When it comes to auto coverage, broad form car insurance is a less expensive alternative because it simply covers one driver with the bare minimum of liability coverage. This means that any other person who drives your automobile is not covered. This form of coverage is only provided in a few states due to the high level of risk. Here are some of the major differences between broad form and full coverage insurance!
Some motorists in Illinois cannot obtain affordable auto insurance because they need SR22 insurance. Many people don’t understand auto insurance, which leads to inquiries like:
The border between personal and professional life can be blurry at times for small business entrepreneurs. When it comes to a vehicle that you’re using for personal and professional purposes, it’s crucial to understand how your auto insurer classifies commercial use. If your vehicle is insured under a personal auto insurance policy, the insurance company may refuse to pay for damages if it believes you were using the vehicle for business at the time of the accident.
It is prohibited for a driver to operate a vehicle while under the influence of alcohol, drugs, or both drugs and alcohol, according to most state laws. Drunk driving is defined as driving while inebriated with alcohol. Operating a car when intoxicated by drugs or both drugs and alcohol is known as drugged driving.
As you drive more, you’ll discover trends and similarities in the way other people drive. There are many different driving styles, but most fall into distinct groups with distinct characteristics. Here are three of the most common types of drivers you’ll come across on the road!
Every year, millions of people in the United States receive traffic citations for offenses, ranging from speeding to driving while intoxicated (DUI) or failing to stop at a traffic light or stop sign. It’s not always easy to keep a clean driving record. To keep track of transgressions, many states employ a point system. The larger the number of points, the more serious the offense. Of course, amassing a large number of points for a series of minor infractions over a short period of time isn’t ideal, either. If you accumulate too many points, your driver’s license may be suspended. You may pay more for vehicle insurance if you have a lot of points on your driving record. No points, on the other hand, equates to what most people refer to as a “clean driving record.” Here are some tips on how you can clear up your driving record after a DUI.
Liability, collision, and comprehensive coverage are the three basic components of auto insurance that most people are familiar with. In the event that you cause an accident, your liability coverage covers personal harm and property damage to others. Your collision coverage aids in the repair of your car following an accident, while comprehensive coverage aids in the repair of damage not caused by colliding with another vehicle or immovable object.
Collision coverage is the element of your insurance that where you reside affects most because it deals with “environmental” damage. Here are the reasons why where you live affects your car insurance rates.
It doesn’t matter if a party has delectable pastries, a fantastic DJ, or outstanding entertainment—if one of your guests is hurt, your event becomes a tragedy. If you’re organizing a holiday party or hosting a dinner, making sure your guests are pleased, well-fed, and safe are your top priorities. Unfortunately, when there’s alcohol involved, guaranteeing guest safety isn’t always straightforward. If you serve drinks at your party, some of your guests may end up a touch tipsy by the time they’re ready to drive home. To help keep your guests safe, implement these five ways to prevent drunk driving at your holiday party!
The majority of individuals rely on their automobiles for transportation. Whether for a DUI conviction or for accumulating too many traffic infraction points, a suspended license is at the very least inconvenient. For many drivers, not having a license could mean losing their work, failing to graduate from college, or being unable to transport their children to and from school.
But don’t go ahead and get a bus pass just yet. A “limited” or “hardship” license may be available to you. A limited license permits a driver to travel to and from specific locations when their license is suspended. Here is what you can and can’t do on a restricted or hardship license!
It’s a familiar scenario: your car is being repaired at the mechanic’s shop and you have no way of getting around. Or maybe you’re visiting home from college and want to meet up with some buddies, but you left your car on campus. Should you borrow someone else’s car? What if you’re involved in an accident—will your insurance still cover you? And should you allow someone else to borrow yours?
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