Jett Johnson : Why first time drivers are considered high risk and given high auto insurance quotes and what are the coverage’s? I am a first time driver and do I need SR22 insurance?

High risk and high auto insurance is not necessary requiring SR22 insurance

Response : High risk is a classification which is used by the general auto insurance companies so that they can either weed out the higher risk or charge appropriate ratings for this classification in order to be able to remain in business. Unfortnately, yes the first time drivers are considered high risk and qualify for even though this is given by general auto insurance companies instead of speciality general insurance companies.

For you the reality is that whether you are a teen or an adult first time driver, a first time driver car insurance can really make a lot of difference in your driving experience. Aside from being required by law, a first time driver auto insurance can give you protection when accidents occur. With all the financial worries somewhat diminished, you can be more relaxed and have more peace of mind while driving.

First time drivers do not need SR22 insurance. Please read my blog post on what is sr22 car insurance and you will know all the details as to when it is required.

Now let me elaborate on what actually is the coverage you get. A standard first time driver car insurance includes the following coverage’s.:
Liability coverage. This is the most important coverage of a standard first time driver auto insurance as it pays for expenses on injuries or vehicle damage that you caused. A good baseline for a standard first time driver car insurance is 100/300/100. This means $100,000 for bodily injury, $300,000 for the injuries of all parties involved and $100,000 for any property damage. However, each state has its own laws on the minimum amount of coverage so be sure to check what applies to you.

Medical payments coverage: This coverage takes care of the medical expenses of all parties regardless of who caused the accident. Moreover, standard auto insurance can include Personal Injury Protection coverage. This coverage pays for funeral expenses, lost wages, suffering and pain.

Uninsured motorist coverage and the underinsured motorist coverage: This coverage will pay for your injuries if the other party is not insured or has insufficient coverage.

The best way to get the best auto insurance quotes for high risk auto insurance or for sr22 insurance is to compare auto insurance quotes online.

24 Jones : My wife has epilepsy, will this be considered as high risk driver and will she have to take high auto insurance quotes? Will she able to retain her driving license? Will she require SR22 car insurance quotes? Why do you think the auto insurance companies are doing this to a person who is sick, is it right?

Epilepsyand high risk auto insurance

Response : High risk driver is one who is prone to accidents. Epiliepsy is unfortunately a sickness which affects the nervous sytem and the person suffering from eplipsey has no control on the nervous system and either becomes unconcious or is not capable of having conrtol over their own body and motor skills at the time of a seizure. In this state the likelihood and the risk of accident or probability of accidents is highest and so it is natural that this person is a high risk driver or requires high risk auto insurance. Now, whether sr22 car insurance is required or not would depend on the frequency of the person having been involved in accidents or against the law wherein the DMV authorities make it mandatory to have SR22 insurance.

You need to also be aware of a fact that auto insurance can also be difficult to obtain. An assigned-risk
insurance pool is available in about 25 states, but the cost is higher than an average insurance policy. If a patient decides to drive against medical advice while restricted, the auto insurance policy may not cover claims incurred during that time. This is a major risk that most people with epilepsy are unaware of.It is necessary to read the conditions on the policy and to understand them at all times.

For someone who has seizures, living without a driver’s license can be one of the most difficult adjustments he or she has to make. Where you live, your choice of a job, your social interactions, your basic independence can be affected by not being able to drive.

State governments try to balance the rights of individuals and the right of the public to have safe highways. Each state has developed its own rules for issuing driver’s licenses. Your doctor can help you determine whether you can safely drive and whether you meet the requirements for a driver’s license in your particular state. You wife will be able to get a license provided she is declared fit to drive by the doctor and this would be regularly reviewed depending upon the state you live in.

Its best to think of safety first rather than driving when you have some health problems. Remember that certain restrictions are for our own good and to help us avioid being a high risk deriver requiring high risk auto insurance or sr22 insurance and so we need to respect and abide them.

Thanks.
Kamlesh

Tanning Tax :Is it true that distracted driving is considered high auto insurance risk and can lead to Sr22 insurance?

Distracted driving and high risk lead to SR22 insurance

Response : Tanning, let me first let you know that SR22 insurance is not actually a insurance but a form which is given by the insurance company which states and proves that a high risk driver has car insurance or auto insurance. Check out my log post which explain sr22 insurance and how to obtain affordable or cheap sr22 insurance for your reference if you need the same for yourself or for a friend or relative.

Now, distracted driving has definetly lead to auto insurance accidents – fatal ones and hence this leads the driver to high auto insurance risk category , or they are categorized as high risk.

The National Highway Traffic Safety Administration reports that nearly 6,000 people died in 2008 in crashes involving a distracted or inattentive driver, and more than half a million were injured. Many of them were teens.

According to the Insurance Institute for Highway Safety, seven states currently ban driving while talking on a hand-held cell phone. The use of all cell phones by novice drivers is restricted in 21 states and the District of Columbia.

Text messaging is banned for all drivers in 19 states and the District of Columbia. In addition, novice drivers are banned from texting in nine states.Florida, Kentucky and Alabama are among the states weighing their own bans.Nearly one out of five U.S. drivers surveyed has read or sent a text message while behind the wheel, according to a recent AAA survey – even though they consider such action unacceptable.

The AAA, the National Safety Council and most safety advocates have urged texting bans for drivers in all 50 states. The insurance industry conducted a study to find out whether this law should really be passed.

