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Driver Exclusion Basics For New Insurance Buyers

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When it comes to buying auto insurance, many people don’t realize that the members of the household can have a direct effect on the premiums that you pay. Even if you don’t list someone as a covered driver on your policy, many insurance companies will still include their driving history as part of your premium. This is the result of a household risk analysis. It involves a thorough search of public records to identify every licensed driver at your address.…

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Carseat Safety: What Every Parent Needs To Know

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It’s the law to have your young children safely buckled in a car seat when you’re driving. The proper use of car seats has reduced infant deaths by 71% during car accidents. However, parents can make some basic mistakes when it comes to proper seat use and installation that reduces their overall effectiveness. Unfortunately, these errors can sometimes affect your insurance coverage. Here are some common mistakes that parents make when it comes to carseat safety and what they can do to make sure that their children stay safe.…

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The Responsibilities and Risks of an Insurance Company That Issues SR-22 Coverage

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A lot of high-risk drivers are required to carry a special type of auto insurance coverage called SR-22 insurance. This coverage is not available from all insurance companies, and one reason for this is that an insurance company takes on extra responsibilities and risks when issuing an SR-22 policy. Here are three of the duties an insurance company assumes when they offer SR-22 insurance coverage to drivers. Completing the SR-22 Form…

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