Q: I couldn’t afford to pay my car insurance and I thought when I stopped paying my premium that the insurance company would cancel my policy, but they kept it active for 3 months after I stopped paying. When the next renewal came around they billed me the amount not paid from my last term with my renewal amount. I have since placed my insurance with another company because I never asked my old company to keep my policy active after I stopped paying, do I still owe them the money?

A: Thanks for the question, this is a difficult one so I will try and break down.

First, you live in California and the last thing that you want is a lapse in coverage. This also goes for your insurance premiums, because insurance companies will charge you more for your insurance if you have a lapse between companies. So, the insurance company extending your coverage without you wanting them to may actually be a good thing.

Second, you only owe for your insurance coverage with your old company up until the day that you got coverage with your new company. To get them to remove the charges for the time that you had coverage with another company, you will need to provide them with proof of insurance coverage with your new company.

For the remaining balance that you may owe to the old company, talk to your new insurance agent about what you need to do.

Unlike the Lincoln car insurance laws, not all Lincoln, Nebraska laws were thought out evenly.

There are just some laws on the books, other than Lincoln car insurance laws, that make you laugh.

Okay, we all know that we have to carry Lincoln car insurance to be able to drive legally, right? If you didn’t know that, you do now. And here is a refresher of the minimum amount of insurance coverage that you are required to have:

• $25,000 per person per accident
• $50,000 per accident bodily injury
• $25,000 per accident property damage

Boring, right? Well, here are some other laws on the books that are right alongside the laws requiring Lincoln car insurance that will make you laugh, and some will make you scratch your head as to why they had to make it a law.

Old Lincoln Traffic Laws

As of May 1968, you are not allowed to ride your horse or drive any horse-drawn vehicle on the sidewalk. Oh yeah, don’t drive your vehicle on the sidewalk either. Interesting to note is that the no vehicle on the sidewalk law was made in 1954, then 14 years later the horses were banned from the sidewalk.

This law from 1960 is too good to transcribe, so here it is directly from the Lincoln city ordinances:

“The person in charge of any garage or repair shop in the city to which is brought any vehicle which shows evidence of having been struck by a bullet shall report to the police department of the city as soon as such vehicle is received, giving the engine number, manufacturer’s serial number, registration number, and the name and address of the owner or operator of such vehicle.” (So don’t shoot your car on accident)

“Failure of Common Sense” Lincoln Traffic Laws

The following laws make you wonder if the city fathers were just covering all the angles, or if someone’s lack of common sense required that they make these laws.

“It shall be unlawful for any person to throw or deposit any glass, nails, tacks, wire, cans, or other substance likely to injure any person, animal, or vehicle upon any street or public way.” (April 1954)

In 1954, you were required to have a horn on your vehicle that could be heard at least 200 feet away. However, it wasn’t until 1990, that it was illegal for you to drive a vehicle without brakes. Yeah, I’m scratching my head on that one also.

At least with the Lincoln car insurance laws that the State of Nebraska created, you can track the thought process on that one.

You never know where you will need your Henderson car insurance coverage to protect you.

Always purchase more Henderson car insurance than what Nevada requires.

The State of Nevada determines the minimum amount of car insurance that drivers are required to purchase if they want to maintain their driving privileges. These amounts change every so often, but at the current moment they are as follows:

• $15,000 of bodily injury liability coverage for anyone not in your vehicle injured by you while you are driving
• $30,000 also for bodily injury liability coverage, but this is the total that the insurance company will pay out for injuries from a single accident if there are two or more people injured.
• $10,000 of property damage liability coverage to pay for any damage you cause to another person’s vehicle.

These minimum coverages are only required to make sure that if you get hit by another person that your injuries and damages will be paid. On the flip side, it also makes sure that the injuries and damages that you cause to another person are paid, as well.

However, these minimum coverages do not cover any of your own injuries or damages. And in Clark County, where Henderson is located, not having coverage on your Henderson car insurance that protects you in the event that you are injured in an accident is dangerous.

Here’s why.

Motorcycle Accidents with Injuries

In 2010, per the Nevada Department of Transportation, there were 933 motorcycle accidents in the state that resulted in injury. Of these 933 accidents, 721 of them happened in Clark County; meaning that 77% of these types of accidents for the entire state happened in Clark County.

In that same year, 30 of the 44 statewide motorcycle accidents that involved a fatality happened in Clark County.

Alcohol Involved Crashes

In 2010, there were 2894 car accidents in Nevada caused by drunk drivers. Of these 2894, 82% of them happened in Clark County.

If you are hit by a drunk driver and they leave the scene or have no car insurance, you are stuck with paying your own damages and medical bills until you can take them to court. If you have coverage on your Henderson car insurance policy to pay for your own injuries and medical bills, these expenses won’t have to come out of your own pocket.

In fact, your insurance company will even take the other person to court for you.

Talk to Your Henderson Car Insurance Agent

The statistics for the two scenarios above just scratch the surface of why you need more Henderson car insurance than what Nevada requires, whether you drive a car or a motorcycle. There are many other accident scenarios not listed that you can find yourself in that can cause damage to your vehicle or leave you with piles of medical bills that you can’t pay.

So, talk to your Henderson car insurance agent today about what coverage you should have on your policy that will give you the best coverage for your budget.

Staying off the road and taking mass transit is the best option in bad weather to save from having to use your Plano car insurance.

You just never know what Mother Nature is going to throw at you in Plano, Texas; which is one reason you have Plano car insurance.

