Motorists take the chance of being involved in a traffic collision every time they get behind the wheel of an automobile, and unfortunately this can have effects on the premiums that are paid by consumers for vehicle coverage. Automobile accidents can impact drivers differently and there are many factors that can cause the price of policies to change due to auto collisions. Car insurance companies base rates on the chance of taking a loss as a result of insuring a vehicle and carriers must charge a rate that will reflect such risks.

Generally, a company will charge higher rates to motorists that have had multiple claims and at-fault-accidents on their record, whereas a driver that has never been involved in a collision or filed a claim will often pay less for coverage; this is simply because the driver with a history of claims is viewed as having a higher likelihood of suffering a loss. However, collisions do not always have a negative impact an a driver’s premium. Consumers are often under the impression that if they are in a traffic accident their rates will automatically go through the roof, which is not necessarily true.

There are many factors that can surround a traffic collision that may determine whether a driver’s premium will be affected or not. In many cases, if a motorist is hit by another vehicle by no fault of their own, their rate will not be increased; however, having more than one such claim will often cause a rate increase. The matter of how long accidents affect insurance rates is dependent on the company. In general, collisions that have occurred in the past three years are taken into account by carriers. If a policyholder causes an accident while under the influence of drugs and/or alcohol then the premium that will be charged for coverage will probably increase, up to 60% in some cases, and the insurer may even cancel the policy.

Although the state only requires two types of protection to be listed on a policy, there are additional options that can be added to a motorist’s coverage that may be quite beneficial. One such option is to purchase protection from uninsured drivers. The state of Florida has very strict laws when it comes to keeping vehicles insured, but this does not seem to deter many individuals from driving without proper auto insurance policies in place. It is estimated that nearly 25% of motorists are occupying the roads while uncovered. This among the highest percentage in the nation and it may be a good idea to protect against such operators.

Insurers offer Uninsured/Underinsured Motorist coverage that pays for bodily injuries to the policyholder, family members and passengers of the automobile if injured due to the negligence of an uninsured or underinsured motorist. Covered scenarios include being struck by a party without liability coverage, has inadequate liability limits or if victim of a hit-and-run. This addition to a policy will pay for medical expenses and lost wages once PIP limits have been exceeded.

Although adding this option to a policy may cost a little bit more in premiums it can be well worth the cost. According to the Florida Department of Highway Safety and Motor Vehicles, individuals who are struck by a party that does not have insurance will have to contact the Bureau of Financial Responsibility where a judgment will be enforced and the at-fault party’s driving privileges and registration will be suspended for 20 years or until the judgment has been taken care of.

Floridians are required to maintain automobile coverage at all times while operating a vehicle and automobiles must continuously be insured in order to maintain registration in the Sunshine State. The state requires that all self propelled vehicles with four or more wheels be covered by a car insurance policy consisting of a minimum of $10,000 in property damage liability (PDL) and $10,000 in personal injury protection (PIP).

Although this does satisfy Florida laws, these requirements are quite low compared to the majority of other states and can leave a driver uncovered in certain instances and in some cases, facing financial hardship.

Compared to FL, the state of New York requires that motorists carry a minimum of $50,000 in personal injury protection, which can help cover policyholders much more adequately for bodily injuries sustained in an accident than the $10,000 required in the Sunshine State. It may be wise to compare the cost of Medical Payments from multiple Florida auto insurance companies which may cover expenses that PIP may not to see if this coverage can be afforded, especially if the individual does not have a health care plan. Additionally, the property damage liability limits may prove to be inadequate in the event that the insured is at fault for causing a traffic accident where substantial damage is sustained by another party’s vehicle.

According to the Federal Trade Commission, the average sales price of a new automobile is $28,400, therefore, if an individual was to cause a collision where the other vehicle was to be declared a total loss, the motorist may be held responsible for paying any compensation due above and beyond the $10,000 minimum requirement. A common suggestion is to purchase a policy consisting of $50,000 of property damage liability.

