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Monthly Archives: April 2017

Tricks to Prevent Auto Crash

Undeniably, this collision could have resulted in far greater general liability and other damages. Nonetheless, you will definitely be filing an auto insurance claim through your insurance agency. Thankfully, all those premium payments you have dutifully been submitting have come around to your benefit: you have good coverage under your particular policy and you will be protected by it.

“How could this actually have happened to me?” you wonder incredulously.

According to government officials, the disturbing experience can happen to anyone! Oftentimes, wild deer leave the adjacent forest or wilderness to roam the roadside. And it’s not too unusual for them to jump into the danger that oncoming traffic presents. If a car has its headlights on, the deer crossing the roadway can become mesmerized and statue-like. With no other recourse, oncoming cars collide into the animal. As it seems, both are victims.

With the proper care, though, motorists can avoid risky confrontations with deer (and other big forest animals).

Four Points to Avoid an Auto – Deer Accident

• Motorists are most prone to meet up with a deer during the poor visibility hours between dawn and dusk; drive exceedingly carefully at this time.

• Official statistics say the majority of deer collisions occur in October, November and December – the pre-breeding juncture.

• If you spot a deer positioned at the roadside, slow down and drive very, very carefully; deer can abruptly change route and run into traffic flow.

• Look out for and pay close attention to deer crossing symbols and markers: the reason they are placed there is because there have been deer incidents at the site.

Purchase Cheap Travel Insurance

Ascertaining the Suitability Of Your Policy

The vast majority of providers will include comprehensive medical cover with even their cheapest policies. They will offer protection against the costs of medical transportation and treatment, in most instances. However, the insurers will expect you to declare any pre-existing medical conditions prior to departure. If you fail to take this step then you may discover that your single trip travel insurance policy is invalidated. You should also remember the insurers who specialise in budget deals may only be prepared to cover short breaks, as mentioned above. They might also not pay out in the event of injuries that occur as a consequence of participation in extreme activities. We’ll say it again: read the fine print.

Taking Account of Policy Exclusions

It may not surprise you to hear that many single trip travel insurance policies are generally very basic – and it is for this very reason they are so cost efficient. There may be a number of exclusions and stipulations. For instance, you may discover that your package doesn’t include cover against injuries that may happen while you’re working abroad; for many, this won’t be an issue, but if you do plan on working, you must be covered. The insurers may also be unwilling to cover those travellers who are injured while using specific types of transportation in foreign countries. If you want to be assured of complete peace of mind it is always advisable to check for policy exclusions prior to your holiday. It may even be worth paying a little extra for a comprehensive single trip travel insurance package.

Shop for Earthquake Insurance

See if it makes financial sense to retrofit your property. Whether you own a hotel building or a small 600 square foot rental home a simple retrofit can save you as much as 50% on your insurance premium. Do a quick search online and find out how much it costs to retrofit your property, most retrofitting companies offer free estimates. Keep in mind that you retrofit your property for the purpose of protecting it in the event of an earthquake, not just for a lower insurance premium.

Many agents will exclude building ordinance or law coverage to keep your quotation price low. If you purchase a policy that excludes this coverage you’ll be financially responsible for all new building code upgrades made mandatory by your state in the event of a loss. This may not be much for a property built within the last 10 years but an old property could have hundreds of required building upgrades.

Ask for multiple deductible options. The deductible your quotes have will drastically affect your annual premium. Ask your insurance broker to provide quotes with deductibles starting at 5% going up to 25%. The higher your deductible the lower your premium will be, it should be a reasonable amount you can come up with in the event of a loss.

Get quotes with and without earthquake sprinkler leakage. This coverage option can add a few thousand dollars to your premium. An extra thousand dollars can be a dealbreaker for anyone shopping for insurance. Although you may have fire sprinklers, earthquake sprinkler leakage me not fit in your budget. In the event of a major earthquake a basic policy without earthquake sprinkler leakage could be enough to save you from bankruptcy.

Don’t Always Need Car Insurance

Montana

· Surety bond

· Cash deposit with state treasury office

· Self-insurance

Nebraska

· Carry car insurence

· Cash deposit with state treasury office

· Self-insurance

· Surety bond

New Hampshire

· Insurance only required if you have been in an accident, convicted of driving under the influence, reckless driving conviction, and/or traffic violation under review

Ohio

· Auto insurence

· Surety bond

· Cash deposit with the state treasury office

· Complete Section A in the crash report for the state

· Self-insurance

Oklahoma

· Cash deposit with state treasury office

· Self-insurance

· Surety bond

South Dakota

· Self-Insurance

· Cash deposit with the state treasury office

Texas

· Surety bond (need TWO individuals)

· $55,000 cash deposit with state comptroller

· $55,000 cash deposit with county judge

· Self-Insurance (dealer with over 25 cars)

Virginia

· $500 uninsured driver fee

As you can see, many states offer you other methods in registering your vehicle without having to have car ins. However, it may cost you more money to get around insurance than just purchasing a simple liability insurance plan. Most cash deposits and surety bonds must be above $30,000 and insurance may cost you between $1000 and $3000 a year. This means you must own that car for at least six years to make the cost less. Dealers with over 25 vehicles in their fleet can apply for self-insurance. The rules vary between states, and it does not cover underinsured or uninsured drivers. It also does not cover lawsuits due to injuries.