Author: Corey Walkerbr
Source: articlerich.combr
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Most people think, well it will never happen to me, but vehicle (car and motorcycle accidents) are the #1 cause of accidental death and disability with more than 6 million accidents each year causing 3 million injuries and more than 42,500 deaths. That means that you have a better than 98% chance of getting into a vehicle accident during your lifetime. Every year hundreds of Iowans are permanently disabled and killed in vehicle accidents caused by drivers with little or no insurance. What many Iowans dont know is that Iowa law only requires $20,000 in insurance coverage for bodily injuries. Given the rising costs of medical care, that barely covers a trip to the hospital and follow-up medical care. Statistically, about 12% of Iowans dont carry any vehicle insurance and we estimate that another 70% of Iowans dont have enough. While the economy slows down, even fewer Iowans are buying insurance for their vehicles.

What happens if you are involved in a vehicle crash with an uninsured driver and cannot return to work? What can be done to protect you and your family from irresponsible and uninsured drivers? The insurance companies probably have not told you, but I will and I do not sell insurance. I have found that what most Iowans dont know is that uninsured and underinsured motorist insurance coverage is the only automobile insurance that protects them and their family. What does $20,000/$40,000 mean, anyway?

Whenever auto insurance coverage is expressed as $20,000/$40,000 or $300,000/$500,000, the policy is telling you what coverage is available per person injured in the accident and what total coverage is available to all persons injured in a single accident. So, if you have $20,000/$40,000 coverage, each injured person would be covered up to $20,000, but the total coverage available for the accident is only $40,000. If four people are hurt in the accident, the most any one person would be paid is $20,000 but all five people would have to share the total of $40,000. In this situation, if any one persons damages exceeded $20,000, or if the entire claim of all people in the accident exceeds $40,000, you could be personally responsible for what the policy did not pay.

Do you know how much coverage you have to protect you and your family? My experience is that most Iowans dont. If you have enough Uninsured(UM)/Underinsured(UIM) Motorist coverage and a driver who has either no insurance or not enough insurance hurts you or your family, then your insurance company will pay for your damages up to the limits of insurance coverage you purchased. Uninsured(UM) Motorist coverage is also very important because if you are the victim of a hit and run and the other driver is not caught, your UM coverage will provide you with protection. Okay, how much does it cost? A recent survey of the leading insurance companies shows that for most Iowa drivers the difference between $20,000 and $500,000 in coverage is less than a dollar per day. The cost for increased coverage ranged from a low of $.15 per day to a high of $.72 per day.
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Would you like to know which insurance company had the lowest rate and learn more about vehicle insurance? It is important that you protect yourself and your family even in these tough times. Accidents happen all the time and you need to be prepared. If you would like to learn more about your insurance needs you can request a copy of our Free book by going to A href=http://www.iowainsurancebook.com/http://www.iowainsurancebook.com/Abr
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Author: Cynthia B. Carltonbr
Source: ezinearticles.combr
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With the ever increasing number of vehicles on the market, more and more automobile insurance companies offer discounted premium rates, in the attempt to attract more customers or enter a new market segment. However, very cheap car insurance policies come with their share of downsides.

First and foremost, before contracting such a policy, you should first do a bit of background research on the company you plan to buy from. If the deal looks too good to be true, you could be facing a scam. Visit their website. If it looks like it was designed by a man in a white van (free stock template, none or insufficient contact methods, poor and/or Web 1.0 design), then consider looking for other providers. If that company couldnt pay a few hundred dollars to have a decent looking website, they probably run their business in an unprofessional manner.

Another common con of very cheap car insurances is a narrow range of services. Perhaps you dont need, say, roadside assistance or overseas coverage now, but you should make sure that, if you change your mind, they can extend your policy with such plans. There is nothing more annoying than planning to go on a trip abroad and having to look for another insurance company at the very last moment, because yours doesnt offer such services.

Last, but not least, make sure you inquire how soon they handle claim requests. If you pay only a few dollars less for the monthly premium and it takes them several weeks to wire you the indemnity in case of an accident then you should probably consider moving to another company. Even though the contract might say they handle all issues within a few business days, make sure you look up testimonials and reviews, as its always better to be safe then sorry.

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Author: Alex Tolstykbr
Source: add-articles.combr
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If youre going to make a trip, either personal or business, you will maybe want to rent a car upon arriving to your destination. A number of airports have car rental offices onsite for passengers ease. These tips on how to rent a car will help you to strike a nice deal.

The known worlwide car rental agencies have their offices throughout America and often globally. There is not such a notion as the best company in this field. It really matters to look round. The cost will depend on the type and make of car, the period of time, and things like agency special conditions or sort of. You can easily compare prices online and you can book a car on-line too.

Nearly every rental car has automatic drive, tuner, and air conditioning. Even if you prefer a manual drive, chances are it will not be available upon arrival. If youre travelling with kids they will need child safety seats, dont forget to call for them when you book a car.

