Auto Insurance Law – Tips and Advice Related to Auto Insurance Law

Q My insurance company is balking at paying a claim because they say I was not supposed to be driving my wife’s car when I got into an accident. The agent told me when I bought the policy we would be covered in one another’s cars. Are there lawyers that specialize in auto insurance law for this situation

A Many states require that if you live at the same address you must be covered under each others policies. This is designed to keep people form not insuring family members that are driving a vehicle consistently.

In your specific situation it sounds like you were assured by the agent that you would be covered regardless of which car was driven by whom. In this case we recommend gathering every document you have that relates to your insurance policies.

It is especially important to write down, as close to verbatim as possible, what was said when you asked about being covered to drive your wife’s car. If there was someone else present when this conversation took place make sure you have them write down their recollection of this conversation as well.

Indiana Auto Insurance Laws

It is a common concern that automotive insurance are added costs, and will only take away the hard earned savings. But do remember that the insurance policies are needed expenses and needed safety nets on and off the road. Here is one good reason why you should not forego car insurance if you are in Indiana. Did you know that the cost of automotive insurance in the state is somewhat lower compared to the rates in other states This alone should allow you to face Indiana auto insurance laws in better light, and should motivate you to immediately get your own auto insurance policies.

Wisconsin Motorcycle Insurance Law Changes

We all know the cost of health care in the US has been steadily rising for the past couple of decades. In some states, the minimum liability insurance requirements have not been updated to keep pace with these inflationary costs. In Wisconsin, however, new legislation has recently been enacted which accomplishes two primary goals

1. Revise Wisconsin insurance laws that favor insurers over consumers

2. Provide greater protection for WI residents involved in accidents

These new laws fall under The Truth in Auto Insurance initiative. In the state, motorcyclists are required to carry motorcycle insurance if they plan to ride legally on the street. The legal mandate to carry insurance on all Wisconsin vehicles is aimed to decrease the percentage of residents who are underinsured or uninsured – currently about 10% of the Cheese State’s population.

DUI Auto Insurance – How DUI Auto Insurance Laws Differ Across the US

The DUI laws are surprisingly different across the United States; the main reason might be the attitude of the state, and the public awareness about this issue. While these laws are getting stronger in most states here is an overall summary of these laws in various parts of U.S.

The States having the A rating include the California, the mid west, and even the sunny Florida. The rating of these laws in these states is 10 to 12 in most cases, which is excellent. The majority of 52 States are in the second group with the B rating which is seen as yellow in most cases. This second group includes many States right from Alaska to the New York

One example of strict State is Connecticut, where the criminal proceeding is started immediately after injuring someone under influence. After the suspension of license, there is a fine that is imposed in here. If found guilty one can face up to 120 days probation and community service of more than hundred hours. The fine could be as much as $8,000 in some cases.

Understanding New Jersey Auto Insurance Laws

New Jersey is among the states with the highest death rates that are directly related to car crashes despite the fact that the roads here are very safe. New Jersey Auto insurance laws were intended to regulate the type of vehicular coverage that drivers get. You should know exactly what the law requires so you can get the right type of coverage that will guard against you incurring an enormous financial liability in case you become involved in a car crash that has resulted to serious bodily injuries as well as property damages.

New Jersey Auto insurance laws dictate that every driver should have coverage that will be able to pay for at least $15,000 for personal injuries inflicted per individual, $30,000 total personal injury liability per accident, $5,000 for property damages, and $15,000 personal injury protection.

You might be thinking that these provisions provided by New Jersey auto insurance laws would be sufficient in every case but unfortunately, it does not always end up that way. In fact, most of the time, the minimum insurance coverage required is not enough to pay for the total damages incurred by a driver. In order to guard against this possibility, you have to bump up your coverage a lot more than what the law requires.