The Highway Loss Data Institute study found that claims rates did not go down after the laws were enacted. It also found no change in patterns compared with nearby states without such bans.

HLDI is a respected research group but its results in this study seem to defy everyday experience, common sense and human psychology. It found that this required multi-tasking and these are complex things which requires concentration. The psychologist have stated that both driving and talking on the phone require brain demands and hence it is very likely that the driving is impacted whilst talking. Text mesaaging is even more complex than talking on the phone.

It is best to be safer than to regret things in the future since sometimes regret also never brings back life or a lost one. Distracted driving has lead to accidents and you would certainly end up being a high risk driver. The reality is that high risk drivers do need SR22 insurance and getting cheap sr22 insurance is something which you need to undertake and compare auto insurance.

Thanks. Be safe and drive safe.
Kamlesh

Jonathan Volk: How to get cheap high risk auto insurance or cheap sr22 insurance?

Cheap high risk auto insurance or cheap S22 insurance

Response : Most insurers would naturally question you that if you belong to a high risk auto insurance risk category than how can you think of getting cheap high risk auto insurance or cheap sr22 22 insurance. However, I understand that what you are looking for is the cheapest auto insurance quote in the category of being a high risk driver or needing SR22 insurance for your drunk driving or any other adverse driving record.

Let me assure you that you can still try to get affordable sr22 insurance and cheap high risk auto insurance quotes if you try and compare the high risk auto insurance quotes online.

You can still do yourself more good if you try working out ways on getting yourself out of this high risk auto insurance category and for this here are some of the tips. Ofcourse you must have read about them on other blog post and even some of mine but this is because these are the sure ways of reaching your destination of being a standard auto insurance risk or going back to the personal auto insurance risk category from the high auto insurance category.

1. Go for a course in defensive driving or taking up driving lessons again which are designed to improve your driving. You can look up the quotes online and than talk to insurance company whom you are going to be insured with, if they have any provisions for offering some courses or giving you discounts if you take up any course. That will guarantee lower rates once it’s proven that you’ve completed your course.

2. Your rates are depending upon the amount of coverage and the type of coverages you opt for. If you already have medical insurance coverage from your employer you can discountinue the personal injury coverage on your auto insurance policy for the time being.Supplement higher limits of liabilty insurance coverage with an umberella policy so that you end up paying lower auto insurance premiums on this.

3. Work on your credit rating. A better credit rating would imporve your auto insurance rates.

4 Avoid making petty claims you can handle.

5. Look for insurance-friendly vehicles.

6. If you’re moving house, check that your new zip code doesn’t inflate your rate. You can mover to a zip code area which has less traffic if you are renting a house.

7. Go for car pooling so that you are using less mileage on the vehicle which will give you a cheap high auto insurance quote.

8. For a cheap sr22 insurance in case you have been held for drunk driving, you can have an ignition lock installled so that you would never be involved in this again.

9. Compare high auto insurance quotes from speciality insurers who specialize in high risk insurance or sr22 insurance. Find a provider that is more favorably disposed to your profile. It’s NOT a complex process. You can do it right now from where you’re reading this. Just get and compare quotes from a wide range of reputable insurers. I’ll recommend that you get as many quotes as you can as doing this raises your chances of find much lower quotes. From the quotes returned, you’ll see insurance companies that have cheaper rates for you — Without compromise to coverage quality.

Thanks.
Kamlesh

Frank Kern : I am a high risk driver and am looking for auto insurance coverage or SR22 insurance – obviously cheap sr22 insurances?

Cheap sr22 insurance for high risk drivers

Response : Frank first let us be clear as to who are labeled as high risk drivers not by virtue of belonging to age group which is labelled as high risk like the young drivers or teens or teenagers and the senior drivers. I know, you donot belong to this class and so lets find out about the other persons who are considered high risk driver. There may be several reasons why you can’t get insurance through traditional private insurance companies:
* You have a poor driving record
* You own a special, high performance car
* You have not driven long enough
* You have not owned your car very long and therefore have no insurance record
* You live in an area where theft and vandalism losses are high.

In this case, you have two options:
1.Get a policy from a private insurance company that specializes in “high-risk” drivers. These are called speciality insurers who would give a cheaper sr22 insurance or auto insurance since they specialize in high risk. They have a large number of insured who are high risk and therefore the law of large numbers would work in their favor and thus they can afford to pass on better rates to the clients, in the form of cheap sr22 insurance or cheaper car insurance quotes. These companies write policies for people with bad accident records, high-performance cars, or who live in “high-risk” neighborhoods. These companies also may be able to sell you more comprehensive coverage than is available through assigned risk pools. All you have to do is click here on the website and get a quote. You will defientely find a cheap sr22 insurance quote.

The second option is to join a state assigned risk pool.
State assigned risk pools operate under a system in which every auto insurer participates in proportion to the amount of business they do in that state on a voluntary basis. Each insurer must accept the motorists assigned to it, retaining the profit or absorbing the loss that comes with that customer. The premiums you will pay will be substantially higher under assigned risk pools than directly with a private insurance company, but at least you will be able to obtain coverage. To find the assigned risk pool or the equivalent in your state you can go to your state insurance web-site. However, this might be applicable in certain states only.

Hope this information on finding auto insurance coverage and cheap sr22 insurance for high risk drivers has proved useful to you.

Thanks.