Driving Tips – This auto tips can not only save your money but your life

The US driving test is tailored in a manner to test a driver’s skill and also if he/she is complying with the safety standards set by the US Government. US roads are well known killers and have injured plenty by now. These traffic accidents can be easily controlled and in fact avoided if some advanced driving tips are adhered to. These advance tips will help you nurture from a starter to a professional driver. After getting hold of the driving license, one should not think that they can drive now in whatever way they want to. Throwing ‘L’ plates don’t really mean that one has perfected their judgment and has developed an alert driving sense which is only developed after gaining experience.

Safe driving tips emphasize on the fact of progressing efficiently and effectively through the road while keeping speed limit and road conditions in check. This means that traveling a mile on smooth road is not always equivalent to traveling the same mile in rush and under adverse weather conditions. A speed limit doesn’t always mean that it had to be maintained at all times, it only means that one can go to the extent of the designated speed limit.

The best yet very simple safe driving tip is to follow the road signs clearly and diligently. These road signs may indicate hidden danger indications. They even tell you of dangers that are perhaps indirectly related. For example, when nearing a school everyone will be aware of children coming out or children crossing roads but they may not be aware of cyclists or obstruction causing parked cars. Thus, good drivers always look for traffic signs and keep their minds alert before a perceived danger.

Good drivers also adhere to the auto safety tips on maintaining tires in their optimum conditions. They realize the importance of maintaining right pressures for the correct handling of the car. Having correct tire pressure means that braking is always efficient but fuel costs are reduced too. The best driving tips always include checking tires on a weekly basis with the other fluids in the car.

Further driving tips also include anticipating the other driver’s move on the road and countering those moves with special reflexes and techniques such as Scandinavian Flick and Scouting. These techniques can only be mastered by persistence application and through experience. There is no rote formula for learning all this stuff in a day’s time.

What will car insurance coverage be after accident?

Most insurance buyers always ask their insurance sales agents what their auto policies covers in case of accident. An auto coverage policy can include multiple aspects of the accidents. The term ‘coverage’ has a special meaning in the world of insurance and should be properly understood by the layman before buying an insurance plan. The auto insurance coverage should at least cover the family member’s loss and property loss.

The state of Florida in US urges all its residents to carry minimum personal injury protection coverage along with auto accident insurance coverage. This means that if any accident in Florida occurs, then PIP or Personal Injury Protection covers the health insurance of car insurance holder, family members and under some circumstances, they also cover the property loss. This policy ‘PIP’, regardless of other factors covers a large percentage of medical bills and lost wages due to injury and hospitalization.


Now, let us look at those specific scenarios where fault of the accident does matter. The state of Florida was just an example of ‘no fault’ insurance policy. If the driver is at fault and has bought personal loss to you and your loved ones, then the driver’s bodily injury protection is triggered. This is a special type of insurance liability that covers present and future financial damages. It also covers intangible losses and sufferings like pain and mental agony. This essentially means that if a negligent driver causes damage to you or your loved ones, then BI or Bodily Injury would cover it. Most people are unaware of this scheme and don’t really claim. Only people, who are knowledgeable about these claims and hold a policy, can redeem a limit of USD 10,000. More basic info on basic insurance coverage can be found here:


Another important insurance coverage (link to internal) in this aspect is uninsured or under-insured motor coverage insurance that can be purchase by most drivers. This policy protects people from the harm that is caused because of other’s negligence on the road. This insurance steps in if the other party doesn’t possess insurance or their insurance is insufficient (aka under-insured) to meet the expenses. This policy caters to a household and covers all the relatives in the same household. Uninsured or under-insured motorist coverage (“UM,” for short) is important coverage for all Florida drivers to purchase. Whereas BI coverage provides protection if you negligently injure another, UM protects you and your family from harm caused by others. When a negligent driver carries no auto policy, or when the available BI insurance of a negligent driver is insufficient to cover all of your damages, UM insurance steps in. Typically, a UM policy covers you and any relative residing in your household. The scope of what UM coverage pays for mirrors BI coverage. This policy also covers the property loss but under some circumstances.

Most drivers and people don’t understand the specifics of these policies unless they meet an accident. Therefore, it’s always important to have an auto insurance coverage for the unforeseen future.

