List of Companies who are providing Insurance Policies and deal with them.

Which Companies Provide Car Insurance in America

 1. Chartis
Charties is a world leader in insurance, with 90 years of proven experience and customer service. Our fundamental strength lies in our 40,000 employees, who combine global reach with the ability to serve clients in more than 160 countries and jurisdictions. We focus on commercial and personal insurance, with over 500 innovative products and services that are backed by our superior financial strength. As a result, more than 45 million clients around the world rely on us to meet their unique insurance needs. For details about product offerings in your area, contact your local office.

2. StateFarm

Edward B. Rust Jr.
Chairman and CEO, State Farm® Edward B. Rust Jr., chairman of the board and chief executive officer of State Farm Mutual® and its principal affiliates, is nationally recognized as a leader of business community efforts to improve the quality of education in the United States.
He is vice-chair of Business Roundtable and co-chairman of the Business Coalition for Student Achievement. He serves on the boards of America’s Promise Alliance; the James B. Hunt, Jr., Institute for Educational Leadership; and Achieve, Inc. He is former chairman of the Business-Higher Education Forum and Business Roundtable’s Education Initiative. He served on the National (Glenn) Commission on Mathematics and Science Teaching for the 21st Century and on the No Child Left Behind Commission.
He was co-chair of Business Roundtable for more than seven years. He is also past chairman of the American Enterprise Institute, The Financial Services Roundtable, the National Alliance of Business and the Insurance Institute for Highway Safety. He currently serves as a trustee of The Conference Board, the Committee for Economic Development, and Illinois Wesleyan University.
He is also a member of the boards of directors of Caterpillar, Inc., Helmerich and Payne, Inc., and McGraw-Hill Companies, Inc.
A graduate of Illinois Wesleyan, Rust holds both juris doctor and master of business degrees from Southern Methodist University. He joined State Farm® in 1975 at the company’s Dallas, Texas, regional office. He became president and chief executive in 1985 and was elected chairman of the board two years later. He and his wife Sally have one son.

3. Combined Insurance

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4. JgwentWorth
The J.G. Wentworth, LLC family of companies (J.G. WENTWORTH) recognizes the importance of protecting your nonpublic personal information. Because your privacy is our concern, we have developed this Privacy Policy to inform you about our privacy practices. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.
What types of information does J.G. WENTWORTH collect about you and from whom?
We obtain information about you directly from you, from applications, contracts, documents and forms you complete or sign, or in telephone conversations with you. We may obtain additional information about you or, with your authorization, others who may have an interest in your insurance policy, annuity contract or primary residence, from additional sources, including your insurance company, insurance producer, health care providers, creditors, credit reporting agencies, and your representatives or advisors. We may also obtain information about you from public records and, with your authorization, other persons.
We may obtain the following types of nonpublic personal information about you:

• Personal information, such as your name, address, social security number, driver’s license number, occupation and employer;
• Financial information, such as assets, income, credit history, banking information and account numbers;
• Legal information, such as judgments, liens, bankruptcies, divorces, probate, and other civil and criminal court proceedings;
• Other identifying information, such as birth date, telephone and fax numbers, and email, street, and mailing addresses;
• Insurance or annuity policy information, including the policy terms, conditions and limits, the named beneficiaries, and your premiums and payment history; and
• Medical information, such as your current health status and prior health care treatments.

To whom does J.G. WENTWORTH disclose the information collected about you?
Information Sharing and Disclosure
J.G. WENTWORTH will not rent or sell your nonpublic personal information to anyone without first obtaining your consent. However, we will disclose your information if we are required or permitted by law to do so. Additionally, with your authorization, we will disclose your nonpublic personal health information to our affiliates and non-affiliated companies that provide services for us related to a transaction you request. With your authorization, we will disclose your nonpublic personal health information to entities that provide us with financing or financial support for a transaction that you request. Additionally, as permitted by law and with your authorization, we may disclose your health information to allow our authorized representative to contact you for purposes of determining your current health status.
As permitted by law or with your authorization, we will share your nonpublic personal financial information (1) with our affiliates and non-affiliated companies that provide services for us related to a transaction you request and (2) under the following additional circumstances:

• To establish or exercise our legal rights or defend against legal claims;
• In connection with a proposed or actual sale, merger, transfer, exchange or consolidation of J.G. WENTWORTH or any portion of our business;
• To secure services and advice from our attorneys, accountants and auditors; and
• Except in the cases of Cash Now Loans, LCC and J.G. Wentworth Mortgage Company?, to permit our affiliates to contact you about other products and services offered by the J.G. WENTWORTH companies.

