Online Vehicle Insurance – What is No-Fault Auto Insurance?

There are different versions of no-fault auto insurance laws in 12 states and Puerto Rico. In theory, the system is supposed to discourage lawsuits by allowing policyholders to recover financial losses from their own insurance company without having to prove that anyone is at fault in an accident. Motorists may only sue for injuries and for pain and suffering if their case meets certain minimum conditions.

Seven states, including Utah, require that you meet a minimum dollar threshold to be able to bring a lawsuit over damages over and above your economic losses. Florida, Michigan, New Jersey, New York and Pennsylvania use a verbal description as a threshold (i.e. severe disfigurement, disability or death).

In New Jersey, Pennsylvania and Kentucky, motorists may choose to reject the lawsuit threshold on their insurance policy and keep their right to sue for any auto-related injuries. Click here to learn about Colorado’s transition from no-fault to tort.

General Motors, LLC (GM) is recalling certain 2018-2020 Buick Regal vehicles. In the event of a vacuum-power brake assist failure, a software error in the electronic brake control module (EBCM) may result in a loss of power brake assist. As such, these vehicles fail to conform to Federal Motor Vehicle Safety Standard No. 135, “Light vehicle brake systems.” A loss of power brake assist can extend the distance required to stop the vehicle, increasing the risk of a crash.

Remedy

Dealers will update the EBCM software, free of charge. Owner notification letters are expected to be mailed August 15, 2022. Owners may contact Buick’s customer service at 1-800-521-7300.

Online Vehicle Insurance – What is a Monetary Threshold?

In some “no-fault” states, a dollar amount for medical and rehab expenses that must be reached in order to file a lawsuit for damages for non-economic damages (i.e. pain and suffering) against the driver who caused the accident. For example, under Colorado’s old no-fault law, you could sue for pain and suffering if you racked up a threshold of $2,500 in medical expenses (nullifying the no-fault law). See verbal threshold.

Shopping for auto insurance is no longer the chore it used to be; in fact, insurers are practically screaming at consumers to come and check to see if they can save them money. As a person surfs the Internet there is a very good chance that there will be an advertisement from an insurer on many of the pages they are viewing; since getting quotes is free and does not require an obligation to make a purchase, why not click on the ad and see if the company can really save “X” amount of dollars? If they can, a motorist would be sure glad that they did.

One great way to find cheap rates is to use the services of a comparison website; literally thousands of them have been developed which can save a lot of time when searching for affordable coverage. Certain websites only require basic information to be inputted into a brief form where once submitted will return the quotes of numerous competitors; the whole process can be done in under five minutes and depending on the state and the number of insurers, the visitor can be looking at the rates of over 50 carriers. The Texas Department of Insurance states that “You can save a $100 in an hour”, but with comparison websites, consumers may be able to find savings a little quicker.

Almost every state in the U.S. mandates that vehicle owners and operators must maintain and carry some type of automobile coverage in order to keep vehicles registered and drive legally. With the economy in the state that it is in and many states raising car insurance requirements in recent months, some individuals will find their rates increasing; due to these facts, finding an affordable policy can become extremely important for some motorists and in some cases necessary in order to have the ability to keep their coverage active.

Consumers should be aware that there are a few ways to go about finding cheaper policies and methods that can be used to find a policy at a reasonable price and keep some cash in their pocket books.

The most effective approach to locating affordable auto insurance is to shop around and compare as many quotes as possible from a wide variety of insurers. Just about every consumer guide or government website which refers to automobile coverage advises that consumers complete price comparisons of carriers before making a purchase and this is sound advice.

With some states having a large number of licensed companies authorized to issue policies, motorists should know that the premiums offered can vary substantially; a recent study showed that a premium can differ as much as 200% for the same product from different providers.

Although it may sound like it can become a hassle having to obtain and compare rates from so many companies, the more insurers individuals have to choose from only raises the chances of finding a lower rate. This is because as the number of carriers increases then so does competition which may keep premiums lower.

