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

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

Reader’s Question:

I have done some research for car insurance companies and I am near in reaching a decision as to which company I’d go with. Aside from checking if the policy contains the coverage I need for my car insurance here in Palm Beach, Florida, is there some kind of clauses that I should avoid?

Noelia

Palm Beach, FL

I believe that you have gone through a tough time to find the perfect insurer for your car insurance in Palm Beach, Florida. But before you go ahead and put your signature on, you have to go over the policy. Aside from making sure that it has the coverage you need, there are two sections that you must check in the policy:

1. Check if you surrender your privilege to take a matter in court and would just be compelled into mediation if there’s dispute over a certain issue. An insurance expert said that it would be a lot better not to let pass this privilege because it would be simpler for insurance companies to take advantage of you. In case you see this in the policy you are considering, everything is not automatically lost. A contract is a mutual arrangement, so you could remove that part in the policy. In case the insurer doesn’t approve the policy sans clause, you have to look for another insurer.

2. In case you find in the policy that the insurance provider could use “aftermarket parts” for body shop repairs, choose another insurer. If the vehicle that you drive is pretty recent that you intend to maintain for a long time, you’d likely be satisfied if you take some more time looking for another insurer that has competitive edge than try to argue with the insurer once you file a claim.

Tags: car insurance, car insurance policy

Reader’s Question:

My brother will be gone for a while and he asked me to take care of his two kids, his house and his cars. I may have to use one of his cars for some errands that I need to do. Can I get like temporary car insurance for it here in Palm Beach, Florida?

Taryn

Palm Beach, FL

Temporary car insurance is perfect for temporary car possessions, vacation driving and if a new driver would be taking over driving tasks of an automobile. The temporary auto insurance would give you protection with full or liability insurance, depending on what coverage you need. I assume that your brother has an existing car insurance policy but a temporary driver may not be covered on his policy. Since, he will be gone for a while and you will use one of his cars, he may consider purchasing temporary car insurance. A lot of car insurance providers in Palm Beach, Florida offer temporary car insurance.

A lot of car insurance policies are written for weeks instead of a longer period such as six months which is the typical term for a conventional policy. For the ease, often times the insurance rates for a temporary auto insurance policy is considerably larger that the pro-rated amount for an annual policy. The temporary car insurance policy could give liability or full coverage and this could be the perfect answer for your current car insurance needs.

Tags: auto insurance policy, car insurance

Reader’s Question:

How do car insurance companies here in Palm Beach, Florida figure out if a driver is considered as high risk? Do these car insurance companies do some investigation or something?

Thaddeus

Palm Beach, FL

Car insurance providers in Palm Beach, Florida, and anywhere for that matter, generally like to do their own study as a method to help them figure out if a driver might be higher risk than an average driver who has car insurance. The conventional method that they go by is that men are always a higher risk than women; teens are always higher risk than adults and those who are living in the city are higher risk than those who are living in the country.

Car insurance providers also would do some checking to find out if a driver has had continuous car insurance coverage with some car insurance providers, not necessarily theirs. If for some reason a driver has not, this is a signal for them that the last car insurance policy the driver had was cancelled for some reason, or that the person has just been driving without having car insurance coverage. Either of this possibility may cause the car insurance provider the driver has selected to work with to put him/her in the high risk category.

Tags: auto insurance company, car insurance, high risk insurance

Reader’s Question:

Why do you think I should consider getting collision coverage for my auto insurance here in Palm Beach, Florida?

Kali

Palm Beach, FL

Collision auto insurance is just an option because not all drivers could see the need for the additional expense of adding it the auto insurance policy. But collision coverage could more than pay for itself the very first time that you utilize it. This type of car insurance would give you coverage in case you hit somebody else’s automobile and would also give you coverage if you hit an animal or anything that would damage your vehicle.