While it may not seem to make much sense to obtain automobile policies as an unlicensed consumer, there are a few good reason to do so. One such reason is that if an individual wishes to keep the registration valid in states that require continuous coverage to do so, they will need to maintain an active policy. Although it may not seem like a good investment, failure to keep a car insured can lead to fines and penalties that can amount to more than a premium if a lapse occurs and the state is made aware of it. Also, if a vehicle owner is intending to have a driver operate and borrow the automobile, it will most likely need to be covered. According to the Wisconsin Consumer Guide to auto insurance a borrowed vehicle will often be covered by the policy which can help an unlicensed automobile owner should such a situation come up.

A very common reason to purchase a policy without a driver’s license is to have driving privileges reinstated. Many states require that once licensing has been suspended that one of the requirements to have the suspension lifted is by providing valid proof of coverage. Another reason that policies may need to be maintained is because an individual is financing a vehicle. Although a driver may become unlicensed it does not mean that they do not need to abide by the loan agreement. Most financial institution will require that borrowers keep automobiles insured against physical damage as part of the contract. Although individuals feel that maintaining coverage even though they cannot drive may be a waste of money, there are several instance where it may be necessary.

Many motorists may think that because they are unlicensed that an insurer may be hard to find and there are others that may believe that lack of a driver’s license may cause a auto insurance company to charge extremely high rates for policies. In many cases this may not be an accurate assumption and by shopping around consumers may be able to locate a carrier that is willing to provide coverage at a reasonable to those who may be unlicensed or even licensed out of the country. Fortunately for individuals who are in such a situation, an affordable policy may be out there and a consumer simply needs to take the time to find a company that is willing to provide it.

Individuals should know that there are actually companies that target and specialize in consumers that are not licensed, internationally licensed, or even have an out of country identification card. There are carriers that are willing to offer car insurance without license to individuals through certain guidelines. Although, a motorist must be aware that the reason for being licensed can hike up prices if it is due to certain infractions. Suspension of driving privileges due to a conviction of certain offenses such as operating a vehicle while impaired will likely raise the rates of a premium, but having an international license may not cost the driver much more than being domestically licensed.

Though consumers usually do not look forward to shopping for coverage and comparing insurers, it is extremely important to do so. Every carrier is priced differently and has a reputation based on business practice that motorists should be aware of. Unfortunately, many motorists choose an insurer based on the cheapest rate without taking the time to look into the actual company to ensure it is reputable. Thankfully, the Internet has provided valuable tools that allows individuals to complete this task in a timely manner. Price is important to most drivers and should be a starting point to locating an insurer.

Fortunately, consumers now have the ability to shop online and obtain quotes from a comparison website and eliminate the need to contact several companies individually. This is a great way to find and compare the rates of carriers, but a savvy shopper should take the shopping process a bit further. Rather than relying on price alone to determine the insurer that will provide coverage, motorists should be aware that tax dollars are used to protect them in the form of state government regulation. Websites such as the one provided by the Missouri Department of Insurance, Financial Institutions & Professional Registration offer residents a fast and easy way to view a company’s complaint ratio, their standing with the state and how financially sound a provider is. So once a few of the most affordable quotes are found, a consumer can make sure that the insurers being considered for coverage have a good customer satisfaction level, are licensed and have a good financial outlook; this can all be done in just a few minutes by visiting the state department’s website. Cheap rates are tempting, but individuals should ensure that they get what they pay for.

With so many insurers available to offer automobile coverage to motorists it can be overwhelming for a consumer to find the right car insurance company that can provide adequate protection at an affordable rate. This especially true in states such as California, which contains over one hundred carriers licensed to issue policies. The best way an individual can find a good insurer that is reasonably priced is to compare the rates from each one, and although this may take a bit of time it can be well worth the effort when the right insurer is found.

There are factors that outweigh others about a carrier in the eyes of motorists and the right company for one individual may not be for another. The best auto insurance companies are known for not only having affordable rates, but are also those that are known for having outstanding customer support and are financially sound. Depending on the motorist, some may prefer a company that can offer the cheapest rate, while others value customer service and are willing to pay a little extra for top notch support, and then there are those that want to go with a household name because they assume that the insurer is not going to falter financially. Fortunately, with the right amount of research, consumers can make sure to get insured by a carrier that meets all of these qualities and it does not have to be very time consuming.

