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Auto insurance, life and travel insurance quote


   Are you covered if the worst should happen to you, your car or your business? It is a morbid thought but if you don’t address it now your family may struggle to cope financially if you are unable to support them, your business may go into decline and your car could go unreplaced in the event of an accident.

   However, the good news is that all these worries can be alleviated with a little simple investment in insurance. There are many different types of insurance and you can soothe your worries away by insuring anything from your health to your motorbike and everything in between. Anyone who has suffered an illness, accident or loss without insurance will assure you that recovery, whether it is financial, physical or mental, is a much speedier and gentle process when you have the cushion of insurance to help you on your way.

   Life insurance will provide for your family, providing a lump sum and often ongoing financial support. Life insurance can even pay off your mortgage and a life insurance settlement will help your family to cope after you have gone. This life insurance settlement can be organised in advance and you can even write your will at the same time.

How long does a speeding ticket stay on your record in Indiana?

According to the Indiana Bureau of Motor Vehicles (BMV) points associated with a traffic offense, such as speeding, may be disregarded after 2 years but the violations remain on the record since IN state continues to track your violations.

Most carriers only review the previousВ 3В or 5 year period.

If in Indiana they find you have committed repeat traffic offenses over a 10 year period, IN will classify you as a habitual traffic violator.

The Habitual Traffic Violator law for repeat offenders provides for license suspensions of 5 years, 10 years, or life.

It appears that while points for traffic violations will only remain active on your motor vehicle record (MVR) for 2 years, that traffic offenses and serious vehicular offenses, such as a DUI, continually remain on your record.

January 8th, 2009 by andersen_mj Auto InsuranceNo Comments

My license was suspended in Illinois for speeding. I recently received a no operators license ticket in Nebraska. What exactly does that mean?

If Illinois is your licensing state and they have suspended your driver's license than it is suspended in all states and thus you should not be driving since you do not have a valid license. A state that is not your licensing state can only take away your driving privileges in that state but when the state that issued your license is the one to suspend your driver's license than your license is not valid in that or any other state.

So if your

home state of Illinois suspended your license and you were pulled over in Nebraska they ran your license and found that it was suspended and not valid and thus cited you for "no operator's license" which basically means driving without a valid license.

There are many laws in NE that discuss driving with a suspended license. The ones that seem to be most relevant to your situation include the following sections:

60-486 states that no person shall be licensed to operate a motor vehicle by the State of Nebraska if such person has an operator's license currently under suspension or revocation in this state or any other state or jurisdiction in the United States.

60-557 notes that any person whose license, registration, or nonresident's operating privilege has been suspended or revoked under the Motor Vehicle Safety Responsibility Act and who, during such suspension or revocation, drives any motor vehicle upon any highway or knowingly permits any motor vehicle owned by such person to be operated by another upon any highway, except as permitted under the act, shall be subject to section 60-4108.

60-4108 in part states that any person so offending shall (a) for a first such offense, be guilty of a Class II misdemeanor, and the court shall, as a part of the judgment of conviction, order such person not to operate any motor vehicle for any purpose for a period of one year from the date ordered by the court and also order the operator's license of such person to be revoked for a like period and (b) for each subsequent such offense, be guilty of a Class II misdemeanor, and the court shall, as a part of the judgment of conviction, order such person not to operate any motor vehicle for any purpose for a period of two years from the date ordered by the court and also order the operator's license of such person to be revoked for a like period. Such orders of the court shall be administered upon sentencing, upon final judgment of any appeal or review, or upon the date that any probation is revoked, whichever is later.

As the Nebraska Revised Statutes listed above note it is a misdemeanor to drive in NE while your license is suspended. In Nebraska a Class II misdemeanor comes with maximum penalties of 6 months imprisonment, or $1,000.00 fine or both. Some sources we have seen say that you may be able to lower it to a Class III misdemeanor. If that is the case than the maximum penalties for this is 3 months imprisonment, or $500.00 fine or both.

So jail time is a potential penalty that a Nebraska court can hand you as well as a fine to pay. You should contact the court listed on your NE ticketВ to find out more about the offense you were written up forВ and the penalties you could receive.

January 8th, 2009 by andersen_mj Auto Insurance1 Comment

Does Florida have a law that provides a presumption of negligence for a rear end accident? What is it?

Florida does have a presumption of negligence for a rear-end accident however it is not a state statute that we are aware of but instead Florida case laws that has set this precedent. In all the cases we have read with a presumption of negligence for the driver that rear-ended the vehicle a specific law is not mentioned just that it is a well established principle that in a rear-end type collision Florida law presumes the negligence of the rear driver.

Starting with a case called McNulty v. Cusack, (Fla. 2d DCA 1958); FL law has presumed that the driver of the rear vehicle was negligent in a motor vehicle accident unless that driver provided a substantial and reasonable explanation as to why he was not negligent. It the driver can prove such an explanation than the presumption would vanish and the case could go to the jury on its merits if it is a court case.

