Car Insurance Minimums By State
Nearly every state in the U.S. has a minimum auto insurance coverage requirement for drivers. Only residents of New Hampshire, the “Live Free or Die” state, can drive legally without paying for car insurance. Liability insurance is the minimum auto insurance coverage required by many states, but coverage requirements vary from state-to-state. For example, the state of Wisconsin requires drivers to carry liability, uninsured, underinsured and first party medical expenses coverage.
Understanding liability coverage numbers
Liability coverage is often expressed as a set of three figures, such as 25/50/25 or 10/20/10.
Today’s News: Trends Impact Home Insurance, IIHS Warns of Low-Speed Vehicles and Technology Could Lower Life Insurance Costs
While recent trends in the world of home insurance appear to be increasing costs for homeowners, new technology in the world of life insurance could lower costs. Also, the Insurance Information Institute is warning drivers about the dangers of low-speed vehicles on the road.
Trends in Home Insurance Are Affecting Costs
New issues in the world of home insurance, including living in coastal areas, lower home prices and credit scores, have an effect on prices in the industry.
Allied Auto Insurance
Senior citizens have the most fatal and incapacitating car accidents as well as the most crashes per mile they drive, according to MSN Money’s “For seniors, wrecks are more severe.” While older drivers are quick to point out that their competence behind the wheel should be the important factor in how long they should drive rather than their age, statistics show that older drivers are involved in the worst crashes. Researchers are hoping to find a way to keep older drivers safer on the road to reduce the number and severity of car accidents. Since they don’t drive nearly as much as younger drivers, they aren’t causing the most accidents. But when you look at the accidents per mile they drive, that is the shocking statistic.
Allied auto insurance and other car insurers are interested in this research about senior drivers because a higher and more severe accident rate means money to car insurance companies. Almost half of the seniors interviewed said that they drive almost every day. They are driving fewer miles overall and less than half of the seniors drive at night or on the highways. They reported having trouble judging the speed of oncoming traffic, which explains a high instance of left-turn crashes in senior drivers. Some recommended steps to help older drivers are to install more left-turn arrows at busy intersections, increase the size and font of road signs, and look into the driver’s license renewal process. It might benefit many drivers to include a mandatory education course every so often.
Insurance for Two: Travel Coverage when Pregnant
While many doctors may advise a pregnant woman against travel in the very early or very late stages of pregnancy, travel during most other times should be relatively risk-free. International travel medical insurance typically does not cover pregnancy.
However, some plans such as the Atlas Travel Series provide coverage up to a certain point of the pregnancy. The Atlas Travel Insurance plan provides coverage up to the 26th week of gestation. But it is easy to mistake the term “weeks of gestation.” What exactly does it mean?
The gestational age of a fetus is calculated from the first day of the last menstrual period of the mother. The Read full article…
Volkswagen Passat named “Top Safety Pick” for 2010
Top Safety Ratings May Help Reduce Low Car Insurance
The 2010 Volkswagen Passat has earned itself the honor of being named a “Top Safety Pick” in the midsize car class by the Insurance Institute for Highway Safety. The Passat procured the title by receiving the highest rating of “Good” in each category and overall in the frontal offset crash tests. The Passat sedan, wagon, and CC models were all included in this rating.
Earning this title should be no surprise given the abundance of safety and insurance features that exist on the Passat. Four wh