Posts Tagged ‘Insurance’
No less than three New York senators are debating the New York Department of Motor Vehicles decision to ban vision tests, when drivers renew their licenses. This change went into effect at New York DMVs across the state this past Wednesday.
In New York State, driver’s licenses must be renewed every 10 years or so, depending on the circumstances. With DMV currently planning to drop the need for an eye test during a driver’s license renewal, Senator James L. Seward, R-Oneonta, states DMV is being reckless. Obviously, during the years between renewing the license, there is plenty of time for the driver’s vision to change.
Spokesperson for DMV, Jackie McGinnis, disagrees. According to McGinnis, DMV has carefully researched the issue and considered the potential outcomes that could result.
During the years between 1993 to 2000 drivers were not required to be tested for vision. According to McGinnis, there were no negative outcomes regarding traffic safety.
The Senators that expressed concern over the issue have come out against the change. However, neither of the two Onondaga County senators has yet taken a stand.
A solution to find a medium between the customer convenience offered by DMV and public safety is currently being researched by Senator David Valesky, D-Oneida.
In the past, each New York State driver was required to take a vision examine at the DMV when renewing their license. The driver also had the option of submitting the results of their vision exams that were performed by their physicians.
With the change, vision exams are no longer necessary, and the only requirement is for the driver renewing their license to certify that they are not suffering from any vision problems. The driver also self-certifies that they are not suffering from heart ailments, hearing problems and other medical conditions that could impair their driving ability.
The change does not apply to those that hold their commercial license, and they will still need to take the medical and vision exams each two years when renewing their license.
Spokesperson for DMV, Jackie McGinnis, claims that the agency decided upon the change in order to offer drivers the availability of renewing their licenses online.
In the United States, there are currently 14 states that do not require vision
Poor Pay More For Automobile Insurance May Get Worse Treatment/Benefits
When applying for car insurance, an applicant’s job may be a major factor in determining premiums.
When applying for car insurance an applicant’s job may be a major factor in the premium amount quoted. A recent article in theNewspaper.com concluded that individuals who lack fancy job titles could pay over forty percent more for car insurance. According to the article, a âdiscountâ insurer quoted a janitor who only had a high-school diploma an average of forty percent more for car insurance than a college-educated attorney.
The news for those in the lower-paying blue collar or service industry jobs may even be worse. Applicants with lower incomes are more likely to be lured by automobile insurers that promise cheap premiums. But those same discount insurers may also provide the worst services and lowest benefits when it comes time to settle motor vehicle claims.
Annual surveys conducted by the Nebraska Autobody Association are designed to identify the best and worst insurers by having collision repairers rate insurers on the types of repairs insurance companies authorize and how insurance companies treat their customers. These surveys have repeatedly revealed a vast discrepancy in the benefits provided to claimants. Results of the association’s 2005 survey revealed that on a scale from one to ten, with ten representing the best rating, insurer averages ranked from a dismal 2.3 to a respectable high of 8.6 with discount insurers rating near the bottom.
âWe would not expect to find such drastic discrepancy in a regulated market,â said Norbert Zaenglein, Executive Director of the Nebraska Autobody Association. Market conduct regulation for collision repair in Nebraska is practically non-existent and the Department of Insurance simply looks the other way,â Zaenglein added. âLinking education or job title to claims severity is just another way of exploiting those groups who can least afford to be exploited.â An independent exposé of widespread insurance abuses in Nebraska will be published in a book later this year.
An automobile is a major investment and automobile insurance shields consumers against unexpected expenses, such as repairing an automobile after an accident. It is important for consumers to understand that each insurance company has its own claims handling practices and those practices arenât always consistent with promises made in the policy.
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New York Drivers Can Save on Auto Insurance and Reduce Points By Completing the DMV-Approved Online Course at DefensiveDrivingDiscounts.com
New York Drivers Can Save on Auto Insurance and Reduce Points By Completing the DMV-Approved Online Course at DefensiveDrivingDiscounts.com
New York Drivers, receive a minimum 10 percent reduction in the base rate of automobile and remove as many as 4 points.
New York drivers can now complete the recently approved defensive driving course online at DefensiveDrivingDiscounts.com. Upon completing the course, drivers receive a minimum 10 percent reduction in the base rate of automobile and motorcycle liability and collision insurance premiums each year for three years.
Completing the New York point and insurance reduction online defensive driving program will also remove as many as 4 points from drivers’ official New York DMV driver record. Visit DefensiveDrivingDiscounts.com today to register for and complete your course online.
