Diff between high risk auto insurance and std..

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Difference between high risk auto insurance and standard car insurance

High risk auto insurance usually has insurance premiums that are much more expensive than regular or preferred auto insurance. This is due to the fact that high risk auto insurance is placed in the Excess/Surplus insurance marketplace. Where as the regular or preferred auto insurance marketplace is for drivers who do not have numerous traffic violations or accidents.

Therefore, those drivers receive better or lower rates of insurance because they are not as risky for the auto insurance companies to insure. There are many more insurance companies in the regular or preferred insurance marketplace which also leads to lower costs due to competition. The Excess/Surplus insurance marketplace for high risk drivers has less competition and extremely higher costs.


Regarding to Motorcycle insurance?

Hi, I’m 24, male. I plan on getting the Yamaha R6-I’ll be financing the bike. I have some questions regarding to insurance of the bike. My friend owns a 06 Suzuki GSXR750, it was his first bike, and he is a fresh bike rider also. But his full coverage is only $120/month. While searching online (geico, Progressive, allstate), I find out that the full coverage for the bike itself is $487/month-which I found strange.

Because I’m older than my friend, he’s 22. I understand that you need full coverage(collision, comprehensive coverage) when you’re financing a bike. My friend is also financing the bike. But how come his full coverage is way cheaper than what I’ve searched for? I also picked the $500 deductible on Comprehensive and Collision too. But the lowest I got was $487/month-if not $880/month. When I decline the Comp and Coll, my coverage is only $84/month. Why is there a big gap for my full coverage comparing to my younger friend with a bigger cc bike? 600 vs. 750.”

Sued for Auto Accident Above Insurance Limit in NJ?

One year ago my wife was taking our daughter to pre-school turning left out the end of our road in to traffic, this road has a speed limit of 35 mph. Traffic had to stop to let her cross the first lane since it was solid cars, vans and small trucks. As she approached half-way, before getting a good view of oncoming traffic, another car took off the front bumper. Note that the center line is interuppted at the cross-junction. The bumper was torn from the front of the car with damage more evident on the non-impact side of the car than where initially hit, hence my wife had not initiated a turn, just edging forward to see. The radiator was in-tact, but damaged, still mounted to the front of the car.

I walked to the site with our other child and took my daughter home; she is fine and I took her to school but still talks of the incident today. My wife stayed at the incident, and was fine (no later issues) keeping real calm and cooperating with police. It took about 2 hrs with police debating which town the incident took place (middle of the road is the divide) and the other driver was concerned about getting home to take a pot off the stove, but seemed medically fine.

The driver asked me and the police to drive them home to get the pot off the stove and used my wifes cell phone more than once. They also wanted to drive their car home and leave the scene with a flat tire at one point I presume to attend to the pot. No tickets were issued, no air bags deployed. The other car had a flat front left tire and side damage so the drivers door was stuck shut. Both cars were old, so written off. Over a year later we received a court summons from their attorney and we are being sued for $750,000.

Our limit is $100,000 on insurance. The plaintiff is claiming herniated discs and loss of bowel control. We have a 2006 no money down mortgage, so total equity is very much in the red since our home value plummeted. I have no umbrella policy. I am sole income, but was owner of the car my wife was driving. My wife is stay-at-home mom. The remaining $650,000 would be a big problem. Interestingly, we heard that the other driver called our high risk auto insurance and asked for a >100-fold lower amount of money to just go away! Our insurer recalls this very clearly and did not pay. Questions: Should I invest in an attorney to work with our insurers attorney to cover the $650K over our limit?

Do we have any case given the car the other driver may have been in a rush (as all were aware of the pot on the stove), would have settled for far less, and in reported safety tests should avoid an obstacle at 55mph let alone at the speed limit of 35 mph? Their case, as I understand, is to actually prove my wife was negligent, she was just trying to see. Reality and the law are complicated I understand. Our insurer is looking in to the validity of their medical claims. I believe for spinal and neck injuries plaintiffs have to follow careful for high risk auto insurance approved treatment plans in NJ.

I know that such a condition may not be permanent with curative surgery possible to release the nerves that may be causing the bowel issue. The plaintiff has claimed the injury as permanent, do they need to prove this? Should we ask experts? The plaintiff lives in our town and their house is on my running route every other day. I have not noted anything at all and plan to stay away from all other parties. Should I change my running route? Thanks for any advice. Our 30 day clock is ticking.”

“21,no job,no health insurance,need meds, what do i do?”

i live in california & i had Health insurance for 3 months (medical) but they cut me off when i turned 21 in december. during those 3 months i was taking fluoxotine for my depression/social anxiety & nexium for dyspepsia. The meds actually worked. it took 2 weeks for my mood to change. i felt happy,less anxious & more talkative! but unfortunately i have ran out. My insurance company said they only take care of youth up to age 21 & the elderly. Well what does everyone else do? do any of you over 21 have Health insurance? if so what company? I have no money to pay for the meds myself, My fam cant afford it, i have no help, i cant get a job (ive been trying for two years) i Have no idea what to do.”

How much will car insurance pay for my accident?

I live in Logan, Utah and I was stopped at a red light when a car rear ended me going about 35 to 40 mph. I got whiplash and my neck, back and shoulder’s have been hurting since. I also have headache’s. The insurance company that will be paying for my injuries is allstate and they said they won’t pay for excessive bills. How can I tell which bills they will count as reasonable and which bills aren’t.

I don’t want to end up paying for anything, but I need to go see someone. Will they pay for chiropractors? massages? going to the doctor? I just don’t know. I am also wondering how much money they will pay me once I settle. I’m not able to go to work because I’m a hairstylist and I can’t hold my arm’s up very long. I already tried to go to work, but I just couldn’t do it so i came home early. Please Help! This is my first accident and I don’t know what to do”

Interest Rate on Auto Loan?

Ok, so I know you can’t tell me with certainty, but I just want an opinion. Just take the details and let me know what you think. If I were to take a car loan for about 14 to 17k for 60 to 72 months, I am 20 and have no credit, but it would be cosigned by my grandfather who has a credit score of 690. The down payment would be in the ballpark of $2500 to $3500. Estimates would be great.

I don’t particularly want to call around to banks and all that right now since I won’t be actually doing this for a couple of months, I would just like to get all the figures worked out before hand. I already know what I’ll pay for insurance and I’ve been checking the finance calculators online to see about what my car payment will be, but the interest rate makes it very too much to just guess. I guessed it would be ~10–12%. Does that sound right? I know good credit nets you around 7. Thanks.”

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