Tag Archives: Insurance

5 Ways to Find the Right Auto Insurance Coverage on a Budget

hardship license, cheapest auto insurance, best insurance rates, sr22, non-owner, no car, sr-22

5 Ways to Find the Right Auto Insurance Coverage on a Budget

5 Ways to Find the Right Auto Insurance Coverage on a Budget – Finding cheap Auto Insurance in  your state that gives you cover you need isn’t easy, especially with so many car insurance companies around. They may tell you theirs is the cheapest car insurance around, but is it the best car insurance for you?

At Select Insurance Group, you could get the cover you need for a lot less than you’d expect to pay simply by shopping your coverage with over 15 carriers. And don’t just take our word for it. *You can quickly see what our customers said they saved by switching to Select Insurance Group.

Now, compare auto insurance quotes online with Select Insurance Group (we can give you an insurance quote online in just three minutes) and see just how much you could save.

If you’re serious about getting a cheap auto insurance quote with some great policy options, get a car insurance quote online from us today.

Here are some tips for saving money on your auto insurance:

  1. Shop around. A Trusted Choice® independent insurance agent like Select Insurance Group can help you get quotes from multiple insurance carriers to make sure you are getting the best rates available.
  2. Bundle your policies. Most insurance companies offer discounts if you purchase more than one policy from them. And the more policies you have (homeowners, car, boat, motorcycle, personal umbrella, etc.), the greater your discount.
  3. Maximize discounts. Insurance companies usually offer a wide variety of discounts, such discounts for multiple policies, safe driving, and good students. Your agent will work with you to ensure that you receive any discounts that you qualify for.
  4. Keep a clean driving record. Traffic violations have a negative impact on your insurance rates. Avoiding tickets and accidents keeps your rates down, and many insurance companies offer additional discounts for people with clean driving records.
  5. Choose higher deductibles. The higher the deductible, the lower the premium. If you think you will have enough cash to cover your deductible if you have to file a claim, consider a higher deductible to lower your rates.

Reasons for CDL Disqualification

CDL, Commercial Truck Driver, DUI, SR22, Suspension, Laws, Legal, Lawyer, Disqualification, Info

Reasons for CDL Disqualification

Reasons for CDL Disqualification  – Reporting requirements under the CDL program have been in effect since 1988. Commercial drivers must notify the Secretary of State of the following:

  • Any out-of-state traffic violation within 30 days of conviction.
  • Any out-of-state suspension, revocation or cancellation of driving privileges, as well as disqualification or out-of-service actions, within 30 days of the effective date.
  • Change of name or address within 10 days. The driver has 30 days to obtain a corrected CDL.

Commercial drivers also must notify their employer of the following:

  • Any traffic violation within 30 days of the date of conviction.
  • Any suspension, revocation or cancellation of their driving privileges, as well as any disqualification or out-of-service action, within one day of notification of action.
  • Complete employment and driving record for the previous 10 years.

1.13 Alcohol Provisions

Law requires drivers operating a commercial motor vehicle (CMV) or a non-commercial motor vehicle (nonCMV) on highways to automatically give their consent to submit to certain tests to determine blood-alcohol concentration (BAC). A CDL holder may not operate a commercial vehicle with a BAC of .04 or more or a noncommercial vehicle with a BAC of .08 or more.

Drinking and Driving, CDL, Commercial Driver, License, Suspension, DUI
  • Any driver operating a CMV or non-CMV who refuses to submit to chemical testing or submits to a test with results in excess of the legal limit is disqualified for a minimum 12 months.
  • Any driver convicted of DUI (regardless of BAC) is disqualified for a minimum 12 months.
  • If either violation above takes place while transporting placarded hazardous materials, the driver is disqualified for a minimum three years.
  • A driver who commits two of the above violations, arising from two or more incidents, is disqualified for life.
  • A CDL holder operating a CMV found to have any alcohol in his or her system is placed out of service for at least 24 hours.
  • Anyone convicted of driving a commercial motor vehicle with any amount of drug, substance or compound resulting from unlawful use or consumption of cannabis listed in the Cannabis Control Act or controlled substance listed in the Controlled Substance Act is disqualified for a minimum 12 months.