Many consumers do not look forward to shopping around for auto insurance for a few reasons; maybe they just do not want to take the time to do so or they find it a hassle to drive down to an agent’s office or various offices to find the best deal. The bad news is that in order to locate the most affordable policy a person will need to shop and compare, but the good news is that it is not the time consuming task that it once was. Thanks to the Internet, getting quotes from various providers can be done in practically no time at all and can possibly lead to a good amount of savings.

Carriers have quickly adapted to the fact that many consumers are flocking online to shop around for cheaper rates and have made their services available online, including the ability to obtain a quote; this allows motorists to obtain pricing without having to step foot out of the house. What are even more convenient are the services of a comparison website which offers the rates of multiple insurers with the completion of a brief form so that individuals do not have to take the time to visit multiple websites; the whole process can be completed in less than five minutes.

Rating agencies are available online and are a valuable resource to help motorists make a well informed decision before choosing a insurance company. These agencies use certain tiers which they place insurers in based on their financial stability; for example, one agency uses letter grades similar to school grading.

If a carrier receives an “A” then they are regarded as having an excellent ability to compensate policyholders, a “D” letter grade would indicate a weak ability to fulfill obligations. These agencies are a well trusted source of information and commonly suggested by government websites; the Illinois Department of Insurance website provides a list of rating agencies and will even provide company ratings to residents.

One great thing about comparing free quotes is that it can be used in a number of different situations. For many comes the day when their child hits the golden age of 16 and obtains their driver’s license; while the parent may be proud of their child’s accomplishment, one thing is for sure and it is the dread of the auto insurance premium increase they are almost certain to receive; shopping around and receiving rates can lessen this blow and lead to a cheaper carrier whether they will be added to a parent’s existing policy or getting one of their own.

Another wise place to take advantage of free quotations is when motorists are looking to purchase a new vehicle; through much of the excitement of getting behind the wheel of a dream car, many forget the cost of insuring it and will be shocked to see that the price of coverage can nearly equal the automobile’s monthly payment.

Comparing rates before a purchase can help avoid getting into buying a vehicle that may not be as affordable as once thought.

Comparing as many quotes as possible can better the chances of locating the most affordable coverage for a particular budget. The price that companies will charge for car insurance can differ substantially between each carrier and there may by insurers that will offer coverage with little down and monthly installments, but there are insurers who may offer much better rates to consumers who are willing to pay upfront. Motorists must do a little legwork to find the provider who can can give the cheapest payments on a monthly basis; although this may take a little bit of time it is the only way to ensure that the best installment plan is found.

Hyundai Motor America (Hyundai) is recalling certain 2017-2018 Ioniq HEV and Ionic PHV vehicles previously recalled under recall number 18V-704. The Power Relay Assembly (PRA) located underneath the rear seat may overheat. A total of 10,575 units are affected. Read more

Hyundai is recalling certain 2020-2022 Venue vehicles. In the event of a crash, the front driver-side and/or passenger-side seat belt pretensioners may explode upon deployment. A total of 72,470 units are affected

What is Medical Payments Coverage in Auto Insurance?

Medical payments coverage (which is generally optional) helps to pay the doctor, hospital bills, and funeral expenses for injuries to you and the passengers in your car, regardless of who causes the accident, up to the policy limits.

Med Pay is sold in states with traditional tort insurance laws. In states where Med Pay is optional, drivers may choose to rely on their own and their passengers’ own health insurance to cover resulting injuries. Most insurance companies offer a wide range of coverage amounts.

What is the Financial Responsibility Law

Financial Responsibility Law generally refers to the law that requires motorists to have auto insurance, however most states also permit a bond or cash deposit as evidence of the ability to pay for negligence in causing losses to others from the operation of a motor vehicle. In 47 states and the District of Columbia, it is illegal to operate a vehicle without obtaining proof of insurance.

Honda (American Honda Motor Co.) is recalling certain 2020-2022 GL1800 Gold Wing motorcycles equipped with manual transmissions. An ignition timing software error for the engine control unit (ECU) may reduce engine performance, which can result in an engine stall. A total of 1,740 units are affected

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What are Economic Benefits in Auto Insurance?

Economic benefits is the tangible, out-of-pocket expenses, such as medical expenses, rehabilitation expenses, lost wages and essential services.