Garland car insurance isn’t a government conspiracy.

Riding the monorail will be the only way for you to completely avoid car accidents and having to have Garland car insurance.

It may seem that Garland car insurance is just another way of the government stepping in and regulating your life. It may also seem that it is a sly way for them to get more money from you.

However, the Texas lawmakers that made it a requirement for drivers in Garland, Texas to have car insurance did so to protect other people from you. They require that you have at least $30,000 in bodily injury liability coverage for each injured person (up to a total of $60,000 per accident), and $25,000 for property damage liability coverage per accident. All of these coverages are liability coverages.

Liability coverages only pay for the damages that you cause to other people and their property. These required coverages do not cover any injuries in your own vehicle or any damages to your ride.

It’s not a government conspiracy, it’s a law that had to be created because there were most likely too many uninsured drivers causing car accidents and not owning up to their financial responsibility.

Your Garland Car Insurance Protection

Just because the required liability coverage of the Garland car insurance coverage is there more to protect the other guy than you, don’t think it doesn’t do you some good either. Without this required car insurance, you would be responsible for paying all medical bills and damages from your own pocket.

If you refused to pay, you would find yourself in court. The aftermath of which would most likely leave you making monthly payments to the other person or their insurance company for the rest of your life; which could include seeing your wages garnished. And this is just if you don’t have the required Garland car insurance coverages.

If you don’t add more protection to your Garland car insurance policy that includes protection for the injuries in your vehicle and for the damages to your vehicle, those expenses will also come out of your own pocket.

Garland Accident Statistics to Think About

Most drivers don’t think a car accident will ever happen to them, and many of them are right. If you are one of them, congratulations!

Just for fun then, here are some car accident statistics for the City of Garland, Texas.

In 2012, 12 people died in the 11 fatal accidents that happened in Garland. There were also 1,166 accidents that injured 1,803 people that year. All total, Garland, Texas saw 2,739 car accidents in 2012; that’s equivalent to just about 12% of the population (statistics from the Texas Department of Transportation).

Hopefully all of those drivers had their Garland car insurance in place.

Winston-Salem car insurance is there to protect us after a car accident, but what about before?

Even when you are the only one on the road, traffic laws are in place to keep you safe and prevent you from having to use your Winston-Salem car insurance.

In North Carolina, it is required that you carry at least $30,000/$60,000 in bodily injury liability coverage and $25,000 in property damage liability coverage. These coverages are there to protect you financially in the event that you cause an accident or if you are the victim of an accident.

Protecting you financially means that the coverage from your insurance policy will pay for the costs (up to the coverage limit) that result from the accident, instead of you having to find the money to pay for it yourself. Without insurance you could possible lose everything you own of value, have your wages garnished, and may even end up filing for bankruptcy.

Unfortunately, Winston-Salem car insurance is only protection for after something has already happened to you. It does nothing to protect you from the situation in the first place.

Protection from an accident comes from these other traffic laws.

Using Your Signals and Headlights

The headlights and signals that we have on our vehicles are safety equipment, and failure to use them properly can definitely result in a car accident.

Sec. 42-81. Dimming headlights

Any person operating a motor vehicle, when meeting another vehicle, shall so control the lights of the vehicle operated by him that the headlight beams shall not project a glaring or dazzling light to persons in front of such headlamp, in accordance with the provisions of G.S. 20-131.

Sec. 42-54. Signal by driver on starting, stopping or turning

The driver of any vehicle upon a street, before starting, stopping or turning from a direct line, shall first see that such movement can be made in safety, and, if any pedestrian may be affected by such movement, shall give a clearly audible signal by sounding the horn, and, whenever the operation of any other vehicle may be affected by such movement, shall give a signal as required by G.S. 20-154, plainly visible to the driver of such other vehicle, of the intention to make such movement.

Don’t Challenge the Train

Challenging the train is like playing Russian roulette. You may win a couple times, but when the train wins you’re dead. So be a better driver than that and follow these traffic laws for your own safety.

