Most Recent Auto Insurance Guide in Driving And Traffic Laws

• Teens Driving Safely: Here’s How To Do That

  by Hayden Krueger

  If you are a parent of a teen driver, you know how hard it is to trust your child to drive on his own. But since you cannot drive him forever, eventually you will find yourself in this situation a bit sooner.

  It is the end of the school year again and graduation is the sweetest time of a child’s life. There is a whole new life ahead of him but not for the too many whose dreams have been cut short by a car tragedy which could have been prevented in the first place. Driving requires common sense where every parent and child should know, and since your child will be getting his own wheels in the coming weeks, spend time to instill these tips into him.

  Do not party on the car.

  Many states are now monitoring closely the number of passengers that can be carried by a … Click here to read more

• Hang Up That Mobile Phone And Drive!

  by Hayden Krueger

  Mobile phone is life’s essential and in fact, many of us could not live a day another day touching our cell phones. However, recent statistics indicate that roughly 80% of all car-related accidents are caused by the distractions of the driver when using cell phones while driving.

  Many U.S. states have identified the impending dangers of mobile phones and passed numerous legislations to require the drivers to use “hand-free” devices when talking inside their cars. Interestingly, people continued to disregard the said laws and in fact, added other equally dangerous acts of texting and surfing while driving!

  This problem is not isolated in the U.S. but in the U.K. as well where there is an increase of about 40% in 2008 of the drivers receiving citations for using their mobiles phone while operating their cars.

  The grim statistics

  According to the experts from University of Utah, the distraction caused by … Click here to read more

• New Jersey is Cracking Down Careless Pedestrians

  by Hayden Krueger

  One morning, you are driving for work and witnessed a pedestrian being hit by a motorist. You cannot help but think how careless the driver was to hit the poor guy. Well, the assumption may or may not be true because there are times that even the most vigilant driver becomes the victim of careless pedestrians. 

  According to the report of Washington University in St. Louis Missouri, more than half or about 51% of all the reported accidents, pedestrians were found to be at-fault.

  The personal responsibility

  Many states recognize that being safe on the road is not the sole responsibility of the drivers but to the pedestrians as well. In fact, in the State of Colorado, the law clearly indicates that pedestrians must wait and give ample time for the vehicle to full stop before entering the crosswalk.

  There are also existing pedestrian laws such as anti-jaywalking and crossing … Click here to read more

• Traffic Laws and Auto Insurance – Drive Safe and Pay Less

  by Hayden Krueger

  Auto insurance can be really helpful and easy to handle too, if your premium amount is not too high to pay every month. One of the most basic and important reasons of your premium rates to go high is related to your driving records. Your insurance company will keep a check on your driving record regularly, to see if there are any traffic violations. The minute they find one, they will get ready to collect more monthly premium from you, as they consider you to be a risky driver. Traffic rules and the way they affect your premium rates differ by state. Generally, offenses that classify you as a more risky driver can affect your premium rates really bad, and some minor traffic offenses and one-time only offenses, though they affect your premium rates, do not evidently change it.

  Speeding and reckless driving

  Speeding is an offence that can get … Click here to read more

• The risks of driving without auto insurance coverage

  by Hayden Krueger

  Driving without auto insurance coverage is a crime in all 48 states of the United States of America. There are severe penalties for not driving without a valid auto insurance policy all over the country.

  There is something known as minimum auto insurance coverage that all auto owners must own. And this minimum limit varies from state to state. The minimum coverage specifies the minimum limit for personal injury sustained due to an accident. It will also state the minimum amount that one must be covered in order to provide for medical coverage for all individuals involved in the accident. And finally it will state the minimum amount of money that must cover property damage accrued as a result of the accident.

  In certain states, additional minimums might be specified. Like tort damages or medical benefits coverage. Tort coverage is necessary to ensure that all car owners have the minimum … Click here to read more

• Repercussions of driving without auto insurance coverage

  by Hayden Krueger

  Are you driving without auto insurance coverage? If you are, you possibly are one of many drivers out there doing so, each with their own reasons. Some have failed to pay their premiums, others just didn’t buy insurance because it was too costly, some never felt they needed it, and for others their state just didn’t require it so they didn’t feel like spending the extra cash.