Floridians are required to maintain automobile coverage at all times while operating a vehicle and automobiles must continuously be insured in order to maintain registration in the Sunshine State. The state requires that all self propelled vehicles with four or more wheels be covered by a car insurance policy consisting of a minimum of $10,000 in property damage liability (PDL) and $10,000 in personal injury protection (PIP).

Although this does satisfy Florida laws, these requirements are quite low compared to the majority of other states and can leave a driver uncovered in certain instances and in some cases, facing financial hardship.

Compared to FL, the state of New York requires that motorists carry a minimum of $50,000 in personal injury protection, which can help cover policyholders much more adequately for bodily injuries sustained in an accident than the $10,000 required in the Sunshine State. It may be wise to compare the cost of Medical Payments from multiple Florida auto insurance companies which may cover expenses that PIP may not to see if this coverage can be afforded, especially if the individual does not have a health care plan. Additionally, the property damage liability limits may prove to be inadequate in the event that the insured is at fault for causing a traffic accident where substantial damage is sustained by another party’s vehicle.

According to the Federal Trade Commission, the average sales price of a new automobile is $28,400, therefore, if an individual was to cause a collision where the other vehicle was to be declared a total loss, the motorist may be held responsible for paying any compensation due above and beyond the $10,000 minimum requirement. A common suggestion is to purchase a policy consisting of $50,000 of property damage liability.

Literally thousands of websites have been developed that allow visitors to shop around and compare quotes for car insurance, but there is a difference in the service that a person chooses to use when shopping online. Consumers have the option of visiting the websites of the actual insurer, although this can be time consuming as well since the majority of companies will offer only their rates; this means that a visitor would have to input information into each website in order to obtain a quote for comparison. Since it is recommended to get multiple quotes prior to making a purchase this may take a bit of time. The alternative is a comparison website that allows a visitor to input basic information once and retrieve the quotes of multiple companies in a matter of a few minutes; whichever method is chosen, both are effective and may help find the lowest price.

When looking to buy coverage over the Internet, individuals must also be careful and make sure that the company is reputable prior to providing any information, even if just getting a quote. When submitting any type of info online consumers should make sure that the website is secure. Legitimate websites go through the extent of providing visitors with a comfortable shopping environment and will have the website verified to be secure. When information to obtain quotes or purchase a policy is asked to be submitted the URL in the address bar should begin with an https: rather than just an http: and there will usually be a lock icon on the right hand side of the address bar. The Texas Department of Insurance also recommends that shoppers ensure that companies are licensed, which can easily be done by contacting the state regulator in which the driver resides. Buying policies online can be much more convenient than traditional methods, but one must take certain precautions and this is true offline as well.

The concept of insurance has come a long ways since its invention thousands of years ago when merchants would insure cargo in case it was stolen or lost at sea. Nobody in that era could imagine the concept of an automobile and twenty years ago, not many would have thought that a person would be able to shop and purchase vehicle coverage through a computer by way of something called the Internet, and even print out the proof of a policy almost instantly.

Prior to the evolution of the Internet, shopping for automobile policies was a daunting task and one that could consume much of a person’s time. Individuals either had one of two choices; either call numerous insurers and agents or drive down to several offices and sit down with an agent and negotiate with each until the best deal and the right coverage is found. Fortunately for the consumers that live in today’s day and age, technology and the World Wide Web have made it possible to shop and even buy insurance online easily and conveniently.

A modification saying that many, most, or even all bonuses and incentive pay may be excluded from the “regular rate of pay” used to compute FLSA overtime compensation. At present, overtime must be calculated on most such payments, including even non-cash prizes or awards of various kinds. The added costs and complications this entails lead many employers to reduce the amounts they are prepared to offer or to forgo offering bonuses or incentives altogether.

Currently, the state requires drivers to carry policies with minimum limits of liability in the amount of $25,000 for bodily injury to one person, $50,000 for bodily injury per accident and $15,000 for property damage; this is often abbreviated as 25/50/15. Higher limits may be purchased for an addition premium to further protect assets in the event that expenses arising from an accident that exceeds these amounts.