We may also disclose your nonpublic personal financial information for other purposes or to other persons with your authorization or otherwise as required or permitted by law.
Our Former Customers
We treat information about our former customers in the same manner as we treat information about our current customers.
Confidentiality and Security
We restrict access to the nonpublic personal information we receive about you. Only employees of the J.G. WENTWORTH companies who need to know that information to provide products or services to you have access to your information. We also maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use. Non-affiliated companies to whom we disclose your nonpublic personal information are obligated to maintain your privacy under confidentiality agreements and do not have any independent right to use your information.
Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.
Updates to our Privacy Policy
From time to time we may change our Privacy Policy. If our information practices change, we will post the changed policy to our website. We reserve the right to change this policy at any time.
Linked Websites
Because J.G. WENTWORTH cannot control the content of sites linking to or from our site, we are not responsible, nor can we make representations to the content of those websites or their individual privacy policies.
"Cookies"
Cookies may be sent to your browser from our website in order to provide you with better service when you return to our website. A cookie is a string of data that is stored on your hard drive, which enables us to track your use of our website. With them we can determine the number of unique users accessing the various pages on the site and improve flow and content.
Contact Information
The J.G. WENTWORTH family of companies includes:
J.G. WENTWORTH, LLC
J.G. WENTWORTH LIFE SETTLEMENTS, LLC, d/b/a J.G. WENTWORTH LIFE SETTLEMENTS
J.G. WENTWORTH ORIGINATIONS, LLC
CASH NOW LOANS, LLC
RC HENDERSON, LLC
J.G. WENTWORTH HOME EQUITY SERVICES, LLC, d/b/a J.G. WENTWORTH MORTGAGE COMPANY (in New York, d/b/a J.G. WENTWORTH MORTGAGE)
If you have questions about the information in this notice, please write us at:
Customer Service—Privacy Coordinator
J.G. WENTWORTH
40 Morris Ave.
Bryn Mawr PA 19010
This policy is effective March 2011



*J.G. Wentworth Mortgage™ in New York
List of Companies Who are best in american providing Car Insurance Check List

Car Accident: UK solicitor explains how to claim compensation for injuries, vehicle damage, expenses and legal costs in all manner of RTA involving cars

Car accident: Index of pages I have written explaining how drivers and passengers can claim compensation for injuries and expenses in car accidents, how to determine fault and compensation amounts for all manner of injuries which can be caused in a road accident.

Car accident claim solicitor articles

All the pages I have written relating to car accidents are listed below under headings grouping the pages together under different aspects of car accident claims.
Click the type of car accident you were involved in and you will be taken to a page I have written setting out all you will need to know about how to claim compensation for all your injuries, expenses and losses as well as how much you can expect to claim.

The Essentials Of Car Accident Claims

Car Accident Claim
Simple ways to know who is at fault for a car accident RTA.
Car Accident Compensation
The types of expenses you can claim and amount of compensation which can be recovered for whiplash claims.
Compensation Amounts
Find out how much compensation you can claim for each type of injury you can suffer in a car accident.

Types Of Car Accident

Accident in a taxi
How to claim compensxation if you are a taxi driver or a passenger in a cab injured in aroad traffic accident.
Car Accidents Caused By Family Member
Find out when you are entitled to claim for a road traffic accident caused by a family member or friend and how motor insurance will pay your compensation.

