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DUI Penalty In Palm Beach: What Is It All About?

Reader’s Question:

I know someone who had been charged with DUI offense. If proven guilty what DUI penalty would he get here in Palm Beach, Florida? Does a DUI offense have serious punishments? I’m totally clueless about DUI stuff I’m hoping someone can help me. Also, can you tell me how to get cheap DUI insurance?

Georgina

Palm Beach, FL

I’m hoping that you’re not the one who needs to get cheap DUI insurance. Well, as to your question, DUI penalties in Palm Beach, Florida are as follows:

• Fine of $250 to not more than $500;
• Jail time of six months, this may change to nine months if a minor is present at the vehicle at the time of the incident, or the BAC is .20 or higher;
• Vehicle may be impounded for 10 days provided that the family has other means of transportation;
• Operating privileges suspension for 6 months;
• Either community service for 50 hours or opt to pay $10/ hour for community service supposed to be rendered;
• Completion of a DUI program;

Those are pretty serious DUI penalty right? So don’t you even think about getting drunk and hitting the road. As to your second question on how to get cheap DUI insurance, it would be quite a challenge to get one. It’s a fact that DUI insurance rates are astronomical. But you can still get affordable DUI insurance. Here’s how:

• Shop around for DUI insurance, never be contented in getting just the first DUI insurance quote that you got.
• If you are a student, getting good grades could probably give you good student discount.
• Cut on your driving miles to possible get a discount for low driving miles.
• Installing safety devices on your car could also give you affordable DUI insurance
• Improve your driving record and as much as possible maintain a good driving record.

For more information about DUI penalty and DUI insurance, you can also ask your auto insurance agent.

Cheap Car Insurance In Palm Beach Florida

Reader’s Question:

I purchased an older car that I need to insure and I may have to get help from a car insurance broker. Will I be able to get cheap car insurance here in Florida with the help of a broker? If so, what are the things that I have to consider when getting a car insurance broker?

Carina

Palm Beach, FL

A lot of car owners think that they can be able to save time and get cheap car insurance in Florida with the help of a car insurance broker. A broker does not represent a single car insurance company so he/she is open to check out quotes from different insurers. This way, the car insurance broker, would be able to compare the quotes he/she gets, having better opportunities to get cheap car insurance in Florida. So with just one phone call, you can get the help of a car insurance broker and have him/her acquire numerous quotes from different insurers for you.

In your search for cheap car insurance in Florida with the help of a broker, you have to consider a lot of things. Part of this would be the kind of lifestyle that you have, e.g. if you have recently moved or had a birthday. You could be able to get some discounts for that, thus having cheap car insurance in Florida.

Since the car that you purchased is older, keep in mind that you don’t need the amount of coverage needed for newer cars. You can ask your car insurance broker as to how much insurance coverage you need for your older car. You may also opt to get higher deductible because this is one of the better ways to get cheap car insurance in Florida.

Tags: car insurance, car insurance broker, car insurance companies, car insurance quotes, cheap car insurance

Auto Insurance Palm Beach Florida FL

Reader’s Question:

My friend went to a car rental last week since her car broke down which she is still using until now. And in the car rental, she was given a waiver, is that something like a car insurance and just different style? How can one still be insured even if they just borrowed a car here in Palm Beach, Florida?

Kim

Brandon, FL

Cars nowadays are necessity it is hard sometimes for us to go to a short or long distance place without it. This is the reason why in the State of Florida there are a lot of car rentals. But it is still advisable for a driver with rented car to have a Car Insurance policy.

Car Insurance Companies usually offer a Non-Owner Policy for those who doesn’t have a car of their own and usually borrow or rents a car. This policy pays for the injuries and damages that you have incurred to the other driver in case you are driving a borrowed or rented car but this policy doesn’t pay for your own injury and damages. Car Rental agencies in Palm Beach, Florida usually offers a Collision Damage Waiver and Liability policies but this is not an insurance, it just an arrangement that the certain car rental agency will relinquish its right with certain exceptions and to pull through from the borrower the cost of damage to the car. If you have your own car insurance then it might already cover the damage to the rented car though your policy might have its own limit that might be smaller than the worth of the rented car. If your car insurance has a low coverage limit then you might as well increase it. Your car insurance might have a higher premium but then again it is cheaper than buying the additional coverage from the car rental.

Tags: auto liability insurance, car insurance, collision coverage, comprehensive coverage, rental car insurance

Rental Car Insurance Palm Beach Florida FL

Reader’s Question:

Will my car insurance coverage here in Palm Beach, Florida extend to a rental car? If the money I paid for a rental car already includes insurance and I get into an accident, which insurance will cover the damage?

Agustín

Palm Beach, FL

The collision coverage in your own car insurance policy in Palm Beach, Florida would probably provide coverage for damage you cause to any vehicle that you drive, as well as a rental vehicle. But a lot of car insurance policies state that your personal collision coverage is “excess” to whichever coverage, which means that any coverage you purchase from rental vehicle company come in first. Furthermore, your personal collision coverage needs you to pay a deductible and your insurer pays the remainder up to your coverage limit.

The comprehensive coverage would probably extend to whichever rental vehicle you’re driving and provide coverage for theft, vandalism, storm, etc. Also, your own comprehensive insurance is excess and you have to shell out some amount for your deductible.

For an accident in which you were at-fault, your auto liability coverage would pay for the damages you bring about to another person/s, as well as any medical bills from your carelessness. The liability coverage would pay up to the maximum value of your policy and in case you are driving a rental car when you got into an accident, your own liability coverage would also be excess.

Tags: car, car insurance, rental car insurance

Auto Insurance Palm Beach Florida FL

Reader’s Question:

I had a car accident the other night here in Palm Beach, Florida but it wasn’t I to blame. Of course, we filed a police report and I’m counting the other party’s auto insurance would be responsible enough to pay for the damage on my car. If the driver won’t initiate to tell his insurance company, can I call his insurer and tell them about the accident? Shall I also report this to my auto insurance company or let it pass since the accident wasn’t my fault?

Adan

Palm Beach, FL

Dealing with your own auto insurance provider after an accident could be aggravating and annoying. And picture out doing business with the auto insurance provider of another person who collided with your vehicle. Well, you have to keep your cool when you’re making a claim with the auto insurance provider of the other driver who was at fault. That driver should be accountable for telling his insurer about the accident. But it would be a good idea to contact his insurance provider since at-fault drivers may be unwilling to do that. And I assume that you got all the necessary details at the scene of the crash like the name of the insurer, claims contact number and name of an insurance agent.

Then you have to tell the other driver’s auto insurance provider that you have been in an accident with one of their policyholders and report to them any property damage and injuries. Recount only the truth because the authorities would find out who caused the accident and the insurance provider would decide on who was at-fault based on the law enforcement’s reference, in spite of your explanation. Even if you were not the one who caused the accident, you have to call your own insurer in Palm Beach, Florida. They can be able to help you if the other driver and his insurance provider won’t take responsibility for the crash.

Tags: auto insurance, auto insurance company

Car Insurance Claim Dispute Palm Beach Florida FL

Reader’s Question:

A friend here in Palm Beach, Florida told me that if I want to go over arbitration with my car insurance company because of my insurance claim dispute, I need to check my insurance policy first regarding the list of organization who can arbitrate my claim. There’s nothing listed in my policy so how can I go on with the arbitration?

Garry

Palm Beach, FL

If you want to submit a Demand for Arbitration form regarding a claim dispute against your car insurance company in Palm Beach, Florida and there is nothing listed in your car insurance policy as to which organization to submit it to, you can submit that document to Florida department of insurance. You may also opt to send the Demand for Arbitration document to the offices of American Arbitration Association or AAA. Both of you and your car insurance company should agree to arbitration and remember that the rules here would be tougher. Moreover, the rulings in arbitration will be binding resolution.

In case you have an attorney who will represent you at an arbitration trial, you should tell your car insurance provider in advance. Your car insurance provider should tell you as well if an attorney would represent them in trial. Just like the procedures in court, both you and the car insurance company will be allowed to provide proofs that support your claims. Both parties could also bring in witnesses, who should agree to questioning by the other party and by the arbitrator. The arbitrator will have the authority to decide if you have the entitlement to be given any compensation under your car insurance policy and how much it would be. In case you and your insurer make a settlement on your own while in the course of arbitration, the arbitrator could decide that your settlement would be the resolution.

Tags: advice, auto insurance claims, car insurance, car insurance company

Auto Accident Insurance Rules Palm Beach Florida FL

Reader’s Question:

What will happen if I decide not to report a car accident to my car insurance provider here in Palm Beach, Florida immediately?

Juanito

Palm Beach, FL

Very good question. It will be to your advantage to contact your auto insurance provider there in Palm Beach, Florida, in the event you get involved in a car accident or collision. Not doing so would be seen by your auto insurance provider as suspicious (who wouldn’t want to get paid or covered immediately from damages to their car that was caused by someone else?) and you might have a much harder time filing for a claim later on. If you were the one at-fault in a car accident, not informing your auto insurance provider immediately about the accident might be used against you in the court, if the other party decides to sue you for damages, injuries or both.

