Archive for April, 2011

“Fear not the weapon but the hand that wields it”, an old and famous samurai belief says. This adage also applies to transportation. Vehicular accidents can originate from natural disasters, road hazards, faulty car parts and of course bad driving, or more appropriately bad drivers. Some drivers have attitude problems that affect his/her driving, attitudes like being short-tempered, greedy, selfish, which lead to car accidents. If the old samurai saying would be translated today, it would be something like: “Fear not the car but the man behind the steering wheel.”

In the streets of Los Angeles, California hundreds of vehicles ranging from taxis, privately owned cars, transport trucks occupy the fast lanes from day to day. With so many cars moving at a very fast pace, car accident is certain. Car damage, injury bills and a whole lot of headache are usually the aftermath of a car accident, so most people resort to going to an insurance agency and when it comes to auto insurance quotes California has some of the best agencies that could provide such need. California has many car insurance agencies that offer low premiums, a wide set of policies and other car insurance benefits. The state follows a “Tort” System where during a car accident someone must be found at fault or the individual who caused the car accident. That certain individual will then call on his Car Insurance agency to pay for the damages he/she has caused, this where the pointing finger sessions starts, as both parties try to prove it’s the opposite driver’s fault.

There are a lot of bad drivers, there are drivers who still drive even if they are in the influence of alcohol, other drivers are impatient in following rules, they have the idea that traffic signs and lights are mere suggestions, which they can ignore. There are bad drivers too simply because they have bad driving skills. Now how do these bad drivers get auto insurance quotes and miraculously get their insurance contract approved? How does one know if he or she is qualified and eligible to get a deal?

Car insurance companies in California or any other state in the US have a different qualification rule for bad drivers. Some car insurance agencies are lenient in allowing bad drivers to get a deal while most car insurance agencies are strict about drivers with a bad driving history. Generally, Car insurance agencies accept drivers with one or two traffic violations or accidents, but they refuse to give auto insurance quote to drivers who have major infraction in the last 3 to 6 years. A driver with records of either of alcohol related offense, reckless driving or excessive speed violation is disqualified from getting auto insurance. Some Car agencies requires their applicant to give a proof that they have 5 or more years driving experience in the following states: LA, MA, NM, NC, VA and WA.

Bad drivers pay, is one of the standard policies of some insurance agencies. They increase the offender’s premium by 40% of the insurer’s base rate after his/her at-fault accident. If the insurer’s base rate is at 500 dollars after his/her first at fault accident, his/her premium would increase by 200 dollars, which would be a total of 700 dollars.

It is easy to get quotes from Insurance companies however; passing their qualification is quite tricky especially when the driver has a bad driving record. The important thing to remember when one finally gets a good deal is that these are not licenses that allow you to run amuck and cause damage, auto insurances are “just in case of accident” safety measure. Remember to keep in mind that auto insurance covers repairs and medical bills for injuries but it can never replace the driver’s life. Best bet? Drive safely.