Auto Insurance


Truck accidents can happen due to a number of causes. Driver negligence can be one of them. Faulty equipment or poor maintenance of the vehicle can all be factors that contribute to the crash. Drivers are also prone to distractions, including cell phones, and can cause truck accidents. Whether the driver is a new or experienced driver, the following tips will help you prevent a truck accident. Here are some common reasons why truck accidents happen.

Distracted driving

Many people are concerned that distracted driving is a big factor in truck accidents. Distracted driving can have many causes, from smoking and eating inside the truck to other distractions such as talking on the phone, reading the newspaper, or your companion animal. It also causes you to be less alert to road conditions, and even a momentary distraction could result in a tragic accident. Distracted drivers are especially dangerous because they cannot react to road conditions as quickly, and the result is a truck crash.

Driver fatigue

Many factors can lead to a truck accident, including fatigue. Having too little sleep causes drivers to lose concentration, experience slowed reaction times, and make errors on the road. Consequently, accidents caused by fatigued drivers can have devastating consequences. These accidents result in serious injury to victims and significant property damage. Fatigued truck drivers often cause catastrophic injuries. Listed below are some causes of truck accidents caused by driver fatigue.

Faulty equipment

Often, a truck accident is the result of faulty equipment. When large trucks fail to function properly, they can become uncontrollable, crashing into other vehicles and structures in its path. It is also possible for a truck to suddenly break down and cause a massive pileup. In a landmark study conducted by the Federal Motor Carrier Safety Administration, vehicle failure was a contributing factor in 29.4% of truck accidents and 33.1 percent of two-vehicle collisions.

Poor vehicle maintenance

Whether you drive a commercial truck or a family sedan, routine vehicle maintenance is crucial. Failure to do so can lead to tragic consequences, including accidents and injuries. Changing worn tires, not checking wipers or blinkers, and not performing preventive maintenance are all examples of poor vehicle maintenance that can lead to serious accidents. Even simple things such as not checking oil levels can cause serious problems, putting the safety of everyone on the road at risk.

Driver distraction

Truck accidents are often attributed to distracted driving. Truck drivers must constantly maintain the speed of their large, heavy vehicles. In addition to staying within their lane, they must pay attention to hazards on the road. When a truck driver is distracted, it is easy for him or her to miss important details and cause a crash. The result is often serious injuries or even fatalities for both passengers and drivers. These accidents can be prevented by recognizing the signs that signal distracted driving and making adjustments to keep safe.

What should I do in the days following a truck accident? Contact a good truck accident attorney as soon as possible.

Wrongful death cases are the most serious of all personal injury cases. Generally, it arises when a person’s negligence or intentional acts cause the other person’s death. The dead person’s survivors pursue them to seek redress for the losses from the decedent’s death. These claims are very common in medical malpractice cases and can also arise in many other situations, like cases of death resulting from automobile accidents, nursing home abuse, and using dangerous products.

It would be in the family’s best interest to contact an Orlando Personal Injury Lawyer to get successful compensation.

How to prove a wrongful death claim?

Most wrongful deaths are based on the theory of negligence–which means the decedent’s death was caused due to an accident rather than intentional conduct. In order to prove that negligence was the cause of wrongful death, the plaintiff must prove all the four elements of a standard negligence cause of action, which are mentioned below.

1. Duty

It is the legal obligation of a person to act in a certain way in front of another person. For example, doctors owe their patients a duty to treat them appropriately. Every driver owes their passengers the responsibility to provide them a safe ride by obeying every traffic law and refraining from causing danger.

2. Breach

A breach of duty happens when a person’s conduct falls below the law’s requirements. For example, the plaintiff can show a breach of duty by showing evidence that the doctor exercising reasonable care would not have prescribed medication to which the patient was allergic. In case of an automobile accident, the plaintiff can show that the other driver breached their duty of care by submitting evidence that the other driver was violating traffic rules.

3. Causation

It exists when breaching of duty by the defendant, the plaintiff would not have suffered harm. In an automobile accident, the plaintiff can show causation by submitting evidence that they would not suffer injuries had the other driver been driving the group.

4. Damages

Damages exist when the plaintiff suffers injuries that are compensated through monetary compensation. It is fair and easy to show–the plaintiff has to submit the medical bills due to treating their injuries.

Prevailing wrongful death claim

 In order to prove a wrongful death claim, the plaintiff must show:

  1. The defendant had the duty to the decedent to refrain from causing any harm the decedent suffered.
  2. The defendant breached their duty by acting recklessly, carelessly, or otherwise failing to perform the duty of care owed to the decedent by law.
  3. The defendant’s actions caused harm and eventually the death of the decedent.
  4. The decedent and the survivors have suffered losses due to the death.

