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Los Angeles Superior Court Commissioner Douglas Carnahan ruled Wednesday that the automaker misled Heather Peters about the potential fuel economy of her hybrid car and awarded her $9,867 – much more than the couple hundred dollars cash that a proposed class-action settlement is offering.

“At a bare minimum Honda was aware … that by the time Peters bought her car there were problems with its living up to its advertised mileage,” Carnahan wrote in the judgment.

Honda disagrees with the judgment rendered in the case and plans to appeal the decision, company spokesman Chris Martin said in a statement.

Peters, a former lawyer, said she is renewing her legal license after a 10-year lapse so she can represent other Honda owners who have the same problems she did.

“Wow! Fantastic. I am absolutely thrilled,” she said when The Associated Press informed her of the judge’s decision. “Sometimes big justice comes in small packages. This is a victory for Honda Civic owners everywhere.”

Carnahan included in his 26-page decision a long list of misleading representations by Honda that he said Peters had correctly identified. Among them were that the car would use “amazingly little fuel,” “provides plenty of horsepower while still sipping fuel,” and that it would “save plenty of money on fuel with up to 50 mpg during city driving.”

“Actual performance of plaintiff’s vehicle did not live up to these standards,” he said. He noted that when she began receiving much less than the advertised mileage, “she knew she had a problem.”

Peters opted out of the class-action lawsuit so she could try to claim a larger damage award for her 2006 Honda Civic’s failure to deliver the 50 mpg that was promised.

The proposed class-action settlement would give aggrieved owners $100 to $200 each and a $1,000 credit toward the purchase of a new car. Legal fees in the class action would give trial lawyers $8.5 million, Peters said.

In small claims court, there are no attorneys’ fees and cases are decided quickly.

Peters had hoped to inspire a flood of small-claims lawsuits by the other 200,000 people whose Honda Civic hybrids are covered by the proposed settlement. If all 200,000 owners sued and won in small claims court, she said, it could cost Honda Motor Co. $2 billion.

Peters launched a website, DontSettleWithHonda.org, and said she was contacted by hundreds of other car owners seeking guidance on filing small claims lawsuits if they opted out of the class-action case. But legal experts say it’s unlikely that many owners would take the small-claims route because of the time and energy involved in pursuing such lawsuits.

Carnahan found that Honda did commit fraud, but he could not find intentional fraud and thus did not award punitive damages. Most of the damages Peters was awarded were for extra money spent on fuel, both in the past and future, the cost of the car battery, and the decrease in the car’s value because of its problems.

A judge in San Diego County is due to rule in March on whether to approve Honda’s class-action settlement. Members of the class have until Feb. 11 to accept or decline the deal.

This is from no other source than the insurance website- and so check it out.

Yes, before you go let me tell you another way to get low auto insurance- just make an effort and in return get rewarded – with best car insurance and low auto insurance- Compare auto insurance. Compare auto insurance and review car insurance to get low auto insurance rates.

minimum auto insurance premium

Auto insurance premium has no minmium premium charges .

Response : Some companies determine insurance premiums by actuaries, but is there by law a minimum that needs to be charged to policy holders? What risks or fines would a company face if its insurance premiums were a charged at too low an amount?

No, there is no minimum by law.

No, there is no law. But just for your information, some states have auto insurance programs for people of low income.

Each insurance company would decide on the minimum insurance premium that they would charge even if as per the rating and the limits of liability the premium as per this mathametical calculation is less. Let me explain. Suppose if the rate for auto insurance is $1.00 per 100 and some one opts for a liability limit of $10,000 – the auto insurance premium is $100 as per the mathematical calculation, but if the minmum premium for a risk for that georgaphical area is $150/- the insurance company would quote an auto insurance premium of $150/-. Hence it is better at times to try out different limits of insurance when you compare auto insurance quotes, to find out what limits you can get at the minmum premium from an insurance company.

The other way to find out the minimum amount of auto insurance premium is to try and opt for other coverages than the mandatory – which are the liability coverage and see what you are charged for collision or comprehensive insurance.

However, remember it is better not to focus on what is the minmium auto insurance premium but pay the low auto insurance rate at the best and optimum coverage.

