Benefits Of Pay-As-You-Drive Insurance
Usage-based insurance may also be called pay-as-you-drive insurance. It is based on a driver's vehicle, the distance driven, the time spent driving and the driver's behavior. When compared with traditional insurance, this type of coverage is much different. Traditional insurers attempt to reward the drivers they classify as safe, and their assessment is based on past documentation and the individual's record. The new method uses current behavior instead of past patterns. With the traditional method, drivers must wait longer to establish themselves as safe or reckless drivers. However, the new method does not require as much time for drivers' ... Read More
Can I Borrow Your Car — And Your Insurance
"Bill, can I borrow your truck? I have to pick up a new mattress.” Questions like this are routine. Friends and neighbors borrow and lend their vehicles. College roommates borrow their friends’ cars. Six cars are parked in a driveway at a party and one needs to be moved so another car can pull out. The owner tosses someone the keys and tells him to move it. When situations like these end with an auto accident, whose insurance pays – the owner’s or the borrower’s? In general, the vehicle owner’s policy is primary and pays first in the event of a loss. If for some reason the owner’s policy does not cover the loss or provide enoug... Read More
What is your Earthquake Risk?
In some areas of the country, the risk of an earthquake is never far from people's minds. In areas along the San Andreas Fault line in California, the earth has a way of nudging people awake if Californians ever feel complacent. But Americans have been relatively lucky in the last hundred years, as truly devastating earthquakes on the level that we have seen in recent years in China, Mexico, Japan and Haiti, involving thousands and even hundreds of thousands of deaths -have been rare. That's due to a combination of strenuously enforced building codes - and pure dumb luck. Yes, we have had several quakes of 9+ magnitude strike sparsely-p... Read More
Don’t Let Obsolete Driving Techniques Put You in Harm’s Way
It can be hard to hear your kids call your beloved television show reruns, choice of music, hairstyle, and/or clothes old school, but you'll have to remember that you probably didn't exactly jive with your parent's choices either. While Elvis's Rubbernecking may forever play in your head and never become dated in your eyes, you should realize that your driving techniques may be one dated area truly in need of an update. The advances made to automotive technology and in safety research have likely made most of what you learned as a new driver not only dated, but dangerous. Here are six tips to bring your driving skills up-to-date and avoid ... Read More
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