Driving tips – Ideas that will help you be a safe driver

The invention of cars has really revolutionized the world. This electro-mechanical thing is involved too much in our daily lives and we can’t neglect its presence too. Whether you are living in under developed nation or a developed one, you must have to interact with this invention. Moreover, the latest models with advanced technologies and extra facilities are being launched every day, just to provide comfort to the users.

Driving a car on roads is associated with all kinds of risks, but with proper safety tips and sensible driving, one can minimize these risks. Sensible driving is the reflection of one’s civic sense and shows that one belongs to a cultured community. Although, most of the drivers driving their cars on the road have a valid license; here are some driving tips that can help one drive smoothly and in a safe manner.


Driving is a skill and a person can only become a skilful driver by practice. The word practice doesn’t mean that you are free to drive carelessly unless you become an expert driver; rather it means that you should drive more carefully to sharpen your driving skills further. The most important safe driving tip is using seat belts while driving. Make it a compulsion and never drive without properly fastening your seat belts, even if you are going to travel for a very short distance.

Secondly, another safe driving advice is to avoid rash and negligent driving, as it a potential threat for yours and the life of others. Don’t drive above the speed limit as the indicated speed limit has a reason behind it. Cautious driving will not only be helpful in enjoying the pleasure of driving but will also ensure the safety of your life. Even in emergencies don’t try to go past the limit. A car is a machine and it has certain values that must not be crossed or else it might bring severe consequences.

Another important driving tip or item is to make sure that your children have fastened their seat belts. Children under the age of five should be seated on a booster seat. Don’t let them sit without being buckled up because kids are more likely to suffer in case of meeting an accident if they are not buckled up.

The last thing that you should remember regarding safe driving your vehicle is to adhere to the rules and regulations of the road. Follow the traffic signs, signals and other things that are helpful to you while driving and try to be a good model citizen of the road.

Driving Tips and Advice – Related Links

We hope that these safe driving tips will help you be a better and responsible driver. Check out these other related links regarding the topic:




Auto Insurance coverage – What do you need to know?

One should really ask themselves before buying auto insurance, if their Insurance policy fully covers them against the loss. People are always fascinated and excited when they see all the funny advertisements that say “full coverage“. The full insurance coverage is just a fake slogan that most insurance companies use but in reality a policy coverage doesn’t always cover completely in all conditions. An important observation that needs to be made is that the instrument is a liability coverage which is offered as a composite pack for covering comprehensive and collision incidents that a car goes through. Full market insurance policy coverage is a fancy term that these indemnity marketers use just to fool people so that they buy expensive assurance policies.

To understand the depths of insurance coverage in details, let us have a look into the specific of insurance policy. There are normally three portions of the liability section of the policy. The first one deals with the highest insurance the company has to pay, in case the policy holder meets an injury while driving. The second point deals with the medical expenses that the insurance company will bear on the basis of traveling persons per accident. The last point of the coverage deals with the paying off of total property loss that is resulted because of the accident. Most policy companies turn these clauses in their favor so they have to pay less in case of an accident.

The insurance policy holder needs to look into these clauses deeply and ask questions before signing on it. Remember, the auto policy sellers keep themselves always covered legally so one should always maintain documentation and keep records on the transactions done. The insurance declaration page is the most important in the whole insurance document and should be read very carefully. The policy buyer should check if all his/her requirements are met in the liabilities section.

Everyone loves to spend less but in case of policies, this love can be hazardous. Make sure you compare insurance companies otherwise the policy may not cover anything and this can yield into a financial disaster. Always remember the rule of the thumb in this case, the greater the coverage, the more secure financial assets would be.

The “comprehensive collision” part of the full insurance coverage plan is also very confusing. The insurance company by law is only obliged to pay the value of cash and not that of loan. As for new cars if they are engaged in an accident, the owner only gets the cash amount that he/she has paid for the car. The owner should also read the rules and regulations section of the insurance coverage policy so they are well aware of the responsibilities.

Car Accident Tips: What to do after an Auto accident?