Gone are the days when getting a bike insurance policy meant actually visiting an insurer’s office or even calling an insurance agent to meet you. Nowadays, you can apply and pay for a policy online without hassle. So, if you are about to buy an insurance policy for your two wheeler, then you are at the right place. Read on to know all about paying for the policy.

The cost of bike insurance

It is hard to mention a specific cost for bike insurance because it varies from one insurer to another. Also, it depends on a host of factors. For instance, a new bike will cost you more in terms of insurance than an old one. At the same time, insurance policies tend to cost more when you stay in the city compared to staying in a rural area or town.

In other words, the cost of an insurance policy varies based on the insurer and risk assessment of your vehicle. In a city, your bike has a greater risk of getting into accidents or theft. Similarly, it will cost you more to repair and find replacements for a new bike model than an old one.

Thus, it is not possible to state an exact amount regarding how much the insurance is going to cost you. You will have to talk to your insurance company to get an accurate idea.

How to pay for the bike insurance policy

These days, you can buy an insurance policy and pay for it online without the need to move an inch from your home. So, considering you have sat down to submit the application and pay the premium, here’s what you need to do:

Check the details before paying

Start by reviewing the details you have filled up in the application form. Have you included the right registration number? What about the manufacturing date and bike number? Any mistake in all these details can be a cause of rejection. Therefore, be careful while filling in these details.

Choose a mode of online payment

After you submit this part of the application form, you will be redirected to the payment page. You can pay for your policy online via credit card, debit card, NEFT, or UPI. So, it is time to choose a payment mode that you feel comfortable with.

Go through the payment confirmation email

When you successfully pay the premium, you will receive a confirmation on the contact number and email ID you mentioned in the form. Go through the confirmation and see if the payment details are correct. Also, you will get the related policy documents in your mail.

The final note

The insurance companies have taken steps to ensure that paying for a bike insurance policy is as simple as possible. If you still encounter any issue or face a problem, then you can always contact customer support for assistance.

If you are looking for an affordable auto insurance policy, be sure to look at the coverage provisions and policy exclusions. These will detail what the insurance policy covers and what the insurance company is responsible for. You should also read the legal responsibilities of both the insurance company and the policyholder. If you have any doubts, ask a trusted agent or representative for advice. Many insurance companies offer a no-fault system for resolving car insurance disputes.

Uninsured motorist coverage

Depending on your state’s insurance requirements, according to car accident lawyers, uninsured motorist coverage on your auto policy may be mandatory or optional. It pays for the damages caused to your car and medical expenses if another driver doesn’t have enough insurance to pay for the full cost of their own injuries. Some states have a limit on this type of coverage, which can be as high as $300 per accident. However, it is worth the extra money if the other driver is at fault and the collision wasn’t your fault.

Comprehensive coverage

If you’re thinking about increasing your coverage on your auto insurance policy, you may be wondering what comprehensive coverage actually is. Essentially, comprehensive coverage pays for the repairs of your vehicle, not the other driver’s. It’s important to understand what this coverage does, too, and how it differs from collision coverage. Comprehensive coverage will also help you if you’re at fault in a car crash, but it won’t pay for the repairs of the other driver’s vehicle.

Collision coverage

When you are hit by another car in a single-vehicle accident, you will be required to pay for repairs or replace the car. Your liability coverage will cover the other driver’s expenses if they are at fault, but you will have to pay your deductible first. Collision coverage on auto insurance is designed to help you pay for the repairs and replacement of your vehicle. The benefits of collision insurance outweigh the disadvantages.

Usage-based insurance

Before technology made it possible to track mileage and location, insurance companies calculated rates based on past driving records and geographic locations. However, as technology continues to improve, insurers can now more accurately determine how much coverage a person needs. Some insurance companies are now selling insurance based on miles driven, a concept that is not without its critics. While driving less than 50 miles per week can save a driver up to 30 percent in premiums, this model can also increase the cost of insurance.

Umbrella policy

While liability insurance covers bodily injury and property damage, an umbrella policy protects your assets from the financial fallout from a lawsuit. While liability insurance only covers up to a certain limit, an umbrella policy can cover the remaining damages. This type of insurance is generally available from Travelers Insurance. A typical umbrella policy will cover $1 million or more. However, if you have extensive assets or are involved in many accidents, you may want to consider purchasing an umbrella policy.

