When the Illegal Immigrant Has a License and Auto Insurance

Of late, there’s been so much focus on the illegal immigrant in the media that we in the insurance industry have decided to have our say, as well.

Here goes.

Of all the fifty US states, there are only twelve that give driving privileges to the undocumented immigrant. In the other states, any undocumented immigrant that drives does so without having been issued a license. Without a license, you can bet your bottom dollar that there is no auto insurance to cover an accident. If a legal driver is the not at fault party of a collision, not only will there be no coverage to pay for damages from the other party, but it’s likely there will be no out-of-pocket money to speak of in compensation as well.

Good reason to invest in uninsured motorist of underinsured motorist insurance, huh?!

In any case, the danger involved in illegal immigrant driving has prompted the few states that do offer some form of driving licenses to the undocumented to actually expand the eligibility. With the invitation from CA, CO, DE, DC, HI, MD, NV, NM, UT, WA and VT to apply for a driving license, the undocumented immigrant who passes the written and driving test has better odds of safe driving and can actually purchase protective auto insurance coverage.

This means of course that in the event of a vehicular accident, the illegal immigrant that lives and drives in one of the areas where the privilege is open to him or her can have the shielding insurance to cover damages.

But the illegal immigrant who passes the driving test required in order to acquire a legal driving license has other more inclusive options that, like any US citizen, can shield him or her more comprehensively.

These include the options of:

Collision Insurance Coverage – this compensates for the cost of damage incurred to the at-fault driver as well

Comprehensive Insurance Coverage – this provides payment for other losses incurred as a result of a stolen automobile, car vandals, or the damage from a natural disaster

Uninsured/Under-Insured Motorist Insurance Coverage – this provides coverage for damages resulting from an accident with a driver that does not have adequate auto insurance

Irrespective of your standing in regard to residency or citizenship, if you are a legal driver it is wise to seek guidance and advice from a qualified insurance professional in relation to insurance coverage options that are applicable to your individual circumstances.



Source by M Wyzanski

Terms and Conditions of Auto Insurance

Based on the high rate of accidents which happen each year, it is imperative that anyone driving a car whether it is your car or a friend’s car must have an auto insurance policy even if it is the least of all insurance policies available.

An insurance covers the policyholder and in most cases it covers other people who use the car or the driver. However if the car gets into an accident which is not in the interest of the policyholder, or in violation with the agreement between the policyholder and the insurance company, the insurance policy will not cover the damages from such accident.

In instances where the insured vehicle gets sold to another person, the new owner is covered by the third party liability Insurance and also by the comprehensive car insurance policy (if there is any) within a period of 3 weeks after the change of ownership. When there is a new active insurance policy, all deductibles under the insurance will be paid by the new car owner.

Auto insurance does not cover damage to vehicles in company possession for purpose of sale

Depending on the car insurance policy agreement between you and your insurance company, there might not be a need for you to notify them when the terms in the policy agreement changed. The consequence of refusal to notify the insurance might be forfeiture indemnity and compensation if an accident occurs or reduction of the indemnity and compensation or lapses in the payment if indemnity and compensation.

Therefore to avoid the consequences stated above, whenever there is a change in the policy information notify your insurance company immediately.

You can purchase the same auto insurance from two different insurance companies without terminating the initial insurance with the first company but when an accident occurs, the agreement in your car insurance policy will applied, and this may mean that both companies pay half is the cost for the accident each.

Another important thing to note regarding auto insurance is the deductibles which are based on the agreement in the auto insurance policy. Deductibles are deducted only once in cases of an insurance event involving both third party liability and damages under the comprehensive auto insurance.

No deductible will apply in situations such as:

1. Damages from a known liable tortfeasor

2. Damages from fire, explosion, lightening or theft

3. Damages from items falling on the car.

Furthermore, there will be additional deductible if there is driving damage to the car by another person other than the policyholder, or any registered user of the three car under the auto insurance policy.