If youre renting a car in America, you usually dont need an international driving license. Your license from your home country will be enough. In other words, an international license could be useful in proving to the agency that you have a valid license specifically if they are not conversant with the licenses from your country.

Rental agencies have different rules about who they will rent to. Some of them wont rent to anybody under the age of 25 when other agencies wont rent to anybody over the age of 70. Some other rent to persons under the age of 25 but may ask for payment for that. Check with the company for their restrictions before you book a car.

The car rental sector is highly competitive so prices change often. Some agencies offer frequent advertized deals. Others carry out random additional promotions. If clientage is low chances are you can have a better price than if youre attempting to rent on high season. No one rental company has the best prices. It just depends on the situation, so do your preparation and dont be timid to try to negotiate a better price!

Occasionally if you book thru a travel agent, you may get a better price on your rented car. Some packages even involve the rental fees. Compare those offers to choose which is more suitable.

Please do remember one more important thing: the car rental insurance is where many companies really overcharge you. The collision damage waiver and theft insurance they try to sell to you is priced absurdly high. But you also cant gamble driving without it. Some auto insurance agencies have a rider that covers you and some credit cards also provide you with free insurance wrap. Check what you can do to hold off buying the rental agencys insurance because it can nearly double the cost of your rental.

Now when you know how to rent a car and get the better deal, you will have some extra money in your pocket to begin preparing your next trip with the thought that you did everything right.br
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Author: Mike Page-6647
Source: articledashboard.com

It was while browsing the US Bureau of Labor Statistics website (http://www.bls.gov) for a little careers advice that I picked up on the following:

“Motor vehicles – passenger cars, sport utility vehicles (SUVs), pickup trucks and vans, heavy-duty trucks, buses, and other special-purpose motor vehicles ranging from limousines to garbage trucks – play a central role in our society.

“Most U.S. residents rely on them daily to travel to work or school, shop, or visit family and friends. Businesses depend on motor vehicles to transport people and goods. The United States is the world’s largest marketplace for motor vehicles because of the size and affluence of its population.”

It didn’t strike me at first; but later, while I was writing a piece about traffic wardens, the deeper (and quite possibly unintentional) meaning of these words impressed itself on me.

We’re taught to believe that after 120 years of faithful service (for all you buffs, 1886 was the year Karl Benz unveiled his ‘Patent Motorwagen’, widely regarded as the first automobile), the motor car is here to stay. The motor industry in the UK may be in decline, but the demand for motor insurance certainly isn’t – and any job which involves servicing, repairing, policing or just driving cars is thought to offer that rare kind of security otherwise enjoyed by midwives and undertakers (it’s a job for life, in other words).

However, reading those paragraphs on the US Labor site gave me rise to question the ‘central role in our society’ apparently played by the motor car. Don’t we have something to worry about if ‘most’ Americans can’t meet any of their social, financial or dietary needs without putting pedal to metal? And if this is the case, why is the US population’s ‘size and affluence’ made to seem responsible for this dependency?

A short stroll down the sidewalk in most US towns and cities will confirm that there really is no trip short enough to leave the car in the garage. Pavements in the States are the peopled by the odd child or grandparent, but everyone of license-bearing age stays well clear. They may well get phased-out altogether some day, vanishing unexpectedly like handy local stores do in the UK – everyone (in both countries) shops at out-of-town outlets anyway.

Now it would be unreasonable of me to say that a 45-minute hike in the noonday sun beats a ten-minute drive in air-conditioned comfort, but why have we ended up organising our lives so that all the good stuff is 45 minutes away?

In a one-horse town at the turn of the century, you rarely needed to walk further than the end of the street for your shopping and socializing, and work was round the corner. But in 107 years of progress, we have succeeded in putting all these things so far away that man is no longer capable of living under his own steam.

Buying one of these automobiles (thanks, Karl) was supposed to bring everything closer to hand, but in fact it’s done just the opposite.

Cars – and the illusion of freedom that comes with them – have thus become a dangerous addiction for the world’s most affluent countries. Their benefits are essentially short-lived (i.e. lasting only until the world started moving further away), and their effects massively habit-forming. But would going car cold turkey bring a developed nation to its knees, or back to its feet?

The question is moot, of course. The only thing a traffic warden need fear in terms of his job security is the advent of robot traffic wardens. There is simply too much industry – and too much oil – riding on car sales and servicing in the States and elsewhere to threaten the continued success of the horseless carriage.

Like the traffic warden’s, my job at a UK car insurance company is hopelessly dependant on the assured fate of the motor car. I work here alongside a team of motor insurance experts, who earn their wage by betting against the chance of cars crashing or disappearing.

It’s funny, but if they offered that kind of wager at the bookies I’d put on every penny I had.