1.14 Other Offenses Leading to Disqualification

The following offenses also will lead to disqualification:

  • Knowingly and willfully leaving the scene of an accident while operating a CMV or non-CMV results in disqualification for a minimum 12 months.
  • Committing a felony while operating a CMV or non-CMV results in disqualification for a minimum 12 months.
  • A conviction for either offense above while carrying placarded hazardous materials results in disqualification for a minimum three years.
  • A conviction for violation of an out-of-service order results in disqualification for a minimum six months.
  • The use of a CMV or non-CMV in the commission of any felony involving manufacturing, distributing or dispensing a controlled substance, or possession with intent to manufacture, distribute or disperse a controlled substance, results in a lifetime disqualification.
  • Operating a commercial motor vehicle in violation of regulations pertaining to railroad-highway grade crossings: first conviction – 60 day disqualification; second conviction within a three-year period —120-day disqualification; third and subsequent conviction within a three-year period — one year disqualification.

Excessive Speeding

Excessive speeding involving any single offense for any speed of 15 mph or more above the posted speed limit.

  • Failure to reduce speed to avoid an accident.
  • Driving too fast for conditions.
  • Exceeding the speed limit in a school zone.

Reckless Driving

Operating a CMV or non-CMV in a manner that exhibits a willful, wanton or reckless disregard of the safety of persons or property.

  • Passing a vehicle stopped for a pedestrian in a crosswalk.
  • Driving on a sidewalk.
  • Passing a school bus receiving or discharging passengers or displaying a warning not to pass.

No Valid CDL

Operating a CMV without a valid CDL.

  • Operating a CMV with an improper classification or restriction.
  • Violation of an instruction permit.

Following Too Closely

Following the vehicle ahead too closely.

  • Failure of a truck to leave sufficient distance for being overtaken by another vehicle.

Improper Lane Usage

Improper or erratic traffic lane changes.

  • Improper lane changing, lane usage and/or center lane usage.
  • Improper passing.
  • Passing on a hill or curve or when prohibited.
  • Passing on wrong side of the road.
  • Improper passing on shoulder, left or right.
  • Driving wrong way on a one-way street or highway.
  • Driving on the left side of the roadway.
  • Passing in a school zone.

Conviction Involving a Fatal Accident

A violation of any state law or local ordinance relating to motor vehicle traffic control (other than parking violations) arising in connection with a fatal traffic accident.

Multiple Licenses

A violation relating to a CMV driver having multiple driverʼs licenses.

Traffic Violations

Two serious traffic violations within a three-year period results in a two-month disqualification. Three serious traffic violations in the same period results in a four-month disqualification.

Cheap Uber And Lyft Rideshare Insurance

uber rideshare insurance

Cheap Uber And Lyft Rideshare Insurance

Cheap Uber And Lyft Rideshare Insurance – Uber and Lyft only cover rideshare drivers during Periods 2 and 3.  Period 2 starts once you accept a ride request and are en route to your passenger, and Period 3 starts once your passenger gets into your car.  BUT when you’re online and waiting for a request during Period 1, you have no collision coverage from Uber or Lyft and much lower liability limits.  So as a rideshare driver, you’re most at risk during Period 1 since you won’t get any collision coverage from rideshare companies and your personal insurer likely won’t cover you during this time either.

Rideshare insurance solves this gap by covering drivers during Period 1, and additionally they won’t drop you for being a rideshare driver.  Some policies will even cover you during Periods 2 and 3 so you won’t be subject to Uber’s $1,000 collision deductible and Lyft’s $2,500 collision deductible.

The Basics of Rideshare Insurance

All rideshare drivers are required by Uber and Lyft to have personal insurance in order to become a rideshare driver.  Originally, the TNC’s wanted your personal insurance to cover all of your rideshare activities but the insurance companies quickly said ‘NO’ to that.  That should make sense too, if you’re driving people around and making money, you’re no longer engaging in personal driving activities so why would personal insurance be on the hook for that?

The Coverage Is Not The Problem

If you’re going to engage in livery, you need some type of commercial insurance for that portion of time while you’re driving people around.  As it stands now, Lyft and Uber offer primary liability and excess collision when you’re engaged on a trip or on your way to pick up a passenger.

So right now, as a rideshare driver you are 100% covered if you get into an accident.  I won’t go into every scenario since there are a lot of different possibilities and outcomes but either your insurance (not as likely) or Uber/Lyft’s insurance (more likely) will cover you if you get into an accident.  If the latter ends up happening though, you will have to pay a $1,000/$2,500 deductible to receive collision coverage.

What’s The Risk Then?

I still see articles and comments popping up from time to time that say you’re not covered if you get into an accident while driving for Uber & Lyft.  That is 100% false, you’ll be covered.  But the real risk that stems from getting into an accident is that your personal insurance company will find out and drop you.

