Brad : I live in Georgia and a friend of mine was telling me that I should take an Uninsured motorist coverage since I would be at an advantage. Can you let me know more of this. What is stacking of limits? How will this affect my auto insurance?

Response : You need to constantly compare auto insurance quote both for coverage and also the rates. You need to take an uninsured motorist coverage to get the benefit if someone who is uninsured gets involved in an accident with you and injuries you and he is at fault. Let me show you how it would work for you if this happens. Presently there are a lot of people in USA who do not have an auto insurance policy and are uninsured.

In Georgia, underinsured motorist protection falls within the uninsured motorist statute.
Prior to the effective date of the new statute [January 1, 2009] an insured can only access up to the difference in the liability provided by an at-fault driver’s liability policy limits and the limit provided the insured under his/her uninsured motorist coverage. Thus, if the at-fault driver had a $50,000 liability limit and the not at-fault other driver had an uninsured motorist limit of $100,000, the maximum protection for the not at-fault driver from his/her uninsured motorist coverage is only $50,000. The insured taking coverage from his/her uninsured motorist limit is not entitled to the full limit provided under current law.
At-fault driver = $50,000 Liability Payment
Not at-fault driver = $100,000 UM Limit
Payment due from UM Coverage = $100,000 – $50,000 = $50,000¹
In the same loss situation above, if the at-fault driver had a $50,000 liability limit and the not at-fault driver had a $50,000 uninsured motorist limit, the not at-fault driver would not be entitled to any payment under his/her uninsured motorist coverage.
At-fault driver = $50,000 Liability Payment
Not at-fault driver = $50,000 UM Limit
Payment due from UM Coverage = $50,000 – $50,000 = 0
Beginning January 1, 2009 insureds will be able to get the benefit up to their full uninsured motorist limit when an at-fault uninsured/underinsured motorist is responsible for damages. The change simply means that the full amount of selected uninsured motorist limits can be used as an additional limit of coverage, without offset, from the liability limit of the underinsured at-fault motorist. For the examples above the formulas would change as follows:
At-fault driver = $50,000 Liability Payment
Not at-fault driver = $100,000 UM Limit
Payment due from UM Coverage = $100,000

Beginning January 1, 2009 the Uninsured Motorist statute expressly allows an insurer to “exclude”[offset] personal or bodily injury or death payments for which the insured has been compensated “pursuant to medical payments or workers’ compensation laws.”

The premium payable for this coverage of uninsured motorist is very less almost meger compared to the advantage you can obtain if this accident takes place. Make sure you compare car insurance quotes and review auto insurance coverage to ensure that you have taken the Uninsured Motorist coverage.
Good luck.
Kamlesh

Howie Schwartz : Wisconsin :I am Wisconsin do you know what the auto insurance rates are and how to find low auto insurance? Can you tell me about car insurance libaility limits for USA.

Response : Since you are in Wisconsin than, I would advice you to compare your auto insurance premium and find out what options you have for a low auto insurance rate. Online car insurance comparison for USAA would definitely give you a better option to choose from. You can certainly try on this site and get good low auto insurance quotes. Secondly look up my article on car insurance liablity limits for USA.

You need to do this because new auto insurance requirements were approved by the Democratic-controlled Legislature earlier this year. The minimum limits for car insurance and also the auto insurance premiums are increasing with effect from 1st November 2009.
As insurance companies begin mailing notices to Wisconsin customers telling them that their premiums are likely to increase soon, state politicians are scrambling to Assembly Majority Leader Tom Nelson, D-Kaukauna, said in an Oct. 7 letter to a constituent who inquired about higher premiums that “any premium increases are due to the business decisions of insurance providers rather than any action taken by the Legislature.”
However, premiums in general are expected to go up for consumers who purchased only the minimum limits because of the changes, said OCI spokesman Jim Guidry.
Determining how much, or what the impact would be on an individual policy holder, is difficult because some consumers purchased more than the minimum limits, Guidry said. Also, there are more than 200 insurance companies competing with one another and a variety of other factors, including driving record and past claims experience, affect premiums, he said.
“People who have higher limits that are at or higher than the new mandated amounts, will not be impacted,” said Ken Muth, a spokesman for American Family Insurance, which is based in Madison. “It’s going to depend on what the coverages are now and the additional coverages you’ll have to take on. … It may go up significantly for some.”
American Family is sending out letters to policy holders warning them about increases. Since this is a state requirement you cannot

Taylor Lautner : This is my fisrt year driving in the winter. I want to avoid an auto accident where can I find information on how to prepare for the winter. How can I keep my auto insurance premium low?

Response : Taylor this is a very important question since the know how is very important for driving in winter since this will information be very crucial in not only safe-guarding your car and keeping the auto insurance rate low by avoiding accidents, but what is most important is it can save lives. Life is valuable. Over the years in the insurance field, I have gathered a lot of information and here are a few tips for winter preperation for you and your friends. Car insurance and car accidents are dependent on weather.

