damages caused to the not at fault driver. This is in accordance with the tort system of rules the state of Montana follows. The tort system also says that the not at fault driver can sue the at-fault driver for damages. Auto insurance is mad mandatory to ensure that each driver has enough finances to pay for the damages. This is known as financial responsibility.

    The minimum liability or the minimum amount that one has to be insured for on the roads of Montana is of the form 25/50/10. This stands for twenty five thousand dollars for bodily injury per person, fifty thousand … Click here to read more

  • Montana Driving and Traffic Laws

    by Hayden Krueger

    The state of Montana has written a set of rules and regulations to ensure each of its citizens live in perfect harmony and safety. Any violations of these rules must be dealt with harshly. It has also written a set of rules to govern the actions of motorists on the motorway. A driver who violates the laws must realise he is putting both his life and other driver’s lives and families in danger. Any violation must be immediately penalised.

    The state of Montana follows the Tort system of rules. According to this system, in case of an accident, a driver is to be found responsible and it is the responsibility of the driver to ensure the damages are paid for. The not at fault driver can also sue the at fault driver for damages.

    The financial responsibility rules followed in the state of Montana ensures that each driver as enough … Click here to read more

  • Montana Auto Insurance Discounts

    by Hayden Krueger

    Insurance is very expensive today. The state of Montana has made auto insurance mandatory and therefore, every motorist must have it. Every motorist has to comply with the financial responsibility laws. These laws ensure that every motorist is able to pay for damages caused, if he is involved in an accident. The tort system also allows for a not at fault driver to sue an at fault driver. This just makes auto insurance all the more necessary.

    The minimum liability fixed by the state of Montana is of the form of 25/50/10. This stands for twenty five thousand dollars for bodily injury per person and fifty thousand dollars for bodily injury in total covering two people. The property damage coverage should be for an amount of ten thousand dollars. Bodily injury coverage is used to pay for any and all medical costs incurred by the victim of the accident. Property … Click here to read more

  • Montana Auto Insurance Coverage

    by Hayden Krueger

    Financial responsibility laws are laws that ensure a driver has enough finances to pay for the damages caused in an accident. To ensure complicity with these laws, many states have made auto insurance mandatory. The state of Montana has also followed suit. The state of Montana also follows the tort system. According to this system, one of the drivers involved in an accident is held responsible for the accident and has to pay for all the damages caused. It also allows the not at fault driver to sue the at fault driver for damages.

    Every state that makes auto insurance mandatory also fixes a minimum sum that every driver must be insured for. This is known as the minimum liability. The minimum liability in the case of the state of Montana is of the form 25/50/10. This stands for twenty five thousand dollars for bodily injury per person, fifty thousand … Click here to read more

  • Montana Auto Insurance Basics

    by Hayden Krueger

    Auto insurance is mandatory in most states owing to the increasing number of accidents on the roads. The mandatory auto insurance will ensure that the guilty party in an accident will be able to bear the financial responsibility for the damages caused by them. There are minimum requirements set in most states for the auto insurance that every driver on the roads of Montana has to carry. Not possessing the minimum liability insurance to be carried by law, will incur severe penalties. Staying aware of the law will also help those looking for auto insurance, to take a proper decision on the coverage they will need.

    The minimum liability in the state of Montana is twenty five thousand dollars for bodily injury per person and fifty thousand dollars for bodily injury in total per accident. The fifty thousand dollars will cover two people. Property damage coverage worth ten thousand dollars … Click here to read more

  • Mississippi – Tips for Saving on Car Insurance

    by Hayden Krueger

    Insurance costs a lot nowadays. Many states have made auto insurance mandatory to ensure with the financial responsibility laws. These laws state that every driver must have enough finances to pay for all the damages in case he is involved in an accident. The state of Mississippi also follows the tort system that states that in every accident one of the drivers involved has to be found responsible and this person will then have to pay for all the damages caused during the accident. With these two laws, every person in the state of Mississippi has to carry auto insurance.