Collision auto insurance would pay the cost that is needed to repair for your car, minus the cost of your deductible. To be able to keep the premium rates as low as possible, you must choose the highest deductible you think you could afford in case of an accident. In case the vehicle you own is an older model, it could be to your advantage to remove this option. That’s because if an older vehicle is involved in a crash and is damaged, the cost that collision coverage would pay is only as much as the cash value of the vehicle. Taking into consideration all these things, you can decide whether or not to get collision coverage for your auto insurance in Palm Beach, Florida.

Tags: auto insurance, collision coverage

Reader’s Question:

Is it true that insurance companies consider the gender of the person applying for a policy before they decide for the insurance rate? If I apply for an auto insurance here in Palm Beach, Florida, will I have lower rates as a woman compared to those of the men?

Kalista

Palm Beach, FL

Yes, most of the larger insurance companies consider the gender of the person applying for a policy before they decide for the insurance rate. Based on statistics, the gender of a regular motorist could tell them a lot about how they drive their car and some other factors that have been found out after thorough studies.

As a woman, if you apply for an auto insurance in Palm Beach, Florida and if you’re between 18 and 25 yrs old, you’re premium rates will be lower than those of males with the same age and other same exact factors. The insurance providers found out that female motorists don’t have as many car crashes, speeding tickets, or other sort of traffic offense as a male in the same age range. Those who are outside the insurance industry believe that the differences in gender are only viable for young drivers, but that’s not the case. Gender could affect the insurance rates of motorists, young and old so long as the insurance providers use their brand of profiling to be able to find out how much their auto insurance premium rates would be.

Tags: auto insurance, auto insurance rate, female car insurance

Reader’s Question:

I just got my driver’s license and I will be getting my own car insurance soon here in Palm Beach, Florida. In case an accident happens, what does the insurance law say that I should have?

Carolina

Palm Beach, FL

Owners and operators of motor vehicles are mandated by the Florida Financial Responsibility Law to be financially responsible for damages and/or injuries they could cause to others when a car accident happens. This law would require you to have liability insurance in Palm Beach, Florida at the time of the following:

-An accident where you’re at fault and injuries have happened
-A suspension because of too many points against your driver’s license
-A revocation because of being a Habitual Traffic Offender
-A revocation for any serious violation where your license is ordered to be revoked

You should have the following minimum insurance coverage:

-$10,000 Bodily Injury Liability (BIL)
-$20,000 Bodily Injury Liability to two or more individuals
-$10,000 Property Damage Liability (PDL), or
-$30,000 Combined single limits

Your driver’s license would be suspended for up to three years if you commit any of the aforementioned offenses and you don’t have insurance to abide with the financial responsibility law.

Tags: auto liability insurance, car insurance, driver’s license

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.

Tags: car insurance, DUI, DUI cost, DUI lawyer

Reader’s Question:

My cousin was charged with DUI here in Palm Beach, Florida and I see that he worries too much about his auto insurance. What can he expect from his insurance company after his drunk driving charge?

Margaret

Palm Beach, FL

Most auto insurance companies check their client’s motor vehicle record once a year. Some auto insurance companies do check it only once every three years or when the client is applying for a new insurance policy. Sometimes, tickets, drunk driving or DUI convictions and accidents could escape the auto insurance company’s attention. If your cousin’s auto insurance company finds out about his DUI charge, especially if he gets convicted, he will see higher premium rates and possibly he might have the task of seeking a new auto insurance company because his current auto insurance company might not renew his coverage.

There are usually two ways that auto insurance companies deal with customers who have DUI charge. Including your cousin’s DUI case in Palm Beach, Florida, the first possible thing that would happen is that the auto insurance provider might cancel the policy. It would also be possible that the auto insurance company would raise the premiums due to increasing the “point” count, almost to the point of “unaffordability.” In case this happens, he can check out other auto insurance providers and he can absolutely find a good auto insurance through getting an online rate quote from this website.

Tags: auto insurance, car insurance quotes, drunk driving insurance, DUI