An auto accident generally leads to panic and confusion after the crash. Certain things run in the mind such as how much injury has one faced, should police be called and whose fault triggered the accident. Legal knowledge of what should be done in the event on an auto accident is essential and would lead one to receive the compensatory rights if they weren’t at fault. Following are some handy tips for someone who encounters a car accident:

  1. The vehicle should not be left in the middle of the road to persevere it for evidence since it will put your and other’s life at stake. One should pull the car to one side of the road, as nearer to the auto crash scene as possible. If the car is too damaged to be moved out, one should get out of it and move to the safer side of the road.
  2. The police needs to be called even if the damage is small. Sometimes, there are hidden injuries which don’t show up early. A report in the police would be necessary to file a lawsuit against the culprits if the auto accident injuries manifest late. The police report would also be helpful to see if the other driver was intoxicated or had a suspended driving license. The police on their arrival at the crime scene of auto accident will collect vital evidence that could be later used in the court of law.
  3. Essential information such as name, telephone number and insurance information needs to be shared with the other driver. Any information of witnesses should also be taken as it will help in strengthening your case if you were not responsible for the automobile accident. Therefore, taking notes is always recommended at the scene of auto accident since the police might miss some useful information.
  4. Pictures of the cars involved in car crash scene must be taken. Most smart phones these days have high definition cameras which can help in gathering evidence. Pictures of damaged vehicles, any roads geographic, injuries and skid marks plus the number plates should be taken. All this circumstantial evidence will help the auto accident lawyer to document a strong case.
  5. Medical treatment should be taken as soon as possible. The doctors are the best judge of the injuries and an early investigation in a car accident and diagnosis is always helpful.
  6. The insurance company should be contacted and notified about the event soon. They may not investigate if once is late in notifying them about the auto accident.

Related sites on car accident

These essential tips will help you in justifying your case and get the compensation for your medical bills and repair damages. Other related sites on car accident are:




Safe driving tips – These tips will improve your driving

Morning drives during working days are normally slow and tiring ones. Traffic at peak hours can easily convert a ten minute hassle free ride into an hour long tedious crawling. It’s granted that in the mornings, traffic load does increases yet the thing that mongers panic is bad driving maneuvers which make traffic management a hassle. Certain driving tips can come in real handy when one is navigating through heavy traffic. These driving tips are meant for all types of users but highly recommended for novice drivers.

Drivers in traffic jams normally look to move to the faster lanes to reach their desired destinations. Some drivers keep on constantly changing lanes yet they forget that they are blocking the aligned traffic behind them. These slowdowns often lead to numerous small congestions in the otherwise, free flowing traffic.

The best driving tip to drive safe is to stay in the designated lane. Unnecessary lane changing is often disastrous as more and more people follow, leaving traffic in a spaghetti network. Fast lanes die as a result and most emergency and rescue teams get stuck. The important point to understand with this driving tip is to realize the importance of staying in the original lane since it can ensure constant speed and avoid sudden jitters in the flow.

If at all a lane change becomes inevitable, than observe the speed of the vehicle in the adjacent lane. Wait for the vehicle to pass you if they are at a greater speed because sudden movement would lead to a collision. The basic driving tip in this regard is to wait for the lane to have vacant space for the car to fit in.

Proper indication of turns is often important and at high speeds it becomes a necessity. Most accidents occur because many drivers don’t indicate their turns and as a result more following cars bump in them. Another useful driving tip while at faster speeds means to keep your cognitive senses in check. People with slower reaction times and in stress shouldn’t drive fast because they are ideal candidates for an accident. Seatbelts should be worn at all times and there should be no complacency shown in this regard.

To successfully make the way through heavy traffic, one should be patient and should realize the virtue of being courteous to the pedestrians and other drivers on the road. By adhering to the safety tips while driving through congestion, everyone can reach their destinations safely and in lesser time.

Related tips and tricks on driving safe:





What does good car insurance cover?

While choosing car insurance, one should opt for the coverage plan that is most comprehensive and affordable. Automobile insurance is a necessity with every vehicle and in some countries like USA, its mandatory. The most expensive car insurance plan doesn’t always provide you with the complete coverage and sometimes less costly auto coverage plan provides you more complete coverage. Sometimes, an affordable indemnity is already best suited but due to lack of knowledge, most people don’t make full use of the available liability coverage. One should have ample knowledge of what an auto insurance policy is covering before making the final call.