1.Create a Safety Kit. Be prepared with safety essentials in your car, including extra windshield wiper fluid, warm gloves and a hat, flashlight, remote jump starter, tire gauge, safety flares and a blanket.
2. Give Your Vehicle a Check Up. Avoid unnecessary accidents by taking a few minutes to check your vehicle before heading out.
3Use a small tire gauge to check your tires, as cold weather will lower their pressure.
4 Make sure taillights, headlights, blinkers and the horn are in good working order.
5.Play it Safe in the Dark. With shopping season in high gear, heavy traffic is more common, and nightfall comes earlier. When driving at night:
Avoid using any light inside your vehicle.
Use edge lines and center lines of the roadway as guides.
If street lights cause glare, dim your dashboard lights and use your sun visor.
6.Prevent Glare. Snowfall and other precipitation can serve up severe road glare:
Be prepared with a pair of sunglasses.
Avoid foggy blotches on your windows by cleaning the inside of your windshield regularly.
Consider using winter wiper blades designed to handle heavier road debris and snow.
7.Buckle Your Bundles. Loose gifts can be dangerous distractions, less than half of drivers (43 percent) secure their packages on the floor or buckle them down.

The most important thing to do in the winter is to see the weather and be prepared. You can also have your membership with a road assisstant company before hand so that you can get help when you need it. I am sure you will pick up the due diligence very soon since there is no greater teacher than yourself.

Happy and safe driving. Am sure you will be safe and you can also review auto insurance quotes so that you are sure you have the correct coverage before the winter starts. Once you make sure that you can avoid accidents and do not get tickets, you will qualify for discounts and also low auto insurance quote. Compare auto insurance quote from time to time to find out if there are any additional discounts for which you would qaulify.
Thanks.
Kamlesh

Drew Bress : I live in Texas. I have two auto insurance policies. Would I be allowed to use both my policy limits in case of an accident with uninsured motorist?

Response : First let me expalin the use of both limits in terms of insurance to you. If you have two polices of each $1million for uninsured motorist coverage, than if you meet with an accident obviously with one vehicle than when you want to utilize both the limits it is called stacking of polices. Insurance companies normally have an anti-stacking provision in their polices which would not allow the using of both limits of the policies.

In Texas in a particular case when a person was injured due to an uninsured motorist, he was allowed to use both the limits of his policy for the same. Thus as per the gist of the judgment given below :
“The Texas statute does not speak specifically to the stacking issue, but, as evidenced in the caselaw, the courts have expressed a clear understanding that the purpose of the statute is that insureds recover for their actual damages and that a policy provision preventing full recovery conflicts with that public policy and is thus invalid. Therefore, it appears that in Texas, the “two or more auto policies” provision, when coupled with the intent and purpose of the uninsured motorist statute, will not operate to prevent stacking where the insured has two policies with an insurer and their actual damages are greater than the maximum recovery under one policy’s uninsured/underinsured motorist coverage.

The stacking and anti-stacking of the policies would depend from state to state and the provisions and whether there has been a case decided in the same lines in the state.

Presently in the states due to recession, many people are driving auto’s uninsured and so it is very important that you have this coverage. Compare auto insurance coverages at all times and reviewyour auto insurance policy to ensure that you are fully provided for and insured under most circumstances. It is wiser to pay some price now for the future when you are in a tight situation.

In the recession each of us is focusing on how to save some money or cut our expenses. We over –look the obvious recurring expenses and Auto insurance is a major expense which is a must. Compare Car insurance quotes for free online – an offer only and unique for USA. You can easily save money on your auto insurance premium without changing your coverage.

This is an on-line offer given by the best insurance companies. The auto insurance quote can be obtained at your suitable time, in the comfort of your own home. You need not spend endless hours hanging on the phone. Obtain a quote without hassles.

Automobile insurance covered about 175 million automobiles in the United States in 2004 and a vast number of insurance companies and so the options are very high. Comparing auto insurance is becoming a routine for most of smart customers. The insurance companies do change their auto insurance rates constantly. The coverage’s offered, the discounts offered and the underwriting data for auto insurance is constantly changing and is dynamic. Thus, it is always reliable to check out the insurance rates online. Information on the financial status of the company can also be found online, before you decide the insurer for your car insurance.

Today, the internet has made things very easy for us. Getting a car insurance quote is very easy, if one knows how to key in a few things. Within a matter of minutes you will get the quotes, with no hassles and that also over 5-6 options to compare from.

Even if you save $25/- per month you can save $300/- per year enough to have the extra frills like a nice dress or a gift, just using your own insightful thinking and skills of being an informed buyer. Yes you can pass on the ideas to your friends and they will know what a smart person you are. Small things would make a huge difference. There is nothing to loose and lots to gain. Check out free cheap auto insurance quotes for yourself, make a difference. Review auto insurance quote now!