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Personal Auto

How Moving Affects Your Auto and Home Insurance

America is on the move. With many employers required or volunteered to offer their employees to work from home and with the telecom availability, people are leaving their more expensive cities and houses, and moving out to cheaper places. In San Francisco, for instance, the exodus is so big, it’s a major news headline every other day with a special vacancy / rent reduction coverage once a week on all media outlets.

Moving can come with a lot of stress. Not only do you have to figure out moving costs, pack and orchestrate the movers, but you also have to update your address across all relevant forms. Two important things to pay special attention to during this time are your auto insurance and home insurance.

No one wants to spend hours getting new insurance quotes or transferring over insurance information, but doing so will protect you, your home, and your vehicle during and after your move. Here, we’ve answered the most common auto and home insurance questions to help cover your bases during your upcoming move.

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DMV Reporting – what’s new

As of September 2018, 37 states require carriers to report coverage on vehicles they cover to departments of motor vehicles. Many states require data for commercial vehicles and have rigid timelines for reporting based on the coverage effective date. Some states are considering fines for continually exceeding their timelines. Police patrol cars now scan vehicle license plates for up-to-date insurance coverage and are more likely to rely on DMV supplied information rather than an insurance ID card. It has never been more important to provide timely and accurate information for DMV reporting.

The information below is to inform you of how DMV accomplishes reporting, what is reported when the reports are submitted, and what can happen if there is no report.

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Child Passenger Safety Requirements by State

ALABAMA
Children ages 6 until 15 are required to wear a seat belt in all seats.
Booster seats or child safety seats are required until age 6.
Children must be in forward-facing seats or convertible seats until age 5 or 40 lbs. Infant seats and convertible seats are required to be rear-facing until passenger is at least 1 year old or 20 lbs. in weight.
All child restraint laws are standard enforcement.
Read More »Child Passenger Safety Requirements by State

Winter Driving Tips

winter-driving-tipsGoing to Tahoe for a weekend? Read these 10 winter driving tips and have a safe journey:

1. Winterize your vehicle Check your battery, front and rear defrosters, fill up the washer fluid and antifreeze, inflate your tires to the correct pressure, and keep your gas tank at least half full to avoid frozen fuel lines.
2. Clear your windshield  Never pour hot water over the windows to melt the ice and snow. This will typically shatter the windshield. Use a plastic scraper to avoid scratching the glass and use the front and rear defrosters to melt the ice. Avoid using your windshield wipers until after all the ice and snow have been removed.
3. Don’t just clear your windshield Don’t forget to clear all of the other windows, as well as the roof, hood, mirrors, headlights and tail lights, license plates and the exhaust pipe. This will prevent accumulated ice and snow from becoming an airborne hazard for other drivers.

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Prepare RV for Winter to Prevent Claims in Spring

If you have made the decision to end your camping season for the winter, you’ll need to perform some routine preventative maintenance on your RV to avoid expensive repairs in the spring. Depending on where you live, winterization can be done at a local RV dealership for a nominal fee, but many RVers opt to handle these duties themselves. This handy checklist should help you to prepare for winter: Prep the plumbing system for winter: [list icon=”help” color=”green”] Remove or bypass any filters Drain the fresh water tank Drain and flush the gray and black water tanks Drain the water heater (be sure to open… Read More »Prepare RV for Winter to Prevent Claims in Spring

Deer Collisions Season Started

What weighs 200 pounds, reaches speeds of up to 45 mph and can cost you thousands of dollars in a split-second? Deer collisions cost U.S. drivers millions every year, with an average repair cost of more than $4,000 for each claim. Odds for a deer collision double from October through December, so it’s time to understand the difference between comprehensive and collision coverages and learn more about how to avoid a deer accident: Be more alert at dawn and dusk, when deer are most active If you feel the need to swerve, use caution and be aware of oncoming traffic… Read More »Deer Collisions Season Started

RateWatch: in 2014 Personal Auto Rates Rose 2.1%, Homeowners 3.5%

RateWatch in 2014 Personal Auto and Homeowners Rates RosePersonal auto insurance companies increased their rates by an average of 2.1% countrywide in 2014, according to California-based insurance consulting firm Perr & Knight’s RateWatch reports.

The three states with the highest overall increases were:

Michigan: 5.2%
Georgia: 4.7%
Rhode Island: 4.2%

Homeowners insurers increased their rates by an average of 3.5% countrywide in 2014.

The states with the highest overall rate increases were:

Kansas: 8.5%
Texas: 7.8%
Montana: 7.7%Read More »RateWatch: in 2014 Personal Auto Rates Rose 2.1%, Homeowners 3.5%

States Allowing Electronic Proof of Auto Insurance

According to the Property Casualty Insurers Association of America, the following are states that have adopted e-card laws and/or regulations are:

US Map

 

  1. Alaska
  2. Arkansas
  3. Colorado
  4. Florida
  5. Georgia
  6. Illinois
  7. Indiana
  8. Iowa
  9. Kansas
  10. Kentucky
  11. Maine
  12. Mississippi
  13. Missouri
  14. North Dakota
  15. Oklahoma
  16. Oregon
  17. Pennsylvania
  18. Tennessee
  19. Texas
  20. Utah
  21. Washington
  22. Wisconsin
  23. Wyoming

Florida is joining the ranks of other states and allow drivers to show law enforcement officers their proof of automobile insurance through their cell phone and other electronic means.

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