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Thursday, July 17, 2008
Tech alert: Cars to trap thieves
In some US cities, police have turned the thieves’ greed and nifty new technology around on them, letting the car catch the crook.
With one vehicle stolen every 26 seconds, using decoys to nab the bad guys is nothing new in police work, but in Arlington County just outside of Washington, the police don’t have to wait by the bait to nail their target.
When the unsuspecting thief forces open the door of an attractive car left in place by law enforcement, a hidden camera begins to film him. At the same time an alarm goes off in the police headquarters, and a GPS device automatically begins tracking him in the car. Once a police team is in pace to make the arrest, they simply send an electronic command to the car to stop, locking its doors at the same time so the thief can’t get out. He can’t do anything but wait inside for the police to arrive.
The system has been remarkably successful. Since 2002, when Arlington police began setting out decoy cars in areas known for car theft or other crime, the number of cars stolen each year has been cut by more than half, from 676 to just 302 last year.
The Arlington police have brought in 92 crooks, out of 94 attempted thefts of decoy vehicles, said John Lisle, spokesman for the county police — and they have a 100% conviction rate. With the video of the theft as evidence against them, the thieves have little to defend themselves with in court. "We use vehicles that are probably attractive to car thieves," Lisle explained. "We put the vehicles in locations where there is a higher probability of them being taken, a neighborhood where there have been issues with car thefts." The decoy program clearly works: the 302 cars stolen county-wide last year was the fewest since 1961. The police mostly use as bait Honda Civics and Accords and Toyota Camry.
With one vehicle stolen every 26 seconds, using decoys to nab the bad guys is nothing new in police work, but in Arlington County just outside of Washington, the police don’t have to wait by the bait to nail their target.
When the unsuspecting thief forces open the door of an attractive car left in place by law enforcement, a hidden camera begins to film him. At the same time an alarm goes off in the police headquarters, and a GPS device automatically begins tracking him in the car. Once a police team is in pace to make the arrest, they simply send an electronic command to the car to stop, locking its doors at the same time so the thief can’t get out. He can’t do anything but wait inside for the police to arrive.
The system has been remarkably successful. Since 2002, when Arlington police began setting out decoy cars in areas known for car theft or other crime, the number of cars stolen each year has been cut by more than half, from 676 to just 302 last year.
The Arlington police have brought in 92 crooks, out of 94 attempted thefts of decoy vehicles, said John Lisle, spokesman for the county police — and they have a 100% conviction rate. With the video of the theft as evidence against them, the thieves have little to defend themselves with in court. "We use vehicles that are probably attractive to car thieves," Lisle explained. "We put the vehicles in locations where there is a higher probability of them being taken, a neighborhood where there have been issues with car thefts." The decoy program clearly works: the 302 cars stolen county-wide last year was the fewest since 1961. The police mostly use as bait Honda Civics and Accords and Toyota Camry.
Tuesday, July 15, 2008
Connecticut SR-22 Car Insurance - How to Find SR-22 Auto Insurance in Connecticut
This article will show you how to find SR-22 auto insurance in Connecticut, first by explaining exactly what it is, and then by giving a few options to obtaining it. More often than not, citizens aren't aware of this DMV required certificate until they open the letter that mandates that they acquire an SR22. Whether you're in CT or not, understanding the SR22 auto insurance requirements and how to find it can be helpful.
What Is SR22 Insurance?
SR-22 insurance, otherwise referred to as a certificate of financial responsibility, is required by the DMV to prove that you have insurance on your vehicle/vehicles. This may be required for a number of reasons, such as a DUI, a large number of tickets or accidents in a short time frame, or even if a death is involved in an accident that you caused.
The SR-22 for Connecticut can be obtained simply by contacting your current insurance provider and having them submit it for you to the DMV. Typically there will be a small filing fee associated with it. The SR-22 usually is required for a three year timeframe, but will vary depending on the severity of the occurrence.
