Attorney Lawyer Information: October 2008

Tuesday, October 28, 2008

Importance of Car Insurance Quotes

Importance of Car Insurance
Quotes

When you consider buying car insurance, you are sure to get
confused on the right company to approach for your policy. This is because there
are so many companies offering different types of policies, at different
interest rates. So to help you make your decision, it is better to get as many
car insurance quotes so that you can compare and decide on the best policy for
your car.

The internet is the best place for you to start with car
insurance quotes. There are many insurance companies here having websites
providing information about their policies. It is better to approach the more
famous and reliable companies as they are a safer option for your
policy.

On visiting their websites, you will find an online insurance
quote form which you will have to fill out to get your quote from the company.
All you have to do is to provide some basic and fundamental information about
yourself on the form. On receiving the form, you will receive the car insurance
quote within a matter of minutes.

Your age, the model of the car you own,
your gender and the rate of your car all influence your car insurance quote. The
more expensive the car is, and the more difficult it is to get spare parts for
the car, the higher will be the car insurance quote. Additionally, women and
middle aged people call for lower insurance quotes as they are considered to be
safer drivers.

Besides using the internet to get your car insurance
quotes, you can always approach the car insurance companies personally and make
a request for a quote. You will then be asked to fill out a form, wherein the
quote will be sent to you by post. Not only will you not be able to get many
insurance quotes on visiting insurance companies personally, you don't receive
these quotes immediately.

This is why many people prefer getting their
insurance quotes through the internet. This is because they will be able to get
more quotes within a day, and be able to make comparisons amongst the quotes. In
fact, you can also request for a few quotes from a single company, while
changing the cost and interest rate of the insurance policy.

The
insurance quote does not actually promise you a car insurance policy; it only
gives you a rough estimate about the car insurance policy. it is only after you
receive the quotes, make comparisons and decide on the company offering the best
interest rates do you approach them for your car insurance policy.

So it
can be said that by getting and comparing car insurance quotes, you stand to
save lots of money. This is because it is not always that the first company you
find offers you the best interest rates. There are other companies that offer
discounts and packages that will help you save money. And it is only through car
insurance quotes that you learn about the best car insurance policy for
yourself.

Finding the Cheapest Car
Insurance Quote

The quickest way to get a car insurance quote is
online, and it is also the best if you want to find the cheapest price available
for the type of insuring agreement that you are looking for. However, online is
not the only way to get a quote, and people were buying car insurances long
before computers came on the scene.

The snail's pace equivalent of an
online quote was the telephone quote, whereby you would telephone auto insurance
companies and request a quotation. Either they would post you a form by snail
mail, or they would take your details and provide you with a quote over the
phone: no toll free numbers then, so the quote was anything but free. In fact in
many cases you had to pay for the quote, on the pretext that it cost the
insurance company time and money to provide you with a quotation. No mention of
what it cost you in telephone charges!

If you wanted to compare prices
you literally had to walk the streets from office to office (you couldn't drive
your uninsured motor vehicle!) and it was not easy to negotiate for discounts.
Now, however, it is much simpler with the internet and most auto insurance
companies offer automobile insurance policies online. You can get the quote
online and accept it online. It is also a lot easier to negotiate the best auto
insurance rates possible by comparing the prices of a large number of companies
from the comfort of your home. You needn't deal only with insurers that have
branches in your home town, but nationwide - even international!

Before
applying for online quotes you are advised to decide in advance what level of
cover you want in your automobile insurance policy. If you want to carry out
real comparisons, each insurer should be given the same information. If want to
see the difference in price with and without collision coverage, for example,
you can do that later. Right now you should be checking out the cheapest for the
basic type of insurance most relevant to your needs. Collision and physical
damage coverage can be added later once you have a short-list.

Your
initial insurance quote should be for the state minimum liability cover, and you
can include collision here, but only if you do so for all insurers and only if
your car warrants it. Collision coverage is a waste of money if your car is
going to be totalled after a small bump! Comprehensive fits into the same
category. However, you might want personal injury coverage to pay for your
medical expenses if you are injured, but again state it for each quote and also
state the same amount for each motor insurance company.

Where at all
possible keep all the information you provide exactly the same across the board.
Each form will be different, so it might not be possible to keep them exactly
the same, but it should be as near as you can, otherwise your comparisons will
not be valid and you won't necessarily get the cheapest quotes. The idea is to
get a car insurance quote from each auto insurance company that is based upon
the same information, and then to decide which are the cheapest: i.e. which
provide the same level of cover for less money.

These will form your
final list from which you are going to select your choice of motor insurer. The
final choice will be based upon by how much you can beat them down using the
various factors that can be used to get discounts. Factors such as your
deductible - never include your maximum deductible in the initial quotation
form. Keep some up your sleeve for future negotiation.

The general idea
is to get a final three or four, and then to get further discounts from each of
these. That's when you tell them about the driving courses you have taken, or
the extra safety features on your car. Tell them about your car being garaged
and locked up every night and anything else you can think of that might get you
a discount. They won't offer you one, but if you ask then you can get reductions
if they are warranted.

Your objective is to get a car insurance quote
that is as cheap as possible while not sacrificing any of the cover that you
feel you need. You can achieve that much easier by comparing a number of
different insurers online.

Benefits of a Online Car Insurance
Quote

If you are looking for car insurance, one of the fastest and best
ways to get a great deal on insurance today is to get online and look for online
car insurance quotes. There are so many car insurance companies out there, but
long gone are the days that you have to go visit an insurance broker or call
around trying to find a great rate. Instead, you can just get on your computer,
and with a few clicks of the mouse you'll have what you need right on your
screen. So, the following are a few of the best benefits that you can enjoy when
you go online for your car insurance.