Sec. 42-53. Obedience to signals indicating approach of train

• (a)Except as provided in section 42-84, whenever any person driving a vehicle approaches a railroad grade crossing under any of the circumstances stated in this section, the driver of such vehicle shall stop within 50 feet but not less than 15 feet from the nearest rail of such railroad, and shall not proceed until he can do so safely. These requirements shall apply when:
• (1) A clearly visible electric or mechanical signal device gives warning of the immediate approach of a railroad train.
• (2) A crossing gate is lowered or when a human flagman gives or continues to give a signal of the approach or passage of a railroad train.
• (3) A railroad train approaching the street crossing emits a signal audible at the crossing, and such railroad train, by reason of its speed or nearness to such crossing, is an immediate hazard.
• (4) An approaching railroad train is plainly visible and is in hazardous proximity to such crossing.
• (b) It shall be unlawful for any person to drive any vehicle through, around or under any crossing gate or barrier at a railroad grade crossing while such gate or barrier is closed or is being opened or closed.

These are of course just a small portion of all the traffic laws out there to protect you from an accident. And for those times that you forget one of those many traffic laws is when you will be thankful for the safety of your Winston-Salem car insurance.

Gas keeps your car running and so does Lubbock car insurance.

Getting into a car accident without Lubbock car insurance is kind of like being financially run over by one of these.

Imagine a life without Lubbock car insurance. You would have fewer bills to pay each month, you wouldn’t get upset every 6 months when your Lubbock car insurance rates increased, and you wouldn’t have to keep track of that small card proving that you have car insurance.

Life would be good, right?

Well, at least until you got into a car accident.

So What, So I Got In a Car Accident

Have you ever really sat down and thought about what happens financially when you get in a car accident?

If you are in a car accident alone there is no one else to pay for the damages to your car. You are responsible for paying for all the car repairs, tow charges, and rental car fees. If things go really bad and you total your car, you now have to come up with the money to get a new car.

Still owed money on the car you just wrecked? Congratulations, now you have two car payments.

Now, take all that trouble from above and times it by two or more if you cause a wreck that involves other people. But, this time you get to add in medical bills and attorney fees.

Most of the above issues would be paid for by your Lubbock car insurance policy (depending on your coverage). So just like life is easier when you don’t let your run out of gas, life is much simpler when you have a Lubbock car insurance company taking care of all the problems that come with a car accident.

Other Legal Issues

Aside from protecting you from financial ruin, the State of Texas requires that Lubbock car insurance is to be carried by all drivers in the state.

Lubbock drivers are required to carry $30,000 in bodily injury liability coverage for each injured person (up to a total of $60,000 per accident), and $25,000 for property damage liability coverage per accident.

If you don’t have above at least the above coverage, you can add possibly losing your driving privileges and fines to your other accident related costs.

When you are purchasing Lubbock car insurance, keep in mind that these requirement are more for protecting other drivers from you, rather than protecting your property. So it is important that you talk to your Lubbock car insurance agent about how much coverage you need to be fully protected in the event of an accident.

Forgetting a traffic law is easy; just make sure that it’s not the law about Durham car insurance.

Sometimes it is good to go back to the basics, like the requirements on your Durham car insurance.

The laws that establish Durham car insurance should be common knowledge to all drivers by now. But, there are always a few drivers out there that are lacking in common knowledge, so here is a refresher course.

Just to be Clear……..

Just to be clear, everyone has to obey the traffic laws in Durham, North Carolina. They even specifically point that out in their city ordinances, just in case you were trying to find a way around them:

Sec. 66-5. Same—Public employees.

“The provisions of this chapter shall apply to the driver of any vehicle owned by, or used in the service of, the United States government, or this or any other state, county or city. It shall be unlawful for any such driver to violate any of the provisions of this chapter, except as otherwise permitted in this chapter or by state statutes”. (Code 1964, § 12-6; Code 1982, § 20-5)

Sec. 66-6. Same—Persons propelling pushcarts or riding bicycles or animals.

