Reasons to Get Automobile Insurance

By: Michael Hunter


If you are having money problems, driving without car insurance can seem like a good idea to save a little money. However, this is an extremely bad idea because you are only a moment away from an accident. This article is going to tell you why you should never drive without automobile insurance.

The point of car insurance, like all other insurance, is to hope you never have to use it; but, you are prepared and have it in case something was to happen. The worst thing that can happen is getting into an accident and not having insurance, so do not try and save money by cutting car insurance.

If you do not have car insurance and are wondering if you should get it; or, if you are just wondering why you should have car insurance before driving, here are some of the top reasons:

1. If you are involved in an accident and neither you nor the other driver has car insurance, and you require medical care, you will not be covered by any form of personal liability insurance. Personal liability insurance comes with auto insurance packages, and you will lose a lot of money, more so than if you bought auto insurance, trying to pay your medical bills.

2. If you cause an accident and you have no insurance you are leaving the victim in a tight spot. If an accident is your fault than your insurance company is suppose to pay the other drivers company, who in return would pay that driver. However, by not having insurance, you will probably have to pay to fix that persons car with your own money.

3. If your car was either stolen or you got in an accident and had to try and pay the cost of either fixing it or replacing it, you could be looking at no transportation for a long time. If you are trying to save money by not paying for car insurance, you are probably not going to be able to fix or replace a car anytime in the near future. This will hinder your ability to get to work or go places period which will lose you money.

4. You may think that you are not breaking any laws, but you are. If you are driving without car insurance you are driving illegally, which is against the law. Also, if you are caught without car insurance you can loose your license.

5. If you are caught driving without insurance you will be moved to the high risk category for car insurance. This will raise how much your car insurance premium will be when you go to get car insurance, which is a bad thing.

From potentially spending more money than you are saving to breaking the law, there are many reasons for you to get car insurance. There is no good reason for you to drive without automobile insurance and you should never leave the driveway without insurance. Hopefully after reading this article you understand the importance of car insurance and you will be on your way to finding a good auto insurance quote.

Automobile Insurance Terminology

By: Jude Wright


Most states require that a vehicle be insured before it can be driven on public streets and highways. It is important to understand the terminology of your auto insurance policy so that you know that you have the necessary insurance coverages for your area. Take time to review your car insurance to make sure you have what you need.

Deductibles:  The deductible is the portion of a covered loss that is your responsibility. The deductible applies to each covered loss. Deductibles vary by state but are typically in the amounts of $100, $250, $500 or $1,000. Usually, the higher the deductible the lower your premiums. Of course, the amount you must pay out of your pocket increase with the higher deductible.

Coverage: There can be many types of coverage included within one single auto insurance policy. Insurance coverage requirements vary by state and usually include the following types of coverage:

Liability: Liability coverage pays for accidental bodily injury and property damages to others when the insured person is legally responsible for an accident. Bodily injury damages include medical expenses, pain and suffering, lost wages and other special damages. Property damage includes damaged property and may include loss of use. Liability coverage also pays defense and court costs.

Personal Injury Protection: Personal Injury Protection is required in some states. It pays medical expenses for covered persons, regardless of fault, for medical treatment due to an auto accident.

Medical Payments: Medical Payments Coverage is available in most states. It pays medical and funeral expenses for covered persons, regardless of fault, when those expenses are related to an auto accident.

Collision: Collision coverage pays for damage to a covered vehicle caused by collision with another object or automobile.

Comprehensive: Comprehensive coverage pays for loss of or damage to a covered vehicles, not caused by a collision or accident. Examples include loss caused by fire, wind, hail, flood, vandalism, theft or hitting an animal.

Uninsured Motorist: Uninsured Motorist coverage pays damages when a covered person is injured by an auto accident caused by a driver who does not have liability insurance.
Rental Reimbursement: Rental Reimbursement pays car rentall expenses when your auto is disabled due to an accident.

Emergency Road Service: Emergency Road Service pays expenses incurred for having your auto towed as a result of a breakdown.

Who is covered under an auto policy?

Your policy usually covers you, your spouse and other relatives who live in your household and others who have permission to drive one of your covered vehicles.

Automobile Insurance in Illinois is Not 'No Fault' Insurance. But PIP Endorsement Can be Added

By: Ed Sneineh


First Party coverage in car insurance relates to the coverages which the policy offers to the individual insured. Two main parts of automobile insurance coverage are medical payments (Med Pay) and Personal Injury Protection (PIP). The type of insurance coverage chosen will fluctuate depending on what is requested in each state. It is very necessary to learn these two very different types of insurance coverage and how it will handle any probable car insurance claims.

