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Marie Silver on cellphone TMZ


Obama : How far will the text messaging ban and the teolephone ban help in bringing down the auto insurance premium?

Response : This is something very interesting and something only time will prove. Yes, however the statistics do say that 2 to 43 chances of accidents are likely with text messaging or phone conversation. Recently most the states accepted avoiding distracted driving – ban for cell-phones and text messaging. How effect is this? The photographs above shows Maria Shriver, Schwarzenegger wife using the cell-phone whilst driving.

A law that took effect in July 2008 requires California drivers to use a handsfree device when talking on cell phones.
Since then, the California Highway Patrol has issued more than 150,000 citations. That figure does not include citations issued by local police. Drivers who are spotted by law enforcement officers holding a cell phone to their ear are subject to fines of at least $20 for the first ticket and $50 for subsequent tickets, plus additional fees.

Now consideringhow this will be helpful in low auto insurance let me tell you that the text messaging and cell phone ban will bring down the auto accident rate which is as hgih as over 30% in most places on account of distracted driving. Assuming that this is reduced by at least 15% and the expense and claims are reduced by 15% – the auto insurance premium would be lowered by atleast 10%. The reason for this is because the claim expense for a large part of loading on the auto insurance rate. Thus you will get a low auto insurance rate. I hope this helps.

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Andy Jekins: My car insurance bill was due about 3 weeks ago, but I didn’t pay for it yet. Will anything happen? Will they tow my car or will they just make me pay an extra fee?

Some insurance give you a 30 day grace period and then send you a cancellation notice. The notice is usually 10 days before the cancellation date. Very few carriers actually cancel the policy one day after the due date.

In many states, there are strict laws concerning lapsed insurance. In Georgia, if policy is cancelled the Dept. of Motor Vehicles is notfied after 10 days and will be fined. If it is your first offense, just pay your insurer to reinstate  your policy. If it is a second offense, the fine is bigger. If you donot pay the second fine your license will be suspended and your registration revoked.

If your vehicle is financed, your lein holder can force insurance on you.

Now, the worst thing that can happen is if you have an accident without insurance , hurt or kill someone or damage a property the liablity can be very high. You will loose all your assets and the cost of the legal matters could be very high. You might be put behind the bars for not being able to pay or for the offence of being a reckless driver without any insurance. The consequences can be very bad.

Presently in USA 1 driver out of every six drivers is driving uninsured and the insurance companies are planning to have an extra fine for being without insurance and hence your insurance premium could also be very high in the future. Imagine hurting someone you love in an accident and not getting the money for their medical expenses.

Honestly, this is a very irriational step or even a thought. Please instead compare auto insurance quote online at compare auto insurance quote 411 and you will be amazed at the low auto insurance premiums available. These are free online car insurance quotes.

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Keith, here are some mre safety features which help you in maintaining safety and save on auto insurance premiums. Namely :

a) Restraint systems: Belts, airbags and head restraints all work together with a vehicle’s structure to protect people in serious crashes. Lap/shoulder belts hold you in place, reducing the chance you’ll slam into something hard or get ejected from the crashing vehicle. If you aren’t belted, you’ll continue moving forward until something suddenly stops you—often a hard interior surface that will cause injuries.
b) Anti-lock brakes:
When you brake hard with conventional brakes, the wheels may lock and cause skidding and a lack of control. Anti-lock brakes pump brakes automatically many times a second to prevent lockup and allow you to keep control of the car. If you were trained to brake gently on slippery roads or pump your brakes to avoid a skid, you may have to unlearn these habits and use hard, continuous pressure to activate your antilock brakes. Anti-lock brakes may help you keep steering control, but they won’t necessarily help you stop more quickly.
c) Daytime running lights
Daytime running lights are activated by the ignition switch. They are typically high-beam headlights at reduced intensity or low-beam lights at full or reduced power. By increasing the contrast between a vehicle and its backgrounds and making the vehicles more visible to oncoming drivers, these lights can prevent daytime accidents.
d) On the road experience
Other design characteristics can influence injury risk on the road. Some small utility vehicles and pickups are prone to rolling over. “High performance” cars typically have higher-than-average death rates because drivers are tempted to use excessive speed. Combining a young driver and a high-performance car can be particularly dangerous.
You can easily get low auto insurance with these features.

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Keith : What is considered a safe car from the insurance purpose?
Response : Keith, this is an excellent question. Insurance will consider a car which has high safety standards as safe since this would ensure that the persons would be safe. This is a very vast topic and so for now will touch only on the main features of the car. Many automakers offer safety features beyond the required federal minimums. The following safety features should be considered when purchasing a car:
a)Crashworthiness: Reduce the risk of death and serious injury in case of an accident http://www.highwaysafety.org
b)Vehicle structural design : A good structural design has a strong occupant compartment and front and rear ends are designed to buckle and bend in a crash to absorb the force of the crash. These crush zones should keep damage away from the safety cage because once the cage starts to collapse, the likelihood of injury increases rapidly.
c)Vehicle size and weight : The laws of physics dictate that larger and heavier cars are safer than lighter and smaller ones. Small cars have twice as many occupant deaths each year as large cars. In crashes involving smaller and larger vehicles, heavier vehicles drive lighter ones backwards, decreasing the forces inside the heavier car and increasing them in the lighter car.
These are the basic features which should be kept in mind. Compare cars before buying them and always compare auto insurance and reveiw car insurance once you have a car.

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Question : Libra : If  I am shopping for an auto insurance quote that will NOT effect my credit (score) in any way right?

 Answer : Libra, you are right with the fact that insurance companies do look at the credit score before they underwrite and rate an auto insurance policy.  Some insurance companies refuse you insurance if your credit score is not good. On the other hand if your credit is good than your car insurance premium can also reduce by 50%.

Now coming to the point of whether your credit score is affected in any way than let me reassure you that this is not the case. If you are applying for a line of credit or a credit card or a loan and a credit enquiry is done for the same, your credit score will certainly be affected which is a hard hit. The hit which is made by the insurance company is considered a soft hit, which will not affect your credit rating.

The bottom line is this; your credit scores can affect your insurance rates. It is true in most states that the better your credit score, the lower your auto insurance premiums will be. You can compare for free, quickly and conveniently without any obligations the multiple quotes offered online and narrow down your search to the cheapest quote. Once you have the two cheapest quotes you can make enquires about the coverage and the insurance company before you decide with whom to insure.

Thanks.

Kamlesh

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