The insurance companies basically rate every policy buyer on the basis of their age, driving record, gender, occupation and car specifics. Therefore, one should consider these factors before going to an car insurance office. People with bad credit history are normally charged a heavy amount to cover the inherent risk. A basic search on internet is always beneficial before meeting the auto insurance sales guy.

The number one tip is to buy an insurance policy that has the same value as the car’s market price. The insurance coverage must cover the complete cost of the car plus the peripherals. If one owns an economical car, then one shouldn’t really buy an insurance of the same worth since then, he/she would have to pay more than the actual cost of the car. A partial insurance coverage plan will come in handy then. Same is true for older cars. If one owns a luxury car, then they should go for a comprehensive plan since that would cover theft and expensive repairs and maintenance works on the high end car.

Secondly, use all the mentioned factors to your advantage. For example, young drivers are considered high – risk drivers, therefore, they are charged more than normal drivers but on the same hand, students with outstanding academics are offered a discount on premiums by their insurance companies. One can also use an auto policy that only covers the basics of repair costs and by maintaining a car in good condition; they can opt for a ‘no claim’ record. Most insurance companies offer handsome discounts in this regard.

The last tip and certainly not the least, is to have proper documentation and history maintained. Always go for the top notch insurance company since their insurance program would covers majority of things, it is established, have industry connections and will offer you free advice, discounts and tips on how to make most of the auto insurance policy.

Vital aspects of Car insurance coverage that you need

Car insurance coverage typically comes with quite a few options. At a minimum you need to have the following in our opinion.

Liability coverage

In the event of a car accident, if you are at fault, liability insurance will pay for fixing any damages to property and also bills. This may include car damages and medical bills for the other party. Liability insurance is typically required in every state in United States. The liability coverage is typically written as three numbers like 25/50/25. If you carry such an insurance policy, this means that you have maximum coverage in the amount of $25,000 for bodily injury damage per person, maximum insurance of $50,000 for bodily injury damage per accident and coverage of $25,000 for property damage per accident.

We have more information on the topic here:


Collision insurance

Collision insurance is part of the auto policy you need to repair your automobile. This is assuming you were at fault. If it happens to be the other party, then their Car insurance company will cover the damages. If you have an older vehicle, it does not have makes sense to have collision insurance. Collision car insurance typically carries a deductible. A deductible generally ranges from $250 to $1000. So if you have a deductible of $500 and damages to your automobile is let’s say $2500. This translates into this amount of collision car coverage by your friends at Geico.
$2500 – $500 = $1000

Comprehensive coverage

While collision protection covers repairs to your automobile, if it will not tackle issues like hail damage, stolen automobile, deer in the headlights, cracks on your windshield, etc. This is where comprehensive coverage comes into play. A comprehensive insurance also has a deductible which typically $500 still applies in this scenario just like the collision coverage.

Uninsured motorist protection

The state law states that everyone should have some form auto liability protection, although in the real world that is not always the case. Having uninsured auto protection can be a lifesaver because it will cover you even if the responsible party is unable or unwilling to pay for your damages.

Addition options for Car insurance coverage

Other optional coverage that you can think about include the following:

  1. Towing service: if your car breaks down, this car coverage pays for the cost of towing your vehicle to a garage.
  2. Auto glass insurance: This insurance coverage is useful for any repair and damage to the windshield or any of the windows.
  3. Roadside assistance: This option for the car coverage is useful if you are stuck on the road. It could be a dead battery or a flat tire so this auto policy option can come in handy in those situations.

How Traffic Tickets Affect Insurance Coverage

Although you may be a safe and responsible driver, accidents do happen that can negatively affect your insurance coverage.  Depending on the traffic violation and state laws, the consequences are often felt in higher premiums or even potentially cancelling your insurance coverage altogether. While non-moving violations such as a parking ticket usually don’t affect coverage, several minor moving offenses occurred within a considerable short amount of time can prove as detrimental as one serious violation.

Understanding How Points Impact Insurance Coverage

The Department of Motor Vehicles (DMV) applies a point system to reflect any incurred driver infractions. Insurance coverage and premiums are based on your driving record, and any traffic violations on record. Obviously the more points you have on your record, the more you can expect to pay for insurance coverage.