How To Find SR22 Auto Insurance In CT
The easiest way to obtain this certificate of financial responsibility is just to contact your current auto insurance provider to have them file this for you. It is typically a quick process, as well as the honest way to get this done. As the SR-22 is typically required for a three year period, your insurance company will most likely find out about the occurrence that required this certificate.
There are other services out there that claim they will file this "discreetly" and without your insurance company knowing. However, these policies don't include actual auto insurance, they just file the SR-22 for you. Worst case scenario, the DMV figures out that the company filing your SR-22 doesn't match your auto insurance company on file, complete with additional fines.
What Is SR22 Insurance?
SR-22 insurance, otherwise referred to as a certificate of financial responsibility, is required by the DMV to prove that you have insurance on your vehicle/vehicles. This may be required for a number of reasons, such as a DUI, a large number of tickets or accidents in a short time frame, or even if a death is involved in an accident that you caused.
The SR-22 for Connecticut can be obtained simply by contacting your current insurance provider and having them submit it for you to the DMV. Typically there will be a small filing fee associated with it. The SR-22 usually is required for a three year timeframe, but will vary depending on the severity of the occurrence.
How To Find SR22 Auto Insurance In CT
The easiest way to obtain this certificate of financial responsibility is just to contact your current auto insurance provider to have them file this for you. It is typically a quick process, as well as the honest way to get this done. As the SR-22 is typically required for a three year period, your insurance company will most likely find out about the occurrence that required this certificate.
There are other services out there that claim they will file this "discreetly" and without your insurance company knowing. However, these policies don't include actual auto insurance, they just file the SR-22 for you. Worst case scenario, the DMV figures out that the company filing your SR-22 doesn't match your auto insurance company on file, complete with additional fines.
How to Find High Risk Oregon Car Insurance For Cheap
If you are an Oregon resident and have been deemed as "a danger on the road", don't despair; this article will walk you through how to find high risk Oregon car insurance for cheap. First we'll walk through what characterizes a high risk driver, and then give you a few tips to bring down your insurance premium. Finding cheap car insurance, whether you're in OR, are considered high risk or not often involves the same steps.
What Is A High Risk Driver?
To break it down into simple terms, a high risk driver simply means that the insurance companies statistically can prove that you have a higher risk to be involved in an accident, not pay your bill, or get a ticket.
If you have one or more of the following factors, most likely you have found the unfortunate spot of a high risk driver: low credit score, 3+ moving violations in a 3 year period, 2+ at-fault accidents in a 3 year period, license suspension, DUI, SR-22 request, lapse of insurance due to non-payment or non-renewal, and young drivers between the ages of 16-25.
Finding Cheap High Risk Oregon Auto Insurance Rates
To ensure that you can find cheap high risk Oregon auto insurance, just utilize the advice that anyone can use to lower your premium. (And, of course, drive safely).
1. Know your discounts. There are available discounts that revolve around other things than safe driving. If you are a young driver, maintain a GPA of 3.0 or better and receive a substantial discount. If you have multiple vehicles, combine them onto one policy for a discount. Insure your auto and homeowners with the same company for a discount on both policies.
2. Sell your 2008 BMW and buy a 1995 Toyota Corolla. The more expensive your vehicle is to replace, the more expensive it is to insure. Also, with an older vehicle you can stick with the liability coverage, whereas a newer vehicle will require comprehensive and collision.
3. Compare leading auto insurers to local insurers. This is the most important aspect to finding cheap high risk car insurance. Certain insurance companies may specialize in high risk drivers and be able to offer a better rate than some of the main auto insurance companies.
Don't Delay - Find The Cheapest High Risk Oregon Car Insurance Today!
Although finding cheap high risk Oregon car insurance isn't the easiest task, make it simple for yourself by beginning immediately and comparing rates online.
What Is A High Risk Driver?