Compare auto insurance quotes, review car insurance and get low auto insurance rates now.

compare auto insurance quotes

In the search for vehicle insurance packages, particularly high risk individuals such as insurance, are learner drivers to keep methods of fire from the highest insurance prices in General. You should you are looking for the most competitive family car insurance then could keep paying too much insurance premium costs by taking communication with these six costly errors.

1. Analyze,plan and prepare for your renewal car insurance

Review auto insurance- Auto insurance  is one of the most competitive areas in the world now. Smart acknowledge shopper free staying more of fire for vehicle insurance protection, you should motor vehicle insurance policies review sites look at. About a month before if your insurance option has to be replaced, to an account with at least three or more insurance websites set up review.

2. You are at risk, if you do not have an accidental damage

When may a manufacturer’s warranty in fact on a brand new or even a second-hand vehicle is canceled, we imagine, that you skip regular services; Insurance is vendor packages premium probably in all probability head after escalating up through the actual increased risk to the actual insurance. To keep experiencing a guarantee see, must a driver to prevent that variations on a vehicle without warning of the insurance company first. They can set up a car stereo, increase in PS or even torque, adjustment of the actual power or an alarm system also verge.

3. Buy a new car -Get the latest family car

New cars tend to be in higher insurance categories with the most certainly greater compared to a group of 1 or 2 vehicle. Family auto insurance companies are inclined to believe that there are new types of cars, in particular high-performance vehicles typically have a higher risk. This is really due to the fact that more expensive tends to resolve new vehicle models. Individuals also have beginners far less experience traveling actual which in turn further incidents may refer. An increased risk of a crash is usually much more money to spend the actual insurance company potentially. Select a previously owned vehicle into a low insurance category, a group is ideal 1 car insurance, or even for those who choose a new vehicle with not so much performance and small motor specifications you need to have.

(4) Compare auto insurance risk lowering options  

One of the most important explanations for why people are paying too much for their car insurance is that it details, which could help not take into account the real vehicle insurance risk. This can be from shortening of the total amount by far, the House of the family and company commute saving your motor vehicle in a garage, a verified security alert in the car, as well as find many additional elements. All the previously mentioned may be insurance cover entitles you prices to a decrease in your vehicle, but only, if you think the real vehicle insurance mentioned suppliers. Some other things that could save some money are usually a better place to live; To receive transfer of property in a much better zip code is although a bit drastic.

5. Removing the points which are no longer on your driving record

Make sure that you remove the points which are no longer on your driving record so that you do not continue to pay unnecessary higher premium and get low auto insurance rate or the right applicable rate as per the insurance company. Also chcek and  identify the right, restrictions on your previous accidents. You need to check the accident record for your vehilce if any. Remember that different insurance companies have different time lines for records- some would chek your record for past three years, and some would go as far as 6 years.

6. Submitting accurate mileage insurance plan mileage

Service, which most importantly is for your car insurance company is the distance between the residence and your work. If perhaps, that this can change you should your car insurance organization quickly update, so that they are able, the actual right changes to your auto insurance premium. A variety of other miles that the real vehicle were driven not so significant and not so great impact on the respective vehicle insurance costs. Check you constantly with your insurance only on the safe side to be recorded even though they may not necessarily be. The lesser the miles the lower the auto insurance premium.

The most important insurance companies develop always financial savings earn a great driving success story and protection of the lower classification such as the one car, group 1 car insurance engine. It is always a good idea, check the insurance of your existing insurer and which the new vehicle insurance organization for those who have discovered a cheaper deal.

Compare auto insurance quotes now- review car insurance you deserve low auto insurance rates.

Some people might take pride in their bad driving and boast about all the traffic tickets they get. But normally even careful drivers could have an unlucky period in their life. They could lose control in bad weather and involve in a fender bender or get caught by a speed camera in a desert. So what are they supposed to do to lower their car insurance rates?

First of all, let us hope that you have learned your lessons and want to make a change towards being a good driver. Then you could look at ways of cleaning up your record. A good point to start is to take a driving safety course. These courses could reduce points off your license and regarded favorably by auto insurance companies. You could take further driving courses to lower more point. You could find information about these courses from your local Department of Motor Vehicles.

