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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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Ross : I am based in California and I would like to know of pay- as- drive regulation for auto insurance.

Response : Good news for California auto insurance clients. The California department of Insurance has revised the draft pay as you drive regulations California’s insurance commissioner, Steven Poizner, has issued final pay-as-you-drive regulations, which will enable insurers to offer consumers rates that are based on actual miles driven as opposed to estimated miles driven.
“Pay as you drive is an innovative way to create financial incentives for California motorists to drive less, leading to lower-cost auto insurance, less air pollution and a reduced dependence on foreign oil,” said Poizner.
This allows the insurance companies to offer discounts to drivers who would prefer to have a auto insurance policy which is based on the mileage. The insurance company must get the auto insurance program approved from the California department of Insurance before they launch this program including the pay- as- you-drive-program.
The mileage have to be verified from a variety of methods like the odometer readings which can be seen by the insurer or its agents or vendors, auto repair dealers, smog check stations, self-reporting by the policyholder or a technological device placed in the consumer’s vehicle. As per the final regulations explicitly prohibit insurers from gathering location data from consumers for automobile rating purposes through the addition of a technological device.
The regulations would not affect existing multipurpose devices such as GM’s Onstar system or the use of a technological device as part of an emergency roadside assistance program.
“The primary changes from the initially proposed regulations to the final, submitted regulations include:

• Language that encourages insurers to offer a price per mile, or prepaid mile option for drivers.
• An allowance for insurers to apply to sell mileage verification policies in addition to mileage estimation policies; or they may apply to sell mileage verification policies only.
• Language that requires an insurer that offers a pay-as-you-drive plan to specify when filing with the department the exact types of mileage verification the insurer will accept.
• The final regulations explicitly require insurers to offer and make available all mileage verification methods equally, to all applicants and insured drivers with a mileage verification policy.
• The use of location data is still prohibited for most purposes. However, the final regulations make it clear that they do not prohibit insurers and motor clubs from offering optional devices to drivers to identify the location of the vehicle for the purpose of an emergency road service, theft service, map service or travel assistance service.” (extract from the publication by California Insurance regulation)

This measure is also for the saving of the environment and the green house effect. As per the data available Last August, the Environmental Defense Fund estimated that if 30 percent of Californians participate in pay-as-you-drive coverage, California could avoid 55 million tons of CO2 emissions between 2009 and 2020, which is the equivalent of taking 10 million cars off the road. This would save 5.5 billion gallons of gasoline and save Californians $40 billion in car-related expenses. Additionally, the California Air Resources Board has recommended the adoption of pay-as-you-drive as one of the means to meet future climate change gas reduction targets.
Starting October 2009 the, consumers will be able to purchase a pay-as-you-drive policy.
Stay informed and compare auto insurance quote 411.

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Auto Liability limits and proof for Albama.

Guy Laiberte : Hi! I am based in Alabama and would like to know what proof of insurance is required for driving my car – proof of auto insurance?

Response : Alabama has compulsory auto insurance. The goverment would make it compulsory to have liability limits since they are concerned about any harm to porperty or life. The insurance must provide a minimum of $25,000 for injury liability for one person in an accident, $50,000 for all injuries in an accident, and $25,000 for property damage in an accident (Act 2008-393). The policy must be issued by an insurance company qualified to issue motor vehicle liability insurance in Alabama.

The best proof of liability insurance is the insurance card issued by the insurance company. The insurance cards are issued by companies qualified to issue auto liability insurance in Alabama, and contain the vehicle year model, vehicle make, vehicle identification number, name of the insured, the name of the insurance company, the policy number, and the effective and expiration dates of the policy. Insurance companies often issued cards two or more times a year. Motorists must be sure that the insurance card carried within the vehicle is current.
Other acceptable documents to prove insurance include:
o A temporary insurance card issued by the insurer.
o A premium receipt or insurance binder issued by the motorist’s insurance agent.
o The current declarations page of a liability insurance policy.
o The actual liability insurance policy issued for the vehicle.
o A certificate of liability insurance policy issued by either the insurer or an authorized agent.
o Proof of purchase of a motor vehicle with the previous 60 days and a valid insurance card issued for the motor vehicle replaced by such purchase. The proof of purchase is to be a copy of the bill of sale if the vehicle is a pre-1975 year model, or the owner’s permit (yellow) copy of the application for certificate of title for a 1975 and subsequent year model vehicle.
o A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.

Here is an important tip, if your car is new or not more than 5 -7 years old you must go for a comprehensive auto insurance and compare auto insurance quote before you buy one. After you get the policy review auto insurance coverages to verify if you have the correct and optimum coverage.
Thanks.
Have a great day.
Kamlesh

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Kim :The media is constantly stating that private information should not be porvided. Hence I feel apprehensive in providing information for a quote.

Rsponse : Kim I understand your apprehesion and even I would personally feel the same. Let me assure you that the only time personal information such as a driver’s license or a social security number is needed is at the time of purchasing a  auto insurance policy. The insurers need to verify the applicant’s identity and can only do so by using this information and comparing it to national databases. While it’s easy for a person to give this information to an agent at the insurer’s office building, consumers become a little hesitant to provide them online. Rest assured this information is only going to the insurer and to no one else. Remember that the insurer has the to strickly abide to the privacy norms.

We have the ability to provide a list of quotes for auto insurance policies to drivers of all ages and experience levels. We can do this easily without the need of these personal numbers. To do so, we ask specific questions relating to the person’s experience behind the wheel and the answers need to be honest and accurate. When we have all of the answers to the questions, we’ll provide a page of quotes for the applicant, who can then review the quotes and companies and may purchase a policy if they desire to do so. There are no fees to use our service, nor is there an obligation to make a purchase. Again, the only time we will request a social security number or a driver’s license number may be at the time of purchase. To get quotes, we do not need those.

Please get your auto insurance quote and compare auto insurance quotes online.

Thanks.

Kamlesh

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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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