To break it down into simple terms, a high risk driver simply means that the insurance companies statistically can prove that you have a higher risk to be involved in an accident, not pay your bill, or get a ticket.
If you have one or more of the following factors, most likely you have found the unfortunate spot of a high risk driver: low credit score, 3+ moving violations in a 3 year period, 2+ at-fault accidents in a 3 year period, license suspension, DUI, SR-22 request, lapse of insurance due to non-payment or non-renewal, and young drivers between the ages of 16-25.
Finding Cheap High Risk Oregon Auto Insurance Rates
To ensure that you can find cheap high risk Oregon auto insurance, just utilize the advice that anyone can use to lower your premium. (And, of course, drive safely).
1. Know your discounts. There are available discounts that revolve around other things than safe driving. If you are a young driver, maintain a GPA of 3.0 or better and receive a substantial discount. If you have multiple vehicles, combine them onto one policy for a discount. Insure your auto and homeowners with the same company for a discount on both policies.
2. Sell your 2008 BMW and buy a 1995 Toyota Corolla. The more expensive your vehicle is to replace, the more expensive it is to insure. Also, with an older vehicle you can stick with the liability coverage, whereas a newer vehicle will require comprehensive and collision.
3. Compare leading auto insurers to local insurers. This is the most important aspect to finding cheap high risk car insurance. Certain insurance companies may specialize in high risk drivers and be able to offer a better rate than some of the main auto insurance companies.
Don't Delay - Find The Cheapest High Risk Oregon Car Insurance Today!
Although finding cheap high risk Oregon car insurance isn't the easiest task, make it simple for yourself by beginning immediately and comparing rates online.
Pennsylvania Car Insurance Shopper's Guide - PA Auto Insurance Basics
How does one find the best Pennsylvania car insurance? What are some of the cheapest auto insurance companies in Pennsylvania? What are the PA minimum auto insurance coverage requirements? What are some things to look for when comparing Pennsylvania car insurance rates? How does one find Pennsylvania rental car insurance - and should it even be purchased in the first place? These are all key questions for PA residents that are of legal driving age. Read on to learn some of the PA auto insurance basics and see if maybe you can end up saving yourself some money in the process!
Pennsylvania No Fault Auto Insurance Laws
The state of Pennsylvania uses a no-fault system in regards to car accidents. This means that your insurance company will pay your injury claim regardless of who was at fault in the event of an accident. Since no-fault laws vary from state to state and can change over the years, you might want to call or visit the website of the Pennsylvania Department of Insurance if you have any questions.
PA Car Insurance Minimum Coverage Requirements
Under Pennsylvania law, you are required to have bodily injury coverage in a minimum amount of $15,000 per person, up to $30,000 per accident. Bodily injury insurance will cover such things as medical expenses, lost wages, pain and suffering, and any legal defense costs you may incur as a result of an accident.
Pennsylvania also requires that you carry a minimum of $5,000 worth of property damage liability car insurance. Property damage coverage will pay for damage to another person's property such as a fence, house, or car, as well as any legal costs that may arise from that damage.
Personal injury protection, or PIP, is required by Pennsylvania state law as well. There are different levels of personal injury coverage available, but the minimum amount required is $5,000. Pennsylvania calls the minimum amount required First Party Benefits-Medical. If you are in an accident, this coverage will pay for related medical and surgical expenses, rehabilitative services, such as physical therapy, any necessary dental, psychiatric, and optometric expenses, ambulance and nursing services, and required medications, medical supplies and prosthetic devices. The policy will only provide benefits to you, any other drivers listed on the policy, and any relatives living in the same home as you.
PA Tort Laws
In Pennsylvania, you must choose a tort option. A tort option defines your right to compensation if you, or any members of your household, are injured by another driver in a car accident.
