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Understanding Your Auto InsuranceBy Tom McKnight
Reading auto insurance policies can be like trying to decipher advanced calculus. It's really not that difficult if you understand a few basic terms. Collision, Comprehensive, Bodily Injury Liability and Property Injury Liability are the main terms you need to fully understand.
You'll appreciate Collision Coverage in the event you need repairs or replacements if your vehicle collides with another vehicle or property. The higher the deductible you elect, the lower your premiums will cost you. If you're at fault for something, well of course it would still be an accident, as I doubt you'd plan to run into that guard rail, but how much would you be able to afford to pay out of pocket for repairs? $250? $500? $1,000? Just like medical insurance, you'd have to pay that deductible amount first and then the insurance company would pay for the remaining charges for the repair.
Another term to become intimately familiar with is Comprehensive Coverage. This is the coverage that pays for damage caused from falling objects, fire, certain natural disasters, theft and vandalism. Deductibles work the same way as with Collision; the more out of pocket costs to you, the less your insurance premium.
In addition to knowing how much Collision and Comprehensive coverage you have, you'll want to know about your liability coverage. Let's say you rear-end another driver. Or your foot slips off the brake onto the gas pedal and you plow down a mailbox. Your liability coverage will kick in and pay for the damages that you caused with your insured vehicle. You liability coverage will, or could, include bodily injury (people) and property damage.
You don't want to go without Bodily Injury Coverage. If you were at fault in an accident and others involved needed to go to the hospital and/or lost wages from missing work, those costs would come out of your pocket if you are not insured with Bodily Injury Coverage. It doesn't take a genius to know how quickly those amounts can add up. This type of coverage can also help you in the event the other party takes legal action against you. Many states require you to carry Bodily Injury Coverage.
The other part of liability includes Property Damage coverage. Can you imagine how much it might cost should you accidentally drive into the side of someone's home? You wouldn't want to be caught without property damage insurance should you need to pay for repairs to another vehicle, building or anything else you might hit. As with Bodily Injury coverage, Property Damage coverage also helps protect you in the event of a related lawsuit.
Every policy will have its limits and various degrees of coverage. It's important that you understand the basics of what you are paying for and why it is necessary. No one plans for an accident, be prepared!
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The Car Sharing Shootout: Autoshare vs. Zipcar (Torontoist)
No, it's not carpooling. Yes, it can work for TTC users. And don't even mention the word "rental." Car sharing comes with its fair share of misconceptions, and the recent entry of U.S.-based Zipcar into the Toronto market creates further confusion.
DUI checkpoint set (Napa Valley Register)
Napa drivers had best not decide to drink and get behind the wheel of their car.
Insurance agency receives honor (The Findlay Courier)
Hosler-Corbin Insurance Agency was named one of Celina Insurance Group's Master Agencies. The designation is awarded to partners who display exceptional commitment to Celina Insurance Group and achieve superior operational results.
Slower drivers should move over for faster traffic (The Press-Enterprise)
Q: J. Francisco Ramirez suggested "slower traffic keep right" freeway signs are confusing. The Perris resident's question: Do I have to move to the farthest right, slowest lane even if I'm driving the speed limit, but being tailgated?
All for term, term for all (Business Standard India)
With insurers slashing term plan premiums by up to 40 per cent, this is an opportunity for customers to shift from their high-cost insurance policies.
Briefly in Tompkins (The Ithaca Journal)
Phil Shapiro will hold eight one-hour group folk guitar lessons Monday evenings starting Sept. 8 in the International Lounge of Willard Straight Hall at Cornell University. Registration is at the first lesson. Bring your own guitar.
College not just science, math (The Joplin Globe)
A textbook won?t be the most important part of Dana Robison?s college classroom this fall. His students will build their own long guns of choice in a gunsmithing course at Northeastern Oklahoma A&M College in Miami.
First American Title Insurance Company Chooses iRise to Visualize Business Transaction Systems (Centre Daily Times)
iRise(R), the world's leading visualization solutions company, today announced that First American Title Insurance Company, a subsidiary of The First American Corporation (NYSE:FAF) and America's largest provider of business information, has chosen iRise to visualize its software applications.
CarInsuranceList.com Works for Motorcycle Safety (Marketwire via Yahoo! Finance)
With gasoline hovering in the mid-range between $3 and $4 a gallon, American drivers are shifting their preference from gas-guzzling SUVs and trucks to smaller, more fuel efficient vehicles and to motorcycles, which return more than twice the fuel economy of even a small compact.
Travis County voting allows write-in picks (Austin American-Statesman)
Is it possible in Texas to vote for a write-in candidate with our new electronic voting machines? The only information I can verify in Texas is absentee voting, but not on Election Day. - J.K.
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