When shopping for car insurance, you probably weren’t sure which policy was best for you right off the bat. There are so many types of insurance out there, and it’s difficult to know for sure which one will be the best fit for you. Here is a brief overview of the different kinds out there to help you understand the basics:
Pretty self-explanatory, this insurance covers damages to your car after an accident in which your vehicle has collided with another vehicle.
If you get into an accident with a driver who doesn’t have car insurance, this will help you pay for damages to yourself and your car. If you are hit by an uninsured driver, the team at Chapman Injury Lawyers is another way to get a settlement against the driver if you don’t have uninsured motorist coverage.
Whatever you decide to go with policy-wise, make sure you’re protected against the other drivers; just because you have insurance doesn’t mean that they do.
This is often bundled with uninsured motorist insurance. Sometimes the other driver will have a policy that covers the bare minimum for them, and the bare minimum is rarely ever enough to help the other driver. Consider going with this option if you’d like a little safety net in your policy.
This is, obviously, the most comprehensive policy. Not only does it protect the driver in the case of a collision with another vehicle, but it also offers coverage in case their car is vandalized, struck by an animal, or is damaged in a weather catastrophe like a hurricane or tornado.
This policy is common for people who don’t want to spend a ton of money on their auto insurance. If the holder of the policy is at fault for the accident, liability only insurance helps the other driver pay for their car and their injuries.
Although this is a common option for many people to go with, its simplicity makes it hard for drivers to get assistance in the case of a freak accident, or accident where they are not at fault but the other driver does not have sufficient insurance.
Often, an accident results in hospital time for at least one of the parties involved. No matter who is at fault, an insurance policy that offers coverage for medical payments can be a great thing to have because it helps the holder cover medical bills during their hospital stay.
This is a pretty niche policy that won’t affect most of the drivers on the road. But, if you have a vintage car, this policy helps cover the specific needs of your car that most other policies may not.
Hopefully, this list helped you out a little. One thing to consider is that a lot of the above policies can be combined with one another to create a customized plan that’s right for you! These also aren’t the only policies available, they’re just a few of the many policies that can be bought for a driver.
Accidents happen to anyone, and it can happen to you. I recently purchased a new motorcycle, including my helmet and other safety gear. I wear the safety helmet, eye protection, and gloves, but I know that other motorcyclists are more at risk if they are not wearing the proper riding gear. I’ve been a motorcyclist for many years, so I know the roads in our state. I like to drive across the different counties in our area and take in the sites and country roads. I follow the rules of the road, but some other motorists obviously don’t. I think this is the third time since I got the bike two weeks ago, that I am going through an intersection, and an automobile doesn’t yield to me and turns left in front of me. Luckily, I avoided an accident in these situations. However, I don’t think that everyone is so fortunate. I was reading stats on accidents in our state, and the website states that more than 50 percent of motorcycle-vehicle crashes occur because a driver did not see a motorcycle. I understand that bikes are smaller vehicles, but if you are watching out for bikes when you are driving, I think that you could see them. I also read that nine out of ten motorcycle fatality victims were not wearing a safety helmet. However, it doesn’t help that our state doesn’t have a helmet law, requiring that all motorcycle driver wear one. I don’t get it. Automobiles require air bags and other safety equipment in the event of a crash. So, if someone hits a motorcyclist (who is not protected from the elements like a passenger in an auto), that motorcyclist is going to either fall or get tossed in the air, bike and all. It makes sense to me to always wear a helmet, but maybe the law will change someday.
I also read that in the past six years, overall traffic fatalities in our state have declined, yet motorcycle fatalities have not. I also read that more than 50 percent of motorcycle-vehicle crashes occurred because a driver did not see the motorcycle. I just don’t get it. If the automobile or truck driver is alert and watching out for the motorcyclist, then they should be able to avoid any collision. The rules of the road need to apply to all drivers, including motorcyclists who have a greater chance of fatality if involved in a crash.
I can understand why there are more fatalities with bikers. I’ve had to dodge vehicles that were forcing me off the road just so that they can get in my lane. Or another vehicle is honking their horn to get me to pull over so that they can get in my lane when I am driving the required speed limit. Well, motorcycles are vehicles with the same privileges as any vehicle on the roadway. If other drivers don’t start respecting the other drivers, including motorcyclists, then accidents will continue to happen.
There have been several instances when manufacturers for design or manufacturing defects have recalled millions of tires. The most recent one was announced on March 10, 2015 by Toyo Tires, which involved more than 190,000 tires sold in North and South America. The Japanese tire manufacturer state that these may have a manufacturing defect that affects the integrity of the belt edge.
Such announcements usually excite a blip or two in the news, but certainly not enough to capture the attention of many viewers that may be closely concerned i.e. they have the same kind of tires on their vehicles. That is, until a serious accident happens.
Tire recalls are problematic because of saturation. Even when distributors and dealers pull the products in question out of the market, tires that have already been sold may have gone to car owners that are not aware that they may have a potential problem on their hands. This is compounded by the fact that some distributors and dealers continue to sell these defective tires after a recall has been issued.
According to the National Transportation Safety Board, the failure to take old and defective tires off the road is an issue needs to be addressed as soon as possible. Every year, 6,000 people are injured and 200 die in defective tire accidents.
Defective tires are dangerous because they can explode at speed, causing the driver to lose control or the vehicle to roll over. The same applies for old tires, which weaken over time and should be replaced at least once every 6 years even if there is hardly any wear and tear. According to the website of Evans Moore, LLC, however, many tire blowouts are a result of design or manufacturing defects.
If you have been sustained serious injuries in a defective tire accident, you may have the right to seek compensation for what you have gone through. Consult with a defective tire lawyer in your state to find out your legal options.
Compensation for the cost of damages caused by a car accident in the US is often paid for by the car insurance provider of the driver at fault. This is usually accomplished when each of the parties concerned informs their respective insurance companies about the accident and the details so that fault can be assigned. The insurers will then determine who pays for what and how much. Depending on the coverage of the driver at fault and the extent of the injury, some car accident compensation for pain and suffering may be forthcoming. However, whether the offered settlement for pain and suffering is fair or not will depend on a lot of factors.
Insurers are always interested in getting away with paying as little as they can possibly get away with, so in most instances whatever the insurer initially offers for pain and suffering is probably going to be really small. Many people quickly accept the offered car accident compensation to settle the matter as soon as possible, thinking they are getting money for nothing. However, according to the website of Habush Habush & Rottier S.C., they often don’t consider that there may be physical, psychological and emotional problems that will crop up later that will have a significant impact in their lives. This may entail additional and possibly long-term costs. After all, it is not called pain and suffering for nothing.
Unless a personal injury lawsuit is filed, insurers will generally try to dictate how much car accident compensation for pain and suffering will be. The at-fault driver’s coverage may have a natural cap for such payments, but insurers will seldom offer the maximum outright. Consulting a personal injury law firm can provide a good estimate of what might be reasonable car accident compensation for pain and suffering.