  Whatever the reason you have for driving without auto insurance coverage, here is some information for you on what can happen because of this poor decision.

  Firstly, most countries and states require that you have at least a minimum amount of auto insurance coverage to be on the road. This is to insure that in the event of an accident, you can pay the costs.

  If you are caught driving without proper auto insurance coverage, you face the loss of your license and … Click here to read more

• New Hampshire Driving and Traffic Laws

  by Hayden Krueger

  Every state in the United States has its own strict code of rules and regulations. These rules must never be broken and must be adhered to very strictly and respectfully. The state of New Hampshire follows the Tort system. The Tort system means that in case of an accident, a person has to be found responsible. This person and his insurance company or finances will play for the damages caused due to the accident. New Hampshire also follows the financial responsibility laws. The laws of the state of New Hampshire do not require every driver to have an insurance policy. However, it requires them to carry proof of finances that can cover the cost of damages in case of an accident. However, many people elect to go in for auto insurance.

  New Hampshire also uses the commonly used points systems. New Hampshire awards demerit points based on the seriousness of … Click here to read more

• Hawaii Driving and Traffic Laws

  by Hayden Krueger

  In Hawaii, you should undergo an approved driver education course and a driver training course if you are under 18, even if you possess driving license of another state. You would be granted a provisional license after you complete the courses successfully. If you are over 18, you need not undergo these courses but attending them would be quite useful. For cars, Hawaii provides a Class 3 license for driving vehicles that weigh 15,000 pounds or lesser. The vehicle design should allow transport of a maximum of 15 passengers, including the driver. 

  The drunk driving laws in Hawaii are determined by a point system that evaluates the records of a driver. The driver would be constantly monitored for continued driving qualification. The graduated scale of points assigned to the driver for various traffic violations are listed hereunder. 

  • Driving under the influence of alcoholic drinks or other intoxicating material                              4 to

  … 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

• 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

• 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

• Kansas Driving and Traffic Laws

  by Hayden Krueger

  According to the Kansas State driving laws, persons above the age of 16 would be able to obtain unrestricted driver’s license, if they are able to prove through an affidavit that they had completed a minimum of 50 hours of practice driving. This practice driving should be under the supervision of a person above the age of 21 with a valid driving license. Further, out of these 50 hours, at least 10 hours should include driving at night under supervision. If no affidavit is provided, the restrictions for license would continue until the driver reaches the age of 17. Further, if there are two or more traffic violations during this period, the license would become restricted until the age of 17.

  Even though the Driver’s License Bureau in Kansas State would not require an actual log for the 50 hours of driving, it would be better to maintain a log, … Click here to read more

• Michigan Driving and Traffic Laws

  by Hayden Krueger

  The state of Michigan follows the no fault system of laws. This system of laws is in contrast to the tort system which says a person has to be found responsible. However, in Michigan no person has to be found at fault. According to his system, each driver is paid by his own insurance company in the case of an accident. Michigan is one of the thirteen states that follow this law. However, perfect no-fault laws cannot be followed as people do not want to pay for damages caused by other drivers. Therefore, the no-fault party is allowed to sue the at-fault party if the damages incurred exceed a pre decided amount.

  The state of Michigan has also made auto insurance compulsory for every driver on its roads. The minimum liability for bodily injury is for an amount of twenty thousand dollars per person and forty thousand dollars in total. … Click here to read more

• Maryland Driving and Traffic Laws

  by Hayden Krueger

  The state of Maryland has a major portion of its roads in and around the cities of Baltimore and Washington D.C.  These cities are the most congested cities in the United States. Thus, the roads of Maryland are very congested and see a lot of traffic. In such high traffic situations it is of utmost importance to ensure that a driver follows all the rules and regulations set by the government. These rules are written purely to ensure that each driver is safe on the road. Every driver must realise that any violations of these rules might endanger his life along with many other families. Violations of the law will be harshly dealt with.

