Reason to Buy Vehicle Insurance

Motor vehicles, in the USA and many other countries, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do ... Read More »

Do not attempt to drive your car without coverage

According to the government, driving is a privilege and not a necessity. Sadly, it is an essential need for many people who live in areas that are more rural and rely on driving as the only means of transportation. With the exception of New Hampshire, all states require drivers to carry some form of assurance or financial proof in order ... Read More »

Why bother to insure my car

OK EVERYONE WHY BOTHER TO INSURE MY CAR Without compulsory motor insurance, the decision to buy car insurance  is left to the individual driver. Many people think that their driving is safe enough, or that they don’t drive often enough or have a nice enough car to bother with vehicle insurance. However it doesn’t matter how good a driver you ... Read More »

Liability Insurance

Liability insurance covers the other car if you have an accident and you are at fault. Liability insurance is required by law in most states, so you must carry this coverage if you own and operate a motor vehicle. Each state will have a specified amount of coverage that you must purchase, so always know the laws where you reside. ... Read More »

Do you have to have insurance to drive somebody else’s car?

Anytime you are going to drive, whether the car is yours or someone else’s, you will need to be covered by car insurance. The car insurance can be your own, you can be covered by someone else’s policy, or you can buy non-owner’s car insurance. Whatever you do, make sure you are insured somehow before driving any car. Finally, make sure you have insurance before driving someone else’s car or vehicle. Read More »

CDW Insurance

  What does CDW really cover? Collision Damage Waiver (CDW or LDW in the US) does not equate to comprehensive car insurance as we know it in Australia – even when it is advertised as “fully comprehensive”. A waiver is a contractual term where the rental company waives its right to claim compensation from the customer for damage to the ... Read More »

Flood damaged vehicle advice

Flood damaged vehicle advice Modern vehicles can handle a wide range of operating conditions, but if the water has reached the lower levels of the doors do not attempt to drive it until a mechanic has checked it. Water in the components such as transmissions can quickly lead to expensive failures. Water in the cabin area can affect electrical systems ... Read More »

Stay safe and get things sorted

  Stay safe and get things sorted People first Your safety is most important, so make sure you, your family and your neighbours are OK. Get to a safe location. Property second If it is safe to do so, check the main structure of your car home or buildings for damage. Put out any small fires, clean up spilled liquids ... Read More »

How to prepare for Car insurance increases.

  How can consumers prepare themselves for car insurance rate increases? There are a few steps car owners can take in order to prepare for the oncoming increase in prices. One of the first things individuals should do is look over their existing contracts. Far too often, consumers accept a policy with a default deductible and coverage amounts, without taking ... Read More »

Uninsured Motorist Coverage

If you get into a crash with an uninsured driver, it’s likely that you’ll be dealing with someone who lacks (or is unwilling to disclose) financial means or proper identification, or is reluctant to undertake a task legally required by U.S. residents. In this case, uninsured motorist coverage is your best protection. If you don’t have uninsured motorist coverage, your ... Read More »