The limited right to recover damages, or limited tort, provides limited benefits. While you will be covered for all medical and other expenses as a result of an accident, you will not be able to receive compensation for pain and suffering, or other non-monetary damages unless your injuries are serious, such as a life long disability or death. If you choose the limited tort option, your premiums for property damage, full first party benefits, and income loss coverage will be lower than if you choose the full tort option.
If you opt for the full tort coverage, your rights to recover financial compensation are not restricted. Under full tort, not only will you and other members of your family be able to recover damages for medical and other expenses, but you can seek full financial compensation for pain and suffering, and other damages for injuries you received that were caused by another driver in an accident. If you choose the limited tort option, your premiums for property damage, full first party benefits, and income loss coverage will not be reduced.
Optional PA Auto Insurance Coverage
Optional liability coverage in Pennsylvania includes first party extraordinary medical coverage. This type of coverage may give you and any members of your family medical benefit coverage in an amount up to $1,000,000. If you choose this coverage, it will take effect once the limit for your medical expenses has been reached under your personal injury protection insurance.
First party income loss coverage will pay you up to 80 percent of your lost earnings if you are unable to work after being injured in an accident. This coverage is limited to $2,500 per month with a cap of $50,000.
You may also personal the optional first party accidental death car insurance coverage. This type of coverage will provide a death benefit of up to $25,000 if you or a member of your family living in your home dies from injuries sustained in an accident for a period of 2 years after the accident occurred. The $25,000 will only be paid to the designated beneficiary that you will name at the time you purchase this coverage.
First party funeral coverage is another car insurance coverage option you can choose in the state of Pennsylvania. This policy will pay $2,500 toward any funeral expenses if you or a member of your family living in the same household dies as a result of a car accident.
While not required under Pennsylvania law, you may want to also purchase uninsured/underinsured motorist (UM/UIM) bodily injury coverage. This will pay for any expenses such as medical, lost wages, injuries sustained in a hit-and-run, and other general damages in the event you are injured by another driver who is either underinsured or uninsured.
You can also purchase the optional uninsured motorist bodily injury car stacking policy. This option will let you increase the limits for uninsured motorist bodily injury coverage. This coverage will, however, increase your car insurance premium.
In addition to all the liability insurance options available in Pennsylvania, you may want to purchase some type of vehicle coverage such as collision, comprehensive, emergency road service, rental car limits, loan/lease gap coverage, and customized equipment policies.
Collision coverage will pay for repair or replacement cost of your car if it has struck another car, object, or has rolled over. Collision coverage cannot be purchased without purchasing comprehensive coverage as well.
Comprehensive coverage will pay for damage from such things as falling objects, fire, certain natural disasters, vandalism, theft, glass damage, and damage caused if you hit an animal.
If you have a loan on your car, or lease your car, the bank or other financial institution may require you to have both collision and comprehensive coverage on your car.
Customized equipment coverage will pay for any special equipment permanently installed on your car, truck, or van such as running boards, brush bars, roll bars, fog lights, bed liners, etc. You can only purchase customized equipment coverage if you have both comprehensive and collision coverage as well.
The optional loan/lease gap insurance available in Pennsylvania will cover the actual cash value of you car at the time of loss, and any greater amount owed at the time of the loss, if your car gets damaged in an accident. This does not include any deductible, unpaid finance charges, excess mileage, or wear and tear charges, and any payment under this type of coverage will not exceed 25 percent of the actual cash value of your car at the time of the loss.
Pennsylvania High Risk Car Insurance
The state of Pennsylvania also has an Assigned Risk Plan. This program offers high risk Pennsylvania car insurance to drivers who are not able to get certain types of coverage. You may need to use this plan because of your driving record, type of car you own, or if you have an unavailable motor vehicle record.
Pennsylvania No Fault Auto Insurance Laws
The state of Pennsylvania uses a no-fault system in regards to car accidents. This means that your insurance company will pay your injury claim regardless of who was at fault in the event of an accident. Since no-fault laws vary from state to state and can change over the years, you might want to call or visit the website of the Pennsylvania Department of Insurance if you have any questions.