Secondly, you could look into the ways of lowering your car insurance. Switching to a safer car, dropping some of the coverage, increasing your deductibles and moving to a safer area of the town could reduce your costs considerably.

Reducing car usage to absolute minimum would cut yearly mileage and the cost of insuring. You might want to consider agreeing to a monitoring device on your car. Some insurers offer lower premiums if they could verify that your driving is improved and you are using the car for essential journeys at sensible hours.

In a year you will see considerable reduction on your auto insurance premium if you manage to complete it without any incident and ticket. So you could choose to change and save a lot of money or continue to a point of uninsurable driver.

Lastly, you need to shop around for decent car insurance quotes a bit harder. Not every insurance provider could afford selecting only the good drivers. As the cost of insurance gets higher the amount of money you could save becomes quite significant.

What all neeed to do is to compare auto insurance quote and get low cost car insurances. Compare auto insurance now.

There are three  big tricks you need to always focus on to keep your auto insurance premium consistent

1. Compare auto insurance quotes and reveiw car insurance at least twice a year, one before you buy your car insurance and pay your car insurance premium and the again after six months to review car insurance coverage and check whether you have any changes which might affect your car insurance or if you have the optimium car insurance coverage.

2. Avoid getting into a collision – if you are at fault in a car accident- your car insurance premium is not going to be consistent.

 Involved in a car collision can be a very scary experience for drivers. Often causes a collision that much more damage than a minor traffic accident, which means that the accident could really increase your car insurance premiums. You have the following options to avoid a collision to keep consistent your car insurance premiums.

Keep your eyes on the road

It is important to focus and pay attention to the street in front of you to keep you safe and involved in a collision to avoid. Never you dispense her, even if you put something like a mobile phone or a soft drink. A collision can be done in a few seconds, so the warning is a necessity.

If a child in the vehicle is last then drag on the side of the road, if it is safe, or drag to talk, which handle child and the situation in a close to nearby parking. Sure, imagine respect traffic signs and problems, may be that, where you need to reduce your speed for rate.

Information to correct your Steering

Time is of the essence in a case where a collision can occur. To correct, information fast your control, by a defensive driving class. If a collision occur, you will know how you react and what to try to take, if you, on the road are at a higher speed. Drives must want something hit too hard but not reduced to avoid the rate of speed quickly on the way they are severe head and bodily injuries. After a collision is important, to a low car insurance claims have medical and minimize vehicle damage. This helps you to keep your premiums because of the more consistent your efforts.

3. Be a good driver- no tickets – no speeding.

Obey the speed limit

Most of the collisions that occur today are due to drivers that will exceed the posted speed limits. Always ensure faster limit characters and your travelers speed according to suit look. If you see someone, who could drive irregularly then go away from them. Reduce their speed in an other track because erratic drivers are often under the influence of drugs or alcohol. If you feel the driver is acting erratically select 911 and report the person to the police too, so that it can be withdrawn on otherwise in a collision with him or her involved to avoid someone.

Yes, compare auto insurance quote now if you have not done – start with the first trick. You are on your way to low car insurance quotes.

In the past few years “who is a designate driver” has been approached by many new operators in the transport and small business industry – many of these providing weekend transport to those who go “on the night out”! It is of the utmost importance for road safety that we remove the drunk and impaired drivers from the roads. There is consensus amongst road safety officials that the answer to achieving this is enforcement – not only enforcement from our traffic officials – bit more important, self-enforcement!

The more road users we find self-breathalysing and monitoring their blood alcohol levels, the lesser the risk on our roads. The best advice however remains to use a designated or a zero alcohol level driver. This can either be a friend who is not drinking or a driver from a company who provides this facility at a price.

We usually look at the designated driver from a safety and sober driving perspective only. Bit are you aware how important this might be for your car Insurance premium?