There are certain accidents which your auto insurance policy may not cover. Under the liability insurance, your auto inside policy does not cover;

1. Injury to the driver

2. Damage from the carriage of goods by road under the acts of contract

3. Damage to attached vehicle

4. Damage which occurred at the time the vehicle was rented out unless it can be proved that the damage is as a result of occurrence which is in accordance with the auto insurance policy

5. Damage to items belonging to the driver, policyholder, anyone stated in the auto insurance policy it a regular user.

The following accidents are not covered by the comprehensive auto insurance:

1. Damage resulting from weather conditions

2. Damage car parts during repairs unless it can be proved the damage had occurred during the driving or by fire

3. Damage in the electrician and mechanical parts the vehicle, unless it can be proved the damage occurred in accordance with the auto insurance policy

4. Damage resulting from reckless driving i.e. Overheating or no change of oil

5. Damage which occurred while the car was rented out

6. Damage which occurred from intoxication of the driver

7. Damage caused intentionally by grid negligence

8. Loss of the car due to seizure of the car by law enforcement authority

9. Damage under warranty and guarantee

10. Damage from usage of the car such as wear and tear, scratches on the car body and so on.

Duration of the auto insurance policy is based on the agreement between you and the insurance company. Most auto insurance agreement are annual and are renewed yearly unless it’s canceled in writing by the policyholder or the insurance company with a month’s notice.



Source by Mike Heuer

4 Online Games with Free Trials

The world of online gaming can daunting to new players. Not only are there about a bajillion games out there rivaling for your attention, but the prices of the games can often dissuade new players who want to try the games out. Not only that, but going to the store, buying the game, installing it and then signing up for the subscription can be a pain. Luckily for you, lots of online games now offer free trial periods. You can go to the links listed below, download the game, and play the game for free for a week or more. But be careful. These games are notoriously addictive. Before you know it, you may find yourself spending hours of time exploring a new world you had not known exhausted.

  • City of Heroes: If superheroes and mega-villains are your speed, you'll definitely want to check out City of Hereos / City of Villains. This super-hero MMO allows you to create your very own character complete with skin-tight clothes, capes and all the world-shattering powers you'd expect to find in a world populated by heroes and villains. Get your 14 day free trial by going here: [http://www.cityofheroes.com/promos/covfriendpass.html]
  • Lord of the Rings Online: The world of Middle Earth comes to life in The Lord of the Rings Online. Explore the world of Gandalf, Frodo and all the nasty beasties of Mordor with the 7 day free trial. Go to: http://www.lotro.com/trial
  • World of Warcraft: The most popular online game in the world, World of Warcraft has over 10 million subscribers. That's 10 million people who run around the absolutely massive world of Azeroth. They explore, fight, cast spells, and all sorts of stuff you would expect to see only in the movies. Try it free for 10-days by going here: https://signup.worldofwarcraft.com/trial/index.htm
  • Eve Online: Space. It's a big place. And if you want to explore it, you can do so in Eve Online. Create your own avatar and pilot your ship through the vastness of space. Hunt pirates, mine asteroids, trade goods between systems, or form your own corporation to contol the universe with unrestricted greed. Try it out with a 14 day free trial: https://secure.eve-online.com/ft/?aid=102321&bid=&nogreet=1



Source by Alistair McMaster

Why You Should Use Bus Charter Services

There is no greater nightmare than trying to make travel arrangements, especially when you not only need to make the plans for yourself but for an entire group! In such a case, you will need a vehicle that will be able to accommodate everyone and meet all his or her needs during the tour. You may also end up using separate cars with different drivers. Instead of all that hassle, you should definitely choose a bus charter service as it would deal with all the things that may be stressing you out.

There are advantages that are associated with the bus charter services and they include:

Eco-friendly

Many people are of the belief that buses cause much more pollution and end up consuming more fuel in comparison to the normal cars. While that is true, you should know that they would consume less fuel and end up polluting less when compared to having a car for everyone on the bus. In a group of say 50 people, you can fit in a bus while the normal car may end up accommodating four or five. This means that if you do not choose a bus charter service, then you end up hiring so many cars to satisfy the whole group. This increases the traffic on our roads; consume extra fuel and ultimately more pollution.