PA Car Insurance Minimum Coverage Requirements
Under Pennsylvania law, you are required to have bodily injury coverage in a minimum amount of $15,000 per person, up to $30,000 per accident. Bodily injury insurance will cover such things as medical expenses, lost wages, pain and suffering, and any legal defense costs you may incur as a result of an accident.
Pennsylvania also requires that you carry a minimum of $5,000 worth of property damage liability car insurance. Property damage coverage will pay for damage to another person's property such as a fence, house, or car, as well as any legal costs that may arise from that damage.
Personal injury protection, or PIP, is required by Pennsylvania state law as well. There are different levels of personal injury coverage available, but the minimum amount required is $5,000. Pennsylvania calls the minimum amount required First Party Benefits-Medical. If you are in an accident, this coverage will pay for related medical and surgical expenses, rehabilitative services, such as physical therapy, any necessary dental, psychiatric, and optometric expenses, ambulance and nursing services, and required medications, medical supplies and prosthetic devices. The policy will only provide benefits to you, any other drivers listed on the policy, and any relatives living in the same home as you.
PA Tort Laws
In Pennsylvania, you must choose a tort option. A tort option defines your right to compensation if you, or any members of your household, are injured by another driver in a car accident.
The limited right to recover damages, or limited tort, provides limited benefits. While you will be covered for all medical and other expenses as a result of an accident, you will not be able to receive compensation for pain and suffering, or other non-monetary damages unless your injuries are serious, such as a life long disability or death. If you choose the limited tort option, your premiums for property damage, full first party benefits, and income loss coverage will be lower than if you choose the full tort option.
If you opt for the full tort coverage, your rights to recover financial compensation are not restricted. Under full tort, not only will you and other members of your family be able to recover damages for medical and other expenses, but you can seek full financial compensation for pain and suffering, and other damages for injuries you received that were caused by another driver in an accident. If you choose the limited tort option, your premiums for property damage, full first party benefits, and income loss coverage will not be reduced.
Optional PA Auto Insurance Coverage
Optional liability coverage in Pennsylvania includes first party extraordinary medical coverage. This type of coverage may give you and any members of your family medical benefit coverage in an amount up to $1,000,000. If you choose this coverage, it will take effect once the limit for your medical expenses has been reached under your personal injury protection insurance.
First party income loss coverage will pay you up to 80 percent of your lost earnings if you are unable to work after being injured in an accident. This coverage is limited to $2,500 per month with a cap of $50,000.
You may also personal the optional first party accidental death car insurance coverage. This type of coverage will provide a death benefit of up to $25,000 if you or a member of your family living in your home dies from injuries sustained in an accident for a period of 2 years after the accident occurred. The $25,000 will only be paid to the designated beneficiary that you will name at the time you purchase this coverage.
First party funeral coverage is another car insurance coverage option you can choose in the state of Pennsylvania. This policy will pay $2,500 toward any funeral expenses if you or a member of your family living in the same household dies as a result of a car accident.
While not required under Pennsylvania law, you may want to also purchase uninsured/underinsured motorist (UM/UIM) bodily injury coverage. This will pay for any expenses such as medical, lost wages, injuries sustained in a hit-and-run, and other general damages in the event you are injured by another driver who is either underinsured or uninsured.
You can also purchase the optional uninsured motorist bodily injury car stacking policy. This option will let you increase the limits for uninsured motorist bodily injury coverage. This coverage will, however, increase your car insurance premium.
In addition to all the liability insurance options available in Pennsylvania, you may want to purchase some type of vehicle coverage such as collision, comprehensive, emergency road service, rental car limits, loan/lease gap coverage, and customized equipment policies.
Collision coverage will pay for repair or replacement cost of your car if it has struck another car, object, or has rolled over. Collision coverage cannot be purchased without purchasing comprehensive coverage as well.
