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Things To Think About Before Signing An Auto Insurance Policy According To The DMV

Before signing any legally binding document, it is advisable to read and reread the documents before applying your signature. This is because once you apply your signature, you are legally bound to fulfill the terms of the agreement shown in the document. This same principle should be applied when signing up for auto insurance cover. Never assume that the policy to which you have agreed to with your insurance agent or broker is the one you are signing up for. You may be surprised to find that the policy is different or does not exist in its entirety. Word of advice from the DMV is not to rush when it comes to such sensitive matters. Ask as many questions as you can so that you can properly understand every phrase that may seem strange to you. While doing this take, your time to read through every clause and ask your agent to explain in layman’s terms any auto insurance jargon that may evade your understanding.

Here are a few things that should raise the red flag whenever you are signing up for auto insurance according to the DMV. Among the major loopholes in any legal document is an empty space. If there is any in your contract documents have the agent or broker draw a line to cancel it. However, make sure that no additional information is required to be filled in the blank space. If the auto insurance contract forbids you from raising a law suit against the insurance firm, do not sign it. This is because you will lose the privilege of taking your insurer to court if there is any breach in the services that they are supposed to provide to you.

Loosing this particular hand to the insurance company will make them breach the contract agreement in any way they may please and you will just have to sit back and watch them do it since you cannot take them to court. Another major thing to consider is if your insurance cover meets your states auto insurance requirements and regulations. Always make sure you are familiar with your state’s minimum liability rates before signing the insurance contract. Each auto insurance policy comes with added services or benefits. Before signing the contract, make sure that these are listed in the contract and in detail. Just mentioning it in the contract is not enough.

While in the same breath, make sure that you confirm your auto insurance deductibles. You have control over the rate of your deductibles so make sure that you are the one declaring them in the contract and not the insurance company. Lastly, make sure that all your vehicle registration information is correct including the VIN (Vehicle Identification Number). You would not want to sign the document only to find that you are paying auto insurance for a different vehicle and not your own.

All in all, take time to research on your insurer before signing or thinking of signing up with them. To do so, enter your Zip at the start of this page and we can show you more about your auto insurer and others.

Auto Insurance Laws: Suspension and Financial Responsibility

Auto Insurance Laws all over the United States have been collaborating with the DMV in a mission to reduce uninsured vehicles on the roads. The DMV has been able to institute minimum insurance liability programs all over the states to ensure that all drivers are insured. The minimum insurance liability requirements are different in every state but are required as proof of financial responsibility in the event of an accident. Nowadays, most insurance companies are able to share real time auto insurance information with the DMV on any one person. With this information, the DMV is able to randomly cross check any vehicle on the road for insurance coverage or driver’s license status of any driver. Law enforcement officers and court personnel have been granted this task by the DMV since it is already entrenched in Auto Insurance Laws in America. These persons have direct access to this shared data by the DMV and insurance companies whenever they are in the field doing their jobs. The Auto Insurance Laws were revised in 2006 to provide for this measure. Some states passed the law later but since ten all have come on board.

Whenever you are pulled over by a police officer you are required to show your proof of financial responsibility to prove that all occupants of the vehicle and any potential property outside are covered in the event of an accident. Proof of financial responsibility is basically your auto insurance cover which can either be minimum liability or any other cover that is above that. Minimum liability is different in every state but is there to cover any physical injury or damage to property in the event of an accident. However, minimum liability cover does not cover the driver of the vehicle if he or she is at fault in the accident.

In the event that your insurance policy is canceled or expires, you have 45 days at most to renew or replace your policy. The length of time you have to do this also varies from state to state. At the expiry of said time without any action from the vehicle owner, the DMV will issue a vehicle suspension notice. On reception of the notice, the vehicle owner has up to 30 days to present the vehicles insurance information alongside a small fine that is also determined by the DMV. If you fail to do this, you will be indicted by the DMV. If you were at fault in an accident, the DMV will require you to personally settle the bill for the damages incurred in the accident. During this time, your car may also be impounded by the DMV pending the settlement of the case.

Whenever the DMV requires that you produce proof of financial responsibility, it is within your best interests to present all documents that pertain to your current auto insurance cover. If for whatever reason your driver’s license was suspended and you had to take up an SR-22 cover, present it to the police officer who has pulled you over for inspection.

There is numerous information on dealing with a suspended car insurance cover that each driver should know. For those who do not or need to know more, enter your Zip code at the top of this page.