The majority of individuals who choose to comply with the financial responsibility law do so by purchasing an auto insurance policy from a carrier licensed to do business in the Lone Star State; Texans should be aware that they are a wide variety of insurers to choose from and should shop smart and diligently in order to find affordable coverage to help make it easier to keep policies in effect.

Since the price of automobile coverage can get a bit costly, there are some helpful tips that can consumers can use as they shop for a policy to assist in locating the most inexpensive rates. One tip that motorists will hear over and again from government consumer guides and industry professionals is to comparison shop; comparing as many quotes as possible is the most effective tool an individual has to finding the best deal on vehicle coverage.

In addition, ask about any discount that might be available; some companies offer discounts that others may not and some insurers will offer a higher percentage off premiums for certain discounts than their competitors. It is also a very good idea to get help from the state; the website of the Texas Department of Insurance provides very helpful shopping tips and is a reliable and trustworthy source of information.

Floridians could benefit from comparing the rates on various auto insurance options that are offered by insurers. By completing a comparison of more extensive protection, motorists may be able to find that being more adequately covered may be affordable and can be very beneficial in the event of a loss.

One such option is to consider purchasing limits above what the state requires, especially if the motorist does not have a health care plan; obtaining personal injury protection at a higher limit can help pay for medical costs for injuries sustained in a traffic accident and considering the cost for medical care, the $10,000 minimum can be used up following a serious injury. The same principal applies to property damage liability; it may only be a small difference in premium to raise these limits, but could be well worth it following a loss.

According to the Florida Department of Financial Services the state does not require motorists to carry Bodily Injury Liability, but Florida’s Financial Responsibility law does require individuals to be financially responsible for bodily injuries in the amounts of $10,000 per person and a maximum of $20,000 per accident.

The state suggests if a driver or vehicle owner does not have this amount in cash reserves, motorists may want to considering adding this coverage to a policy. It could take a long time for premiums to add up these amounts and it would be a lot better of a situation if the insurer were to pay out these amounts rather than the motorist; this will also pay for legal representation if an individual is sued.

Additional optional coverage residents may want to consider are such items as Uninsured/Underinsured Motorist which covers policyholders if they are struck by a driver who does not have adequate insurance, Comprehensive and Collision which pays for physical damage sustained by the insured vehicle, Towing which will cover the cost of a tow if the covered automobile becomes inoperable and Rental Reimbursement to pay for the expenses of a rental car if a policyholder’s vehicle will be in a repair facility or has been stolen. Floridians have many options to choose from and purchasing the policy to cover risks is a good way to protect assets; it is always a good idea to obtain quotes on additional protection to determine what can fit in a budget. Shopping around is free and it may lead to finding more extensive polices at an affordable rate.

Motorists have a lot to choose from and some important decisions to make when looking to insure their vehicles, themselves and their assets and in some cases it can become a bit confusing. There are many options that are available and offered by insurance providers and while choosing which types of protection can be beneficial in the event of a loss, consumers must also take their budget into consideration; so the most important issue a motorist faces when purchasing an automobile policy is getting properly insured at an affordable rate.

Most states make auto insurance coverage mandatory, but in many cases the mandated minimums may just not be enough. Of course, the first step to obtaining the right protection from perils is to satisfy the law, but consumers must determine whether or not the legal requirements will adequately cover losses resulting from an accident.

States generally require liability, whether for bodily injury, physical damage or both and in some states the required limits are high, but in others they are significantly low, especially when compared to the cost of medical care and the value of certain automobiles. Making the right choice in options when purchasing vehicle policies can be crucial and being covered more adequately can be worth paying a little extra.

Choosing the Right Insurance Coverage – Particular states only require motorists to purchase liability policies which only cover the losses caused by the policyholder to another party and at very low limits. For example, according to the California Department of Insurance, motorists are only required to carry a liability policy with minimum limits of $15,000 for bodily injury to one person, $30,000 for bodily injury per accident and $5,000 for property damage.