Comprehensive coverage will pay for damage from such things as falling objects, fire, certain natural disasters, vandalism, theft, glass damage, and damage caused if you hit an animal.
If you have a loan on your car, or lease your car, the bank or other financial institution may require you to have both collision and comprehensive coverage on your car.
Customized equipment coverage will pay for any special equipment permanently installed on your car, truck, or van such as running boards, brush bars, roll bars, fog lights, bed liners, etc. You can only purchase customized equipment coverage if you have both comprehensive and collision coverage as well.
The optional loan/lease gap insurance available in Pennsylvania will cover the actual cash value of you car at the time of loss, and any greater amount owed at the time of the loss, if your car gets damaged in an accident. This does not include any deductible, unpaid finance charges, excess mileage, or wear and tear charges, and any payment under this type of coverage will not exceed 25 percent of the actual cash value of your car at the time of the loss.
Pennsylvania High Risk Car Insurance
The state of Pennsylvania also has an Assigned Risk Plan. This program offers high risk Pennsylvania car insurance to drivers who are not able to get certain types of coverage. You may need to use this plan because of your driving record, type of car you own, or if you have an unavailable motor vehicle record.
Shopping For Car Insurance? Make Sure You Don't Compare Apples to Oranges
Shopping for affordable car insurance is time consuming even if it is well worth the efforts. For one thing, you have to request and compare multiple quotes from multiple insurers. Then you have to spend time to compare them - in other words to find out what they offer for the price. The reward is substantial savings.
The first thing you need to decide is the type of coverage that you will need. There is a one way insurance - it is the cheaper option. If you cause a car accident the insurance company covers the damages caused by you to the other driver, but doesn't cover the damages on your vehicle. This is an option to go with if you possess an older vehicle.
The other option is so called full coverage. If you cause a car accident your insurance company covers both damages on your car and the other driver's vehicle. If you have financed your vehicle then you are required by the lending institution to have full coverage. Even if you paid cash for your brand new car, may be it is still worth it to pay a little more to have a peace of mind.
The second thing to consider is the premium. Different companies will give you different premiums for the same coverage. Make up your mind on what you want to have covered and then go with the insurer that gives you the best car insurance rate.
Before you do that you have to familiarize yourself with the different types of coverage that exist. Find out if they offer liability protection, car repair coverage and medical coverage. These are standards but you also find little differences with each company.
The first thing you should be aware of is the rate discount. All major insurance companies have different discounts listed on their websites. If you do not have the time to read them just ask your insurance agent. The most common ones are discounts for completing safety driving classes, safety features of your car, loyal customer discount or multiple car discounts. Be aware that you might be able to get up to 25% reduction of your price if you just ask for the discounts your insurance company by choice offers.
These are some of the things you need to keep in mind when comparing auto insurance quotes. You can obtain them by calling different insurance companies where you live or by doing online research at the websites of the major "A" rating insurance companies or "middleman websites" such as eSurance.com or InsureMe.com. Just remember to start shopping early enough and give yourself enough time in order to find the car insurance that best fits your needs.
The first thing you need to decide is the type of coverage that you will need. There is a one way insurance - it is the cheaper option. If you cause a car accident the insurance company covers the damages caused by you to the other driver, but doesn't cover the damages on your vehicle. This is an option to go with if you possess an older vehicle.
The other option is so called full coverage. If you cause a car accident your insurance company covers both damages on your car and the other driver's vehicle. If you have financed your vehicle then you are required by the lending institution to have full coverage. Even if you paid cash for your brand new car, may be it is still worth it to pay a little more to have a peace of mind.
The second thing to consider is the premium. Different companies will give you different premiums for the same coverage. Make up your mind on what you want to have covered and then go with the insurer that gives you the best car insurance rate.
Before you do that you have to familiarize yourself with the different types of coverage that exist. Find out if they offer liability protection, car repair coverage and medical coverage. These are standards but you also find little differences with each company.