Both Medial Payments Coverage and Personal Injury Protection are regarded as 'first party coverage.' This suggests that it applies to the named insured or member of the insured's household, the passengers of the insured and certain others on occasion.

Understanding Medical Payments (Med Pay)

Medical Payments Coverage is compulsory in some states that do not have 'No Fault' laws in place. Med Pay Coverage will pay for acceptable medical and burial expenses due to bodily injury or death that is brought about by an automobile accident.

The limit of liability for Med Pay Coverage is stated in a auto insurance policy declaration page. There is a limit on medical payment coverage. This is the limit per qualified injury party related to the accident. Ultimately, Med Pay Coverage will allow for the injured party to receive medical treatment and not worry about the costs associated with that treatment. The most typical limits on Medical Pay are $1,000 to $5,000 per person, although a limit of $25,000 is obtainable with some companies, normally preferred companies. Certain non standard companies provide up to $1,000 per person.

Understanding Personal Injury Protection (PIP)

Which party is legally responsible for paying for bodily injury in case of an auto accident? You, or the other operator? In jurisdictions that draw from the "tort liability" system, the individual that prompted the damage is the same one that is determined to be responsible for having to pay all the damages. What about if you were, to a certain degree mostly responsible for an accident, who will pay for your bodily injury? To eliminate the course of the operator looked at as not to have caused an accident having to file a lawsuit the other driver's insurance company to cover damages, PIP policy was 'invented' to deal with that issue. States that embraced PIP policy are called the "no fault" states. Fifteen states as well as the District of Columbia require following the 'no fault' system, hence requiring automobile insurance policies to include the Personal Injury Protection or PIP,. These states are: Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, and Utah.

Illinois is one of the states that still feature the traditional "tort liability" systems in which there are no constraints on law suits. To get paid for your bodily injury you must sue someone, and you may win based on the particulars that your adversaries were negligent and induced your bodily injury that specifically caused you loss and suffering. That is why medical payment is even more important in Illinois: You do not have to sue any one to collect it. Remember that the fact that Illinois, or any similar state, is not an 'at fault' state, it does not prevent auto insurers to endorse their policies to embrace the PIP. But with the intense competition among car insurance companies, only few give you the choice to have the PIP endorsement, at additional higher price.

Coverages and Limits: Despite the fact that PIP minimum coverage limits vary between involved states, they are similar in that the benefits usually cover most injury-related costs including: medical bills, lost wages as a result of injuries, payments for loss of services, burial expenses, and death benefits. The PIP can also cover bills associated with certain psychiatric assistance in connection with bodily injury, physical or occupational therapy and any rehab costs associated with car insurance claims.

Typically, damages such as pain and suffering, and emotional distress and inconvenience are not covered by no-fault insurance coverage. In addition, PIP does not provide any protection for any injury caused by work related auto accidents.

Finally, if you live in a 'no fault' state, there is one reason to not purchase both Med Pay and PIP insurance. There is an overlap in coverage. This is because PIP insurance provides more coverage in case there is a need to file medical claims related to a car accident, regardless of fault.

Deductibles on PIP Liability: Most people in 'no fault' states are used to the PIP policy without any deductibles, although it is not uncommon to find some companies offering PIP with deductible.

Flood Insurance – A Step Ahead

We have listened about many insurance schemes for car insurance, life insurance, dental insurance, home insurance, boat insurance and health insurance etc. But an insurance scheme has also been launched by The National Flood Insurance Program. It is having its agencies which also regulate the work of providing insurance for flood claims. At most the places anyone can get flood insurance from where they get home insurance but where this facility is not available at that place NFIP get active. They provide reasonable quotes for the flood insurance. For excess coverage NFIP provide different schemes and it is especially for the prone areas which mostly get affected by floods. There are two kinds of policies for the floods: • Primary flood insurance • Excess flood insurance In primary insurance they give coverage of $250000 for home $100000 for contents and $500000 for business. This coverage is not too huge as they are good for small houses but for large empires and multistory houses this amount is not so sufficient and a huge amount will go from the owner’s pocket. So, more investment is needed especially in flood prone areas. In cases of excess flood insurance the amount invested is huge and the coverage is also up to a larger extended. They take the responsibility of rebuilding the house and also cover the loss caused by the flood. One should definitely go for excess flood insurance scheme if he or she is having a greater danger of flood and that amount does not come under the NFIP guidelines. One should always play a safer game and get best out the deal. Only searching for the lowest quotes is not intelligent in every case. One should look for the security too. If the risk is higher then there is no harm in investing more as in case if you will suffer some tragedy you will not suffer any loss and you will also live a relaxed and tension free life. So always go for some thing new and never feel hesitation in investing in insurance schemes as they will secure your future only. Even if you are not interested in investing right now then also don’t miss a chance to gain knowledge out of it. Who knows at what time in future you will be in need of such insurance in future. Its better to be aware and gain knowledge at every point in life.