Roundabout Accident Claim
Find out how to prove liability for a crash on a roundabout and the evidence you need to verify your version of events in the vent of a dispute with the driver at fault.
Running A Red Light
An explanation of the UK traffic light colour system and how to show that a failure to observe a red light caused your injury so you can win a compensation claim.
Seat Belt Injury
Discover how your compensation can be reduced due to contributory negligence if you fail to wear a seatbelt in a RTA and the types of injury you can suffer in a car accident.

RTC Solicitors By Location

Manchester Car Accident Claim
Find out why you should contact a RTA solicitor as soon as you are involved in a car accident, the geographical areas Manchester solicitors can claim compensation on your behalf and how much compensation you can claim for whiplash, neck and back injuries.

Public policy
In many jurisdictions it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver, however the degree of each varies greatly.
Several jurisdictions have experimented with a "pay-as-you-drive" insurance plan which is paid through a gasoline tax. This would address issues of uninsured motorists and also charge based on the miles driven, which could theoretically increase the efficiency of the insurance through streamlined collection.^[1]

[edit] Australia

In South Australia, Third Party Personal insurance from the Motor Accident Commission is included in the licence registration fee for people over 17. A similar scheme applies in Western Australia.
In Victoria, Third Party Personal insurance from the Transport Accident Commission is similarly included, through a levy, in the vehicle registration fee.
In New South Wales, Compulsory Third Party Insurance (commonly known as CTP Insurance) is a mandatory requirement and each individual car must be insured or the vehicle will not be considered legal. Therefore, a motorist cannot drive the vehicle until it is insured. A 'Green Slip,'^[2] another name by which CTP Insurance is commonly known due to the colour of the pages which the form is printed on, must be obtained through one of the five licenced insurers in New South Wales. Suncorp and Allianz both hold two licences to issue CTP Greenslips - Suncorp under the GIO and AAMI licences and Allianz under the Allianz and CIC/Allianz licences. The remaining three licences to issue CTP Greenslips are held by QBE, Zurich and IAL - NRMA.
In Queensland, CTP is a mandatory part of registration for a vehicle. There is choice of insurer but price is government controlled in a tight band.
These state based third party insurance schemes usually cover only personal injury liability. Comprehensive vehicle insurance is sold separately to cover property damage and cover can be for events such as fire, theft, collision and other property damage.

[edit] Canada

Several Canadian provinces (British Columbia, Saskatchewan, Manitoba and Quebec) provide a public auto insurance system while in the rest of the country insurance is provided privately. Basic auto insurance is mandatory throughout Canada with each province's government determining which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. Accident benefits coverage is mandatory everywhere except for Newfoundland and Labrador. All provinces in Canada have some form of no-fault insurance available to accident victims. The difference from province to province is the extent to which tort or no-fault is emphasized.^[3] Typically, coverage against loss of or damage to the driver's own vehicle is optional - one notable exception to this is in Saskatchewan, where SGI provides collision coverage (less than a $700 deductible, such as a collision damage waiver) as part of its basic insurance policy. In Saskatchewan, residents have the option to have their auto insurance through a tort system but less than 0.5% of the population have taken this option.^[3]

[edit] Germany

Since 1939 it is compulsory to have third party personal insurance before keeping a motor vehicle in all federal states of Germany. Besides, every vehicle owner is free to take out a comprehensive insurance policy. All types of car insurances are provided by several private insurers. The amount of insurance contribution is determined by several criteria, like the region, the type of car or the personal way of driving.^[4]
The minimum coverage defined by Germany law for car liability insurance / third party personal insurance is:
7.5 Million Euro for bodily injury (damage to people), 1 Million Euro for property damage and 50,000 Euro for financial/fortune loss which is in no direct or indirect coherence with bodily injury or property damage. Indeed Insurance Companies usually offer all-in/combined single limit insurances of 50 Million Euro or 100 Million Euro (about 135 Million Dollar) for bodily injury, property damage and other financial/fortune loss (usually with a bodily injury coverage limitation of 8 to 15 Million Euro for EACH bodily injured person).