Auto insurance is simply a must-have for every driver on the road. Protecting your passengers and your property are only a couple of the reasons you want to be sure you have reliable car insurance. It is also unlawful if you do not carry at least the state-required minimum. The problem with good coverage is that it can be quite costly in today’s economy. Nowadays everyone who has internet 24h, television with hundreds of channels, internet in your hands or just the radio in their cars, has been barraged by advertisements promising to save you 15% or more on your cheap car insurance under $100 a month if you switch to them. Although you may want to resist those marketing ploys, you can really come out ahead by actually taking the time to compare. By investing your time and exerting some effort into your quest for discount auto insurance, you can really save a lot, but it will take you more than the advertised 15 minutes.

Even if you are happy with the auto policy you have now, being a smart shopper will bring to the surface what else is available to you. The car insurance industry has become incredibly competitive lately and many major companies are willing to offer deep discounts to get your attention and hopefully your business. With all of the discount auto insurance companies available today we have found ourselves, as consumers, literally in the driver’s seat, finding that companies are often willing to compete for your business.

There are several online resources as well to help you narrow your search for low down payment car insurance. Be sure to use these resources, as they have already done the leg work, per se, as far as helping you compare rates. Before you get too excited about a new crazy low rate, take a moment to review the coverage you currently have.

You may be eligible to receive an additional discount

Discount car insurance has the availability to have all of the coverage you need and more, but again, you want to be sure you know what you are signing up for. Ask the service representative specific questions about your driving habits and routines. Make sure you ask those tough questions about non-collision damage and the deductible rate. You want to have a list ready with your questions so that you are prepared when the time comes to speak to the representative. This will help keep you organized as well as give you a place to make notes when you are reviewing the details of the discount car insurance.

When searching for your discount car insurance, as stated before, there are literally hundreds of online sources to help you gather quotes. A large portion of these sites is an unbiased third party that actually gets paid from the insurance carrier for the policies they sell. They may be a very reputable group; however, you do not want to leave that up to chance. Once you have gathered your quotes and narrowed your discount car insurance companies down to a select few, you will need to do a bit more research before you make your final decision.

A smart shopper knows it may not be polite, but it is always very wise to go ahead and look that gift horse in the mouth, as a figure of speech. You will need to do more than just take for granted that they are an upstanding provider and have great customer reviews.

Sadly enough, some companies will pay their employees to actually go out and write customer reviews and comments posing as a customer. Although the ethics of this practice are obviously frowned upon, it still happens more than we as consumers would like to believe.

Another thing to remember is that some of the bad company reviews can be from a customer that, well frankly, has unrealistic expectations of their coverage or policy, or again, an inside written review from a competitive discount car insurance provider. So, to find accurate company ratings you may have to look past the obvious forums and blog sites and go straight to the top.

Bodily injury and property damage are mandatory, so drivers must purchase both to keep themselves legal to drive. In case a driver fails to produce proof of the coverage to an officer, chances are the driver loses the license and must pay fines. Involvement in an accident without liability coverage can cost a lot of money from penalties and court fees in case someone decides to file a lawsuit. The same thing applies to property damage because at-fault party (someone who causes an accident) must pay for all the damages by law.

Liability Coverage

Road accident often causes not only damages to the car but also injuries to other people. The at-fault party is responsible for medical expenses and compensations for pain and suffering. In some cases, lost wages become part of the compensation as well. An insurance policy lists bodily injury coverage in numbers, for example, 20/40. It means the policyholder has a coverage limit of $20,000 for injuries per person and $40,000 for injuries per accident.

Property damages apply when the accident also causes damages to someone else’s properties, for example, cars, buildings, fence, and mailbox. All repairs for damaged physical structures are the responsibilities of the at-fault party. The person must provide the money to repair or replace those things.

Liability coverage covers defense and court costs, too. Defense attorneys and court need money, but at-fault can rely on this coverage to help pay for all expenses. The states set regulations on the minimum limit of liability coverage, but policyholders can purchase a higher limit if needs be. Because medical expenses and replacement costs can be expensive, liability coverage is important for every driver’s financial protection.

Less Important yet Useful Coverage

Bodily injury and property damage protect other people’s interests. The money or insurance premium that goes into liability coverage prevents someone else from the need to pay for their own medical treatment and items repair or replacement. Policyholder also needs protections for their health and properties, but these protections are available from a separate set of coverage, for examples:

  • Collision: in an accident, after which policyholder’s car needs major repair or parts replacement, collision coverage pays the cost for those. It only applies if damages are the result of accidents.
  • Comprehensive: for non-collision damages such as theft, vandalism, fire, falling objects, and animals, policyholder can take advantage of comprehensive coverage.