Negligence is defined in FL as the failure to use reasonable care under the circumstances. And a driver that causes a rear-end accident is usually found negligent under Florida Statute 316.0895(1) which states:

The driver of a motor vehicle shall not follow another vehicle more closely than is reasonable and prudent, having due regard for the speed of such vehicles and the traffic upon, and the condition of, the highway.

So under this traffic regulation most drivers are found at-fault for colliding with the car in front of them. If a person rebuts negligence though and shows that reasonable care was taken then they may be able to lift the presumption of negligence. Once the presumption of negligence is rebutted, the presumption vanishes and if the case is in court it is sent to the jury on the basis of all the evidence submitted.

In a rear-end type collision Florida law, based on court cases already tried and with decisions, presumes the negligence of the rear driver. While this is the presumption of the court, insurance companies, etc it does not mean that a driver cannot rebut the presumption. If the driver that rear ended a vehicle can give a reasonable and substantial explanation of why they are not negligent or at fault they may be able to either be found not at fault or have some fault placed on the other driver since Florida is a comparative negligence state.

Comparative negligence means that a driver is allowed damage recovery but it is reduced by a person’s own percentage of negligence. Comparative negligence comes into play when it is contended that two or more parties failed to perform at the standard of the "ordinary reasonable person."

For example while a sudden stop alone does not place any fault on the front driver, a sudden stop that occurs because the forward driver failed to exercise reasonable care (i.e. stopped for no apparent reason) could also be the basis for a claim of comparative negligence.

If you want to know more about presumption of negligence in Florida in regards to rear-end accidents try contacting a FL lawyer that is an expert in this type of Florida law, we are insurance agents.

For Florida car insurance quotes from an auto insurance specialist click here.

January 8th, 2009 by andersen_mj Auto Insurance1 Comment

Can a body shop pay or discount my $500.00 deductible?

Any agreement between a private party and the body shop is between them.

Normally a body shop that works with an insurance company will not pay off or discount your deductible amount. This would seem unethical in that it would appear they would just over-inflate the estimate to cover your deductible amount so that the insurance company ends up paying the entire amount for repairs, which is not right since you agreed to a deductible amount in your policy.

If the insurance company did not over-inflate the estimate to cover the deductible (which is insurance fraud) but instead took your deductible amount off their profit it is likely they would then find ways to cut corners to make up for this amount they did not receive. We would advise against repair or body shops that would cheat insurance companies since they are also likely to cheat you as well.

If you read through your insurance policy you will see that it says that you are responsible for paying the first portion of a repair bill in form of a deductible. If the cost of repairs comes in less than the estimate, you are still responsible for the amount of the deductible. Any savings legitimately belongs to the insurance carrier. Often the amount of the deductible can be the only profit a body shop makes on a repair so if they discounted customers this amount it would be hard for them to stay in business for long.

When you purchased your insurance policy, you signed a contract agreeing that you will pay the first amount of the claim up to your deductible. Repair shops should not try to hide or pay your deductible for you. This would be considered insurance fraud and thus illegal by both parties in most states. Penalties for insurance fraud are usually quite severe.

For example the New York Insurance Department notes that notes that if by paying the deductible a repair company charges less for the services than the charges specified on the bill that is provided to the insurer, such company and the insured may be committing insurance fraud pursuant to N.Y. Penal Law 176.05(1) and N.Y. Ins. Law 403.

Insurance company and body shop appraisers know the cost of repairs and are rarely tricked by inflated or inaccurate estimates. Be wary of the repair shop that offers to save you your deductible. They may be taking short cuts in your repair, which could depreciate the value of your car. There must be a reason they are willing to involve themselves in violating your insurance contract and possibly committing insurance fraud depending upon your state's laws.

To find out about a specific situation and/or your state's insurance laws regarding this topic contact your state's insurance regulator.

January 8th, 2009 by andersen_mj Auto Insurance1 Comment

If my daughter is 16 years old and she has received her NC driver license, can she drive the family car without supervision? Secondly, does she have a provisional license or just a standard driving license like all licensed NC drivers?

The North Carolina Driver's Manual, available through the NCDOT Division of Motor Vehicles, states that drivers under age 18 are provisional licensees. Because these drivers have a much higher crash rate, special laws apply to them. So as a driver under the age of 18 your daughter:

  • Must present a certificate showing she has passed an approved driver education course that meets North Carolina requirements before she can take the test for

    a Learner Permit or License.
  • The DMV reviews her driving record more closely and may contact her if she has certain types of traffic violations or crashes.
  • It is unlawful for a provisional licensee to drive a motor vehicle after or while consuming alcohol or drugs - a conviction of such a violation will result in a one-year license revocation.
  • A parent or legal guardian must sign for a minor.

If you are stating that your daughter has a license than she must be in the second or third stage of the licensing process in North Carolina. As we just noted anyone under the age of 18 is a provisional driver in NC, not a licensed driver like other old, experienced licensed drivers.

The first stage of licensing in North Carolina is a learner's permit. We'll explain the graduated driver's licensing (GDL) stages here since it appears you are unclear which type of permit or license your 16 year old has at this point.

