Car Insurance

You are prepared to spend an average of $300 - $500 for new
sneakers for you vehicle. It’s a maintenance item that is not
optional and then the salesperson asks you if you want to
purchase the Road Hazard warranty.

“It’s ONLY an additional $10 - $20 for each tire,” he or she
says. So, you’re thinking, “Don’t my tires come with a warranty
already?”

Great question! Most tires come with a warranty which covers
workmanship and materials. In other words, the tire manufacturer
covers things which are in their control, like defects. They are
not interested in warranting the condition of the roads or your
inability to hit debris.

This is where a Road Hazard warranty can save you money and
aggravation. Road Hazard warranties are one of the best values,
yet one of the most misunderstood benefits. Let’s start off by
explaining exactly what is a Road Hazard warranties and how does
it save me money?

Most Road Hazard warranties are set up to protect you, from
paying full price, even if you happen to get a flat or even
destroy a tire beyond repair. If you are fortunate enough to have
purchased the warranty, you will only pay for the amount of tread
that you used prior to the needed replacement. (This is called
pro-rated).

Here is an example. Let’s say your tire is 1/2 way worn at the
time of the flat. With tires averaging $100 each, your
replacement cost would only be $50.00. Much better than full
price, yes? Definitely - great value.

Typically, Road Hazard warranties will cover things like nails,
glass, metal, stones etc. and almost anything else that could
puncture or damage a tire. Some Road Hazrd packages provide a
nationwide coverage, which are great for people who are
traveling, or vacationing, because you now have peace of mind
knowing that you are protected while away from your local area.

In addition, many Road Hazard warranties offer other benefits
like free rotations and free balancing (check where you purchase
your tires for all the details). Regular maintenance is the best
way to extend the life of your tire and get as many miles as
possible for your investment.

Next time you are ready to purchase tires, ask your tire dealer
for the road hazard warranty. You’ll be glad you did.

Here’s some “Inside-Info” you must know so you won’t be taken
advantage of on your motor vehicle accident insurance claim and
also: SO YOU CAN COLLECT EVERY DOLLAR THAT’S OWED TO YOU !

The following 8 are just “The Tip Of The Iceberg”:

#1. There are situations where you can collect for your “Lost
Wages” even if you were paid by your employer and/or collected
“Sick Leave” while unable to work.

#2. You can collect money and be reimbursed for any and all “Over
The Counter” (non-prescription) medication you purchased during
your recovery.

#3. Under normal circumstances unless a claim ends up in court
(several years after impact has taken place and you are fully
recovered) you do not have to agree to be examined by the
insurance company’s doctor.

#4. There are many times that come to pass where you are entitled
to collect the “Gross Amount” of your lost wages, not the
so-called “Net After Taxes”.

#5. If you’re a housewife, you can often recover for “Lost Wages”
(based on the “Value” of a maid or a domestic servant, who would
execute the same work) which you could not perform due to the
injury.

#6. You are entitled to extra compensation if you can prove you
were forced to cancel a vacation and/or a special event.

#7. Under certain circumstances you may be able to make a claim
(and collect for) a personal injury even if your state is
“No-Fault” and you already have PIP (Personal Injury Protection)
coverage.

#8. Your friends, and even relatives, have the right to execute
statements which you can send to adjusters (and/or anybody you
feel should get one) going into detail as to what happened to
your body and what they’ve observed you’ve had to deal with (via
your “Pain and Suffering”) during your period of recovery.

These statements can often provide you with an even greater
dollar value - - when it comes to the calculation and then the
ultimate settlement of your personal injury claim!

Learn the tips on how to act when stopped by a police officer and
what to say to increase your chances of getting away with a
warning and not being ticketed. If you want to save yourself from
the worries and expenses of dealing with a speeding ticket then
after reading this article you’ll know what to do when stopped by
an officer.

If a police patrol car pulls up behind you with lights flashing,
the key to the next few minutes is keeping things safe for you
and the police officer. Slow down and carefully pull over to the
right shoulder, making sure to use your turn signal.

If you are uncomfortable stopping in a relatively unpopulated or
unlighted area, slow down, turn on your hazard lights and
indicate by a hand signal that you are going up ahead. Then pull
over as soon as you get to a more populated area. Police officers
understand this concern.

If it’s nighttime, turn on your dome light once you have stopped.
Stay in the car, unless you are told to get out. It’s a challenge
to the officer when you get out since officers are very cautious
because of the high rate of attacks in these situations.

Roll down the window and keep your hands in view on the steering
wheel. If you have to get your driver’s license, registration or
insurance card from the glove box, a purse or other enclosed
area, tell the officer before you do it.

The key is to play it cool and keep it safe. The easier and safer
you make the process for the officer to approach you the more
likely the officer will let you go just with a warning and not
assign you a speeding ticket.

Now what to say to the police officer?

Of course the process of keeping it safe for the officer is only
half of the game. Next you have to persuade officer to let you go
with a warning.

The first thing the police officer will ask you after stopping
your car will probably be whether you know why you have been
stopped.

Police officer will want you to admit that you were speeding and
that is what most drivers do - they admit that they did actually
speed and they receive a speeding ticket for it. A speeding
ticket not only costs them $150 but you are also dealing with
your insurance premiums.

Most people get pretty nervous when they got stopped by an
officer. The secret is to stay calm, speak to the officer in
respectable tone and politely ask whether the officer can let you
go with a warning.

The first question the officer will probably ask is whether you
know why you have been stopped. You basically have 3 things to
say:

1) Admit that you were speeding. The good side is that you are
being honest and the officer appreciates it. You may have a
chance that the officer will let you go with a warning.

The bad side is that if you get assigned a ticket and you had
admitted that you were indeed speeding then it will be used
against you at court. Officers usually take notes on what you
say. So if you feel that you will get assigned a speeding ticket
then you really shouldn’t directly admit that you were speeding.

2) Deny that you were speeding. This approach usually creates
tension between you and the police officer. If you don’t have a
reasonable argument to convince the officer that you weren’t
speeding then you will get assigned a ticket.

The good side for this approach is that you will have more chance
to beating your speeding ticket at court, since you didn’t admit
that you were speeding.

3) Don’t admit that you were speeding but neither deny it. This
approach may actually be the best one. When the officer says that
you were stopped for speeding you can say: “Oh, I see…” and then
you can, in a respectful voice, give an excuse to an officer that
you didn’t notice your speed bar or was too tired after work or
any other excuse that doesn’t sound right downright lies.

You can learn a lot more of effective tactics to on how to
persuade a police officer to let you go with a warning and
successfully beat the speeding ticket at court from:
http://www.beatingtheticket.com/course/

What is a deductible? A deductible is the amount you pay before
your insurance carrier pays any claim. Insurance companies offer
deductibles on certain coverage in insurance policies as a method
of sharing risk with the people they insure. Insurers believe
that if you, the insured, share some of the risk you will likely
be more careful and try to minimize the possibility of a claim.
Since you, the insured, pay your share before the company is
liable for their share, smaller potential claims are often
avoided.

What is the right deductible to carry? It depends not only on the
particular coverage but further on your willingness and ability
to pay the specified amount in the event of a claim. In other
words, select a deductible based on your tolerance for risk. Your
agent should be able to help you choose a deductible that is
right for you. Often, the decision is an easy one as insurers may
only offer a few choices in deductible for a specific coverage.

Typically, which type of coverage offers a deductible? The most
common type of coverage with a deductible is physical damage
(also known as comprehensive and collision). This is coverage for
your vehicle itself. For damage caused whether or not at fault.
In many cases if you have borrowed money to purchase your vehicle
through a bank or credit union, the lien holder will require that
you carry this coverage. This coverage is usually required in the
event any damage occurs while you are still paying for the
vehicle. Typical physical damage deductibles are $250, $500, and
$1000. Higher deductibles will reduce the cost of your insurance
by lowering your premiums. When evaluating higher deductibles, it
is a good idea to consider carefully your circumstances. Ask your
insurance provider for quotes for various deductibles, and
analyze them carefully before making a decision. The higher the
deductible is on a specific coverage, the lower the premium for
that coverage. This is a great way to save on the total cost of
your policy. For example, increasing your deductible from $250 to
$500 could reduce the physical damage portion of your policy from
15% to 30% depending on your insurance carrier.

Another type of coverage typically offered with a deductible is
Personal Injury Protection or PIP. This coverage is also
sometimes referred to as No Fault. “No Fault” insurance is a
general term that is used to describe any auto insurance system
that not only requires drivers to carry insurance for their own
protection, and places limitations on their ability to sue other
drivers for damages. In an accident, under no fault laws, your
auto insurance company will pay for your damages (up to your
policy limits), regardless of whom was at fault for the accident.
Any other drivers involved will be covered by their auto
insurance policies. Not every state requires this type of
coverage. No Fault is required if you live in: Florida, Hawaii,
Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey,
New York, North Dakota, Pennsylvania, Utah or D.C.

No Fault is usually offered with or without the option of a
deductible. You can choose to purchase this coverage with a
deductible if you want to absorb some of the risk as with other
coverage such as physical damage. As with physical damage, the
higher the deductible, the lower the premium on the No Fault
portion of your policy. Your agent may recommend taking a
deductible on your No Fault if you have health coverage elsewhere
since you can only make one claim on any one injury. Some health
insurance policies exclude automobile accident so it may be wise
to check with your healthcare provider to make sure you are
covered if you decide to go with a deductible. Common deductibles
options on No Fault are $0, $250, $500, and $1000.

So, what does a parent think while sitting in the passenger seat
and their teen is driving with a permit license? A “bump” in the
parking lot with another car? Traffic tickets for moving
violations? Insurance rates sky-rocketing?

If you visit search engines you can find several resources to
assist you on this subject. Try searching on the phrase “parents
with teen drivers”. Alternatively we have tried to make this easy
for you if you visit our news page on this very topic.

A few resources on the web for parents are:

Parent-Teen Contract

You might also consider using a driving safety contract between
you and your teen. This is an agreement that your child signs, in
which he agrees to be a safe driver by following all restrictions
you have imposed or risk losing his driving privileges. An
example of this can be found at:
http://www.ipromiseprogram.com/

Talk It Out

Work with your teen driver to talk through their thought process
while driving. Let’s not over-do this to the point that they
cannot concentrate on driving. More specifics can be found in the
book for parents at: http://www.safeyoungdrivers.com/

Helpful thoughts for parents in brief are:

Drive by example
Watch your emotional response while your teen is driving
Work with your teen on various driving conditions, not just dry
sunny days.
Large open fields or empty parking lots are good sources for
practicing
Of course while you’re working with your teen driver and their
permit license, we have to keep the drivers around us in mind
too. Auto Safety Magnets has a focus strictly on car safety for
teen drivers, their parents and driving schools. Our magnets will
increase road awareness and traffic safety. Help keep the roads
safe for you and other drivers. We invite you to sign-up for our
free newsletter covering Driving Schools, Car Safety and Teen
Drivers at our website.