Importance of the Designated Driver for Car Insurance

To consider the importance of the designated driver we should emphasize a few important aspects used in the calculation of car insurance premium:

The insured carThe insured driverThe distance drivenThe time of the day that you driveThe area where you driveClaims history etc

Through the application of the data provided by vehicle telematics these are factors that have become of ever increasing importance to the insurance company. Your car insurer will be aware that the greatest risk to car insurance claims is young drivers driving at night and especially on Friday and Saturday evenings. Driving at these times by young drivers is most often associated with speeding, impaired driving and not only by the driver of that specific vehicle, but also other road users sharing the roads.

By rather pooling funds and paying the designated driver you may be able to save on the risks to your car insurer. You will be driving less at these dangerous times and reduce the risks of unnecessary insurance claims not only brought about by your own driving , but also the fender benders and more serious damage from other impaired drivers! Not only may you avoid increases brought about by additional claims, but you will also be able to travel less with your own vehicle – making ot possible for you to benefit from Pay as you go or pay as your drive premiums!

We would like to urge all our vehicle owners to do some research on designated driving companies in the area where they live. Keep their numbers on your cellular phones and stay on the safe side- ALWAYS!!

Auto insurance companies are well justified to ask more money to insure a vehicle in high density centers. Consider a pool table with 10 balls on it. The chance of hitting one of them is only reasonable. Now consider having 100 balls on the table. Suddenly you can hit them even blindfolded. As well as high accident rates, theft and vandalism losses are considerably higher in main cities too.  

Be that it may, you have advantages and options when you are living in cities that are not available to less populated regions. The first one is the widely available transport networks of subways, buses and trains. So you could easily choose to leave the car home and take the subway in New York, Chicago or Los Angeles. That would reduce your yearly mileage and insurance premium.

If you do not fancy public transport, you can carpool to reduce car dependency. Again most families might need two cars for two working partners even the car is only used certain days. In cities you can do away with second car. Another alternative comes with internet. More and more people choose to work from home one or two days a week. Reducing the number of cars and mileage would cut insurance expenditure.

Increasing security features of your car would reduce chance of automobile theft and lower the rates. Furthermore, buying safer cars would reduce injuries in case of an accident. Insurance friendly cars are well rewarded by insurers. You could easily check the insurance rating of a car before making a decision to buy it.

In some cities like Loss Angeles state authorities might allow the sale of low cost auto insurance for low income families. It is essentially reduced minimum coverage requirements for a lower premium. But that would be better than being on the wrong side of laws by not insuring at all. 

The final car insurance reducing solution is available to anyone regardless of where they live. Always get several quotes and compare them if you like to find cheap auto insurance quotes.

Driving restrcitions and teen auto insurance.

Response :  If a new Federal Act passes, all teens will have to go through an even more steps to get their driver’s license.

 Teens have the highest insurance rates of any other driving group and there is good reason. Teens also have the highest accident rates of any other group. Now, this is not to say that all teen drivers are bad. They just do not have the experience and maturity level that is learned with experience and this leads to more accidents.

To try and keep our teen drivers safe (and the rest of us) a new law is making its way through congress that would impose teen driving restrictions for drivers under the age of 18.

 Senator Kirsten Gillibrand from New York has submitted a proposal to the Senate that would set getting a driver’s license into a multi-tier process rather than the two steps it is today.

The act would have the first level stay the same with the new teen driver being issued a permit. The only difference is that it would be illegal for permit drivers to text or talk on a cell phone while driving.

The second level is a restricted license at age 16. The driver would be restricted from driving at night and also from texting and talking on a cell phone while driving. An unrestricted license would not be issued until age 18, different from the unrestricted license that is now issued at age 16.

Driver’s licensing is similar to insurance; it can vary from state to state. Some states have very loose rules such as a driver can be issued a  permit  at age 14 and a license at age 15. Other states already adopt a graduated licensing approach like the one that is trying to make its way through the Senate.

The difference is that if the Safe Teen and Novice Driver Uniform Protection Act is passed and put into effect that this would be a federal law. Meaning that each state will have to adopt this law instead of the licensing laws being different from one state to another.

Because drivers that are age 16-17 will be restricted from driving at night their driving exposure is cut to half of what it was previously. Also, with restrictions on cell phone usage while driving, one would reason that there should be a decrease in insurance premium for their teen driver.

