Latest Car Insurance News

Breaking news from Zurich Insurance: during the last 3 years, 10 million British people had faced abuse both physical and verbal while driving their vehicles. One in seven was pursued by another driver and one in ten got into a confrontation with an angry motorist. 34% was in the receiving end of such abuse while 64% showed aggressive behavior to other motorists while driving. 77% believed that what they did was okay. However these figures only point out tone thing: driving riskily is very common among motorists and this puts both car and life insurance premiums in danger. To prevent this, motorists are advised to keep their car doors locked, avoid making eye contact with angry drivers and maintain calm at all times.

By leaving behind sensitive personal documents in their vehicles, motorists are at risk of identity theft. According to a study conducted by Direct Line Car Insurance, a 10th of parked vehicles had personal papers on show, including bills and bank statements. Also there are 12% more cars that had valuables positioned in full view of passersby. Upon interviewing car owners, it was discovered that 7% had forgotten to store their items away from sight and 6% even admitted that they forgot to lock their car doors. Jennifer Culley, Direct Line Car Insurance spokesperson says that car owners must ensure they don’t leave valuables or sensitive documents on display to avoid indentity theft.

by: Christine Zafra

Safe Driving Institute, Inc., a well-known group whose primary aim is to make everyone aware of driving rules and regulations, posted in their website statistics that are rather disturbing:

1. About 77% of the drivers admitted that they use their mobile phones while driving
2. 60% admitted that they are oftentimes munching inside their cars while holding the steering wheel
3. Half of them said that they either do obscene acts to other drivers
4. Another half said that they almost reached dreamland while driving
5. About 53% pay unnecessary surcharges to their car insurance providers due to their existing traffic records.

If you have nodded your head even once while reading the posts above, then better change that road attitude of yours. First tip is for you to take up defense driving lessons. Yes, even if you say you’ve already been driving ever since you can remember, you might still want to take a lesson or two. Who knows? They might have developed new tactics as to how to bring your car to a full stop if you’re skidding on ice? Second is a matter of self-discipline and nobody can help yourself but you. It’s regarding your cellphone. If you’re really expecting a call, and the caller finally came through, you might want to park at the nearest curb first. There, you can talk your heart out—but NOT while driving!

Photo taken from http://www.sd36.bc.ca

by: Christine Zafra

The common problem encountered by these insurance policy holders is that of confusion — confusion if whether their insurance covers certain circumstances they are planning to partake. If for example, you’re planning on a trip to the Bahamas. That’s a good summer spot with family or friends. But what if, you and your friends hop in a car, do some joy ride and had a very minor accident. It’s not your turf so, you’re not really familiar with the turns and all. Your car had a little dent on it and hoped that your insurance company does reimburse or repair it for you.

When you called your insurance company, you found out that the only cover accidents that happened WITHIN the country. What will you do?

To tell you honestly, nothing. You might have prevented that from happening if you only checked your policy. You have to be a little attentive to the nitty gritty details of it to prevent this kind of scenario.

Photo taken from http://www.fhwa.dot.gov

Just a few quick reminders about the right way to wear your seat belt: First, the belt should be low and snug across the pelvis or lap, and never across the stomach.

The shoulder belt should be across the chest and collarbone, and be snug. It should never be in front of the face or behind the back. Remember, you still need to wear seat belts even if your car has air bags – in fact, air bags only work properly if you are belted in and they are not designed to replace seat belts.

All children under 12 should be buckled into an appropriate seat, such as a child safety seat in the back. To find out the best child safety seat for your child’s weight and age, check with your local children’s hospital. Newborns should be placed in rear-facing car seats in the back.

Wearing seat belts is a snap, saves lives daily, and saves billions of dollars. So keep in mind the link between car accidents and seat belts when you take to the roads. We’ll all be safer for it.

For more information on seat belt safety tips, statistics and use, or for more information on the Click It or Ticket campaign, please visit the NHTSA’s website

• Ask that your car be taken to a secure location where an adjuster or appraiser from your insurance company can have access to it. Some municipalities require that your vehicle be taken to a Collision Reporting Centre or police station before it goes anywhere else.

• Contact your insurance company, if possible, for information on towing and where to take your car to be repaired.

• Consider having your car towed to a preferred car repair shop. Some insurance companies use preferred repair shops where they have an agreement that guarantees your vehicle will be repaired to the highest possible standards. For more information, contact your insurance company.

Source of photo: http://www.hastingsinsurance.com/auto-insurance.jpg

To get the best rate for car insurance, take time to do research. Surf the internet for different car insurance providers that sell insurance online, and can give you quotes directly from their websites. Generally speaking, the older your car is, the lower the rates of insurance.

Many insurance providers offer bundled deals or packages that include life or medical insurance along with your car insurance. There are bigger savings if you sign up for these packages, depending on your needs and capacity. Providers will be more than happy to explain these to you, and help you choose from many options.

One of the most convenient ways of searching for insurance is through the internet. But since the internet is vast, and many insurance companies are online nowadays, it’s difficult to choose which company to pick.

What you should do is make a shortlist of all the companies you feel are best suited to your insurance needs. Then make more detailed inquiries through the telephone and look at customer feedback. You should also compare their premiums and other rates. If you already have a particular model in mind, then you can also make more specific comparisons in terms of the rates they offer.

Remember to do your research well and don;t make any shortcuts or quit in-between. We’re talking about your car insurance here, and it pays to be meticulous so that you get the best value for you money.

Several cases of insurance firms using credit ratings for computing the insurance rates for automobile insurance have been found guilty of discrimination in their processing of applications. As with any US law, all are equally entitled to the same product anywhere any day so any sort of pre-inclination to deny anyone coverage for an auto insurance because of race, skin color, ethnicity and credit ratings at the set levels is illegal. Of the several that were found violating the law, they were denied applications for rates increases that should have allowed them to operate at par with the rest of the pack.
Denial means they have to retain their prices as payment for their misbehavior, and will be attended to when they have mended their ways. Insurance rates are determined by lawmakers and may vary from state to state depending on several factors such as congestion, volume and many more. These are verified and checked by lawmakers for their accuracy and justness which is aimed to allow each and every American to gain access to the same product whoever they may be.

画像提供：waynecounty.com

自動車保険には自動車盗難の項目があります。 この保険は車両の喪失に対して適用されます。 また、この総合保険は車両の喪失やエアバッグなどの車の一部にも適用されます。 この保険は義務的なもので、火災や器物破損、洪水や地震などの天災の被害も補償します。 盗難時の総合保険における保険料は、保険のかかった車両が盗難や損傷の被害を受ける可能性による影響を受けます。 窃盗の標的となる車両の価値や損傷を受けた車両の価値、車体修理費、盗まれた部品の取り換えを含む賠償請求は増加の傾向にあり、道路を走っている新車の高価格も保険料に影響しています。