2022
Got A DUI? 3 Common Effects On Your Auto Insurance
A DUI conviction comes with a range of consequences depending on many different factors. But regardless of the legal or financial consequences in your state, you’ll also deal with insurance consequences. What are these? And how can you meet these challenges successfully? Here’s what you need to know. 1. Higher Insurance Rates One of the most common changes with a DUI on your record is a rise in how much you pay each month.
Are You Properly Insured If Someone Else Drives Your Vehicle?
Your auto insurance covers accidents while you’re behind the wheel, but what about when others are driving? How does car and truck insurance work if someone else uses your vehicle — with or without permission? Here’s what every owner needs to know. What Happens If Your Friend Borrows the Car? The most common scenario for someone else to drive your car is when you loan it to a friend or family member.
Car Insurance and Medical Conditions
One of the terrible mistakes that many insurance holders make is non-disclosure. Many insured drivers withhold information about their medical conditions from their car insurance agents. You must inform the driver and vehicle licensing agency (DVLA) and your insurance provider about any new or existing medical condition. Here is a general overview of the relationship between your medical condition and car insurance. What Are the Notifiable Medical Conditions? The medical conditions that you need to inform the DVLA and your car insurance agent about are called notifiable medical conditions.
An Insurance Broker Can Help You Avoid Making Mistakes When Purchasing Insurance
Buying insurance is very difficult, especially if you have never purchased a specific type of insurance. You might not know where to begin. However, if you hire an auto insurance broker, you may be able to more easily decide which option to pick because the broker will explain each insurance policy to you thoroughly. Captive Vs. Independent Insurance Brokers Captive insurance brokers only work for a single insurance provider, but an independent insurance broker works with several insurance providers.
Does Your Home Have An Attractive Nuisance? How It Affects Insurance
Do you have an attractive nuisance on your property? What is an attractive nuisance? And what should you do about one before buying a homeowners insurance policy? Here’s what you need to know. What Is an Attractive Nuisance? While your cute children might sometimes be attractive nuisances, they’re not what this term means in an insurance context. For insurance (and legal) purposes, attractive nuisances are hazardous household or outdoor items that tend to attract children and can potentially harm them.
Should You Reduce Your Auto Insurance Liability Coverage?
When it comes to car insurance, there are two ways to save money: switch providers or reduce your coverage. Reducing your coverage can have an immediate impact on your premiums, but lower coverage can leave you less protected in an accident or another catastrophic event. Insurance policies also include many different coverage types, so knowing which ones to alter can be challenging. Liability is often the top-line coverage number, and it’s the one that most states require you to carry.
Understanding Sr22 Insurance And Options
Drivers who have to get SR22 insurance are usually court-ordered to obtain it due to driving incidents that they have been involved in. Some individuals may find these orders difficult to understand. It is not uncommon for situations such as not having a vehicle to seem like an excuse not to get the insurance. There are a variety of questions that might arise about this type of insurance. Each state has its own statutes regarding the requirements.
Essential Things To Know About Hiring A Public Insurance Claims Adjuster
If your home has been seriously damaged because of a storm, or if you are otherwise planning on filing a claim with your insurance company, then you might just assume that the insurance company’s claims adjuster will help you with everything. After all, you might have filed insurance claims in the past without having to hire anyone yourself. If you’ve heard of public insurance claims adjusters and are thinking about hiring one, these are some of the essential things that you’re going to want to know.