The first thing you should be aware of is the rate discount. All major insurance companies have different discounts listed on their websites. If you do not have the time to read them just ask your insurance agent. The most common ones are discounts for completing safety driving classes, safety features of your car, loyal customer discount or multiple car discounts. Be aware that you might be able to get up to 25% reduction of your price if you just ask for the discounts your insurance company by choice offers.
These are some of the things you need to keep in mind when comparing auto insurance quotes. You can obtain them by calling different insurance companies where you live or by doing online research at the websites of the major "A" rating insurance companies or "middleman websites" such as eSurance.com or InsureMe.com. Just remember to start shopping early enough and give yourself enough time in order to find the car insurance that best fits your needs.
Montana Car Insurance Guide - Everything You Need to Know About Auto Insurance in Montana
What are the Montana car insurance minimum coverage requirements? How does one find the cheapest Montana car insurance rates? What are some of the best Montana auto insurance companies? Read on to get answers to your MT car insurance question and learn how to find the best Montana auto insurance policy for your specific needs.
The Penalty For Not Having Montana Car Insurance
Do you know what it means not to have car insurance in Montana? For Montana drivers it may mean a misdemeanor charge that includes a fine of up to $500 and 5 points added to your license (30 points on your driver's license in Montana leads to automatic revocation of your driver's license). As an added bonus a free 10 day vacation in the county jail.
Plus, if you didn't learn the first time, the state of Montana will either charge you another fine, higher than the first time, or put you in jail for another 10 days. In addition, you'll also have your driver's license suspended for 90 days.
Montana Tort Auto Insurance Laws
Montana is under a tort system when it comes to car accidents. This means that for you to be charged with an accident's damages, you must be proven to have been the cause of the accident. Each state under a tort system of law for car insurance operates slightly different, so the best place to go in the State of Montana to find out about the minimum state car insurance requirements is by contacting the Montana State Auditor in Helena.
The Penalty For Not Having Montana Car Insurance
Do you know what it means not to have car insurance in Montana? For Montana drivers it may mean a misdemeanor charge that includes a fine of up to $500 and 5 points added to your license (30 points on your driver's license in Montana leads to automatic revocation of your driver's license). As an added bonus a free 10 day vacation in the county jail.
Plus, if you didn't learn the first time, the state of Montana will either charge you another fine, higher than the first time, or put you in jail for another 10 days. In addition, you'll also have your driver's license suspended for 90 days.
Montana Tort Auto Insurance Laws
Montana is under a tort system when it comes to car accidents. This means that for you to be charged with an accident's damages, you must be proven to have been the cause of the accident. Each state under a tort system of law for car insurance operates slightly different, so the best place to go in the State of Montana to find out about the minimum state car insurance requirements is by contacting the Montana State Auditor in Helena.
The Basics in Car Accident Insurance
Being involved in a car accident is a traumatic experience. Aside from the physical injury that you have to endure, there are various expenses to be paid.
But why worry; there is a car accident insurance company that will handle it.
Do I need car insurance?
Certainly, you need car insurance.
Driving without car insurance is illegal. But, there is more to this. Having car insurance will protect you financially from any future liability. Car insurance is considered as one of the most expensive aspects of owning a car but it is also the most important.
Buying a car insurance policy is like having a contract between you and your insurance company. You promise to pay money and they promise to pay car related expenses within the period of the policy.
What are the types of car insurance policies?
There are many types of car insurance coverage available. Some are required while others are optional. Knowing the different kinds of coverage is the first thing to do so that you will know what can fully protect your interest.
The following are the different types of car insurance coverage:
* Liability Coverage - Most states require this kind of coverage. It pays to bodily injury and property damage caused to others. Bodily injury pays to other people's injuries including medical expenses, loss of wages and pain and suffering.