If/when you get into an accident while rideshare driving, you have the option of making a claim through your personal insurer or going through Uber/Lyft’s insurance company (they both use James River).  I know some people have been able to go through their personal insurance without being dropped but that is likely because they were never asked about being a rideshare driver.  Most personal insurance companies now ask this question as part of their standard protocol after you get into an accident.

 wouldn’t advise lying to your insurance company since that’s a crime.  But let’s say you decide to go through Uber/Lyft’s insurance in order to avoid having your personal insurance company find out you got into an accident while rideshare driving.  That strategy works well for the liability portion but since both companies offer collision coverage in excess, you will need to make a claim with your personal auto insurer first.  If they deny it (which they likely will), then Lyft and Uber will step in to cover you.  But you still run into the same problem as before since your insurance company will likely drop you from your policy once you admit to being a rideshare driver.

I haven’t gotten into an accident yet while driving rideshare (although it would make for good writing material :)) but I have spoken first-hand to a few people who have.

  • Going through your personal insurance company: I talked to a couple people who got into accidents and actually were able to successfully get covered by their personal insurance.  But both people I talked to did not reveal that they were a rideshare driver to their insurance company.  The first person said they were never asked and the second said that the adjuster asked a question about driving to work but nothing specific about being a rideshare driver.
  • Getting into an accident while driving for Uber: I spoke with one person a couple weeks ago who got into an accident and went through Uber’s insurance.  The process was slow and a bit painful but they did end up getting covered.  They did have to pay the $1,000 deductible but Uber did not make them file a claim with their personal auto-insurer first.  Technically, Uber is supposed to make you file a collision claim with your personal insurer in order to provide excess coverage, but if they don’t, then that’s very good news for drivers since it means you can get into an accident while driving for Uber, receive coverage from them and your personal insurer will never find out.
  • Getting into an accident while driving for Lyft: I spoke with two drivers who confirmed that Lyft forced them to make a collision claim with their personal auto insurer before even being allowed to pay the $2,500 deductible and get coverage through them.  In one case, the driver wasn’t dropped (I have no idea why since they should have been) and in the other case, the driver was.

These examples show just how confusing the whole rideshare insurance situation is right now.  If you get into an accident, you could have a completely different experience but it’s important to know what the risk is ahead of time, before something bad happens.

It’s The Lying That’s The Problem

Many Lyft/Uber drivers don’t really have a problem with the actual coverage that Uber and Lyft offers.  $2,500 deductible is pretty ridiculous but the other option to not to participate instead if they don’t like it.  

 If Lyft/Uber drivers were to call their insurer today, I know for a fact that they would drop them.  In fact, there are very few personal auto insurance company in each state that will cover rideshare drivers.  So that means that there are hundreds of thousands of other drivers that are all being asked to lie to their insurance company.

What’s The Solution?

The solution from regulators and insurance companies is for rideshare drivers to buy commercial insurance.  But at 10-20x the cost, that just isn’t feasible for most, if not all drivers.  Why should you have to pay commercial insurance for something that you may not use every week or even every month?

There are companies like Select Insurance Group that have a handful of companies that offer rideshare insurance in each state .  To be honest, I don’t really understand why there aren’t more companies lining up to insure rideshare drivers…. A hybrid policy that covers personal/part-time commercial driving is exactly what drivers need.  But clearly, it’s not a priority for insurance companies or Lyft and Uber.  Drivers are really the ones with the most to lose and the most at risk because they are being asked to lie to their insurance companies and if they get into an accident, it will be nearly impossible to find a company that will insure them again.  Select Insurance Group can help you obtain coverage by calling 855-438-7353 (855-GET-SELECT) or by filling out a FREE QUOTE FORM.

 

What is Florida SR22s insurance? How to get it cheap

What is Florida SR22s insurance? How to get it cheap?

What is Florida insurance? How to get it cheap

What is Florida insurance? How to get it cheap – Most people who have never had a run in with the law when it comes to traffic law violation probably have no idea of the nature of a. A is a document draw up by an insurance company as an assurance to any interested parties, (for instance; courts, other parties’ auto insurance companies and department of motor vehicles in any state), that the carrier of the document is financially capable of meeting any liabilities that may arise in the event of an auto accident in which they are victims.

Ohio Student Drunk Driving Education and Facts

Ohio Student Drunk Driving Education and Facts

Ohio Student Drunk Driving Education and Facts

Ohio Student Drunk Driving Education and Facts – In 2014, alcohol-related accidents in Ohio amounted to 1006 fatalities. Operating a Vehicle under the Influence (OVI) in Ohio is the number one reason for these road injuries and deaths. This has resulted in the increase in the number of felony charges among students (aggravated vehicular assault or aggravated vehicular homicide). Therefore, traffic crashes are the leading cause of death among teenage drivers in America.

 
Select Insurance Group