The New York State Department of Motor Vehicles (DMV) approved the American Safety Council’s online defensive driving course for its Internet Point and Insurance Reduction Program (IPIRP) on Monday, May 18, 2009. Previously the course was available only in a classroom.
dmv driving records
Local insurance experts recognized as leading small business.
(PRWeb August 21, 2011)
Read the full story at http://www.prweb.com/releases/2011/8/prweb8732892.htm
4SafeDrivers.com Provides Colorado Residents Easy Access to Driving Records “4SafeDrivers.com- A Comprehensive Guide to Colorado Driving Records”
“4SafeDrivers.com- A Comprehensive Guide to Colorado Driving Records”
4SafeDrivers.com now offers driving records access to Colorado residents. http://www.4SafeDrives.com is an online portal offering valuable driving information to local residents; driving records, an auto insurance comparison guide and portal, employee screening access for employers and even comprehensive information about available driver’s education courses.
While many Colorado residents request their driving records when something needs to be addressed, those that understand the true value of accessing this information do so regularly.
An individual’s Colorado driving record contains information about driving violations and/or suspensions, listing information about each infraction individually. While the Department of Motor Vehicles works to ensure that this recorded information is accurate, in many cases an individual’s driving report contains inaccuracies.
For example, tickets that have been paid may not be removed from the driving record, causing your annual auto insurance rates to be higher than necessary. Driving record inaccuracies can also become detrimental during a job search, as information contained on a Colorado driving record is used as a gauge the individual’s risk as a potential hire.
Information presented on the 4SafeDrivers.com website simplifies the process of obtaining one’s driving record. From the home page, visitors simply click on the state of Colorado, fill out a one-page form, submit payment and their driving record information becomes available.
In addition to Colorado driving record information, 4SafeDrivers.com visitors will have access to an auto insurance resource center and business platform offering the ability for employers to pre-screen applicants. The auto insurance resource center provides visitors with an auto insurance buyer’s guide and the ability to quote premiums amongst the nation’s highest ranked insurance companies. For businesses looking to pre-screen potential hires, access to driving record histories as well as criminal histories is available when a private business account has been established.
4SafeDrivers.com is a comprehensive online resource for individual drivers as well as employers. Employers seeking to complete comprehensive employee screening can locate employee criminal and driving records simply and easily! Driving record information, defensive driving course overviews and availability, information about online driver’s education courses and auto insurance quotes and comparisons are at the touch of the website visitor’s fingertips.
Posted On: Cartersville, GA August 16, 2011
If you are visiting the U.S. for the first time or are not aware of the U.S. driving rules then you have come to the right place. Here you will learn the important basics, which will guide you so that you may drive America’s roads legally and safely. Other than the safety laws, it is also important to acknowledge about temporary insurance and international driver’s license so that you prepare yourself completely, before getting behind the wheel.
First of all it is important to know that in the U.S. every state has its own road rules. You can easily find some different laws among the 50 states but it can be said that most of the rules do not vary among them. If you are concerned about speeding, then you would like to know that the maximum driving speed limit in most of the states is 65 mph. This speed limit shouldn’t be considered over the road signs, indicating lower speeds.
Moreover speeding, age limit is also a factor to take in notice. In majority of the states, the minimum drivers’ age limit is 16 but some states do not allow drivers under the age of 18 to drive during certain times of the day. Seatbelt requirements in the U.S. should also be acknowledged as they may be different than the requirements implied by other different countries. Most of the states have enforced the driver and front passenger to fasten seat belts. Not only front passengers, but children should also be protected by seat belts. Some states’ road laws have made it compulsory for the drivers to install a special child restraint for the protection of minors.
If you are reading blogs to avoid heavy penalties, then make sure you avoid these two acts while on road; firstly, do not drink when driving, it is strictly prohibited in every state, with the maximum BAC allowable .08. Secondly, be known that the speeding limit can lower to 15 mph if you are driving in a school zone. It is not necessarily written anywhere, but the obvious way to recognize the condition is the time when you see the warning lights flash. Lower your speed as soon as you see the warning or get ready for a huge penalty. Other than lowering the speed, law also enforces traffic in both directions to stop for the benefit of school busses.
Once you are aware of all the safety rules, other things which may stop you from driving in the U.S. might be vehicle insurance and driver’s license. Usually both the things are not that difficult to attain but when a person is visiting a country temporarily, then it is fair for him to struggle for them. But that is until he is aware of the temporary car insurance and international driver’s license. If you are planning to visit the U.S. or temporarily solve the license and vehicle insurance ordeal then considering both ways is the best move you would make. A temporary insurance might be available for a time period ranging from 1 day to 28 days; this fulfills one requirement, applying for international driver’s license has nothing to do with the word “new”. It has the same normal licensing procedure.