[edit] Hungary

Third-party vehicle insurance is mandatory for all vehicles in Hungary. No exemption is possible by money deposit. The premium covers all damage up to HUF 500M (about €1.8M) per accident without deductible. The coverage is extended to HUF 1,250M (about €4.5M) in case of personal injuries. Vehicle insurance policies from all EU-countries and some non-EU countries are valid in Hungary based on bilateral or multilateral agreements. Visitors with vehicle insurance not covered by such agreements are required to buy a monthly, renewable policy at the border.^[5]

[edit] Indonesia

Third-party vehicle Insurance is a mandatory requirement in Indonesia and each individual car and motorcycle must be insured or the vehicle will not be considered legal. Therefore, a motorist cannot drive the vehicle until it is insured. Third Party vehicle insurance is included through a levy in the vehicle registration fee which is paid to government institution that known as "Samsat". Third-Party Vehicle Insurance is regulated under Act No. 34 Year 1964 Re: Road Traffic Accident Fund and merely covers Bodily injury, and manages by a SOE's named PT. Jasa Raharja (Persero).^[6]

[edit] India

Auto Insurance in India deals with the insurance covers for the loss or damage caused to the automobile or its parts due to natural and man-made calamities. It provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability. There are certain general insurance companies who also offer online insurance service for the vehicle.
Auto Insurance in India is a compulsory requirement for all new vehicles used whether for commercial or personal use. The insurance companies have tie-ups with leading automobile manufacturers. They offer their customers instant auto quotes. Auto premium is determined by a number of factors and the amount of premium increases with the rise in the price of the vehicle. The claims of the Auto Insurance in India can be accidental, theft claims or third party claims. Certain documents are required for claiming Auto Insurance in India , like duly signed claim form, RC copy of the vehicle, Driving license copy, FIR copy, Original estimate and policy copy.
There are different types of Auto Insurance in India :
Private Car Insurance - In the Auto Insurance in India, Private Car Insurance is the fastest growing sector as it is compulsory for all the new cars. The amount of premium depends on the make and value of the car, state where the car is registered and the year of manufacture.
Two Wheeler Insurance - The Two Wheeler Insurance under the Auto Insurance in India covers accidental insurance for the drivers of the vehicle. The amount of premium depends on the current showroom price multiplied by the depreciation rate fixed by the Tariff Advisory Committee at the time of the beginning of policy period.
Commercial Vehicle Insurance - Commercial Vehicle Insurance under the Auto Insurance in India provides cover for all the vehicles which are not used for personal purposes, like the Trucks and HMVs. The amount of premium depends on the showroom price of the vehicle at the commencement of the insurance period, make of the vehicle and the place of registration of the vehicle. The auto insurance generally includes:
Loss or damage by accident, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act. Liability for third party injury/death, third party property and liability to paid driver On payment of appropriate additional premium, loss/damage to electrical/electronic accessories The auto insurance does not include:
1).Consequential loss, depreciation, mechanical and electrical breakdown, failure or breakage
2).When vehicle is used outside the geographical area
3).War or nuclear perils and drunken driving

[edit] Ireland

The Road Traffic Act, 1933 requires all drivers of mechanically propelled vehicles in public places to have at least third-party insurance, or to have obtained exemption - generally by depositing a (large) sum of money with the High Court as a guarantee against claims. In 1933 this figure was set at £15,000. The Road Traffic Act, 1961 [3] (which is currently in force) repealed the 1933 act but replaced these sections with functionally identical sections.
From 1968, those making deposits require the consent of the Minister for Transport to do so, with the sum specified by the Minister.
Those not exempted from obtaining insurance must obtain a certificate of insurance from their insurance provider, and display a portion of this (an insurance disc) on their vehicles windscreen (if fitted). The certificate in full must be presented to a police station within ten days if requested by an officer. Proof of having insurance or an exemption must also be provided to pay for the motor tax.
Those injured or suffering property damage/loss due to uninsured drivers can claim against the Motor Insurance Bureau of Ireland's uninsured drivers fund, as can those injured (but not those suffering damage or loss) from hit and run offences.

[edit] Norway

In Norway you need a minimum of liability insurance to drive any kind of vehicle on the road.