“Every person propelling any pushcart or riding a bicycle or an animal upon a roadway, and every person driving any animal-drawn vehicle shall be subject to the provisions of this chapter applicable to the driver of any vehicle, except those provisions of this chapter which by their very nature can have no application”. (Code 1964, § 12-7; Code 1982, § 20-6)

In other words, even if you are riding a horse, you still have to obey the traffic laws. But, no, you don’t have to carry Durham car insurance for your horse, just in case you were wondering.

And if You Forget, Here’s a Refresher

For those of you that need a Driver’s Ed refresher, here is one compliments of the City of Durham, North Carolina:

Sec. 66-41. Traffic-control signal legend.

“Whenever traffic is controlled by official traffic-control devices exhibiting the words “go,” “caution” or “stop,” or exhibiting different colored lights successively one at a time, the following colors only shall be used, and said terms and lights shall indicate as follows:

(1)Green alone or “go”:

a. Vehicular traffic facing the signal may proceed straight through or turn right or left unless a sign at such place prohibits either such turn. But vehicular traffic shall yield the right-of-way to other vehicles and to pedestrians lawfully within the intersection at the time such signal is exhibited.

(2) Yellow alone or “caution” when shown following the green or “go” signal:

a. Vehicular traffic facing the signal shall stop before entering the nearest crosswalk at the intersection, but if such stop cannot be made in safety a vehicle may be driven cautiously through the intersection.

(3) Red alone or “stop”:

a. Vehicular traffic facing the signal shall stop before entering the nearest crosswalk at an intersection or at such other point as may be indicated by a clearly visible line, and shall remain standing until green or “go” is shown alone, or may turn right as authorized by statute.

(4) Green straight-through arrow (alone):

a. Vehicles facing such signal may proceed straight through, but shall not turn right or left. Such vehicles shall yield the right-of-way to other vehicles and to pedestrians legally within the intersection at the time such signal is exhibited.

(5) Green turn arrow (alone):

a. Vehicles facing such signal may proceed through the intersection making only the turn so indicated by the arrow over the respective lane. Such vehicles shall yield the right-of-way to other vehicles and pedestrians lawfully within the intersection at the time such signal is exhibited”. (Code 1964, § 12-13; Code 1982, § 20-22)

And Finally….

Per the State of North Carolina make sure that you are carrying at least 30/60/25 in liability coverage for your Durham car insurance.

It is a good idea to have additional Madison car insurance coverage during dangerous winter driving.

When the roads turn to this in the winter, you will be better protected if you have more than the minimum Madison car insurance.

We all know that you have to have Madison car insurance if you want to drive in Wisconsin. But, the minimum amount of car insurance that the state requires may not be enough to really protect you if you were to become a victim of winter roads.

Why Should We Be Concerned About My Winter Madison Car Insurance?

In the winter you never know what is going to happen out on the road. The slick snow and ice remove all traction that would normally keep you and everyone else from car accidents, and winter weather events tend to decrease your ability to be able to see while you are driving. These less than ideal conditions mean that even those that drive safely, like you, still have a good chance of getting in a car accident through no fault of your own.

In other words, your safe driving skills may not be enough to protect you from getting into an accident in the winter. And if you are keeping your insurance coverage to minimums only based on your “safe driving” ability, you may regret it during the winter.

What is the Minimum Amount of Madison Car Insurance?

The State of Wisconsin requires that you carry no less than the following Madison car insurance coverage:

• $25,000 for the injury or death of one person
• $50,000 for the injury or death of more than one person
• $10,000 for property damage

Why is the Above Madison Car Insurance Not Enough?

If you look closely at the minimum insurance that the State of Wisconsin requires, you will notice that there is no coverage for you or your vehicle. So if you hit a patch of black ice and slide into a tree, you will have to pay for all of your injuries and damages to your vehicle out of your own pocket.

Say you hit that same patch of black ice, but instead of sliding into a tree you slide into another car. You only have $10,000 in coverage to pay for the damages to that other car. If you happen to total the other person’s car, you will have to pay for what remains after your insurance company pays the initial $10,000.

No amount of safe driving can protect you in every winter driving scenario, so talk to your Madison car insurance agent today about the coverage that will protect you from winter driving.