DUI Violations From A DMV: Know Your Rights

Doing an auto insurance comparison is the best way to get the lowest price possible on your premium. If you have a driver’s record that has a conviction such as a DUI or DWI from the DMV, then finding low cost insurance is going to take much more research and effort on your part. When you are pulled over for probable drinking and driving, you do have certain rights. Sometimes exercising them is a good idea, sometimes they are not. Knowing what things you may want to decline and what the consequence of doing so may mean the difference between a prosecution’s case that is hard to defend yourself against, or one that will get thrown out right away.

When you are first pulled over for a violation, if there the officer suspects that alcohol may be involved, they need something called probable cause to test you any further for alcohol consumption. Probable cause is a very subjective thing sometimes, and unfortunately, the authorities are given some liberties here. If you are driving erratic, ten miles or under, or have shown bad decision making in your driving, they may have cause to proceed further.

The next test that they can require is a breath test, or a field sobriety test. Both of these tests are tricky. You have no obligation to take either of them, but the question then remains are there advantages, or disadvantages to taking them or refusing to take them. Obviously, if you have not had anything to drink, then you should move further with their request. If you have nothing to fear, then allow them to rule out any influence of alcohol. If you have had any alcohol at all, this is a test that you may want to consider refusing. If you go ahead with the test, you will most likely be subjected to further testing. The test results are all based on the opinion of the officer. He or she is the ultimate judge of whether there should be further testing. In most cases, if there is suspicion, you will not pass.

If you were not pulled over because you were driving erratically, driving more than 10 miles under the speed limit, or have admitted to drinking at all prior to the event, then they really have no reason to proceed with the testing. If you were pulled over for any of those reasons, however, you will probably be subjected to further testing. Declining a test if there has been no probably cause is a good idea; it can stop any further testing from being done without consequence. If the officer has already sighted you for probable cause, or you admitted drinking prior to the accident, you will be subjected to further testing especially if you look like you have been lying.

Therefore, the question of whether you should decline or not depends on the circumstances leading to the request. Knowing your rights and when to exercise them can save you from further ordeal all together. If you are arrested and convicted, however, making sure that you are insured is imperative to avoid further criminal issues. There are some carriers that will deny coverage or make it very costly.

If you are having a hard time finding insurance after a conviction, input your zip code at the top of this page and see what is available in your area. You may find with the free rate quote supplied that insurance is not only available, but affordable as well. Doing an auto insurance comparison may be the only way to insure yourself if you have been convicted of a DUI or DWI under the DMV.

HowToo Much Drinking Can Affect Auto Insurance Laws

Drinking and driving is a very serious offense no matter what state you reside. If you have been convicted of a DUI or DWI, your auto insurance has most likely tripled. In most states, however, auto insurance laws mandate that you still have the minimal coverage required by the state to operate a motor vehicle. Don’t let your coverage lapse because it is too costly and find yourself breaking another law. That will guarantee that you will never be able to retain your license.

Most of us have this sense that we are in control when sometimes we are not. We enjoy drinking specifically because it makes the pressure of our day to day life seems less. It allows us to not worry so much, to let things go. Worrying about getting caught drinking and driving is one that flies out the window when we have had too much of drinking. Knowing when’s enough to impair our driving is something everyone should understand before getting behind the wheel of a motor vehicle.

In most states, the legal limit for being legally impaired is either .08 to .10. That may seem is a lot to consume, but for most of us, that equals about 2 drinks, much less than one would consider themselves as having too much to drink. The phrase drunk driving, it is a misnomer; drunk gives us a vision of someone who is falling over, slurring their words and staggering. There are many people who seem to be completely in control even when drunk. There are some people who can function completely normal not knowing that their faculties are impaired until they have to make a split reaction at the spur of the moment.

There is only one way to really know if you are impaired when driving and that is by doing a blood alcohol test. Since most of us don’t have the capabilities to do that, therefore, it is best to not drink at all when you intend to drive. It may seem like overkill to completely not drink at all but in reality that is the only way to insure that you have not had over the legal limit. Each person has a different metabolism rate for alcohol. The effects of 4 drinks on one individual may be the same as one on another. The cost of a DUI or DWI is not worth taking the risk of stepping behind the car wheel. Making sure to have a designated driver is a good idea for any night out.

If you do decide to drink, there is no shame in asking for a ride home or taking a taxi. The only shame comes when you decide to drive a car and take the risk of losing your livelihood at best and your life at worst. If you have been convicted of drinking and driving, you still need to be covered, no matter the cost. Don’t wait another day to get your free rate quote and see how you’re exiting policy measures up against others. Simply input your zip code at the top of this page to start potentially saving hundreds per year on your auto insurance premium. The auto insurance laws are very clear about what you have to have when operating a vehicle, following them and staying complaint is mandatory.