  The state of Maryland follows the Tort system of rules. According to this system, in case of an accident, the person responsible for the accident must pay for all the damages caused due to the accident. … Click here to read more

• Maine Driving and Traffic Laws

  by Hayden Krueger

  With the number of vehicles increasing, the number of accidents is increasing as well. To ensure that every driver is able to pay for all the damages he might cause in case he is involved in an accident, states have made auto insurance mandatory. The state of Maine has also made auto insurance mandatory. These rules are in accordance with financial responsibility rules. The state of Maine also follows the Tort system of rules. According to this system, if there has been an accident, one of the drivers involved has to be found responsible. This driver and his insurance company have to pay for all the damages caused due to the accident. The victim is also allowed to sue the driver for damages.

  The state of Maine has set a very high minimum liability when compared to other states. The minimum liability fixed is fifty thousand dollars for bodily injury … Click here to read more

• Louisiana Driving and Traffic Laws

  by Hayden Krueger

  Each state writes own set of rules and regulations to ensure safety for each and every one of its citizens. These rules help us to lead a safe and secure life. Anybody found violating these rules will be severely punished and penalised. There are a similar set of rules governing the motorists and the drivers of the state of Louisiana. Any person who might violate these rules must realise these laws in place to ensure our safety. Any violation will be put the driver’s and other people’s lives in danger.

  The state of Louisiana follows the Tort system. According to this system, in case of an accident, a person has to be found responsible for the accident. It is the responsibility of the person and his insurance company to pay for the damages caused due to the accident. Thus, it is very important to ensure that every driver has enough … Click here to read more

• New Mexico Driving and Traffic Laws

  by Hayden Krueger

  The state of New Mexico has written a code of laws to ensure the safety of its citizens. It has also written some rules governing the actions of the drivers and motorists on its roads. These rules must not be violated at any cost. Any person found violating these laws will be penalised heavily. Every motorist must also remember that each of these rules is written for a specific reason and any violation will put their and other people’s lives in jeopardy. One such rule would be the rule regarding the auto insurance. Auto insurance has been made mandatory in the state of New Mexico.  Auto insurance has been made mandatory to ensure that in case of an accident, the driver who caused the accident has enough finances to pay for the damages caused during the accident.

  The minimum liability fixed by the state of New Mexico is of the … Click here to read more

• South Dakota Driving and Traffic Laws

  by Hayden Krueger

  There are many rules and regulations which govern the citizens of the country. Each of these rules is written to ensure the safety and harmony of all the people. These laws must never be violated and must be adhered to all the time. Every state writes its own set of rules for its citizens. The motorist on the road must understand that the rules are for his own good. If he violates the rules, he must realise he is putting himself and some other lives in danger. Any violation of the rules and regulations must be strictly dealt with. Any person found violating the laws must be penalised.

  The state of South Dakota has made auto insurance mandatory. Therefore, no driver must be allowed to drive without proof of insurance. The minimum liability in the state of South Dakota is twenty five thousand dollars for bodily injury per person and … Click here to read more

• Rhode Island Driving and Traffic Laws

  by Hayden Krueger

  Every state has a strict code of rules and regulations. These laws are written to ensure the safety of the citizens. Hence, they must be followed at all costs. Any violations of these laws will be seriously dealt with. There are a set of rules and regulations written in Rhode Island too. There are a set of rules and laws written to govern the motorist on the road as well. These laws are all the more important as any violation of the laws could be putting one’s own life along with others in jeopardy. Therefore these laws have to be carefully adhered to.

  The state of Rhode Island has made auto insurance mandatory, just like many other states. The minimum liability is twenty five thousand dollars for bodily injury per person. The total amount for bodily injury is fifty thousand dollars per accident. The amount fixed for property damage is … Click here to read more

• Oregon Driving and Traffic Laws

  by Hayden Krueger

  The driving and traffic laws in the different states across the country are pretty much the same, except for some minor variations and changes that might be unique to a particular state. These rules are usually explicitly specified and are written in such a way that one need not be too worried about breaking them and will normally be made aware of them in large and explicit road signs. The only thing that varies might be the fine and the penalty for breaking any of these laws, and one needs to be careful while driving to ensure that they are following all the local rules and regulations.

  The next rules are pertaining to drivers who are below the age of 18. These drivers, often labeled as young drivers, have slightly different rules than those who are 18 years of age or older. Under Oregon law, a driver under the age … Click here to read more