Car Accidents

Comprehensive Coverage or Liability Only : Which One Should I Get?

When it comes to car insurance, one of the major considerations that individuals look for is whether to get comprehensive or liability only coverage. Before deciding on the clause to include on your insurance premium, it is worth understanding first the difference between these two types of coverage. According to Franklin, WI car accident lawyers, the difference lies on two essential things: the type of accident or damage and the budget of the policyholder.

Comprehensive coverage not only pays for damages done to other vehicles and to your own vehicle not just from traffic accidents but also from natural resources. Let us say that your car damaged in a storm or by the snow, you can use comprehensive insurance to pay for the repair of your car. This type of coverage usually includes a deductible, which is an out-of-the-pocket amount for paying damages.

Liability coverage, on the other hand, does not pay for damages to your own vehicle in case of an accident. When you were deemed at fault, the law requires you to pay for any damages incurred by the other driver. In contrast with comprehensive insurance, it does not have a deductible so you will not take money out of your pocket.

So as to the question of which coverage you will need for your car insurance, the answer is it depends on the situation. For example, if the total damages to your car have been calculated, can you afford to shell out money from your own pocket to pay for the remaining debt? Can afford to buy a replacement car for your old one?

If you rarely use your car and can afford not to have one, comprehensive coverage may not be right for you. But if you still have huge debt on your current car and still liable for paying and need additional funds for another car, choose comprehensive insurance.

In addition, if you do not have extra money and rely on your paycheck, a huge car accident can become a problem for you which makes comprehensive insurance the right option for you. Otherwise, the lower monthly payments seems to be the best choice.

So deciding on the better option is dependent on your need and your budget.

read more

Capital Drivers Crash Twice as Much as Anyone Else

A recent report from the Allstate America’s Best Drivers pinpoints Washington, D.C. as a city where drivers crashed nearly three times as frequently as the national average in 2013. If you are a driver in the nation’s capital, you are likely to be involved in a vehicular crash every 4.8 years. New York drivers, including cab drivers, are involved in car accidents every 7.3. years, while Houston and Chicago average 8 years. Other danger zones include the cities of San Francisco, Newark, Philadelphia, Los Angeles and Miami.

In contrast, drivers in Colorado clock in at 13.9 years, earning the encomium as the safest state to drive in nationwide. Other safe places to be for motorists include Sioux Falls in South Dakota, Madison in Wisconsin, Boise in Idaho, Tucson in Arizona, and Brownsville in Texas, plus 15 other cities, most of which have less than 500,000 inhabitants.

The report concludes that driving in the big city is inherently more dangerous than in small towns. This is understandable as there is less traffic and emergencies, fewer public transportation and large vehicles, and infrequent crosswalks which constitute the cause of most car accidents. Another factor may be the faster pace of life in the big city, where everyone is rushing about and doing several things at the same time, leading to speeding and distracted driving.

read more