Auto Insurance: How much is enough?

Infographic provided by http://www.bankrate.com/finance/insurance/auto-insurance-infographic.aspx. This infographic explains how much car insurance you need. Make sure you're protected, get automobile insurance today!

Other auto insurance articles:
10 Worst Rated New Cars to Own and Insure
[Infographic] What Determines My Car Insurance Rates?
Insurance Bargains: Infographic of least expensive vehicles to insure
Anatomy of a Motorcycle Accident: Why you need Motorcycle Insurance
Why is my car insurance so high?! Factors that affect your auto insurance and what to do.

If you're an Arkansas resident and want to get a free car insurance quote to see how much you can save, call  (479)-968-2633  today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.

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10 Worst Rated New Cars to Own and Insure

It's sad this applies to almost all advertisements now!

Anyone who's ever seen a big mac on the McDonald's advertisements knows that is not what you get when you order the sandwich at the restaurant. Nearly all advertisements employ this tactic, including the automotive industry. With the increased production and reduced quality of vehicles today, you wouldn't know the shortcomings of most vehicles by their commercials. These ads all post how well the vehicle does in their own “inspections” and “tests”, but they are rarely compared to other vehicles. These companies also advertise mostly on the volume of sales, instead of the quality of the autos.

Below is a list of the 10 vehicles that are built the worst, and their quality is not reflected by the price you have to pay on several of these big-name brands. I implore you to skim over this list before you start auto shopping, as you may be paying more on your car insurance because you couldn't avoid an accident or your vehicle totaled itself out in your skirmish with the ditch during a rainstorm.

10. Toyota FJ Cruiser

Hope the blind spots don't put a
nasty spot on your car insurance!

This vehicle starts the list because of its rankings from Consumer Reports road tests, which conclude it has some of the worst blind spots, along with bad marks on riding, fuel economy, vehicle handling, and accessibility.

9.Smart ForTwo

While this vehicle was rated the best at parking it basically anywhere, and they loved how tight the steering is, it has several glaring weaknesses that put it on this list. Namely the awful acceleration, poor transmission, bad ride and horrible handling. It may seem like a great thing that it has amazing fuel economy, but that is moderately offset by it requiring premium fuel. Not very smart for a smart car if you ask me.

8.Jeep Wrangler Unlimited

Great off road, bad on road

This vehicle is designed for off road, and it does that job very well. The drawback to not living in an area that requires constant off road travel will be a rough ride and bad handling on the pavement. This vehicle's worst statistic is it's comfort and convenience for that very reason, and its a small price to pay if you need a sturdy box that can handle the toughest road conditions. As long as it isn't a paved road.

7.Jeep Liberty

You got big shoes to fill, Liberty...

For a vehicle that was supposed to be the successor to the Jeep Cherokee, this vehicle isn't up to snuff. This vehicle ranked at the bottom of its class in fuel economy, but was the number one in horsepower. People with big feet beware, one of the main complaints was that the foot wells were too narrow. Among other peeves on the car was it's braking, handling, and uncomfortable front seat.

6.Jeep Compass

Not the worst, but not good

As with most vehicles in the “bad, but not horrible” range of consumer reviews, this vehicle has most of the same problems that its peers possess: bad engine noise, braking, handling, rear visibility, and driving position. Strangely it also has lackluster front seat comfort, which is strange considering of all the seats that should have comfort, you'd think that the front seat would be the most comfortable...Maybe they just don't want you to fall asleep at the wheel, or get a slipped disc, there's really no telling with car companies now.

