Named Driver Exclusion
So, you and your significant other
decided that it would financially make sense for you both to be insured
under the same auto insurance policy. Things were going great and
working well until one of you got in trouble for a DUI or a serious
speeding ticket. You anticipate this ticket to increase your auto
insurance significantly. Is there anything you can do to save the
premium from skyrocketing for the other person?
Risky risk
Driver exclusion, also known as named driver exclusion, is something
that people regularly ask insurance companies for. You are taking a
risk when you decide to add a significant other or a child to your
current policy. It may save you money right now, but in the long run it
may do the opposite. Named driver exclusion is a document that changes
the terms of the current policy a person is using. To be more specific,
it means that the name that is listed will not be covered under the
policy while driving the insured vehicle.
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Always Carry Proof
After all of these years of driving on
the edge, you finally decided to purchase insurance. This is a great
decision! However, in many states just purchasing insurance it isn’t
good enough.
Required for Vehicle Registration
To help minimize the amount of uninsured motorists on the road, many
states require drivers to show proof of insurance before receiving their
registration tags. It is illegal in all states to drive a car that does
not have registration tags, making this a perfect checkpoint for
insurance.
Read Always Carry Proof
Planning on being a Co-signer? Know what you’re getting into first!
So, your girlfriend or boyfriend really wants a new car but doesn’t have the money to buy it alone. Since you’re a nice person, you decide to be a co-signer for the loan. However, a few months’ later things weren’t able to workout between the two of you. Because of your friendly nature you both have been able to remain friends, and you still feel comfortable being a co-signer on the loan.
Things seem to be going well until you get a call. Your ex lost rights to her car because of some money issues she was having. The person on the other end of the loan is explaining that they need you to come down and fill out some paper work. You had no idea that you would have to do anything with this car besides be responsible for the loan.
Read Planning on Being a Co-Signer
Do You HAVE To Go Through Insurance?
Sometimes, after an accident, it seems
easier to skip insurance and just figure out the cost of damages
between the two drivers. So, is it possible to get compensation for
your damages without going through insurance?
Of course it is possible to not go through insurance and still receive
compensation. However, this is not always the best idea. I know what
you’re thinking, we’re just telling you this because we deal with
insurance. Sure, that has something to do with it because we know how
important insurance is, however we are also looking out for your best
interest.
Read the rest of Insurance for Do You HAVE To Go Through Insurance?
Don't Be a Victim of Insurance Fraud
The Internet has helped the insurance industry to grow exponentially in the last few years. Customers are able to comparison shop without ever having to leave their home. But, like with any great thing, there usually come some negatives.
Insurance fraud has drastically increased within the last few years. The Internet provides a lot of opportunities for people to hide behind their computer and make false sites with false offers. So knowing that, how are you supposed to feel confident making a purchase online?
Read Don't Be a Victim of Insurance Fraud
Umbrella Policies
Your teenager just received his license and is heading to school. Unexpectedly he hits a patch of ice and finds himself in oncoming traffic. The result of this accident reminds you of why you decided to purchase umbrella insurance the month before. The cost to fix your son’s car along with the damage done to the other individuals involved is going to exceed your insurance policy coverage by another $100,000.00.
Accidents are expensive. We know this whether it is a finder binder or a serious injury related accident. Fixing cars and people is not cheap. That is why it is important to take care of yourself. To some, umbrella policies are over doing it. Insurance is already planning for the unexpected, so why spend more to cover that when you might never use the benefits of your regular insurance anyways?
Read Umbrella Policies
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