Search Results for: blog when the other driver is at fault

Signs that you Might be the “Default” Parent

There is a somewhat controversial article going around the internet about the “default” parent. Some people seem to relate to what it talks about. Others seem to feel that the concept does not (or should not) exist. What’s a “default” parent? Why is this concept generating online drama? Here are some signs that you might be the “default” parent in your household. Writer M. Blazoned wrote a post titled The Default Parent on her blog. It has been cross-posted to Huffington Post. It is well worth taking the time to read. The comments left on her blog are, for the … Continue reading →

Insurance Blog Week in Review – April 1-7, 2012

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The Insurance Blog Week in Review brings you a quick and easy way to “ketchup” on everything that hit the blog in the past week. There are always somewhere between 12 and 14 blogs that appear here, and it is easy to accidentally miss something that you wanted to read. What did you miss this week? What Do Insurance Brokers Do? This blog will clear up any confusion you might have about what insurance brokers do, how they get paid, and how they are connected to insurance companies. The Insurance Podcast Roundup went up on April 2, 2012. This week, … Continue reading →

Study Finds That Not All Drivers Have Car Insurance

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You are spending money every month on your car insurance premiums. Is the driver in the car next to you, or behind you, doing the same? Even though most states require all drivers to purchase auto insurance, this doesn’t actually mean that everyone has it. A study shows that a number of people who do not have car insurance are continuing to drive, anyway. It is important to have car insurance for many reasons. The most immediate reason that comes to mind for many people is because the state that you live in requires all drivers to be covered by … Continue reading →

The Blind Driver Challenge Produces Positive Results

In 2004, the National Federation of the Blind dared universities across the country to the take the Blind Driver Challenge and create a car that people with visual impairments could drive. Two years later, Virginia Tech accepted that challenge and the robotics and mechanisms department students got to work on building a buggy with technology that uses a laser light detection and ranging system to identify obstacles in the road as well as other cars. The technology also includes two cameras to monitor the road and look out for lights and stop signs as well as a GPS system and … Continue reading →

Insurance Blog Week In Review January 30-February 5, 2007

Insurance Term Of The Week: Personal Injury Protection, PIP It has been an interesting and educational few weeks for this Insurance Blog writer! There is nothing better than real-life experience to teach a person a thing or two! Dealing with our Employer Provided Group Health Insurance company has been a real eye-opener for me. Tuesday, January 30 Primary and Secondary Health Insurance Coverage, Because our youngest children are biological special needs siblings, adopted from foster care they have State Medical benefits as well as coverage under our employer provided group health. We also had, primary and secondary health insurance for … Continue reading →

Insurance Blog Week In Review January 9-15, 2007

It’s been a busy week for so many people in the United States. The weather has been a huge problem with snow, ice and unusually cold temperatures. Get ready to pay a lot more for Oranges and Avocado’s after the deep freeze in Southern California. Many homeowners have suffered the Midnight Disaster, including my little brother. Caught completely off guard with freezing temperatures and a ruptured pipe in the attic. Thankfully, he was able to Ask Anna (or sissy) for help in this matter! When my brother woke up to find boxes falling out of his attic and water flooding … Continue reading →

No-Fault Auto Insurance: Pros and Cons

In a pure no-fault auto insurance system the insurance company pays for the economic damages, up to the policy limit, of the insured. Pure no-fault systems will not allow any kind of law suite against the negligent driver for “non-economic” damages including pain and suffering, loss of companionship. Right now there are no states that use a pure no-fault system. All of the no-fault auto insurance states are actually using a modified no-fault system. Insurance companies pay the economic damages up to the policy limit, but there are still opportunities to sue for non-economic damages when the damages exceed the … Continue reading →

No-Fault Auto Insurance: The Basics

In the majority of states, personal auto insurance operates under the standard fault-based system. Auto insurance pays claims based on each driver’s percentage of fault for each motor vehicle accident. Adjusters decide which driver holds the greatest degree of fault and claims are paid based on the percentage of fault each driver may share for the accident loss. This system can lead to long and expensive court battles with judges deciding which driver is at fault in many auto accident claims. An effort to eliminate these costly court cases has lead to many states creating an alternative and using a … Continue reading →

Hit-and-Run Driver Crashed into Parked Car.

One of the most interesting insurance positions I held was in a Multi-Company Insurance Agency with a specialty in providing insurance coverage for used car dealerships. I worked in the personal lines where we made sure everyone–including the dealers employees were insured. But, my primary job was to manage all of the agencies claims. I was the liaison between our policyholders–clientele and the claims adjusters for the insurance companies we placed our customers with. Recently a Families.com forum member Asked me about a claims situation with her auto insurance. Unfortunately, the story is one I have heard way too many … Continue reading →

When The Other Driver Is At Fault

So far, in this series of Blogs we have discussed the basic steps to take at When You Are Involved In An Auto Accident and Things You Should Say At The Scene of an Accident. In this Blog let’s talk about the steps to take when you are 100% sure, the other driver is 100% at fault for the accident. The most important thing to remember about the fault of an accident is that in some States percentage of fault can be assigned to both drivers. In many cases, when an insurance claim is settled both drivers will be deemed … Continue reading →