What You Need To Know About SR22 Insurance

February 21 2010 by author in SR22 Insurance |Comments Off

So how exactly does one find affordable SR22 car insurance quotes? What can one do to look for cheap SR 22 auto insurance rates? These seem to be crucial issues for anyone that has had to comprehend their state’s SR22 car insurance specifications. Go through on to discover some of the SR22 needs and then see if you can set them to good use saving you some money!

Submitting an SR22 form is a part of the task to have your own driver’s license restored immediately after a suspension. An SR22 is a form issued by by an insurance carrier confirming that you’ve got the minimum level of car insurance insurance ordered by your state in force. In case your own insurance plan were to lapse due to non-payment or canceled by the insurance carrier, the Department of Motor Vehicles (DMV) in your state would need to have to be advised. Your license may return back to to be revoked.

dui palm beachThere are many explanation why someone’s driver’s license might be suspended, and the common reason for these are DWI/DUI Conviction, having Unpaid Fines and Being at fault in an Accident Whilst Without insurance

When you purchase for insurance following the suspension, talk to the insurance provider to issue an SR22. You have the solution of acquiring it to your local DMV office in person.

The primary place you must seek out an SR22 form is from your existing insurance company. It’s possible that the company may refuse to insure you soon after your license has been suspended, or it may well still sell insurance policy, yet at a more expensive rate.

If you are struggling to remain with insurance company, then it is time for you to get started searching for coverage in other places. There are several insurance companies that focus on delivering policy or higher-risk motorist (which you are should you need an SR22), or you can go for every insurance provider you like to try to set up coverage. The worst-case situation is that you may get rejected.

Obtaining SR22 Insurance

The process for acquiring SR22 insurance is similar in acquiring a typical automobile insurance policy. To have the best amount, its smart to look around. The web delivers you plenty of details concerning the insurance provider that offer this sort of policies. Use your favorite search engine to obtain a listing of companies that service your own location and also to geta few quotes.

SR22 insurance coverage can be extended for high risk drivers, however it is still auto insurance. You still need to have to be positive that you have the right level of insurance plan to properly safeguard your own assets. Take a look at the coverage provisions cautiously to make certain you comprehend what your policy covers as well as what the exclusions are.

Obtaining The lowest priced SR 22 Auto insurance Rates

Even with SR22 issues it is still possible to obtain an inexpensive automobile insurance plan nevertheless you must devote the time and also effort. Getting low-cost SR22 insurance coverage most likely are not a sensible goal if you aren’t enthusiastic to try and do several research as well as shop around, since many insurers will cost more for insurance policy after a driver’s license suspension. That doesn’t indicate that you mustn’t make an attempt to look for the best offer achievable, though. Shop around to acquire a an insurance company willing to provide you the best rate on the best level of insurance plan for you.

How To Select A Palm Beach DUI Attorney

August 21 2009 by author in DWI attorney Palm Beach |Comments Off

Reader’s Question:

I don’t want to make another mistake after being caught for DUI here in Palm Beach so I want to hire an attorney to defend me. Problem is, how would I select a DUI attorney among the available ones who could help me?

Eric

Palm Beach, FL

Certain DUI cases can just be resolved by having a plea bargain and you won’t need an attorney for it but that could end up having more jail time than if you have chosen to hire a DUI attorney.

When selecting a DUI attorney in Palm Beach, it is highly suggested that you hire one who is experienced in defending DUI cases. That attorney should also be one that offers free consultations in order for you to ask the right questions before hiring them. A lot of very good DUI attorneys may not offer free consultations but you can still be able to find ones that do. There are also DUI lawyers that have Websites in which you can learn more about their practice. Before you hire a lawyer to defend you, you must know first you would be contacted regularly about the status of your DUI case. Also, you need to make sure whether that lawyer you talked to will be the one who would handle your case or one of his/her associates. Feel free to ask the lawyer as well as to what the estimate cost of total fees would be.

Keep in mind that the one you choose to defend you on your DUI case can spell all the difference and can help you avoid jail time or pay very high fines. A good DUI attorney would push you to be involved in an AA program so that you can show the courts that you have been transformed. It is also very important that you trust your DUI lawyer and have confidence in him/her and at ease working together.

What Is An SR22 Insurance?

July 10 2009 by author in SR22 Insurance |Comments Off

Reader’s Question:

What is an SR22 insurance? How do you get one?

Maria

Palm Beach FL

Drivers who were found guilty of violating major traffic rules need to have SR22 insurance in order to have their licenses reinstated. Some of the traffic violations that can result to drivers being requested to get SR22 insurance include overspeeding, DUI, and driving without auto insurance coverage. What makes getting SR22 insurance complicated is the fact that it is quite expensive. Additionally not all car insurers give SR22 insurance. That’s why most drivers are resorting to SR22 filing online because they can get their SR22 insurance quickly and conveniently.

SR22 insurance is required from drivers who have their licenses revoked resulting from traffic misdemeanor. Some of these traffic infractions include overspeeding, driving under the influence, driving without the required car insurance, and getting involved in a car collision without car insurance. Aside from the fact that SR22 insurance is expensive, many car insurance companies are not providing it to erring drivers. This makes getting SR22 insurance all the more difficult.

With the advent of the Internet, drivers are now resorting to SR22 filing online. Without a doubt, SR22 filing online is very convenient and easy. One does not have to wait for paperwork and fall in long queue when doing their SR22 filing online.

It is very simple to have SR22 filing online. Drivers can look for a website of a SR22 insurance company online and request for a SR22 insurance quote. If the terms are good enough for the driver, the driver has to pay a down payment. The SR22 insurance company will then electronically inform the motor vehicle department about the driver’s purchase of SR22 insurance. With SR22 filing online, a driver can go back driving without having to worry about more traffic violations.

The SR22 insurance company which worked on the SR22 filing online will then send a copy of the form to the driver after a couple of days. The driver should have the form all the time especially when driving a vehicle. It is indeed very convenient to have SR22 filing online.

What Is The Penalty For DUI In Palm Beach

May 29 2009 by author in Dui Penalties |Comments Off

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.

What To Do After Hiring DUI Case Lawyer In Florida

February 19 2008 by fashun in DUI lawyer Palm Beach |No Comments

Reader’s Question:

So I’ve hired a Palm Beach DUI case lawyer. Now what?

Lucy

Excellent question, Lucy.

A lot of people think that once they hire their Palm Beach DUI case lawyer, all they have to do is lay back and watch the sun rise. Not so. Defending a DUI case is a group effort, and you aren’t going to get anywhere without communication, no matter how good your lawyer is.

Importantly, you need to keep on hand everything important to your case, and make sure that your attorney always has the latest information and documentation. You have to be clear on what exactly your goals are for your case, whether they are realistic of not, and so on. You should also have a timeline for your case, with an idea of when it will end and at what points you should have certain goals accomplished along the way.

Be sure to remember that your lawyer is there to help you, and if you need any advice on your case you should call them up and voice your concerns. This will give your lawyer direction and help the two of you work together better for a successful case.

–Fashun.

Is It Possible To Take Online Traffic School For DUI In Palm Beach

June 26 2008 by author in Dui School |Comments Off

Reader’s Question:

I was charged with DUI in Florida and of course, I was asked to attend a traffic school. I don’t have the luxury of time to go to a regular traffic school. Would it be better if I just go to an online traffic school? How does this work?

Suzanne

Palm Beach, FL

The good news about taking up an online traffic school is that you can just do it in the comforts of your home. You wouldn’t have to sit in a physical classroom to take the traffic school because you can simply do it online.

It is not as difficult as it sounds to find a Florida online driving school. There a lot of providers who have made courses available for students. But don’t assume that all of these online traffic schools are Florida approved traffic schools. Be mindful that not all online traffic schools are approved for court use. I suggest you check with the courts to find out which online traffic schools in Florida are worthy of their seal of approval. The list of approved Florida online traffic school providers could probably be found at the State’s Department of Transportation website or other government web location.

If you have already found a provider that you and your court like, you just need to register on a web page and establish an account. After that, you will have access to the traffic school materials that have been customized to include laws and regulations in the State of Florida, and go through the course to learn all the state-mandated items that they feel a traffic violator would benefit from learning in a defensive driving class. After your course, you’ll take a final exam and you’ll be required to get a minimum percentage correct in order to pass the course. You will be receiving a certificate of completion in the mail and be able to bring it to court to show that you have satisfied the traffic school requirements.

Where To Find SR22 Auto Insurance In Palm Beach

July 21 2008 by author in DUI lawyer Palm Beach |Comments Off

Reader’s Question:

My brother has been convicted for DUI in Florida and he asked me to help him find a cheap SR22 auto insurance. Will we ever find cheap SR22 here in Palm Beach, Florida?

Toni

Palm Beach, FL

You may have a hard time finding cheap SR22 auto insurance in Palm Beach, Florida. That is because the very term SR22 insurance means your brother is considered ‘high risk’ in the auto insurance industry because of his DUI conviction.

As far as SR22 insurance providers are concerned, there are actually some that are more expensive than the others. Your brother can follow some key points to ensure that he doesn’t pay more than you need to when you get his policy. Make sure that he doesn’t shop by price alone because some policies aren’t worth the paper they’re printed on. They may show a cheap price but don’t offer any coverage that your brother actually needs. He can go with a reputable DUI source when you shop for SR22 insurance. Insurance companies that specialize in this type of high risk auto insurance are in a better position to help your brother than a more generalized provider. You also have to get as many free quotes for your brother as you possibly can as this would help you pick the better SR22 insurance policy.

How Long Does DUI Stay On Driving Record?

July 29 2008 by author in Dui Conviction |Comments Off

Reader’s Question:

Nearly two years ago, I have a DUI conviction here in Palm Beach, Florida. Like other people convicted with DUI, I had a really hard time going back to my old life. I just wanna know, how long does a DUI conviction stay on my record?

Harper

Palm Beach, FL

Since you have a DUI conviction in Palm Beach, Florida almost two years ago, that DUI conviction stays on your record effectively for life and some other states have similar laws as well regarding DUI conviction. A DUI conviction in the state of Florida is not always a misdemeanor. If a person has the third DUI charged and his/her last DUI is within the past 10 years, the person may be charged with a felony DUI. Moreover, motorists with multiple, serious, driving convictions are declared “habitual traffic offenders.” An individual who is driving after being declared a habitual traffic offender commits a felony merely by driving unless that individual has obtained a valid business purpose license from the Department of Motor Vehicles.

A DUI conviction can result in possible restrictions on credit or denial of job opportunities because the conviction is a public record and is typically retrieved by credit reporting agencies. Also, a DUI conviction can cause an increase in premiums or cancellation of your car insurance. In the past 10 years, many rental car companies have begun denying rental privileges to a person with a DUI conviction for as long as 6 years after a DUI conviction.

What To Consider Before Hiring DUI Lawyer

August 1 2008 by author in DUI lawyer Palm Beach |Comments Off

Reader’s Question:

Finding a good DUI defense lawyer to help me on my DUI case in Palm Beach, Florida seems rather a not very simple thing to do. What is the utmost important thing that I should be careful about in getting a DUI lawyer?

Shanda

Palm Beach, FL

It pays to know the things that you should be careful about in hiring a DUI lawyer who would defend you in your DUI case in Palm Beach, Florida. There are some DUI lawyers who have deceptive advertising and you should be cautious about that. We can rightfully say that free market competition amongst lawyers is good but there are things that you should avoid.

Bait and switch applies to some law firms too. It is like meeting with a named DUI lawyer which is the one whose name appears on the door or in the yellow pages. Then that lawyer spends some time selling the services of his firm, hinting that he will be intricately involved in your DUI case. The lawyer has other highly skilled associate lawyers working for him/her and he/she will tell you that it is going to be a “team” effort. You have to ask that lead lawyer as to how many times will he/she will promise in writing to go to court with you. If the lawyer answers something like “we can’t promise that,” you can count that you’d never see that lawyer ever again after you give him/her your money.

Do I Need To Get A DUI Lawyer Before Taking Breath Test In Florida?

August 22 2008 by author in DUI lawyer Palm Beach |Comments Off

Reader’s Question:

The law really confuses me and even if I know that it’s far from happening, I still feel the urge to ask this question. If I will be arrested for DUI in Palm Beach, Florida, do I have the right to a lawyer before I decide whether or not to take a breath or blood test?

Earl

Palm Beach, FL

Florida DUI laws do not give anyone the right to speak with a lawyer prior to making the decision of whether or not to take the field sobriety tests, the breath test or blood test. Florida DUI laws also do not prohibit an officer from allowing a person to call a lawyer prior to making the decision on whether to take any field sobriety tests or the breath or blood test. Moreover, the law does not require anyone to perform any field sobriety tests or to take a breath or blood test.

If you will be contacting a DUI lawyer in Palm Beach, Florida prior to taking a breath or blood test, you will be exercising good and normal judgment. If you are already under arrest, you are entitled to contact a lawyer at this point. The officer might tell you that you don’t have the right to contact a lawyer at that time and the decision to take a blood or breath test is up to you. This is but a normal response from an officer but jurors might not like this because most people believe that anyone is entitled to a lawyer once he/she is arrested. If the officer tells you that the Courts have ruled that they don’t have to allow you to contact a lawyer, it doesn’t seem that they are being fair.

How To Avoid License Suspension After DUI

August 24 2008 by author in License Suspension |Comments Off

Reader’s Question:

I know that after my DUI charge here in Palm Beach, Florida, I have to do certain things to save my driver’s license. What are the things that I should do now so that I can still have my driving privileges?

Jude

Palm Beach, FL

To save your driver’s license, the first thing that you should do after your DUI arrest in Palm Beach, Florida is to request for an Administrative hearing with the Department of Highway Safety and Motor Vehicles (DHSMV). Upon your request, DHSMV is authorized to conduct formal and informal reviews for the purpose of sustaining, amending or invalidating administrative suspensions and disqualifications. The decision of the DHSMV should not be considered in any trial for refusal to blood alcohol test nor any written statement you submitted in your request for review be admissible into evidence against you in any such trial. The disposition of any related criminal offenses should not affect the suspension of your license.

The temporary permit that the officer issued you is valid for 10 days from the date of your arrest. This permit does not authorize anyone to operate a commercial motor vehicle for the first 24 hours of suspension of driving privileges. The Administrative hearing with the DHSMV should be requested with 10 days upon arrest and I also suggest that you request the officer’s presence so that it can give you a preview of your trial.

Do You Need A DUI Lawyer For Your DUI Case In Palm Beach?

September 10 2008 by author in DUI lawyer Palm Beach |Comments Off

Reader’s Question:

I got a DUI here in Palm Beach, Florida and everyone is telling me that I should hire a lawyer. Do I really have to hire a lawyer to help me in my DUI case?

Dave

Palm Beach, FL

Yes, you have to hire a DUI lawyer as soon as you can after you have been charged with DUI in Palm Beach, Florida. If you don’t have your own DUI lawyer, you are very likely to be lost in the foggy maze of Florida’s drunk driving laws, which change every month or so. You badly need a DUI lawyer to watch out for time limits, negotiate for you, speak for you when necessary, complete and file all the paperwork correctly on time and generally fight for your best interests. An experienced DUI lawyer knows how to challenge the DUI stop, field sobriety tests, breath and/or blood alcohol tests and the DUI arrest or when you were already in custody.

A DUI charge in Florida could even cause you to lose your driving privileges and you would also have to pay higher insurance premium rates and it could also often lead to jail time, loss of your job and expenses and inconvenience. Sad to say, it could even give you a criminal record so hiring a DUI lawyer to help you and represent you would not be a bad idea.

What Are The Fees Involve In DUI Conviction In Florida?

September 13 2008 by author in DUI cost |Comments Off

Reader’s Question:

My brother is accused of DUI here in Palm Beach, Florida and I heard that he would have to pay some fees until the case is resolved. What kind of fee is this and aside from the fees and court fines, what other financial aspect of the case does he have to worry about?

Edmund

Palm Beach, FL

In a DUI case, some counties really require pretrial supervision which would include regular fees of about $20 per month until the DUI case is resolved. That would probably be the fees that you are referring to while your brother’s DUI case in Palm Beach, Florida is on trial. Believe it or not, this could be considered as probation even before conviction that is solely based upon the accusation of the DUI crime.

Aside from the fees and court fines, your brother would also have to worry about the impact of his DUI charge on his car insurance rate. Major insurance companies would simply refuse to give him coverage as he is already tagged as a high risk driver because of his DUI charge. For those car insurance companies that are willing to offer policies, the premium rate would depend on several factors. These factors include make and model of car driven, driving record, age, levels and type of coverage sought, marital status and if the DUI case involved a wreck or other charges. He would also have to get an SR22 car insurance and he could definitely get an online rate quote from great insurance company in Florida available from this website.

What Happens After DUI Arrest In Florida?

September 17 2008 by author in DUI Arrest |Comments Off

Reader’s Question:

I understand how serious a DUI charge is because I know some people here in Palm Beach, Florida who suffer the consequences of DUI. Question is, what usually happens after a DUI arrest?

Felicia

Palm Beach, FL

Let’s say for example that a person is arrested for DUI there in Palm Beach, Florida. After the DUI arrest, the accused will be “booked” into the criminal justice system and be held in custody until all or most of the police officer’s required arrest paperwork is completed. At this point, the police could even set preliminary bail, which must be paid before the person is released from custody. Shortly before the DUI suspect is released, a court date would be set and the police will generally provide one or more pieces of paper commanding the person to appear in court at a certain place and time to be “arraigned.”

In some instances, the police officer would arrest the person, finish some preliminary paperwork, and then immediately take the person for an appearance before a local court judge. The first court date or courtroom proceeding would be the arraignment. During this arraignment, the person will be called before a criminal court judge.

Will My Car Insurance Rate Increase If DUI Case Got Dismissed In Court?

September 24 2008 by author in DUI lawyer Palm Beach, DWI attorney Palm Beach, DWI fees, Second offense DUI |Comments Off

Reader’s Question:

If a case of DUI was dismissed in court can it still affect my driving record and my auto insurance rate in Palm Beach Florida?

Nel

palm Beach, FL

It is possible that for a dismissed drunk driving case to affect your driving record still. I would recommend that you verify with your state’s Department of Motor Vehicles to know for sure what exactly will be listed on your driving history. The cost of a SR-22 insurance will depend upon your driving record and other personal information.

The Department of Motor Vehicle (DMV) will be able to provide you more information if a dismissed case of DUI will still appear to your your driving history. You may also contact your insurance carrier to know if this will affect your car insurance Palm Beach Florida.

How Much Cost Do You Have To Pay For DUI In Palm Beach

September 28 2008 by author in DUI cost |Comments Off

Reader’s Question:

I’m afraid I might just lose my DUI case here in Palm Beach, Florida because I really don’t know what to do. I know this would cost me too much time and money, but how would I know what it would really cost me to have a DUI conviction?

Franco

Palm Beach, FL

The first thing that you would have to do now after you have been charged with DUI in Palm Beach, Florida is to get a lawyer who would represent you. Hire a lawyer who specializes in DUI cases if your income allows it. This kind of lawyer would be able to give you solid information on what you could expect in terms of cost for your DUI case. You can add the lawyer’s fees into your total and you could also request an estimate or you may estimate this cost based on your lawyer’s hourly rate.

A lot of DUI lawyers offer a free consultation to go over the basic facts of your DUI case. You may ask for a ballpark figure on what the defense would cost you based on your particular situation. Also, remember that a DUI conviction could be costly for years to come. For some people, a DUI conviction would be costly in terms of employment because they’ll have limited options for the future and, in some cases, termination. Your DUI may also cost you for your car insurance rates to increase. So if you’re in search for a justifiable car insurance rates after your DUI, go on and get an online rate quote from this website.

Auto Insurance Policy After Drunk Driving Charge

November 8 2008 by author in Dui Insurance |Comments Off

Reader’s Question:

What will happen to my auto insurance policy here in Palm Beach, Florida should I get caught driving drunk?

Will

Palm Beach, FL

Hi Will, should you get caught driving under the influence (DUI or DWI) or get involved in any serious type of vehicular violations, then you can expect some very heavy consequences not only from your car insurance provider there in palm Beach but from the state of Florida as well. The law is very serious about drunk driving, car accidents and traffic violations. And the repercussions are also far reaching, something you will have to live with and work hard to rectify for the next two to three years.

Most likely your auto insurance coverage will either get canceled or your insurance premiums gets dramatically inflated but thats going to be the least of your problems. Your driver’s license might get temporarily suspended until you pay some healthy fees, thats if you’re not sentenced to spend some time behind bars . If you’re insurance does get canceled there are still insurance providers out there who’s willing to take in high-risk driver. Yes, you’re going to be considered a high-risk driver and get all the perks that come with it such as sky high rates and having to file and maintain an SR22 (proof of financial responsibility) for at least a couple of years. It’s going to be a dreadful experience in exchange for those few bottles of suds. So why risk it?

How An Insurance Broker Can Help You Get Cheap Car Insurance

February 20 2009 by author in DUI lawyer Palm Beach, DWI fees |Comments Off

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.

Car Insurance For Rental Vehicle In Palm Beach

December 12 2008 by author in Rental Car Insurance |Comments Off

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.

Will My Policy Coverage Extend To Rental Car In Palm Beach?

December 5 2008 by author in Rental Car Insurance |Comments Off

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.

Car Insurance Claim- Where To Go?

November 27 2008 by author in Car Insurance Claim |Comments Off

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.

Car Insurance Claim- Where To Go For Arbitration

November 25 2008 by author in Car Insurance Claim |Comments Off

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.

What Happens If I Do Not Report The Accident Immediately To Insurance Company?

November 25 2008 by author in Car Insurance Claim |Comments Off

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.

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