Does My Insurance Cover Me if I Drive to Mexico?

Does My Insurance Cover Me if I Drive to Mexico?If your next vacation takes you beyond American borders, you’ll want to consider how this might affect your auto insurance coverage. For south of the border excursions, the U.S. State Department claims you should assume that your American auto insurance policy will not cover you for any traffic accidents that may happen in this region. To acquire proper coverage, you will have to purchase Mexican automobile liability insurance from an insurance company with proper authorization from the Mexican government.

According to the law in Mexico, drivers must be able to pay for all damages to the involved party when the accident occurs. Failure to purchase Mexican insurance can significantly limit your ability to pay for these damages, which AAA claims could even result in jail time while an investigation is being conducted. Although the consequences for not having Mexican auto insurance are harsh, the solution is relatively easy. According to AAA, you can purchase valid Mexican auto insurance fairly easily from a broker that sells it along the border. This is usually the most effective method, since you would not even have to cross the Mexican border to purchase the necessary insurance, which would drastically reduce your risk of getting into an uncovered accident.

Although Mexican law does not require you to purchase collision insurance, it is certainly worth considering to ensure protection on your vehicle in case of an auto accident. Collision coverage included in your American insurance policy may not cover damage that occurs while you’re in Mexico, so it’s important to understand the risk you are taking if you fail to purchase Mexican collision coverage. Some additional considerations to make when purchasing Mexican auto insurance is including coverage for legal aid and bail bond as part of your insurance policy. This may be necessary since Mexican law tends to assume that all parties involved in a crime are guilty until proven innocent, which could lead to your detainment until the police reach a consensus.

Is the Cheapest Type of Car Insurance Right for You?

Is the Cheapest Type of Car Insurance Right for You?Saving money on your insurance premiums is wise. Buying insufficient coverage just to save premium cost is not. Auto insurance coverage is not inexpensive and seems to consistently confuse shoppers. Those few remaining U.S. states that lack an insurance coverage requirement have financial standards that drivers must meet. Often, car owners need more financial assets than those who simply buy adequate insurance coverage in those states that accept no insurance protection.

However, if you are focused on obtaining the cheapest auto insurance available, you have some options. Understand that, in most U.S. states, insurance “follows the car.” Therefore, should you opt for the least expensive type of auto insurance, liability coverage, you may only be fully covered when you are driving your insured vehicle. Should you borrow a vehicle from a friend or family member and suffer an accident, the first line of defense will be the insurance (or lack thereof) on the borrowed car. Should you be deemed “at fault,” however, your personal liability coverage will probably be required to reimburse your friend’s company for paid claims.

The cheapest type of auto insurance coverage is liability. Do not misunderstand this statement, as liability insurance is not inherently “cheap.” Minimum state law typically requires, at least, liability coverage. Individual states determine he minimum limits each driver must carry. Common liability minimum coverages are in the $25,000 per person, $50,000 per accident (regardless of the number of injured persons involved), $10,000 property damage and around $10,000-$20,000 uninsured (or underinsured) motorist coverage.

Although the cheapest car insurance coverage, minimum liability policies are often insufficient for many drivers who have more valuable assets (homes, boats, bank accounts, etc.) to protect than the least expensive insurance can cover. Further, neglecting to purchase collision and comprehensive, e.g., theft, coverage will save you premium dollars. However, should your car suffer physical damage, broken windows or theft, costs to repair or replace your vehicle will come from your pocket and personal funds.

Liability-only coverage will be the cheapest coverage in all U.S. states. However, it may not protect you to the level you want or need. Yet, it will help. Something (liability insurance) is far better than nothing. Even if you seek the cheapest car insurance, shop via the Internet. Good options are often those independent agents with interactive websites that allow you to shop multiple companies and receive several quotes for identical protection.

Rewinding The Tips to Obtain Best Policy

Tips to obtain Best PolicySmart Shopping: You do not want to end up paying more than what is needed on your car insurance policy. To determine your premium, the best option would be to shop around, look for deals and select the one which suits your requirements. Though it consumes some time of yours, it still saves you a lot of money and helps you in finding the best policy. If you have chosen the right policy, then you can continue to be with the same insurance company for a long time and lead a peaceful life as your money is in safe hands and reaches you when needed. Along with signing a bond, ask for the service provided, claim process, benefits, reliability, efficiency and timely assistance, which are certainly of prime importance when any accident occurs.

Seek Unbiased Information: Get knowledge from where ever you can, be it many of those unbiased sources such as internet, libraries, state insurance departments, insurance publications, consumer groups and many more which forms excellent resources. You might be aware of insurance terms and other words used in their business, a little knowledge and a dig into insurance glossary can help you in many ways.

Choosing your deductibles: Deductibles are that amount when committed to it, you will have to pay much before your insurance company pays for it when any accident occurs. Comprehensive and collision coverages come as a deductible. By choosing deductible of higher amount you can reduce your premium rate considerably.