    The state of Mississippi has fixed a minimum liability that everyone must be insured for. The minimum liability is of the form 25/50/25. This stands for twenty five thousand dollars per person for bodily injury, fifty thousand dollars for bodily injury in total and property damage coverage for twenty five … Click here to read more

  • Mississippi – Factors that Affect Auto Insurance Rates

    by Hayden Krueger

    The state of Mississippi works on the Tort system of rules. According to this system, in case of every accident, a person has to be found responsible for the accident. It is then the duty of this person to pay for all the damages caused during the accident. To ensure that every person is able to pay for damages caused during the accident, the state of Mississippi has made auto insurance mandatory. This is known as financial responsibility.

    Every state that has made auto insurance mandatory has to also fix a minimum liability. This is the minimum sum for which every driver in the state of Mississippi has to be insured for. The minimum liability is of the form 25/50/25. This stands for twenty five thousand dollars for bodily injury per person and fifty thousand dollars in total for bodily injury covering two people. Property damage coverage for twenty five … Click here to read more

  • Mississippi Driving and Traffic Laws

    by Hayden Krueger

    The state of Mississippi writes rules and regulations to ensure that each of its citizens can live in safety. Any violation of these rules must be dealt with harshly. There are a set of rules written specifically for the motorists of the state of Mississippi. Every driver who violates these laws must realise it is not only his life he is putting in danger but also other people’s lives. Therefore, any violation has to be penalised very strictly with fines and suspensions.

    The state of Mississippi has made auto insurance mandatory in accordance with the financial responsibility rules. According to these rules, every driver in the state of Mississippi has to be able to pay for the damages in an accident he might have caused. To ensure this the state of Mississippi has made auto insurance mandatory. Mississippi also follows the Tort system of rules. According to the Tort system … Click here to read more

  • Mississippi Auto Insurance Discounts

    by Hayden Krueger

    The economic crisis has affected everybody’s lives. People have to plan their finances with a lot of care today. If you own a car, its maintenance will take up a lot of money. You will also have to buy auto insurance for it as auto insurance has been made mandatory in most of the states. Mandatory auto insurance ensures that in case of an accident, the at-fault driver has enough finances to pay for all the damages caused. This is known as financial responsibility laws.

    The state of Mississippi follows the tort system. Therefore, a person who has caused the accident will have to pay for all the damages. This is not similar to the no fault system where each person has his damages paid for by his insurance company. This makes auto insurance all the more important. Thus, one has to buy auto insurance today.

    However, auto insurance can … Click here to read more

  • Mississippi Auto Insurance Basics

    by Hayden Krueger

    Mississippi is a state found in the southern part of the United States of America. The name of the state is derived from the name of the Mississippi river that runs through the state. The capital of Mississippi is Jackson. Jackson is also the largest city is Mississippi. This state has many catfish farms and most of the catfish eaten across the United States come from these farms. It is ranked the thirty second state in terms of area and thirty first in terms of population. Most of the state except for the Mississippi delta is very heavily forested.

    The state of Mississippi has enforced mandatory auto insurance rules. Every rule is written to ensure the safety of the driver and motorist on the road. These rules, therefore, have to be followed at any cost. The mandatory auto insurance rule is to ensure that any driver, in the state of … Click here to read more

  • Mississippi Auto Insurance Coverage

    by Hayden Krueger

    Auto Insurance has been made mandatory in forty eight of the United States of America. The only two exceptions to this rule are New Hampshire and Wisconsin. Auto Insurance has been made mandatory in states to ensure that every driver can take financial responsibility in case of an accident. Financial responsibility is when a driver, who has caused an accident, is able to pay for all the damages caused in the accident. The state of Mississippi has also made auto insurance mandatory.

    The state of Mississippi also follows the Tort system of rules. According to the Tort system, a driver has to be found responsible in case of an accident. This driver or motorist and his insurance company are now responsible for paying for any and all the damages caused during the accident. A few other states follow the no fault system, where nobody is found to be at fault … Click here to read more