You Can Shop for Car Insurance at
Home

One of the main benefits of checking out online car insurance quotes
is that it gives you the ability to shop for car insurance at home. You'll save
money on gas, which is a big consideration these days, and you won't spend your
time driving from place to place looking for a decent quote. All you'll have to
do is boot up your computer, get online, and start searching for the quotes you
need.

The Quotes are Free and Instant

Another great benefit of
going online for your car insurance needs is that the online car insurance
quotes you'll get are free and instant. You won't have to pay a thing to get
quotes, even from several different companies. As soon as you fill out their
forms you'll get instant quotes, so you won't have to wait around wondering what
they'll want to charge you. However, it is important that you always fill out
these forms accurately or there may be a discrepancy with the quote you are
given.

Quick Forms to Fill Out

The forms that you have to fill out
online to go your online car insurance quotes are usually quick and easy to fill
out. You won't have to worry about mountains of paperwork to complete; in fact,
usually you can have the forms completed and submitted within about five minutes
or so. So, going online for your car insurance quotes definitely makes it both
quick and easy to get the car insurance quotes that you want and
need.

Easy to Compare Rates

It is extremely easy to compare rates
when you get online car insurance quotes as well. If you want to get the best
deal on your car insurance, comparing rates is the best way to do so, and if you
don't look online, it can take a lot of time to get and compare different rates
for your car insurance. There are actually sites that will offer you multiple
online car insurance quotes and show you which ones are the best deals for you,
which is a huge help. So, if you want to compare the car insurance quotes to
find the best deal, going online is definitely going to be the quickest and
easiest way to do this.

You'll Save Money

Yet another benefit of
going with online car insurance quotes is that you'll send money. Not only will
you be easily able to compare rates to get a great deal, but many car insurance
companies actually offer better rates to customers who get their insurance
online. So, you'll be able to save money on car insurance, just by going online
to get your quote.

As you can see, there are many great benefits to
getting online car insurance quotes. They are easy to get, quick, and they'll
help you save some money as well. So, if you are looking for a great deal on
your car insurance, consider going online to get a quote
today.

What is DUI?

What is DUI?

DUI stands for Driving Under the Influence, and is sometimes called DWI (Driving While Intoxicated), OUI (Operating Under the Influence) and OWI (Operating While Intoxicated).

Who can get a DUI?

Anyone under the influence of alcohol or drugs who is driving or operating a motor vehicle. In some states, you can even get a DUI for just sitting or lying in your car, for riding a bicycle or lawnmower, or for driving a boat.

What happens during DUI arrests?

Police officers perform tests to determine your level of impairment. In most states, refusing to let an officer measure your blood alcohol content (BAC) with a roadside breathalyzer comes with serious consequences.
Field sobriety tests, though, are often optional.

Want to know about DUI laws?

It is a crime in all 50 states to operate a motor vehicle with a blood alcohol content (BAC) at or above .08%.
If you're convicted of DUI, you could face significant penalties, which vary from state to state but may include:
Loss or suspension of driver's license
Probation;
Community service;
Fines;
License plate suspension;
Seizure of your vehicle;
Mandatory drug/alcohol counseling/classes;
Jail or prison time;
Installation of an ignition interlock device;
Requirement of high-risk (high-cost) insurance; and/or
Liability for any personal or property damage you caused.
Will your DUI arrest lead to a conviction?
Not necessarily.
DUI tests are far from perfect, and you may be able to challenge their results and fight your DUI charge.

Sunday, October 26, 2008

DUI Accidents

The US Department of Transportation (DOT) notes that there are well over two hundred million licensed drivers in the United States alone. When an individual operates a motor vehicle on any highway, street, alleyway, shopping center complex, or parking lot while under the influence of an intoxicant, he/she commits a DUI offense. According to National Highway Traffic Safety Administration (NHTSA) statistics, an individual dies every thirty-one minutes as a direct result of impaired driving and every two minutes a person is injured.

Have you or someone you know been involved in a DUI accident? Contact a DUI accidents lawyer in your area to get help with your case today!

About 45 people are killed every day in DUI related accidents. Information like this demonstrates how prevalent DUI's are in today’s society. Below are more facts about DUI Accidents:

About three in every 10 Americans will be involved in a DUI/DWI crash at some time in their lives.
About one-third of all DUI drivers are repeat offenders.
DUI drivers have a greater risk of involvement in a fatal crash.
Alcohol is a factor in 38% of fatal crashes and 7% of all crashes.
Motor Vehicle crashes account for over one-third of all deaths for people between the ages 15-20.
Over thirty-three percent of fatal motor vehicle accidents that involved people between the ages of 15-20 involved alcohol.
Drivers involved in fatal car crashes with the highest recorded intoxication rates by age include; 21-24 year-olds (28%), 25-34 year-olds (24%), and 35- 44 year-olds (21%).

An intoxicant usually refers to alcohol, but it ultimately means anything that can impair your ability to drive a motor vehicle such as prescription drugs, illegal drugs, or even over-the-counter medications. The effects of drunk driving vary from person to person, but the penalties are basically the same under the law.

DUI’s are more common than people want to believe. They take place at an alarming rate, and bring about a series of severe and lasting consequences. A DUI can entail various time-consuming proceedings and result in many unwanted costs such as a suspended license, towing fees, court costs, or increased insurance rates. If you find yourself implicated in a DUI case, you do have options. You should seek qualified and skilled legal counsel from an experienced DUI attorney for your best defense in this complicated situation.

Have you or someone you know been involved in a DUI accident? Contact a DUI accidents lawyer in your area to get help with your case today!

Tuesday, October 28, 2008

Sunday, October 26, 2008

Thursday, October 23, 2008

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