How To Get Cheap Car Insurance Even With DWI Or DUI History

If you have been convicted of a DWI, you are no doubt worried about the consequences not only criminally but what it will do for your ability to get cheap car insurance ever again. Being convicted of a DWI or a DUI can be devastating for many reasons. It can really be devastating on your finances. Between hiring a lawyer, paying the fees and the increase in your insurance premium, it can really be a very costly mistake. Is there a way to lessen the charges once charges are brought against you to receive a lower sentence and one that will lower consequences on you overall?

A DWI and a DUI in some states are all a matter of the terminology. Some states use the term DWI which stands for “driving while intoxicated” while others use the term DUI which means “driving under the influence”. There are some states, however, that use both terms as a means of describing the level of intoxication. For some states a DWI is considered a greater offense than a DUI. There are some states which also use the two terms to define whether the impairment was caused by alcohol which is termed by DWI and ones that were caused by illegal drugs, which is DUI. If you are in one of those states, getting your charges lesson to a DUI can be helpful for your overall outcome.

In states where there is a differential between a DWI and a DUI, getting the charge lessened if possible will reflect on your record and sentencing. There are some provisions that need to be met for the lessening of charges. First and foremost, it needs to be your first offense. If you have more than one conviction on your record, the potential to have the charges lowered is not possible.

Another provision that needs to be met is your blood alcohol level; it cannot be in excess. Most states have a blood limit alcohol level of .08 to .10. If you are over that range, the potential for you to be able to get it lessoned is very slim. Finally, you must show that you are remorseful for your actions. Therefore, things like insisting that you weren’t drinking, or denying a blood alcohol exam do nothing to make yourself look remorseful. Although there has been an impression that denying a blood alcohol test is a good idea, in the long run, if you are driving while impaired, it may not be a good decision unless it is advised by your attorney.

The best place to start when you are convicted of driving while impaired is to hire an attorney. If you cannot afford one, the court will assign you one but you must ask. It is best not to talk too much prior to getting the legal advice you need to protect yourself in the most appropriate way. If you have been convicted of a DUI or DWI and having a hard time affording auto insurance, to drive, you will need to be compliant. Once the sting of the trial is over, the best way to get the lowest rate possible or even a carrier who will cover you is to comparison shop. Simply scroll to the top of the page and input your zip code. Within minutes you will receive your free auto rate quote insuring you are not overpaying for your auto insurance. Why wait another day to make sure you are getting the cheapest price possible on your auto insurance needs. Comparing cheap car insurance in your area is the best way to investigate if it does exist.

How DMV Can Help Seniors Lower Their Auto Insurance Cost

How frustrating is it to finally get to the age of retirement, a time when things should be getting easier, slowing down a bit, only to find that your auto insurance rate has gone up. There are ways the DMV can help to lower those costs associated with aging. With a now limited monthly income, you are trying to find ways to cut back, the very last thing you need is a company looking for ways to charge you more. Combat the increase to your auto insurance by finding a way to offset the cost.

Almost all auto insurance companies will begin to increase your rate incrementally past the age of 65. Although that may make you angry, it is just the way that it is. When insurance companies rate age groups, they consider people over the age of 65 as being in a higher risk category than other age groups. Although that practice is pretty standard across the board, you may want to compare the rates of other companies.

There is so much competition in the auto insurance industry right now that you may be able to get a better deal from another company for switching. Even if you are put into a higher risk category, they may offer you a lower price just to switch. If that fails, there are other ways to lower your cost so that you can make your monthly premium on a retirement budget.

Some insurance carriers will offer discounts to seniors who completed driving courses. The Department of Motor Vehicles offers different courses for drivers of any age. Defensive driving courses will sometimes be accepted by your insurance company in exchange for lowering your auto cost. Although it may not be the big decrease, it may be enough to equal the yearly increase. Another way to get the DMV involved is by renewing your license on a regular basis. Insurance companies will work with the DMV to keep rates low for those seniors who pass a driver’s test on a yearly or bi-yearly basis. I know, not your idea of fun, but if it means more money in your pocket; it may be worth it.

Most importantly, make sure to keep your driving record clean. The reason that seniors are considered high risk is because their reaction time is slower which leads to more accidents in the age group of 65 or older. Making sure that you have the proper eye wear, driving at times of the day when you know you are most alert, and avoiding driving under bad weather conditions, are all a good way to minimize any moving violations or accidents on your record that will add to your cost. If your auto insurance carrier is unwilling to work with you to lower costs then it is time to look into switching companies.

Take the time now to input your zip code at the top of this page. You will receive several quotes in the matter of minutes allowing you to see how your current policy rates among others, and allowing you to make the best decision for your auto insurance needs. Why wait another day paying a higher price than you need to? If you are willing to jump through the hoops to work with the DMV and you get no benefit, you can most definitely find another company who will appreciate and reward you for it.