For both types of coverage, there are deductibles or amount of money policyholders will pay out of their pocket in addition to the payout. For example, a subscriber who has $1,000 deductible for collision coverage should receive $4,000 from insurance company to cover a $5,000 worth of damage. Higher deductible translates to a cheaper monthly premium, this allow you to opt for $20 down payment car insurance.

The Extras

Apart from those four types, insurance companies offer plenty of other coverage, but most of these covers only lower-dollar claims. In many situations, a policyholder can cover everything out of their pocket for examples:

  • Rental Reimbursement: it pays for car rental when policyholder’s car is under maintenance or repair.
  • Roadside Assistant: it covers the cost to hire roadside service, for example, in the event of a flat tire.
  • Minor Violation Forgiveness: it eliminates the possibility of higher premium after involvement in accidents or traffic tickets.

An independent agent can help customers choose the most appropriate sets of coverage for their personal needs. If the coverage is useful for someone, it does not mean that the next person should buy the same thing either. Deductibles as flexible cost; it can go higher than the company’s standard rate if the policyholder wants. An independent agent can help in online purchases, too.

Car Insurance Online

People used to buy insurance through either captive or independent agents. Still, now most major companies allow customers to purchase auto insurance policy online, make payments via the Internet, and file claims on websites. Captive agents are no longer important parts of the process because direct sales are now possible. Some advantages of online auto insurance purchase are as follows:

  • Constant Availability: the online system runs 24/7. There is no need to make a lot of phone calls and make appointments with agents to buy auto insurance. It is a convenient feature for a busy lifestyle.
  • Instant Documents: all documents except ID cards are printable from online pages. The policy is accessible in digital form, but policyholder can print it within minutes at the point of purchase.
  • Easy Inquiry: questions and all inquiries go through emails. Every question gets to the company regardless of the time of the day and day of the week. Most companies provide FAQ sections to help first-time buyers understand common terms.
  • Potential Savings: the absence of middleman service opens the door for bigger savings. A conventional method with a captive agent gives compensation to the agent because he/she helps secure the deal.

Citizens Insurance Company Has Its Own Insurance Agents

You can get a fair discount with them as in many other companies. Citizens insurance works mainly in Florida and Michigan, but it is getting bigger, and now it is possible to get insurance with them in many other states.

To get the best rate and types of coverage, customers can use the services of independent agents. These agents have no affiliation with any company, and they do not get compensation for every deal. An independent agent works for the customer for a negotiable fee.

You probably already know that if you are involved in a car accident that wasn’t your fault, you could be entitled to make a compensation claim. It doesn’t matter if you are the person who was driving the car, a passenger, or a pedestrian who was injured by a vehicle, you have the right to compensation if you are injured and the accident was someone else’s fault. It is important to think about making a claim as you may be out of pocket due to medical expenses and loss of earnings. These are the steps you need to take if you are involved in an accident and you want to claim for compensation.

Call the Police

If the accident is serious then the police will certainly be on the scene but even if the accident is minor and no one appears to be seriously injured, call the police anyway. It is best to get an official record of the incident so that key details can be used in your claim at a later date. When you make your car accident injury claim you can use details from the official police report. This may contain opinions from police as to who was at fault.

Make Notes and Take Photos

As soon as possible, make a written note of details related to the accident, for example the weather conditions, the time, and where exactly the accident happened. Write down what happened, in your opinion. You will also need to collect and keep photographic details that are linked to the accident such as photographs of the scene of the accident and any injuries that you sustained.

Keep Relevant Documentation

Following the accident and during your medical treatment and care, keep a hold of receipts and prescriptions, doctor’s notes, and other documentation related to your injuries. You should keep X-rays and details of appointment dates and diagnoses. In addition, keep hold of receipts related to your expenses. You may need to pay for taxis to and from hospital appointments, childcare, or care for a relative. Note that you may need to pay for cancellation charges for holidays that you may not be able to take. It is also useful to keep track of the hours of work lost and any income lost as a result of your injuries.

Look for a Solicitor

When you want to file a personal injury claim for injuries sustained in a car accident you will need a specialist personal injury solicitor, for example a specialist from Don’t leave it too long to find someone – you may need to spend a little time searching for the right person to represent you. Make sure you choose a solicitor who specialises in these kinds of cases.