Anybody who knows what a weekend in a hospital costs is well aware that $15,000 will probably not cover the costs; purchasing higher limits can protect policyholders from being held liable and/or sued for any amount that exceeds the policy limits. States such as Florida require motorists to maintain Personal Injury Protection (PIP) in the amount of $10,000 which covers the injuries of the insured regardless of who is at fault for causing the traffic accident; just as mentioned, this amount can easily be exhausted which can lead to the policyholder left with big medical bills that may only be recovered through litigation.

Higher limits can be purchased and may be worthwhile following a serious injury. This type of coverage is voluntary in many states and could be beneficial, especially to those who do not have a healthcare plan. Uninsured and Underinsured Motorist coverage is not made mandatory in many states and some states will require insurance providers to offer this protection, but give consumers the right to waive it. Unfortunately, many motorists do choose to waive it in order to save a few dollars on their premiums, but this is a valuable option on a policy.

If a motorist is struck by a driver who is uninsured, does not have coverage or if victim of a hit and run then this protection will kick in and compensate the policyholder which can give good peace of mind following an accident. Although paying as little as possible is tempting when purchasing a policy, choosing less protection can end up being far more costly.

Some examples of what is covered by Commercial General Liability

• Say You leave a tool on the sidewalk next to a job site. A pedestrian trips over it and sues you for his injuries.
• While you are doing repairs on a house, you accidentally cause an electrical short circuit that results in a fire.
• You install a plumbing fixture that works fine, however a week later it fails, causing major water damage.

These are just a few examples of what general liability would cover

When you are having issues with your doors, such as not closing properly, or just looking damaged a handyman can often times repair and fix issues like dings and scrapes on the door, as well as check more serious, with the hinges and hardware.

How workers compensation help you

• Work-related injuries & illnesses suffered by you or your employees, such as
  a trip and fall while at the job site.
• Covers medical expenses, replaces part of lost wages, and provides services needed to return an employee to work
• Protects you against lawsuits from your employees for work-related injuries and illnesses

If you have a handyman business and employees working for your then you may need to have Workers Compensation. Some states such as California will require you have workers compensation by law.

Yet even if you are in state that does not require workers compensation,
you should problem still have this coverage as even minor on-the-job injuries can cost many thousands of dollars in treatment. Your employees will look to you to handle the cost of their job-related injuries.

Your floors can look old and worn just by normal every life. Furniture and shoes can cause dings or dents in your flooring, which in turn can change into chips, which will become holes and missing pieces in your floors.

Yet did you know that these types of flooring issues can be fixed typically by a handyman without having to replace the entire floor which can be very expensive. So before replacing look at a handyman and see if your flooring can be repared saving you money and keeping your flooring looking good.

If you are a handyman you want to have insurance to protect you. Types of insurance you will want to review and look into would be General Liability, Commercial Auto, Tools & Equipment, Workers Comp & More. Take your time and shop out your insurance to make sure you are getting the right and best coverage for you and your business.

A handyman is very versatile, below is a list of a few of types of jobs a handyman can do.

• Leaking Plumbing.
• Light Fixture Installation.
• Drywall Repair.
• Fresh Coat of Paint.
• Exterior Upgrades.
• Deck Repairs.
• HVAC Maintenance.
• Flooring Improvements.

A handyman is very versatile, they can help with many types of jobs, but these are usually smaller jobs in nature. They cannot complete certain types of work, like some plumbing and electrical jobs that require additional licensing. Some jobs also require a permit in addition to contractor licensing – the specifics of this can vary by cities and state.

It can be hard to know when you should hire a handyman for work you feel you can do. Some people feel why would they want to hire someone to do a job that they themselves could do. That is a valid point however, often time life becomes too busy to get to the job needed and the work goes undone. Over time more and more small jobs start to add up and then the work can seem to get overwhelming even if it something you can do yourself.

Hiring a handy for these types of jobs get them done in a timely manor and done right. Thing about how much your time is worth and if even though you can do the work the quest is will you or do you really want to.

A handyman workers can go by several names such as a fixer, handy-person, handy-worker, Jack of all trades etc. However, regardless of the title used a handyman is a person who is skilled at a wide range of repairs, typically around the home. These tasks include trade skills, repair work, maintenance work, are both interior and exterior, and are sometimes described as “side work”, “odd jobs” or “fix-up tasks”