To obtain a learner's permit one must be at least 15 years of age and have completed an approved driver education course that meets North Carolina requirements and can present a Driving Eligibility Certificate (issued by the public school system), a high school diploma or its equivalent, you may apply for a Level One Limited Learner Permit to operate vehicles requiring a Class C License.

To get a permit one must be at least 15 years old but less than 18 years old and reside in North Carolina and pass written, signs and vision tests.For at least 12 months a Level 1 permit driver must be supervised by parent, guardian or other approved licensed driver who has been licensed at least five years. Other provisions of having a limited learner's permit include:

  • Supervising Driver -- A supervising driver shall be a parent, grandparent, or guardian of the permit holder or license holder or a responsible adult approved by the parent or guardian. A supervising driver shall be a licensed driver who has been licensed to drive for at least five years.
  • All people in vehicle driven by Level 1 driver must wear a seat belt, and only the supervisor can ride in the front seat.
  • For the first six months, a Level 1 driver may only drive from 5 a.m. to 9 p.m. with his or her supervisor.
  • For the second six months, a Level 1 driver may drive at any time with his or her supervisor.
  • A permit holder is not permitted to use a mobile telephone or other additional technology associated with a mobile telephone while operating a motor vehicle on a public street or highway or public vehicular area.
  • Before graduating to Level Two, you must keep Level One for at least 12 months and have no convictions of motor vehicle moving violations or seat belt infraction in the preceding 6 months.

Level 2 is a Limited Provisional License and it protects young drivers during the night time hours when they are most at risk. With this license:

  • Drivers must be at least 16 years old, but less than 18.
  • All passengers must be restrained by seat belt or child safety seat.
  • Supervising driver must be seated beside the driver when supervision is needed.
  • You may drive without supervision from 5 a.m. until 9 p.m. and at any time when driving directly to or from work or any volunteer fire, rescue or EMS (emergency medical service), if you are a member.
  • You are not permitted to use a mobile telephone or other additional technology associated with a mobile telephone while operating a motor vehicle on a public street or highway or public vehicular area.

Passengers under 21 in are allowed with a Level 2 driver in two scenarios:

  1. The number of passengers allowed in a motor vehicle under the age of 21 is restricted to ONE when the driver of the vehicle is the holder of the Level 2.
  2. If all passengers under the age of 21 are members of the driver's immediate family or members of the same household as the driver there is no under 21 limit.

If the supervising driver is in the car, this restriction does not apply. Before graduating to Level Three, you must keep this license for at least 6 months and have no convictions of moving violations or seat belt infractions within the preceding six months.

A Full Provisional License rewards violation-free driving and is level 3 in the North Carolina GDL process. The restrictions on level one and level two concerning time of driving, supervision and passenger limitations do not apply to a full provisional license however you areВ are still not permitted to use a mobile telephone or other additional technology associated with a mobile telephone while operating a motor vehicle on a public street or highway or public vehicular area.

Remember during the times your daughter needs a supervising driverВ it must be a parent, grandparent, guardian of the permit/license holder, or a responsible person approved by the parent or guardian. A supervising driver must hold a valid driver license and must have been licensed for at least five years.

For more information on your daughter's license and restrictions and conditions contact the NC DMV.

January 8th, 2009 by andersen_mj Auto InsuranceNo Comments

Children and Over the Counter Cold Medications

Canadian health officials are urging parents to not give over-the-counter cold medications to children under the age of 6. This warning comes from concerns over misuse and unintentional overdoses of the products. Earlier this year Health Canada recommended that these medications not be given to any children 2 [...] Continue Reading...

January 8th, 2009 by andersen_mj Travel Insurance1 Comment

New Year’s Resolutions

These are my resolutions for 2009. I have left some of the information blank so you can fill in your own information, if you are so-inspired.1. Quit (Fill in the blank). Hopefully it’s not the same as last year’s.2. Help at least one person every day3. Lose (fill [...] Continue Reading...

January 8th, 2009 by andersen_mj Life InsuranceNo Comments

Merry Christmas

Wishing everyone aMerry Christmas fromlifeinsure.com From reliable sources

January 8th, 2009 by andersen_mj Life InsuranceNo Comments

What Is A Rider?

In insurance a rider is a supplemental agreement attached to and made part of a policy, usually to expand the coverage of the policy. Typically these riders require additional premium to be paidThese are the most common riders that can be attached to a life insurance policy: Accelerated [...] Continue Reading...

January 8th, 2009 by andersen_mj Life InsuranceNo Comments

Life Insurance for Santa Claus

As I was stuck in traffic on a Los Angeles freeway yesterday, I saw a deflated blow-up Santa lying on the side of the road and, being the insurance person I am, I started thinking about what would happen if the real Santa Claus died? Would any toys [...] Continue Reading...

January 8th, 2009 by andersen_mj Life InsuranceNo Comments
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Home owner insurance, boat and farmer insurance quote

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