May you cross a public road with a quad bike?

Feb 18

Question:

I live on a farm with a public (gravel) road running through it. I have been told by a neighbour that I cannot merely cross from one side of the road to the other because the quad has no license. Any idea if this is true?

Answer:

A quadrucycle is exempt from registration (regulation 5) but once it is registered it is then exempt from licensing (regulation 20).

Regulation 21 states that opperated on public road shall not be construed to be the presence of the vehicle on a public road for the purpose of crossing a public road from the premises of the owner to another over a distance not exceeding 1 kilometer.

Amorous Act Influences the Drivers and Insurance Premium

Feb 18

When the couples are celebrating the most romantic day of the year, a survey revealed the influence of frisky behaviour on distracting the driver. The UK couples find it interfering to their driving the frisky behaviour behind the wheel. One among the five drivers has admitted that amorous behaviour with their partner while driving has either missed or caused an accident. The distracted drivers see a close miss from the accident or most of the times meet an accident. Out of every 10 UK drivers, three have confessed that their driving efficiency lowers down when their partner accompany them. 44% of the drivers think that their partner is distracting them while driving, so they cannot concentrate on road efficiently. The safety of both the driver and his partner risks in such situation as the driving does not remain same.

Read more…

Infinity Auto Insurance Sees Change in Wisconsin

Feb 15

Share

Drivers in Wisconsin may start paying even less for their car insurance premiums, even though studies have shown that they already pay the fourth least in United States.  According to “Car Insurance levels could drop in Wisconsin” by Cameron Clark of Fox11 WLUK-TV, a bill was passed by the state Senate on Tuesday.  Back in 2009, a bill was enacted requiring Wisconsin drivers to increase their insurance coverage from companies like Infinity auto insurance.  The Senate was led by Democrats who backed this increase in liability coverage, but now that Republicans are in charge they are looking to repeal that bill.

Wisconsin residents currently have to carry $50,000 per person and $100,000 per accident in liability coverage.  From 1982 to 2010, they were required to carry $25,000 per person and $50,000 per accident and those are the levels that the repeal would return requirements to.  Finding cheap car insurance should now be easier for those residents who are struggling financially, but still want to meet the minimum car insurance requirements set by the law.  Most drivers would save money on their premiums if this law is repealed.

A State Farm Insurance rep confirmed that most people asking for a State Farm auto quote saw a rate increase because of this increased liability coverage.  She says that drivers will have more options for their car insurance and lower premiums overall if the bill is repealed.  Supporters of the higher liability coverage worry that drivers may lose out in the case of an accident.  They think that these lower amounts of liability coverage will not pay for all of the damage or medical costs associated with an accident in many cases.  The vote heads to the State Assembly later on this month.

Changing Your Auto Insurance Deductible to Save Money

Feb 14

Making simple changes to your auto insurance deductible can save money.  With today’s poor economy, nearly everyone is looking for ways to spend less.  There are risks involved though, so policy owners should be wary of making changes that will not be beneficial in the event of an accident.  Talk to an insurance representative before making any changes to determine what changes will be best for you.

What is an Auto Insurance Deductible?

Before raising an auto insurance deductible, it is important to understand what it means.  An auto insurance deductible is the out-of-pocket expense that a vehicle owner will be liable for if they get in an accident.  The lower the deductible is the higher the premium will be.  Deductibles usually range from $0 to $2500.  If you

Read more…

Car Accident Claims 101

Feb 12

Many people are involved in car accidents every single year. It can be a very horrifying experience to go through so it helps to be as prepared as possible to handle the accident properly.

People should be familiar with the type of car insurance that they have. Most people do not know what amount of monetary coverage they have if they are involved in a car accident. It is important to know this information because it impacts a person’s financial responsibilities when they are involved in an accident. Here are some tips on what to do when involved in a car accident.

The first tip is to notify the authorities as soon as a car accident takes place. It is important to call the cops so that they can help to document the situation. S

Read more…

The taxi driver and the short journey

Feb 11

Three men were very drunk and they stopped a taxi..the taxi driver figured that they were not in their right mindsso, he just switched on the engine for a few minutes and switched it off and told them : we have arrived

The first man gave him money..the second one thanked him..but the third one.slapped the taxi driver..

The taxi driver thought to himself that the third man must realized that the taxi didnt move an inch..so, he asked the third man : what was that for?

The third man replied: control your speed next timeyou almost killed us..

Beware of Scorpion Insurer While Taking Insurance Cover

Feb 10

‘Scorpion’ insurers might sting the motorists who are trying to save on car insurance by cutting their cover. According to a latest survey, one out of ten motorists cut on its car insurance cover to save money this year. Most of the car owners were willing to remove courtesy car or legal protection from their policy and even increase their excess amount to lower their premium prices. But in most of the cases, the insurance providers compile all these services in a package along with cover so they automatically get extras like courtesy car or legal protection. The car owners are left with no choice but to pay for all such expenses accordingly. The motorist can save money on their car insurance policy by shopping around and compare car insurance quotes to get a suitable deal. The

Read more…

State-mandated mimimum auto liability limits are inadequate to protect assets

Feb 08

When I talk to people about auto insurance, liability limits keep coming up. Why should you carry more insurance than the law requires? How much is enough?

Bodily injury liability coverage pays for injury or death of the driver and/or passenger(s) of another car if you are at fault in an accident. Any medical bills, lost wages or accommodations, like wheel chair ramps and caregiver wages, are all part of a bodily injury claim. Any death claim is also paid by your bodily injury coverage.

Your car insurance company is required to make payments for a bodily injury liability claim on your behalf until the limits of your policy are exhausted–and then you are on your own.

Read more…