[edit] Romania

Romanian law mandates Răspundere Auto Civilă, a motor-vehicle liability insurance for all vehicle owners to cover damages to third parties.^[7]

[edit] South Africa

South Africa allocates a percentage of the money from gasoline into the Road Accidents Fund, which goes towards compensating third parties in accidents.^[8][9]

[edit] United Kingdom

In 1930, the UK government introduced a law that required every person who used a vehicle on the road to have at least third party personal injury insurance. Today UK law is defined by the Road Traffic Act 1988, which was last modified in 1991. The Act requires that motorists either be insured, have a security, or have made a specified deposit (£500,000 as of 1991) with the Accountant General of the Supreme Court, against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places.
It is an offence to use a car, or allow others to use it, without the insurance that satisfies the act whilst on the public highway (or public place Section 143(1)(a) RTA 1988 as amended 1991); however, no such legislation applies on private land.
Road Traffic Act Only Insurance differs from Third Party Only Insurance (detailed below) and is not often sold. It provides the very minimum cover to satisfy the requirements of the Act. For example Road Traffic Act Only Insurance has a limit of £1,000,000 for damage to third party property - third party only insurance typically has a greater limit for third party property damage.
The minimum level of insurance cover commonly available and which satisfies the requirement of the Act is called third party only insurance. The level of cover provided by Third party only insurance is basic but does exceed the requirements of the act. This insurance covers any liability to third parties but does not cover any other risks.
More commonly purchased is third party, fire and theft. This covers all third party liabilities and also covers the vehicle owner against the destruction of the vehicle by fire (whether malicious or due to a vehicle fault) and theft of the vehicle itself. It may or may not cover vandalism. This kind of insurance and the two preceding types do not cover damage to the vehicle caused by the driver or other hazards.
Comprehensive insurance covers all of the above and damage to the vehicle caused by the driver themselves, as well as vandalism and other risks. This is usually the most expensive type of insurance. For valuable cars, many insurers only offer comprehensive insurance.
Vehicles which are exempted by the act, from the requirement to be covered, include those owned by certain councils and local authorities, national park authorities, education authorities, police authorities, fire authorities, health service bodies and security services.
The insurance certificate or cover note issued by the insurance company constitutes legal evidence that the vehicle specified on the document is insured. The law says that an authorised person, such as the police, may require a driver to produce an insurance certificate for inspection. If the driver cannot show the document immediately on request, and proof of insurance cannot be found by other means such as the Police National Computer, drivers are no longer issued a HORT/1. This was an order with seven days, as of midnight of the date of issue, to take a valid insurance certificate (and usually other driving documents as well) to a police station of the driver's choice. Failure to produce an insurance certificate is an offence. The HORT/1 was commonly known - even by the issuing authorities when dealing with the public - as a "Producer".
Insurance is more expensive in Northern Ireland than in other parts of the UK.^{[vague][citation needed]}. In 2010 the cost of car insurance rose by an average of 33%.^[10]
Most motorists in the UK are required to prominently display a vehicle licence (tax disc) on their vehicle when it is kept or driven on public roads. This helps to ensure that most people have adequate insurance on their vehicles because an insurance certificate must be produced when a disc is purchased.^[11]
The Motor Insurers' Bureau compensates the victims of road accidents caused by uninsured and untraced motorists. It also operates the Motor Insurance Database, which contains details of every insured vehicle in the country.
On 1st March 2011 the European Court of Justice in Luxembourg ruled that gender could no longer be used by insurers to set car insurance premiums. The new ruling will come into action from December 2012.^[12]