If you were the one whose vehicle got damaged, or incurred bodily injuries you need to inform your auto insurance carrier right away so the appropriate settlement can be processed immediately. If you are able to supply all the necessary information to your insurance provider regarding the other party who caused the accident, your carrier will be able to contact the at-fault party’s own insurance carrier to facilitate processing of your claims, as well as payment of medical or hospital bills if any, as well as repair to your vehicle. You wouldn’t want to pay out-of-pocket for all this yourself, right? To put it simply, there should be no reason that you (or someone you know, if you are not able to) are not able to inform your auto insurance provider about the car accident.

Tags: advice, auto insurance, car, car insurance, car insurance company

Teenager Insurance Rates Palm Beach Florida FL

Reader’s Question:

I would like to put my daughter under my car insurance policy here in Palm Beach, Florida. I know this might cause my rates to go high, do you have any suggestions on how I can keep my rates low with my teenage driver?

Vanessa

Palm Beach, FL

Teenager Drivers can really cause a big on their parent’s auto insurance expenses. It is a known fact that teenagers are not the best driver’s, as statistics have shown over the years. The good news is that there are actually there are a lot of ways on how you can keep your car insurance rates there in Palm Beach, Florida, in check:

1. Teach your teen to become a responsible driver -making your teenager realize the importance of obeying traffic rules while on the road and the long-term consequences of reckless driving is one of the most effective and important steps you can take to prevent your car insurance from significantly increasing, as well as keeping them safe while driving a vehicle.

2. Smart student’s get good discounts - encourage your child to excel academically since most car insurance providers offer parents with a good student discount towards their auto insurance policy.

3. Consider an Older Vehicle - maybe you can convince your daughter to drive an older, less expensive vehicle (or this may not even be an option for you and her). In any case, it will cost you less to ensure a used, less expensive car as compared to giving them a brand new model.

4. Keep them under the same policy - it will cost much more for your daughter to get her own policy as compared to staying under yours as a “named” driver, your insurance company might even give discounts for doing this too.

Tags: auto insurance, car insurance discounts, student car insurance, teen insurance

Car Insurance Overview Palm Beach Florida

Reader’s Question:

I want to understand my automobile insurance policy here in Palm Beach Florida a little better, what comprises my insurance policy?

Janet

Palm Beach, FL

Your regular auto insurance policy is actually a package composed of several different types of insurance coverage and each has a role in protecting your financial well being while driving a vehicle. The basic auto insurance policy will have the following: Bodily Injury Liability coverage, Property Damage Liability, Collision Insurance Coverage, Medical Payments (sometimes known as “MedPay”) or Personal Injury Protection, Comprehensive Insurance coverage and sometimes, Uninsured or underinsured motorists coverage policy. It would also be interesting to note that some of these coverage are optional while others, such as Liability Insurance, are mandated by the financial responsibility laws of Palm Beach, Florida.

Bodily Injury Liability - pays for medical treatment, injuries, income loss and pain and suffering compensation if you injure someone in a car accident. Florida minimum requirements: $10,000 payable to each injured person per accident for a total of $20,000 for all injured individuals per accident.

Property Damage - pays for damages you caused to private or public property in a car accident ($10,000 Florida Minimum)

Collision Insurance - pays for damages and repairs to both parties vehicle in a collision.

Comprehensive - Provides coverage if you lose your car due to non-car accident related circumstances like acts of god, floods, vandalism etc.

Personal Injury Protection - pays for treatment of your injuries in a car accident regardless of who is at fault.

Uninsured/ Underinsured Motorist - pays for the extra amount needed to restore or repair your vehicle if the other party has no or insufficient insurance coverage to do so.

 

Tags: auto insurance claims, auto insurance premium, car insurance company, car insurance discounts

Beginner Driver Insurance Palm Beach Florida FL

Reader’s Question:

I bought a new car in Florida just when we moved in Palm Beach. I heard there is a little difference in the rules regarding car insurance here in Florida in terms of loss of policy. What are those rules and what are the penalties, if there are any, for not having car insurance in Palm Beach Florida?

Dave

Palm Beach, FL

First of all, be reminded that car insurance in Palm Beach or anywhere you drive in Florida car insurance is a requisite to anyone who drives along Florida roadways. And there are certainly penalties for not having a proof of car insurance while driving when the authorities know it.

There are two occasions wherein you may lose your car insurance policy. For one, when your insurance provider cancelled your policy due to failure to renew it or to pay the necessary amount on time, you do not have other options but to subscribe for another policy. You better hurry because your former insurer immediately informs the Department of Motor Vehicles (DMV) once your policy is cancelled.

The other occasion is when you are driving and you do not carry with you the proof of your car insurance. And in case a police officer caught you driving with his/her knowledge that your car is not insured and you are unable to provide him your insurance card, DMV has the right to suspend your license and your car’s plate and registration up until you are able to show a proof of new insurance policy you get. However, you need to pay a $150 to $500 fee to have your license back as well as your car’s registration and license plate.

Tags: auto insurance policy, car insurance, DMV

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