Hurricanes, ice, snow, hail, tornadoes, and lots of rain can happen at any time, especially when you least expect it. You never turn the calendar page and say to yourself, “Oh, I should get prepared because there is going to be a hurricane later this month” or “Hey, it’s December, I should stay home on the 7th because we are going to get a freak snowstorm”.

What makes unexpected weather so dangerous is that not only are we not prepared for it, but it also makes driving so much more dangerous. And these conditions increase your chance of getting in a car accident.

The unexpected is exactly why we carry Plano car insurance, so that we are protected in the event something does happen. A dose of extra safe driving helps also.

Staying Safe during Unusual Weather

The first rule of driving during unexpected, dangerous weather is – don’t. If you can help it, never drive during these times if you don’t have to. But if you have no choice, here are some safe driving tips:

1. Don’t attempt to cross unfamiliar puddles of water, especially if you have a low sitting car. You don’t know what is under the puddle, and you may end up getting stuck and flood the engine of your car.
2. If you have no tread on your tires, do not drive when it is rainy, hailing, snowing, or icy. (And buy new tires the first chance you get)
3. As soon as you hear that there is bad weather coming, fill your gas tank.
4. Give as much distance as reasonable between yourself and the car in front of you. This will give you enough time to react if they start to lose control, and will give you a safe distance if you start to lose control.
5. Drive slow! You have more control over your vehicle at slow speeds than you do at higher speeds.
6. Give yourself extra time to get to where you are going so you don’t have to feel rushed.

Protection after a Car Accident

Even if you are the safest driver on the road during bad weather, accidents can still happen. This is why it is so important to have current Plano car insurance, this car insurance is your backup protection to your safe driving.

Besides being a good backup protection, the State of Texas requires that you carry a minimum amount of car insurance to be to drive anyway:

• $30,000 in bodily injury coverage for a single person for medical expenses
• $60,000 in bodily injury coverage for two or more people for medical expenses
• $25,000 in property damage coverage

As you can see though, the Plano car insurance required by Texas is only for the protection of the people that you hit with your vehicle in accident. None of the required coverages protect you or your vehicle.

So before another storm hits your area, contact your local Plano car insurance agent to make sure that you have enough backup protection for yourself and your own vehicle.

Greensboro car insurance and traffic laws are old, but not quite this old.

Greensboro car insurance is just one of many driving laws created in the previous decades.

We all know that when we get behind the wheel that there are just certain things that are expected of us, like we are expected to follow traffic laws and have Greensboro car insurance. But, sometimes it’s fun to go back and see when some of these laws were first put in place, because many of the traffic laws that are common place to us today didn’t always exist.

And with some laws, like how much Greensboro car insurance you have to carry, they have been constantly changing since they were first enacted.

Greensboro Traffic Laws From 1950s

What we see with the older traffic laws is that order was still being established on the road. At this time vehicles were still a novelty and they had just recently found their way into the lives of most Americans.

“It shall be unlawful for any person to park or drive a vehicle over, upon or across any curb, central dividing section, unpaved area dividing lanes of travel or any median along or adjacent to a public street except at such driveways, alleyways, or other entrances and exits as are established by public authority.”

Greensboro Traffic Laws From 1960s

In this decade people needed to learn how to use intersections:

“When official traffic-control devices are in place indicating stop intersections, it shall be unlawful to drive a vehicle into the intersections designated in traffic schedule no. 1 from the street indicated stop without first bringing it to a complete stop and yielding the right-of-way to all traffic approaching on the intersecting street.”

“When official traffic-control devices are in place indicating yield right-of-way intersections, it shall be unlawful to drive a vehicle into the intersections designated in traffic schedule no. 1 without first slowing down and yielding the right-of-way to any vehicle in movement on the main traveled or through street which is approaching so as to arrive at the intersection at approximately the same time as the vehicle entering the main traveled or through street.”

“In making a left turn at any of the intersections designated in traffic schedule no. 3, the driver of a vehicle must drive to the left of the intersection as indicated by official traffic-control devices within such intersection.”

Greensboro Traffic Laws From 1970s

In the seventies, it looked like everyone was all mixed up as to what way to go after the sixties, because the traffic laws from this decade had to remind people what direction to drive.

“It shall be unlawful to back a vehicle across a sidewalk, crosswalk or into a street unless such movement can be made in safety and ample warning shall be given to those who may be behind the vehicle.”

“When official traffic-control devices are in place indicating one-way streets at every intersection, it shall be unlawful to drive a vehicle on the streets or parts of streets designated in traffic schedule no. 7 in a direction other than the one indicated in the schedule.”

“It shall be unlawful to make a “U” turn or turn around, by driving or backing into any street or at any intersection unless such movement can be made in safety and provided that the intersection or street is not regulated by an official traffic-control device prohibiting such turning or backing.”

Greensboro Car Insurance

Greensboro car insurance wasn’t required when cars first became popular in Greensboro. But over the years, North Carolina lawmakers have seen that car insurance protection is just as important as the traffic laws that keep the vehicles from getting into car accidents.

If you are a driver in Greensboro, as you are minding the traffic laws also make sure that you are carrying at least 30/60/25 in liability coverage. This is the minimum coverage allowed by North Carolina, and if you are caught without it you will be seeing fines and citations just like you would of you broke any of the other above traffic laws.

*traffic laws taken directly from the Greensboro municipal code.