[edit] United States

In the United States, auto insurance covering liability for injuries and property damage done to others is compulsory in most states, though different states enforce the requirement differently. The state of New Hampshire, for example, does not require motorists to carry liability insurance (the ballpark model), while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance.^[13] Penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.
One common misconception in the United States is that vehicles that are financed on credit through a bank or credit union are required to have "full" coverage in order for the financial institution to cover their losses in the case of an accident. While most states do require additional coverage to be purchased, some such as Pennsylvania only require Comprehensive and Collision to be purchased in addition to liability and not "full" coverage. Vehicles bought on cash or have been paid off by the owner are generally required to only carry liability. In some cases, vehicles financed through a "buy-here-pay-here" car dealership--in which the consumer (generally those with poor credit) finances a car and pays the dealer directly without a bank--also only require liability coverage.
Several states, like California and New Jersey, have enacted "Personal Responsibility Acts" which put further pressure on all drivers to carry liability insurance by preventing uninsured drivers from recovering noneconomic damages (e.g. compensation for "pain and suffering") if they are injured in any way while operating a motor vehicle.
Some states, such as North Carolina, require that a driver hold liability insurance before a license can be issued.
Some states require that insurance be carried in the car at all times, while others do not enforce this law. For example, North Carolina does not specify that you must carry proof of insurance in the vehicle; however, NC does state that you must have that information to trade with another driver in the event of an accident. Whether a state specifies you must have proof of insurance in the car or not, it's always advisable to have the information on hand in case an officer should request it.
Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date.^[14]

[edit] Coverage levels

Vehicle insurance can cover some or all of the following items:

• The insured party (medical payments)
• The insured vehicle (physical damage)
• Third parties (car and people, property damage and bodily injury)
• Third party, fire and theft
• In some jurisdictions coverage for injuries to persons riding in the insured vehicle is available without regard to fault in the auto accident (No Fault Auto Insurance)

Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.

[edit] Excess

This section may require copy editing for grammar, style, cohesion, tone, or spelling. You can assist by editing it. (March 2010)

An excess payment, also known as a deductible, is a fixed contribution that must be paid each time a car is repaired using an automotive insurance policy. Normally this payment is made directly to the accident repair "garage" (the term "garage" refers to an establishment where vehicles are serviced and repaired) when you collect the car. If one's car is declared to be a "write off" or "totaled" the insurance company will deduct the excess agreed on the policy from the settlement payment it makes to you.
If the accident was the other driver's fault, and this is accepted by the third party's insurer, you may be able to reclaim your excess payment from the other person's insurance company.

[edit] Compulsory excess

A compulsory excess is the minimum excess payment the insurer will accept on the insurance policy. Minimum excesses vary according to the personal details, driving record and insurance company.

[edit] Voluntary excess

To reduce the insurance premium, the insured may offer to pay a higher excess than the compulsory excess demanded by the insurance company. The voluntary excess is the extra amount over and above the compulsory excess that you agree to pay in the event of a claim on the policy. As a bigger excess reduces the financial risk carried by the insurer, the insurer is able to offer you a significantly lower premium.

[edit] Basis of premium charges

Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government. Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages.
When the premium is not mandated by the government, it is usually derived from the calculations of an actuary based on statistical data. The premium can vary depending on many factors that are believed to have an impact on the expected cost of future claims.^[15] Those factors can include the car characteristics, the coverage selected (deductible, limit, covered perils), the profile of the driver (age, gender, driving history) and the usage of the car (commute to work or not, predicted annual distance driven).^[16]

[edit] Gender

Men average more miles driven per year than women do, and consequently have a proportionally higher accident involvement at all ages. Insurance companies cite women's lower accident involvement in keeping the youth surcharge lower for young women drivers than for their male counterparts, but adult rates are generally unisex. Reference to the lower rate for young women as "the women's discount" has caused confusion that was evident in news reports on a recently defeated EC proposal to make it illegal to consider gender in assessing insurance premiums.^[17] On 1st March 2011 the European Court of Justice controversially decided insurance companies who used gender as a risk factor when calculating insurance premiums were breaching EU equality laws. They ruled car insurance companies were discriminating against men and this had to stop. The new gender rules are set to come into play in December 2012, at which point young female drivers are set to face car insurance premium hikes of as much as 25%.