Keep a duplicate copy of your policy: Any unlikely event can destroy your home and the inventory list in your home. In order to fix the loss, it is always a good idea to keep a copy of your insurance and inventory list away from your home, either at bank or at a friend’s house who is trust worthy. Ensure safety and accuracy.

Driving Under Influence and It’s Effects

Driving under influence & it's effectsProtecting you and your family members from financial losses which occur due to an accident is possible by having a car insurance policy. The losses can be medical bills, car repair and other services mentioned in your policy. One major factor which determines whether car insurance policy will be offered to you or not, is when you commit an accident when under intoxication.

Hard Effects

Driving While Intoxicated (DWI) or Driving Under the Influence (DUI), a terminology used for drinking alcohol and driving. It has a simple fact behind that drinking and driving can result in death of yourself or other people on Nevada roads. Every state in US has brought out stringent measures and set a limit of 0.08% of Blood Alcohol Concentration (BAC) for those who drive under the influence of alcohol. Commercial drivers have a limit of 0.04% and for those who are below 21 age, the limit is set to zero and if found to cross the limits, will be arrested.

A DWI arrest can be very expensive and might lead to worse consequences where you can be put behind bars, have license suspended, heavy fine or even cancellation of license. If at all the DUI accident resulted in someone’s death, the end result is even worse. Strict measures over transportation of alcohol has been made where it has to be carried over in trucks and has to be sealed, if found having an alcohol bottle illegally and open, then get ready to face the worst of situation.

At every county, law enforcement officers have set up a check point to perform a thorough check on your vehicle and the driver. These check points are active all through out the year specially on weekends and holiday season. You could be stopped at these points and asked for many questions, and a sobriety test might be performed on you. If this test confirms that you are on high and under intoxication, you will be sentenced to jail.

Understanding No-Fault Insurance Benefits (Personal Injury Protection)

No-Fault Insurance BenefitsNo-Fault, also called Personal Injury Protection (PIP), pays for the losses up to $50,000 to individual person who is injured in an accident, be it a pedestrian, passenger or the driver. The purpose of Wyoming’s No Fault law is purely to restore health, assets and productivity, though slowly yet steadily for every individual who are hurt in an auto accident. It also ensures that economic losses are met and not exceeding the law’s benefits.
No-Fault is a coverage mainly to cover personal injury and not to pay for any car repair or damage to parts of vehicles or any personal property. No-Fault pays first for injuries when an accident occurs hence standing much before a health insurance.

Inclusions

Any basic No-Fault car insurance coverage includes:

  • Necessary and reasonable rehabilitation and medical charges related to an accident.
  • 80% of earnings which you have lost from work, pays up to $2,000 per month for 3 years, count starts from accident date; it also offers disability benefits on statutory offsets for Wyoming Worker’s Compensation, State disability, and Federal Social Security.
  • Pays up to $25 per day, from accident date up to an year, to reimburse necessary and other reasonable expenses resulted from an auto accident.
  • Death benefit of $2,000 payable to eligible person’s beneficiary who was killed in the accident.

However, a person will not be eligible under few car insurance policies for No-Fault benefits. If,

  1. DUI comes into picture i.e. a driver is under intoxication and accident occurs.
  2. Causing injuries intentionally.
  3. A felony committed and is injured.
  4. Injured when in a stolen vehicle.
  5. An uninsured vehicle is owned by you.

Give Room for Bicyclists

Give Room for BicyclistsA worst crash which ever happened between a car and a bicyclist occurred in U.S, since then both are at odds. When any car collides with the bicycle, the consequences of it is always worst for the bicycle rider. As per the records of National Highway Traffic Safety Administration, more than 750 cyclists were killed in road accidents and nearly 50,000 were injured badly in the year 2008. The accident rate was high majorly in urban areas usually in day time by evening. Sadly, most of the accidents occurred killed a child between age group of 10 to 15 years.

Safety Measures

Looking at the rate at which bicyclists accident was happening, Wisconsin state government rolled out few rules and regulations in order to avoid such incidents.

  • Maintain a distance of 3 foot between you and the bicyclist. Give them clearance.
  • When you take turns while driving, give yield to bicyclists the way you give it to a car.
  • Be very careful specially when driving by neighbor hoods or near by schools. Pave way for kids.
  • When moving your car from parking lot or while opening car doors, look behind for cyclists.
  • When you are driving behind a bicycle, slow down while taking turns at any intersection. Do not try to over take them. This might lead to a collision.

Measures to be Taken by Cyclists

  • Even the cyclists have to follow the same traffic rules as any vehicles. Ride in the same lane, check for signals, yield in a right way for other vehicles or bicycles and follow the traffic accordingly.
  • While cycling at night or in dark, wear reflectors or headlights. Ensure the headlights are clearly visible till certain distance for other vehicles nearing you.
  • Ride with a helmet.
  • Do always signal before you take turns.

The Price of Being at Fault: How Much Will Your Insurance Go Up if You’re In an Accident?