Saving money

When you choose a bus for travel, then you reduce the burden on your wallet as well as the environment. Hiring a bus is more affordable than ending up arranging for cars for everyone in the group. When you choose a bus transportation, you can easily split costs with the others. Bus charter service may seem an expensive option but when you consider everything, it is an affordable option for everyone, especially when you have enough people in the group.

Better safety

When all factors are considered, the bus charters are safer than the ordinary cars. According to studies carried out, these have been in fewer accidents when compared to other kinds of vehicles. Even in the event of an accident, the injuries are minor as compared to other forms of transport. This is because the buses have to go through very strict standards before they can hit the road.

Comfort and convenience

When you choose bus charter, you feel free to simply relax and enjoy the tour. The driver is left with the task of planning the route, the parking, and all the stopovers that need to be made. When you hire different vehicles, you worry constantly about when everyone will get to the destination. With a bus charter, however, everyone is in the same place at the same time. This means that in case of any eventuality, you can stick together and figure a way out together.

Every bus charter company should ensure that the customers are safe all the time. You can tell a bus company is serious if they have made sure that all the seats have safety belts. It is important to meet all the seat belt regulations in the area of jurisdiction. Make sure that you do spot a first aid kit in the coach. Safety should always be upheld.



Source by Shalini Madhav

Researching Local Car Dealerships When Purchasing A Car

It's quite possible that purchasing a vehicle is the second most expensive acquisition you will ever make, next to owning your own home. With such a large amount of money needed for a vehicle purchase, a smart investment would include doing your research on not only the type of vehicle you want, but also the dealership you want to patronize.

When researching local car dealership, word-of-mouth is an invaluable resource. When someone you know and trust has had a good, or bad, experience at a local dealership it will help to point you either towards or away from said dealership.

If your best friend went to Buddy's Cars (for example) and had a great experience and walked away with a great deal, you are much more likely to want to give Buddy's Cars a chance to earn your business, right? Whereas if your friend went to Grumpy's Autos (for example) and had an unfriendly salesperson who would not bargain with them on the price of the vehicle, you are likely going to be uninterested in giving Grumpy's a chance.

Once you have narrowed your auto search down to the make and model you desire, it is then easier to narrow down your choice of dealerships because of the types of cars they offer. Whether you're looking for a new or used car, find a dealership that specializes in the type of car you want. They should not only have the largest variety in-stock, but they should also be the most knowledgeable about that particular vehicle.

Negotiating the price of a vehicle is torture for some people; for others it's a natural high to get a great deal. Whether you enjoy it or not, negotiating is a big benefit to the customer when purchasing a vehicle. If the dealership is not willing to come down on the price of their inventory, simply find another dealership that will. Sometimes negotiations take multiple times back and forth from the salesperson to their manager and back to you until you can all agree upon a final price. There really is no reason to pay full sticker price on any vehicle, new or used.

Do your research before car shopping to see what the car you are wanting is worth. If you have a trade-in vehicle, check out sites like http://www.kbb.com or www.nadaguides.com to find out what amount you can expect to get for your trade ahead of time. It helps to have a final amount in mind that you are looking to spend for the new vehicle, with or without a trade-in. Many dealerships have websites that show their current inventory automatically, so you can know what they have in stock before you physically visit them.

Financing options are important to any consumer who is going to need financial assistance with purchasing a vehicle. You can either be prepared by getting pre-approved from your own financial establishment (a bank or credit union), or you can go through whatever financing options the dealership offers. Many dealerships have relationships with local banks and credit unions that will help you get the car you want. It's a nice benefit when dealership offer several financing options to choose from.

Finally, each dealership and really each salesperson at each dealership has their own personality. You will feel most comfortable with someone you fall is trustworthy. If you do not get along with, or feel assured by, your salesperson or dealership, there are most likely plenty of other dealerships that are hungry for your business and will treat you well. You are the ultimate decision-maker, and you have the right to make whatever choice you want. Purchasing a vehicle can be done in one day if that's how you want to do it, but if you would rather start by simply looking around and doing some window shopping, no one should be able to force you into making a rush decision. You will be happiest with a vehicle that was a well-planned purchase from a dealership that was respectful of you and your budget.



Source by Jason J Junge