[edit] Age

Teenage drivers who have no driving record will have higher car insurance premiums. However, young drivers are often offered discounts if they undertake further driver training on recognized courses, such as the Pass Plus scheme in the UK. In the U.S. many insurers offer a good grade discount to students with a good academic record and resident student discounts to those who live away from home. Generally insurance premiums tend to become lower at the age of 25. Some insurance companies offer "stand alone" car insurance policies specifically for teenagers with lower premiums. By placing restrictions on teenagers' driving (forbidding driving after dark or giving rides to other teens, for example) these companies effectively reduce their risk.^[18] Senior drivers are often eligible for retirement discounts reflecting lower average miles driven by this age group.

[edit] Driving history

In most states, moving violations, including running red lights and speeding, assess points on a driver's driving record. Since more points indicate an increased risk of future violations, insurance companies periodically review drivers' records, and may raise premiums accordingly. Laws vary from state to state, but most insurers allow one moving violation every three to five years before increasing premiums. Accidents affect insurance premiums similarly. Depending on the severity of the accident and the number of points assessed, rates can increase by as much as twenty to thirty percent.^[19]

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What to do if you've been involved in an auto, truck or motorcycle accident

If you’ve been involved in a car or truck accident you will want to take the right steps to getting medical or legal help. Accidents are unfortunately common and statistics are not in ou favor in terms of having at least one or more auto accidents during our lifetime. If you’re lucky, they will just be fender-benders with minor automobile damage and no injuries. If you’re unlucky, cars can be wrecked and you can be seriously injured.

Even worse is someone you love is killed in a wrongful death situation.
The aftermath can be devastating in so many ways. Navigating all the legal and police reports, insurance claims, and legal details can be bewildering.
Auto accident lawyers in New York City and New York State can make sure the proper steps are taken and relieve you of many of the burdens during this stressful time in your life.

So when should I call auto accident lawyers in New York City?

This article will help explain when to get an attorney and how to hire one

What to consider when thinking about filing a car accident lawsuit

There are two things you need to consider. First, is the insurance claim or settlement dollar amount significantly greater than the cost of an auto accident attorney? Obviously, for small fender-benders with no injuries to anyone, it may be simpler and cheaper to handle it on your own.
On the other hand, if you are seriously injured, or have lost income due to your injuries, are dealing with wrongful death of a loved one, getting your due compensation is essential to your financial well-being. In such cases, it’s worth calling auto accident lawyers in New York City or NY.

Is your auto insurance company being cooperative after an accident?

The second thing to consider is how cooperative the insurance company you’ve filed a claim with is being. Remember, insurance companies are out to make money. Part of their profit comes from denying claims, or paying out as little as possible.
If it looks like you’re going to have difficulty with the insurance company, then it’s important to get consult auto accident lawyers New York City as quickly as you can.
Lucky, the signs of an uncooperative and troublesome insurance company can be spotted quickly and easily. If the insurance company you’ve filed the claim with treats you with respect and concern, contacting you early and often with full details of the situation, they will probably be relatively easy to deal with.
On the other hand, if the insurance company does any of the following things, you should consider contacting auto accident lawyers New York City or a New York personal injury lawyer as soon as possible.

Signs you may need the help of auto accident lawyers New York City to deal with your insurance company:

• taking more than 36 hours (not counting weekends) to get back to you after the initial call to file the claim
• taking more than 72 hours to provide you with a rental vehicle
• infrequent contact (not returning phone calls in a timely manner, etc)
• cryptic information (not taking time to explain claim details to you)
• fighting you on costs for medical bills, or to replace/repair your vehicle
• poor customer service in general

Even mild fender-bender auto accidents are stressful. Serious accidents involving significant property damage and personal injuries can be especially painful, stressful, and confusing times in your life. In situations like that, the peace of mind provided by an experienced auto accident attorney in New York City is often well worth the cost of their fees.
If you need more information about car, truck or motorcycle accident claims, call skilled auto accident lawyers New York City or NY State now.

After viewing auto accident lawyers New York City information check out resources for the public.

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When a small minority make a false insurance claim it not only drives up the cost of everyone’s policies, it also invalidates the claim.
We take fraud very seriously, so to help protect our customers we’re using specialised detection processes. These enable us to detect false claims no matter what the size and help us to protect you from having to pay the price of false claims