California Full Coverage Auto Insurance In California many drivers on the road are under the impression that they have a full coverage insurance policy. This is not the case. There is no such thing as full coverage. All insurance policies that are sold in the state will have limits of coverage on them. When involved in an accident the insurance company will only pay up to the limits that were on the policy at the time of the loss. The...more
Auto Insurance Roadside Assistance Many auto insurance policies have the option of carrying roadside assistance coverage. Roadside assistance protection is designed to assist client immediately when they are in need of a tow truck, jump start, lockout service, or tire change. Many times the customer will have a dispatch telephone number that they can call that is available 24 hours per day. The dispatcher will then call the nearest company...more
Auto Actual Cash Value Coverage Whenever comprehensive and collision coverage is selected on a policy the vehicle is covered up to the actual cash value unless otherwise stated. Some policies are written as stated value such as commercial auto policy that have vehicles that are significantly altered from their original condition or classic car policies that insure the classic vehicles to their appraised value. Almost all personal auto policies are written on an actual cash value basis for the vehicle.This means that in the event of a total loss or theft with no vehicle recovery that the vehicle is covered to the current fair market value. There are many factors that determine what the fair market or actual cash value is at the time of the loss. Vehicle values will vary from year, make, model, mileage, and condition. In order to determine the value of the insured vehicle appropriately all of these need to be reviewed in order to ensure that the appropriate value is being given for the totaled vehicle.This system is designed to make sure that the insured is compensated for what the true value of their vehicle was at the time of the loss without putting them into a position...more
Consumers Should Shop Auto Insurance Rates before Buying a Car Some vehicles can cost fifty percent more to insure. Rates can vary by year, make, model, and sub model. It will always be in a consumer's best interest to shop their auto insurance rates prior to purchasing a new vehicle. Prices are generally higher on two door models...more
Will Traffic School Keep Auto Insurance Rates Down? Take the traffic school. One additional ticket on a driving record can make a significant increase in rates. In California, drivers are only generally offered the option to take traffic school for one moving violation within an eighteen month period.If the driver has already have one...more
How Much Auto Insurance Coverage Should Drivers Carry? For auto insurance, policy holders are only covered up to the financial limits that they purchase. Traditionally, clients are advised to review their assets when choosing coverage limits. If a driver is involved in an accident, they are only covered to the amount listed on the policy. They will, therefore, be personally liable for any damages exceeding this amount.For example, if a policy lists a limit amount of $15,000 per person, for bodily injury, and a driver is involved in an at fault accident with damages in the amount of $25,000 the personal liability would be the difference. The amount that they would have to pay for damages out of their pocket would be $10,000. In this situation, if the coverage limits on the policy where at $25,000 the insurance company would pay all of the damages for the consumer.Although it is recommended to carry higher limits of protection on auto insurance policies, the higher limits of coverage will come with an added premium. It is understandable that the insurance company will charge a higher premium based upon the amount of exposure that they have.With the economy at a low point, many...more
Information On Insurance Related To Workers Compensation In Anderson, South Carolina Workers compensation is a form of insurance that provides medical assistance to an injured employee in exchange for the right to sue the employer for...more
Types of Cruise Ship Injuries Cruise ships offer multiple opportunities for injury, but unlike injuries sustained on land, filing a personal injury claim against a cruise line is a complicated and difficult process. An injury attorney with...more
Different types of auto insurance include rental, liability, emergency tow, collision, dismemberment, comprehensive, accidental death, uninsured, under insured, etc.The use of Auto Insurance Leads makes it easier for insurers to promote their...more
Common Offshore Drilling Rig Injuries With more information coming out every day about the BP oil rig disaster, Americans are finding an increased interested in the dangers associated with offshore drilling rigs. Not only do offshore drilling...more
Information to Know When Auto Leasing An option for a person who needs a car and does not want to spend much in a car payment is car leasing. Agreements in leasing can be confusing, this is why it is vital to do your research before signing a...more
The forestry trucks, mainly, are used for the collection of fruits from the tall trees. The forestry tucks are also used for cutting, and also pruning the tall trees. These trucks can lift you at a height where most ladders wont. These trucks have...more