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

Chris Rempel : How do I reduce high risk auto insurance rates? My friend was saying that there are no discounts or rate reduction for this. Please let me know.

High risk auto insurance premium can be reduced.

Response : First of all you will want to work on cleaning up your driving record. This means playing it safe for the next few years and perhaps even doing a driving record search from time to time to see what is still listed. At the same time you will have to try and look for speciality insurance company who underwrites the high auto insurance risk or high risk drivers. This is easy with specific companies or websites like DUIsr22carinsurancequote.com, which provide you quotes from the speciality companies which write these riisk. These companies will let you have an SR22 form on your plan. These will typically last on your insurance for about 3 years but each state differs so check with the DMV to see how long you will be required to have your SR22. If drunk driving is your problem than you need to get a steering interlock installed in your vehicle.

If you are a young driver but you are driving a vehicle that has a very low safety rating. You may want to consider trading in that SUV for a Volvo or even a Honda. Both of these have the highest safety ratings according to insurance company policy which means it will lower your high risk status. Get antitheft devices, air bags and brakes installed in your vehicle which would be considered as safety devices. Either way it is a big plus to insurance companies and it means a discount on your overall bill and marks taken off your high risk auto insurance.

Being considered a high-risk driver does not mean you have to pay high-risk premiums. Click the following link to find out how you can get the best quotes for Have you ever considered public transportation? This is one tip that is very underutilized when it comes to owning a car and paying for car insurance. It is really quite simple though. If you put less mileage on your car the insurance prices will drop as well. For instance, if you only use your car on weekends then you can definitely claim under 10,000 miles per year which puts you in another grouping altogether. This means that because you do not drive it as often your high risk auto insurance in Georgia will be considered lessened.

Also, to lower that high risk rating even further you need to take a defensive driving course. This is typically offered through your DMV and will automatically give you a discount on your insurance premium.

What you have learned here today there are ways to lessen your high risk status until your record has been kept clean long enough to stabilize your rates. Just remember that you need to shop for auto insurance quotes, improve your driving record and look for as many discounts as possible like multiple policy discount insuring your home and auto at one company.

Thanks.
Kamlesh

What are the consequences of major and minor tickets?

Response : A driver knows the consequences of breaking the rules of the road – one is given a tickets for breaking the rules.The minor offences are :

• Making an improper turn;
• Breaking the stop sign rule;
• Wrong parking ;
• Driving without a seat belt.

These are considered minor offences and the demerit points given are usually 2 points. However, this will differ upon the state and the circumstances prevailing – whether you get involved in an accident due to this violation.

The major offences are :

• Speeding is considered a major offence. The speed limit should be strictly maintained. Normally if you are driving over the speed limit of 16-29 an hour – 3 demerit points are applied on your driving license. If you are driving at the speed of 0ver 29-50 per hour than the demerit points are 6.Depending upon the severity your driving license can be revoked and the insurance company can cancel your policy.
• Driving under influence. This is a major offence. The penalty for this is either suspension of your driving license, you are charged and the state rules differ but most states require that you should have a SR22 form for 3 years from an insurance company.

 Normally the rates of insurance do not increase heavily for minor offences but major offences are considered high risk auto insurance risk and the auto insurance premium would increase.