California Is Cracking Down On Uninsured Motorists

By Norman Fernandez

Big brother is not playing games anymore. The State of California has implemented a new system whereby as of October 1, 2006, the DMV begin a systematic review of the 22.4 million private cars, light trucks and motorcycles registered in the state.

If your motorcycle, car, truck or other motor vehicle is found to be uninsured you will get a 30 day warning letter. If you fail to get insurance after that the State will suspend you registration. If you are found to be driving without a proper registration, your car can be seized by the State, and you can face fines of up to $1,000.00.

This is no joke folks. If you are driving around without insurance you will eventually be dinged.

Furthermore, insurance providers are now required by the State to notify the DMV if your insurance is cancelled or expired.

What does this mean to you? It means if you are driving around with no insurance you are screwed. The State will eventually catch up to you. The days of buying insurance to get your registration and plates, only to cancel one month later are over.

If you get into a motorcycle, car or other motor vehicle accident and have no insurance, you face losing your drivers license for up to a year, fines of up to $2,000.00, and the possibility of being hit with a civil judgment which requires you to pay for the damage you have caused.

The minimum liability insurance requirements in the State are presently $10,000.00 for property damage, $15,000.00 per person, and $30,000.00 per occurrence.

The purpose of the law is to supposedly make it fair to the people that do pay for insurance, and to drive down insurance rates. I agree that it is not fair that law abiding citizens pay for insurance while 15% of the people in the State do not, however, and as usual, the insurance companies will make out like bandits with this new law. I doubt seriously that insurance rates will go down.

As a personal injury lawyer I can tell you that it pains me to see someone get hit by an uninsured motorist so it is good that the State is cracking down on this issue. However to be really fair the State should force the insurance companies to lower their rates in return for this law.

There is one other thing to note; if you are uninsured and you get into an accident that is not your fault, no will only be able to recover out of pocket losses and that is it! To add insult to injury you could lose your drivers license for 1 year and have to pay up to $2,000.00 in fines for driving without insurance.

The bottom line; get liability insurance. The cost of not having insurance is much greater than the cost of getting insurance. If you cannot afford liability insurance; do not drive!

Norman Gregory Fernandez is a California lawyer who handles many types of legal matters. You can reach him through his website at http://www.norman-law.com

Flood Insurance Offerings Expanded

The Chubb Group has expanded the sale of excess flood insurance to homeowners in nine more states, including Connecticut.

New Jersey-based Chubb, which specializes in insuring high-end homes and their contents, already offered a primary flood policy to people who buy its homeowner policies. Primary flood insurance is typically bought instead of a federal flood policy and offers much higher coverage - up to $15 million on a home and its contents combined.

A Chubb customer who wants excess flood insurance doesn't need to buy the company's primary flood policy. But the customer must either buy a federal flood policy or accept a deductible of at least the federal policy's limits - $250,000 on the home and $100,000 on its contents.

Chubb's primary and excess flood policies have a broader definition of "flood" and as a result would cover more scenarios than the National Flood Insurance Program.

The federal insurance kicks in only when two adjacent properties that are normally dry are flooded, or when at least 2 acres are flooded. Chubb doesn't have that restriction. So if a single home in the mountains has a basement flooded by snow melting in the spring, it could be covered, said Peter Spicer, new-product manager for Chubb Personal Insurance.

The cost of Chubb's primary or excess flood insurance is generally several thousand dollars a year for $1 million to $2 million of coverage on a home, and for coverage of half that amount on the contents, Spicer said.

Home Owner and Car Insurance Quote

By Elizabeth Newberry

In the market for both a home owner insurance quote and a car insurance quote? Consider getting both quotes from the same insurance company.

You’ll most likely have the same agent. Getting the same insurance agent for your home owner insurance policy and your car insurance policy means you’ll only have to do direct business with one person. Plus, this person will know everything about both your home owner insurance policy and your car insurance policy. For example, if you have a question about your car insurance policy, or you call to make additions or subtractions to your home owner insurance policy, your insurance agent will be able to remind you that it’s also time to renew the other policy.

You’ll be familiar with the company. Being familiar with an insurance company, the way in which they do business, their policies, and their procedures is more beneficial than you realize. There are usually no surprises when you’re familiar with the insurance company. Some insurance companies even offer discounts to policyholders who have been with their company for a certain period of time.

You’ll save money. Most insurance companies offer discounts if you purchase more than one kind of insurance policy from their company. Who couldn’t stand to save a bit of money, especially when it comes to insurance costs?

If you’re looking for a car insurance quote and already have home owner insurance, check with your home owner insurance company about purchasing getting a car insurance policy quote from them, too. The same applies if you’re looking for a home owner insurance policy quote. If you already have both kinds of insurance policies from different companies? Ask each company for a home owner insurance quote and car insurance quote, and then choose the best deal. And remember – always ask about the discounts you can get for a home owner insurance quote and a car insurance quote from the same company!

To get free quotes and learn more about insurance please visit the following recommended sites.

Home Owner and Car Insurance Quote

A Must Buy For the People of UK: Cheap Car Insurance

Many people in UK find their car insurance bills too high and therefore they are always worried while paying their car insurance premiums. Here, there is the need for a cheap car insurance policy in UK. If searched thoroughly one can easily avail a cheap car insurance policy from the markets of UK.

Some people assume that cheap car insurance means that only the minimum requirements will be fulfilled by the policy or that some coverage options will be excluded. It is important to keep in mind that this is not the case. Cheap auto insurance refers to insurance that is provided at a discount rate. Many insurance companies are expanding their business to a large extent. By giving discounts on car insurances, they hope to increase the sale of other insurances like home, life etc. So, cheap car insurance in UK is not a myth but a reality.

Apart from a thorough search many factors determine the rate of premium of your car insurance policy. Giving importance to all these factors can visibly lower your rate of premium and you can easily get hold of cheap car insurance in UK.

Many insurance companies in UK give discounts to the driver that has a good record in driving. So it is important for you to have a good record. Apart from that if you have taken up driving courses, mention it to the insurance company. Many a times, it is seen that the insurance companies give discounts to the one who had taken up these driving courses. Apart from all these, install some safety features in your car; by doing this you can lower the rate of premium and thus can avail cheap car insurance in UK.

A thorough research is what is needed in availing cheap car insurance in UK. It is one of the simplest things to look around a bit; instead of going to your old insurance company again and again. You should compare the different car insurance policies available in the market of UK. Using the internet as a resource tool you can also save a few bucks. It is easy and a convenient method to shop around for your car insurance policy in UK. By visiting various websites you can easily find out which car insurance policy will suit you the best in a few seconds. Thus buying cheap car insurance will no longer be a daunting experience for anyone.

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Insuranceb.co.uk endeavors to find the best possible deals for its customers. To find cheap car insurance in UK, Home owner insurance, Van insurance, Motorcycle insurance, Holiday insurance, Pet insurance in the UK visit http://www.insuranceb.co.uk