Of course, it takes a lot of patience and energy to drive after a long flight and double the efforts when they are performed in a place where you are visiting for the first time. It is suggested that get some rest before taking over the wheel. Also remember that overtaking is not prohibited in the U.S. Other important thing to remember is that you have to drive on the right hand side of the road and you do that while being on the left hand side of the vehicle. The difference felt will be the distance on the left hand side while the car’s width will be on the right hand side.
Getting auto insurance isn’t an option when you are driving the streets, mainly because you have to be able to cover damages you cause on the roadways. If you aren’t insured, not only
do you incur extra damages, but you are causing others to as well. If you are looking for an insurance rate that offers something more reasonable to your budget, there are many things
that you should be considering, as well as checking into before you commit to any policy.
The first thing you ever want to do when getting auto insurance is to ensure that you are aware of the rates offered and the companies offering these rates. Also, you should be well
aware of your state guidelines regulating auto insurance and what you are required to hold as a driver. Getting free insurance quotes is important to you as a consumer as they provide you with a better idea of just what costs you will incur with each company, allowing
you to choose between each better.
Something to remember is that different companies may offer lower rates, but not the coverage that is offered with other policies that could be more beneficial to you in terms of covering your liabilities and damages.
When you are ready to get your insurance, a driving record may be requested by the insurance company, which is easy to obtain from top sources like 4safedrivers.com. The driver record will pretty much detail your driving past and alert the insurance company on
any risk that may be taken on by allowing you to carry a policy. The infractions present could easily cause rates to increase, so it is important that you are aware of what is present.
*Remember that there could be errors present that should be fixed as soon as you see them to ensure you are paying an insurance rate that you deserve and not something that is influenced by a mistake.
Getting an insurance policy online can be much easier than reporting to an office, and will most times eliminate the vehicle inspection, but you will be required to be aware of what is present on your driving record to ensure your rates are accurate. If you give the wrong
information, you could result with a higher rate later on, when you could have been accurate on the application and received the right quote from the start.
If you are currently required to hold SR-22 insurance for previous violations, remember that it will be difficult to find a good rate with most companies, but the same steps should be followed to get insurance as you may find that you get savings from some companies after all.
Is your insurance company ripping you off? Grab a pen and take some tips from us at 4SafeDrivers.com.
First, let’s define insurance in simple terms. Insurance is the exchange of money for the coverage of risk. Meaning, you pay a certain amount of money, and the insurance company covers you for a certain amount of risk. Whether you have your house, motorcycles, boats, or cars covered by your insurance company, it is important that you are getting the best deal out there.
Obviously some people choose to stay with an insurance company because they like their agent or have been with the company for a long period of time, surprisingly, the latter group is usually the one that is overpaying for their insurance.
On behalf of www.4SafeDrivers.com, let’s hand out a couple of tips on how and when to check for a lower rate, you can thank me later.
1) CHECK your coverage and read the paperwork. Are you overpaying for coverage that you don’t need? Example, having extensive jewelry protection if you are a single male or mold protection if you live in a brand new house (mold protection is expensive). Regarding car insurance, are you paying serious money for rental coverage when there are other cars available in your family available for your use. I bet some of you didn’t know that rental coverage only covers you for a small number of days only in the event of an accident, this is serious food for thought.
2) Is your driving record correct? When was the last time the insurance company ran your driving record to ensure that you are paying the right amount of money to correlate with the “risk” that they carry for covering you for? Insurance companies are frugal, there have been instances where customers have overpaid for insurance because an old ticket that may have been thrown out or expires still exsisted on their policy. If you dispute what they are charging on your insurance, you can get a driving record through www.4SafeDrivers.com and make 100% sure that you aren’t overpaying.
3) Get quotes, especially during your renewal period. In most instances, your insurance will rise during your renewal period, even if you haven’t had a ticket or an accident. Larger insurance companies, such as Progressive, have a larger amount of customers which allows them to spread risk more evenly, which in turn lowers the prices all across the board. Interested in getting a quote, follow the Progressive link from www.4SafeDrivers.com and get a quick quote. Getting a quote is not difficult, it only takes a few minutes, and you may be pleasantly surprised at how much money you could save.
Insurance is something none of us want to deal with, but at the end of the day, it is an expense that almost all Americans have to deal with. I have overpaid for insurance many times, and I make an effort to “shop” for new insurance every 3 months, if my insurance company is giving me the best rate, then I will stay with them, if not, then it’s time to break up with them and go with the cheapest. In this economy, none of us can afford to overpay for something such as insurance. Make sure you aren’t overpaying and get the best price possible, your wallet will thank you for it.