Raises Your Insurance PriceHere’s something you probably don’t ever want to think about. How much will your car insurance increase if you’re involved in an accident? Sure, it’s an unpleasant thought—but it’s something that you have to consider when you compare auto insurance premiums, if for no other reason than to make absolutely certain that you secure the cheapest deal possible. After all, what good are super low vehicle insurance rates if a fender bender will send them suddenly soaring?

The fact is, your car insurance premiums aren’t likely to go super sky high if you’re involved in an accident. But they can increase significantly, and painfully so if you’re already living on a tight budget. To find out what that amount’s going to be, be sure to read the small print on the policy to determine what the insurer’s surcharge schedule is. The average increase is somewhere between 20 and 40 percent if the accident is your fault, but since it’s up to the insurer the amount could end up being much higher or much lower. By performing a thorough comparison of surcharge percentages ahead of time, you could limit your financial exposure in the event of an accident.

But even if you’re able to ensure a low penalty surcharge by reviewing the fine details when you compare auto insurance plans, remember that you’ll very likely lose your good driver discount if you cause an accident. In some cases, those discounts can be pretty deep. Ultimately, the answer to saving money on car insurance is to drive safe and not cause accidents. If you can manage that, you’ll always find yourself in a good position to take advantage of low rates.

Preparedness of Pedestrians – Step With Caution in Tennessee

Be Cautious!People of Tennessee are busy with their work, earning dollars living behind their health. A physical activity is very much necessary for any human. With extravaganza life style, people are found driving expensive cars, eating more of junk food than healthy one’s which indirectly spoils their health. Instead of driving by car to work or near by super market, you can walk or ride a bicycle which not only saves fuel but also keeps you fit and healthy.

But let’s be cautious over pedestrian walking. As per Insurance Institute for Highway Safety Statistics, In 2010, nearly 3,500 pedestrians have been killed in an accident. But let this not scare you and stop you from being a pedestrian. If at all, you are hit by a vehicle and the driver is found to be guilty, then his liability coverage under his car insurance policy will pay for your medical bills and will bare all your expenses. If at all the driver fails to have an insurance, then you need to have uninsured coverage under your auto insurance policy to pay for injuries else you will have to rely upon your health insurance policy if you own one.

Tips for Pedestrians

In order to avoid being a victim of a collision or an accident, it is always better to follow these basic tips as a pedestrian

  • Be it a busy road or a free run away, always cross the road only at designated crosswalks or pedestrian crossing.
  • Drivers usually fail to exhibit their driving skills though experienced at intersections. So be careful while turning to another street.
  • If you are walking at night, ensure to carry a flash light or wear reflective clothes giving clear vision to the driver.
  • Always walk on the foot path or side walks. While crossing the road, make sure there is zero traffic or cross by facing the traffic.

Signs You’re Dealing with a Stingy Insurer

Dealing with Stingy InsurerYou might know that you have plenty of resources at your fingertips to help you find fast and easy online quotes for car insurance, but how do you know when you’re overdue to compare auto quotes? That answer’s easy. Any time one of the following scenarios comes to fruition, you know it’s high time to shop around:

• A moving violation or accident has fallen off your record and your rates haven’t dropped.
• You’ve been with your insurer for a few years and are still paying the same introductory premiums.

Moving violations and accidents usually fall off your driving record after 3 years. The reason it’s important to track precisely when these infractions fall off your record is because their presence (as well as their absence) can have a significant impact on the amount of money you pay for auto insurance.

Remember, auto insurers aren’t complacent. They compete for your business—some better than others. A big part of this competition hinges on their ability to give you the most competitive rates around. If your current insurer isn’t on the ball ready to offer you lower rates, it’s time to compare auto quotes and see who is.

Can You Do Without PIP?

Include PIP CoverageComparing auto insurance can be a tricky proposition. It not only requires you to examine your driving habits, your finances, and your responsibility to others on the road – it also requires you to take a look at your healthcare benefits. According to auto insurance experts, determining your level of personal medical insurance could have a big impact on how much money you spend for car insurance. Here’s how it works.

Personal injury protection (also known as PIP) is an additional auto insurance option that pays for your medical bills if you’re injured in a car accident. But having this coverage could be entirely unnecessary if you’re already covered by a good medical plan. Still, before you opt out of PIP it’s important to bear in mind a few things.

• PIP might be required in your state, therefore opting out may not be possible.

• PIP also pays the medical bills of any passengers that you have in your vehicle with you at the time of an accident. But if you never carry any passengers, this is unnecessary coverage.

• PIP pays for lost wages if you’re unable to work for a certain amount of time due to your injuries, however depending on your employer you may already be eligible for extensive coverage in this area.

When getting a quote for auto insurance, first check to see if PIP is required by law in the state where you live. If it’s not, and if none of the additional coverages apply to you, you might be able to save a hefty wad of cash by opting out. Keep this in mind when comparing auto insurance as it could impact your estimate.