Of course, this all will depend on the insurance company. If your teen has restrictions on their license right now ask you agent how it makes a difference on your insurance premium. Also if your insurance company offers any discounts for a restricted teen license.

Also as more and more statistics are being released to confirm that restricting teen driving time does decrease teen accidents we may see insurance rates start to be more reasonable for this group.

Please also understand what is Named drivers restriction and how this would affect the auto insurance rates.

Make sure that your driving record is perfect

Women are known to be safer drivers than men are, so it is important for logging driving them clean. Obey the speed limit; Speed limit signs are posted on motorways and roads always visible. Prevention of accidents to travel with the correct speeds; You maintain your car and in accordance with the rules of the road. No drivers are reckless or angry and always for pedestrians.

Do not add additional household members do to your insurance policy

Some women have roommates or family members with them life. Avoid you, add your insurance policy of other drivers. The additional risk that the insurance policy is added, is much raised your car insurance premiums. If someone asks you can be then polite on your auto insurance policy necessarily say not because to protect your insurance premiums.

Improve your credit history

A credit score is very important, how much risk of a driver on the table in terms of their auto insurance policy is examined. An excellent credit score, which exceed 600 helps a significantly lower insurance premium rate receive a woman. If you want the cheapest premium possible, then consider consolidating your debts and she paid. This will drastically improve your credit score and can pay you monthly on a recurring payment only focus.

Choose a vehicle that is safe

You have a secure vehicle helps women to reduce the chances they will be involved in a car accident. Find a vehicle that has good security reviews. You are looking for more security features such as ABS, cruise control, airbags and a security system. These additional elements reduce car insurance premiums a woman, because they the vehicle safer and less likely be stolen by car thieves. With your vehicle, it is always in safe neighborhoods parking be useful, never more than eight hours leave, if necessary, to lock the doors always, when to leave the vehicle.

Fortunately, it is easier to get the cheapest car insurance for women with insurance companies today, making the screening process much easier for them. Indeed, car insurance is a mandatory requirement that every motorist should have. With the economic recession and the cost of fuel increasing each day, there’s nothing more wonderful than getting cheap car insurance for your vehicle. Below, let’s discuss why women get affordable car insurance rate and the things to do to make the rates even cheaper through discounts. Get loads of low-cost auto insurance quotes today; enter your zip code and click “Get Quotes”.

The truth is, there are so many explanations why women are being offered with cheaper rates by a lot of insurance companies. Yes, they are better and more responsible drivers, they drive safely and use typical cars that are not expensive to repair or replace. They are also observant and careful behind the wheels. They have less traffic violations and much better driving record. All of these bases will contribute a lot to the chances of getting cheap car insurance for women. Women can also make the most of the available discounts and sometimes, a specific discount exclusively for women.

Of course, car insurance companies are investment companies and they will normally charge you with higher insurance rates if they think of you as a risk to their business. So, if you are using an expensive car, have tainted driving record with too many traffic violations or made claims many times, your level of foreseen risk to the company increase and this will reflect to your insurance premium. Insurance data claims repeatedly the women belong to low-risk category and this is the reason why car insurance companies provide cheapest car insurance for women.

For women, it is recommended to make the most of the special discounts that are available. The best way to get this is by shopping around for a specific insurance provider that specializes in providing auto insurance for women only. Right now, the insurance market is highly competitive and due to the poplar belief of women making fewer claims compared to men, several insurance companies that cater exclusively for women emerged to take reliable and safer drivers and offer protection. You can also do something to increase your chance of getting discounts. One is by driving a safe car with small engine that isn’t hard and costly to replace or repair. Safety features and anti0theft devices may also reduce car insurance cost. There are so many ways to decrease your insurance rates that include increasing deductible, keeping driving clean and credit rating high.

To add, there is an effective way for men to save money from car insurance. This is by adding him in women car insurance policy, making him as the secondary driver of the policy. This is a smart insurance strategy that not everyone knows; however, this is advantageous as it covers two drivers in one household. There is nothing wrong with this set-up provided that the male driver will only use the covered car. Cheapest car insurance for women can be attained if you apply effective and correct ways.

Tagged as: Cheapest Car Insurance for Women