Excuses to Not Have Insurance

Have you ever wondered what goes through the minds of individuals who have a car but no car insurance? Do you ever let someone else drive your car? Have you ever wondered while driving if the person next to you has car Insurance? I think about it all the time. The truth is that there’s no real way to ever know who has insurance and who doesn’t have insurance until something drastic happens. I want to talk about some of the myths that I have heard either in person, on the radio driving or in court. Yes, I said court. You would be surprised of the responses someone gives a judge regarding not having car insurance.

One of the top excuses to not have car insurance is the mindset of not getting caught. If you have been in the car with someone without insurance you can normally tell by the way they’re driving. They are constantly looking in the mirrors, slowing down to avoid attention when they see a police car. As a car owner you should know that most states require drivers to have the states minimums for bodily injury and liability coverage to drive legally.

Another excuse is that their car is a piece of junk so no insurance is needed. Well, rather you think your car is junk or not they realize it or not the car gets you from one place to another. So, protecting your car is worth it. After all, working hard to purchase the car should give you the desire to preserve it? Just imagine your life without it. At the same time all vehicles require insurance no matter the condition.

You might hear someone say I have my own medical insurance and that should be enough to protect me if I get hurt. Personal insurance and car insurance are separate entities. If you think about it most people take out the bare amount of coverage on their jobs due to price. Do you realize when you’re in a car accident there are other cost involved? Will your work insurance pay for the ambulance expenses? These expenses can add up if there’s more than one car involved in the collision and it’s your fault. If you know you have the bare amount of coverage go ahead and get a quote for insurance that offers medical. That will give you one less thing to worry about.

I will never get sued is another saying people think is a reason to not have coverage for their cars. We live in a lawsuit happy society. People will sue you over the smallest of things and win because the either know the law or have a great lawyer. I learned from a popular movie that with the legal system that it’s not about what the crime is but rather what you can prove.

I got luck on my side. I can tell you right now that luck has nothing to do with someone wanting to steal, vandalized, or damaged your car. What happens if a storm comes and damages the car? Who pays for it? Can you afford to pay out-of-pocket expenses? Don’t risk the losses.

At the end of the day having a piece of mind is what comes when you’re covered. Great auto car insurance with a quality policy protects you against whatever may happen to you on the road.

How to Purchase a Used Automobile: Tips From the Auto Insurance Guys

These days, purchasing a new car requires a lot of money. For those looking for another option due to the financial output, shopping for a used car may be a good bet. Of course, a previously owned car, no matter how sleek and shiny may have hidden disadvantages.

Below find tips from some finely-tuned insurance professionals on how to go about the task of shopping for a used car.

8 Ways to Get a Good Deal on a Previously-Owned Car

• Decide How Much You Can Spend on the Purchase

Prior to shopping around for a good used car, do a personal financial tally. Then focus only on buys you can afford – whether via financing or full payment method.

• Choose the Right Kind of Vehicle

Unmarried people without kids do not need a big car. On the other side of the coin, married folks with children in tow could use a larger car. Recreational drivers, long-distance drivers and city or highway drivers have different needs as well. Assess your individual requirements, then shop for the car that matches them.

• Check Out Prices and Repair Frequency

Look online to determine what you should be paying for car makes and models according to year and usage. This search will also let you know what type of vehicles requires less maintenance work and what type has less mechanical headaches.

• Learn about the Car’s Past

Research a particular car’s history by putting in the Vehicle Information Numbers. This will get you to a full report about past collisions, owners and even recorded maintenance and repair jobs.

• Test the Car out by Taking it for a Spin

Drive your prospective car purchase over a calculated route that includes hills, bumps, curves and highway maneuvering. This way, you’ll get an idea how the overall driving ability is.

• Get a Professional Mechanic’s Opinion

Enlist your favorite mechanic in the decision by hiring him or her to inspect the car for surface problems that a layman like you may not be able to detect.

• Use Your Price-Negotiating Skills

Utilize the knowledge you have gained from all your research on the car to negotiate a price that fairly reflects its true value.

And Last But Surely Not Least

• Don’t Forget About Auto Insurance

Before completing the buying process, speak to an experienced independent insurance agent about insurance for the vehicle. After binding the policy, sign the contract, pay, and you are good to go. No worries about the possibility of no coverage on the road to home!

Now that you have a new (used) automobile take care of it with good maintenance practices and remember to keep driving safety a priority.

Happy driving!

Water Taxi Insurance – Something New?

You may have seen that there have been rather revolutionary methods of transport and commute in big cities. Many of the developments did not really last long as many setbacks had been found in them. So, for long, we have settled with the usual motorcars, motorcycles and the heavy vehicles as well. But do you know about the water taxi vehicles? Well, if you have been to Amsterdam, you would know that there is a chartered water ride in a boat that takes you around to some of the best spots in the cities. Based on a similar model, you can see that in some cities, the water taxi services are being launched. So, now, that the water cabs and vehicles seem to be taking a shape, it is also important that they are insured as well.

Surprising as it may sound, there are some companies which have sprouted up with the facilities primarily for the water vessels and boats. The boats are used by individuals and businesses for some of their specific purposes and reasons. The water craft vehicles need to be insured against some of the damages which may occur with collisions with other water vessels. The water vessels need to be insured against the other contingencies as well. So, the taxi insurance companies are also providing an insurance protection for the boats and vessels that have been sunk in waters. So, the owners of the vessels can also benefit from the compensation provided in the insurance programs and plans.

There is quite a lot of scope for the development of water taxi vehicles. In many cities, people have begun to comment that the water taxis will help people to commute from one part of the city to another. This means a greater level of convenience for the residents in cities and towns. In fact, in some cities in America and Asia, the local ferry services have been helping people in the commuting from one location or to cross the water bodies like the creeks and bays. So, such ferry services are quite similar to the water taxi services as well. They have to be insured as well against the probable emergencies and contingencies. The insurance companies will provide the required coverage for the accidents and people involved in the damages.

Be it watercraft vehicles or the water taxi ferry services for the people, they will qualify for the insurance benefits on some conditions and terms. One of them is that all the water vessels have to be suitably registered. The registration of the vessels makes it easier for the insurance services to be provided. Along with that, it is also important to register the businesses or firms which own the vehicles or the ferry services. If the companies are registered, there is a healthy chance that you can enjoy the water vessel insurance facilities in abundance. So, this means that water taxi and vessel insurance can come and provide many good benefits for the individuals vessels and the local ferry services as well.