5.Dodge Ram 2500 Diesel

This is the big jock of the car world

It's getting to be a hard life for the heavy-duty pick up trucks, which have a bad rap for being the most problematic vehicles on the road today. This truck is unfortunately a member of that club, despite having great towing and payload abilities. This is probably attributed because of the vehicle's low scores in ride, handling, transmission, reliability, and cost. One of the more unique complaints I heard of this vehicle is its height, and I can only imagine some smaller framed person having to leap into this vehicle to step in to it effectively.

4.Dodge Avenger

Poor Avenger, always beat by big bro

This more affordable option to getting a Charger may not be worth the savings. There are several issues with this mid-size sedan, including its engine noise, acceleration, braking, transmission, fuel economy, and rear visibility. This car has very poor fuel economy, ranking lowest in its class, but it is top 9 in horsepower. With great power, comes great deficiencies in most all other facets of your abilities seems to be the mantra of this second-banana to the other muscle cars that have come out this year.

3.GMC Yukon

Are you good if you're the 3rd worst?

This vehicle has almost the same specs as the Cadillac Escalade, so it is very similar in pros and cons. However, it is improved upon the Cadillac model by having superior fuel economy, while maintaining 9 passenger seating and up to 9,600 pounds of towing power. This vehicle's position being in the top 3 of the worst built new cars of 2012 is not good, but it's not the worst of the new range of vehicles that hit dealerships around the nation.

2.Chevrolet Colorado

Nothing says "heavy duty"
like a 5-cylinder...

Despite being one of the most affordable entry level trucks on the market, the Colorado suffers from a myriad of shortcomings. Even the extended cab is more compact than its competition. Even though this is a supposed, “heavy duty” truck, the smaller 3.7-liter 5 cylinder engine is nowhere near as powerful as a V6. There are a number of nuisances as well that customers have complained about, namely the acceleration(from the smaller engine) braking and accident avoidance, which isn't a good recipe for your car insurance. There's also an issue with the quality of the ride and unsettling engine noise that makes you want to reconsider owning one of these vehicles.

1.Cadillac Escalade

Famous people may like it,
but they're rich!

While this vehicle may be one of the most well-known and popular SUV amongst the rap moguls and movie stars, word of mouth can only go so far. While it may have awesome horsepower and size, this beast of a vehicle has some of the worst braking and the second-to-last in fuel economy. It also has poor handling and tanked its crash avoidance tests. This pricey SUV makes a statement, but there are more practical options if you don't need the size and power this vehicle provides.

All of these vehicles may sound or look good from their advertisements and "personal testing" they have done. With most things now we are seeing that peer reviews and comparisons are becoming a more popular and less biased way to determine true vehicle value. Always do your research before you go out and buy that new vehicle because someone famous drives it or it has sold so many. It may be selling so many because it doesn't last very long. No matter how safe a vehicle may appear to be, make sure you keep auto insurance as it is required now in most states, and can save you a ton of money on repairs and liabilities.

If you're an Arkansas resident and want to get a free car insurance quote to see how much you can save, try our new online quote generator, or call  (479)-968-2633  today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurance we provide.

Leave a comment if you know of another badly built car that came out this year, or if you have had good experiences with the vehicles mentioned here!

Other articles about cars and car insurance:

[Infographic] What Determines My Car Insurance Rates?

Why is my car insurance so high?! Factors that affect your auto insurance and what to do.

Sources for this info and images:

http://www.thedailymeal.com/lets-compare-fast-food-ads-real-burgers/

http://www.forbes.com/sites/jimgorzelany/2012/03/19/the-worst-built-cars-for-2012/

http://www.forbes.com/pictures/ehmk45ghgl/cadillac-escalade/#gallerycontent

http://www.kbb.com

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The Most Expensive Home Insurance Claims Infographic

This infographic comes from http://www.answerfinancial.com/insurance-center/most-expensive-home-insurance-claims-infographic/ and it covers "The Most Expensive Home Insurance Claims" from 2005-2009. Really well made and informative. Enjoy!


Home Insurance – AnswerFinancial.com

Just because you have home insurance doesn't mean it has to be expensive! Or if you don't yet have home Insurance and are in the Arkansasarea, contact Tberry's Insurance so we can help make sure your home,  business and vehicles will be safe and secure. Call  (479)-968-2633  today! Tberry's Insurance is a full-line Arkansas Insurance Provider. We cover home, auto and business insurances. Visit our site to see all the insurancewe provide.

Leave a comment if you know any other ways to save on boat insurance!

Visit our site: http://www.tberrysinsurance.com

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