The point system varies among states and insurance coverage providers when calculating points incurred from traffic offenses. In general, however, major infractions carry the maximum amount of points that go against your driving record. For example, a DUI may carry up to 12 points, whereas a speeding ticket may only rack up 2 points. Insurance providers typically review your driving record about twice a year or whenever your policy is up for renewal. Traffic violations remain on your driving record for 3 years, although the duration also varies according to state laws.

Also depending on the state and infraction, it may be possible to attend a defensive driving course to erase points from your record, as well as prevent your insurance coverage rates from dramatically increasing. If you accumulate a specific number of points within a certain time frame, don’t be surprised if you find your license suspended.

Tickets Sure to Catch Your Insurer’s Attention

Due to various state motor vehicle laws, there’s nothing set in stone regarding what does or doesn’t affect insurance coverage, however, the following tickets are almost always a guaranteed to negatively impact your vehicle insurance coverage:

  1. Driving under the influence of alcohol or drugs
  2. Responsible for an accident
  3. Reckless driving
  4. Racing
  5. Intentionally fleeing the police
  6. Leaving the scene of an accident
  7. Driving with a suspended or revoked license
  8. Speeding (assuming it’s your first in 3 years)
  9. Driving illegally on a one-way street or wrong side of the freeway
  10. Driving without insurance.

Tickets that Incur Less Points

While the tickets listed above carry the most points that go against your insurance coverage rates, the following infractions have a lesser impact on premiums:

•    First speeding ticket
•    Driving with an expired or restricted license
•    Expired vehicle registration
•    Driving in a HOV lane
•    Failure to wear seatbelt
•    Failure to secure a load on your vehicle
•    Broken tail light or cracked windshield
•    Loud exhaust/muffler
•    Littering while moving.

It’s always a good idea to check with your insurance coverage provider to review your driving record periodically or if you have questions or concerns.




Liability-Only: Ask Your Insurance Company If It’s Right for You

For those of us that depend on the privilege of driving for transportation, purchasing a liability policy from your insurance company is a must. Actually, it’s a legal requirement in order to operate a motor vehicle in the most of the 50 states. While you may be able to afford more comprehensive coverage from your insurance provider, however, others may be limited in available options.

What’s Liability Coverage?

Consider liability coverage as the basic level of protection offered by an insurance company to protect other parties involved in an accident in which you caused. There are two basic types of liability coverage: bodily injury and property damage coverage. Assuming that you are responsible for an accident makes you the at-fault driver, which means your insurance company is liable for paying certain damages incurred to the injured party. Bodily injury covers the following damages from your insurance company:

  1. Bodily harm
  2. Sickness or disease as a result of the accident
  3. Required home care following the accident
  4. Loss of services (the injured party’s loss of income)
  5. Death

Property damage is also included in liability coverage from your insurance company. Property damage liability covers damages to the other person’s vehicle, property, or any belongings damages in the event of the accident in which you were at fault.

Property damage does not cover the costs to repair your own vehicle. Instead, it’s necessary to purchase such policies as comprehensive coverage and physical damage coverage from your insurance company. For motorists with an outstanding loan on vehicles, physical damage coverage is usually a requirement.

What Liability Insurance Doesn’t Cover

Before purchasing a liability policy from an insurance company, it’s important to understand what’s not covered. Physical damage to your car such as body repairs or costs for replacing a totaled vehicle are not covered by your insurance company. Any medical expenses that you incur due to an accident are also not covered.

It’s also important to keep in mind that if the other party also carries liability-only coverage, chances are each will be responsible for their own bodily injury and property damages.

When to Consider Liability-Only Coverage?

If you’re considering liability-only coverage from your insurance company, there are a couple things to keep in mind.

  1. Value of your vehicle – If your car is an older model with a lot of miles, chances are the value of the vehicles has significantly decreased; therefore, liability-only may be a cost-saving option.
  2. Personal budget – Obviously, it’s important to purchase coverage that you can actually afford from an insurance company. Missing payments and lapses in coverage are a sure way to loose whatever coverage you do have.

For some, liability-only is the most practical coverage as it’s an affordable option to meet the required state motorists’ regulations. If you have questions about whether or not liability is the right choice for you, contact your agent or a reputable insurance company for more information.

Related Links to Insurance Company Liability Coverage: