As good drivers, we know exactly how to interact with other cars on the road – we know who has the right of way at various types of intersections, what to do if another car has its lights off at night, and how to handle a tailgater.
But what many drivers are far less versed in is safe interaction with the pedestrians and cyclists with whom they share the road. And given that cars are the post powerful things on the road, this lack of knowledge often causes accidents that result in serious injury or even death.
Shopping for a used car? Here's some good news: Financing a used car is doable. Interest rates on used cars are generally higher than on new cars, but if you follow these guidelines you'll do pretty well.
In recent years, an applicant's credit score has grown in importance for determining car insurance prices. Every agency now asks for credit scores before determining coverage rates. According to Lower-Auto-Insurance.com, brokers and financial analysts have noticed that credit rating has a growing influence on auto insurance prices.
The changes may have been caused by the recent financial crisis, when many auto insurance policies lapsed. To avoid financial losses, agencies may now decide how much to charge someone based on his or her credit score. Someone who has a good credit rating may get cheaper insurance premiums, as the agency believes that clients who have a good financial situation will be better able to cover their premium expenses.
Liability auto insurance is a specific type of insurance coverage that most drivers must carry, according to Compare-AutoInsurance.org. Although a mandatory policy, liability coverage has several disadvantages that often may not make it the perfect plan for many drivers; one of the biggest is that it only provides financial coverage to cover damages caused to other parties.
This means that a driver insured under liability plan will not be able to use the benefits to pay for his/her car repairs. The policy will also pay damages only if the insured was at fault. This can be disadvantageous especially if an uninsured motorist was at fault and caused an accident. To avoid a long and complicated legal battle, clients are also advised to purchase liability coverage with an uninsured motorist clause.
One necessary evil of getting things resolved is talking to your insurance company about what happened. If you’ve never done this before, there’s a good chance that you will feel a little out of your depth and nervous about it.
You may have to recount your version of the accident again and again to multiple people and you may get the feeling, at some point, that one of these people is trying to incriminate you.
As anybody shopping for auto insurance knows, prices can change dramatically based on your location, and purchasing coverage in some states and cities can cost a lot more than other places.
This is because of the risk factors associated with a certain areas, such as the weather, geographical features, criminality rates (particularly auto theft), local road infrastructure, and last, federal laws and regulations imposed on the territory of a specific state.
For instance, in many Northern states, car insurance tends to be more expensive because of the weather conditions that can make driving unsafe. Especially congested cities can also cost more because the incidence of traffic accidents is higher, which explains why rates are especially high in New York City, Los Angeles, and Washington, D.C.
We all try to be safe drivers and avoid accidents, but accidents happen. The average American will be involved in a least one car accident in their lifetime. The only way to avoid an accident with 100 percent certainty is to stay off the road, which isn’t a real option for any of us.
The surprising thing is, despite how common accidents are, few people actually know what to do when they happen. Because of this, even the smartest and most competent drivers often make serious mistakes that have legal implications or hurt their chances of being covered by insurance.
Take a few minutes to learn a few things you should always avoid after any kind of driving accident.
According to National Highway Traffic Safety Administration’s theft rate data, more than 9 million model year 2010 vehicles were produced in calendar year 2010—and 10,568 were stolen. Of those stolen, 8,736 were passenger cars, 1,689 were multipurpose passenger vehicles, and 143 were light-duty trucks.