* Personal Injury Protection - This is one of the optional coverage. This coverage pays your medical expenses including your passengers at the time of the accident. It differs to liability coverage because it pays no matter whose at fault in the accident.
* Collision - This type pays for the damage to your car in colliding with other vehicle or object. This type of coverage is optional.
What is the extent of liability coverage?
Liability coverage pays only for bodily injury and property damage to others when you are at fault and it only pays to the extent of your dollar limits. Therefore, if your expenses are higher than your limit then you will be financially responsible for it.
However, liability coverage does not protect you from your own loses.
Factors that affects rates
Car insurance policy rates are based on many factors. The premium paid reflects factors such as, age, gender, driving record and many others. However, the common factors that are universally applicable are the following:
* Age - Statistics show that drivers below 30 years old are most likely to be involved in a car accident. Therefore, younger drivers are charged with higher rates.
* Gender - Same as age, statistics show that men drivers are involved in more accidents than the rest of the population. Therefore, they are charged more than anybody is.
* The type of car - The more expensive your car is, the higher its rate. This is because these types of vehicles are more likely to be stolen and to cause much when repaired.
* Your location - Insurance companies also consider your location. Heavily populated areas tend to have higher number of accidents.
* Driving pattern - The more you use your car, the higher the rate because there is more risk of being involved in an accident.
Buying car insurance is expensive. Therefore, it is important to compare the policies in terms of price, coverage, exclusions and the reputation of the insurance company.
However, you must bear some car accident insurance problems that might occur. With the help of a personal injury lawyer, you will be able to resolve these issues.
But why worry; there is a car accident insurance company that will handle it.
Do I need car insurance?
Certainly, you need car insurance.
Driving without car insurance is illegal. But, there is more to this. Having car insurance will protect you financially from any future liability. Car insurance is considered as one of the most expensive aspects of owning a car but it is also the most important.
Buying a car insurance policy is like having a contract between you and your insurance company. You promise to pay money and they promise to pay car related expenses within the period of the policy.
What are the types of car insurance policies?
There are many types of car insurance coverage available. Some are required while others are optional. Knowing the different kinds of coverage is the first thing to do so that you will know what can fully protect your interest.
The following are the different types of car insurance coverage:
* Liability Coverage - Most states require this kind of coverage. It pays to bodily injury and property damage caused to others. Bodily injury pays to other people's injuries including medical expenses, loss of wages and pain and suffering.
* Personal Injury Protection - This is one of the optional coverage. This coverage pays your medical expenses including your passengers at the time of the accident. It differs to liability coverage because it pays no matter whose at fault in the accident.
* Collision - This type pays for the damage to your car in colliding with other vehicle or object. This type of coverage is optional.
What is the extent of liability coverage?
Liability coverage pays only for bodily injury and property damage to others when you are at fault and it only pays to the extent of your dollar limits. Therefore, if your expenses are higher than your limit then you will be financially responsible for it.
However, liability coverage does not protect you from your own loses.
Factors that affects rates
Car insurance policy rates are based on many factors. The premium paid reflects factors such as, age, gender, driving record and many others. However, the common factors that are universally applicable are the following:
* Age - Statistics show that drivers below 30 years old are most likely to be involved in a car accident. Therefore, younger drivers are charged with higher rates.
* Gender - Same as age, statistics show that men drivers are involved in more accidents than the rest of the population. Therefore, they are charged more than anybody is.
* The type of car - The more expensive your car is, the higher its rate. This is because these types of vehicles are more likely to be stolen and to cause much when repaired.
* Your location - Insurance companies also consider your location. Heavily populated areas tend to have higher number of accidents.
* Driving pattern - The more you use your car, the higher the rate because there is more risk of being involved in an accident.
Buying car insurance is expensive. Therefore, it is important to compare the policies in terms of price, coverage, exclusions and the reputation of the insurance company.
However, you must bear some car accident insurance problems that might occur. With the help of a personal injury lawyer, you will be able to resolve these issues.
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