John Moore asked:


Most people are law abiding car owners who buy car insurance each year without fail as well as pay their road tax and register their vehicles with the Driving and Vehicle License Agency (DVLA). Sadly, there are growing numbers of drivers breaking the law, not paying their car insurance and it is the honest citizens who pay the cost in increased premiums.

The average fine for driving without car insurance is a pathetic £250, hardly a suitable deterrent and only double the amount of a fine for parking on a single yellow line, thousands are avoiding paying and with an influx of foreigners more and more people are driving on our roads without car insurance. With car insurance policies on average twice the amount of the fine, what incentive is there to buy car insurance?

Now is a more important time than ever for the government to tackle the increasing number of people not paying car insurance as the cost of living is increasing and motorists are suffering from rising fuel prices, increased premiums are something motorists can gladly do without. The government could at least charge those avoiding car insurance with more severe fines.

To tackle car insurance dodgers police in town centres are embracing new technology in cameras which scans a number plate and checks if the vehicle is registered with the DVLA in a matter of seconds. With the increasing network of cameras police can then track the vehicle without motor insurance to catch the offender and fine them and possibly taking a stolen vehicle off the road – potentially saving a future accident and therefore an insurance claim. If the vehicle isn’t registered the likelihood is no insurance as you need to register your car with the DVLA to get car insurance. If the car isn’t registered it gives the person immunity from speeding fines and parking fines as well as insurance costs.

It is estimated British motorists pay more than £500 million a year extra on their car insurance – on average an extra £31 each year. The DVLA has previously said that almost a million cars haven’t been registered are on UK roads, almost all of them will also be without car insurance affecting the rest of us honest drivers in increased premiums but also when we need to make a claim when we have an accident with someone without car insurance. Hopeful the government will bring in stronger measures to tackle these car insurance dodgers.

In the mean time you can limit the effect it has on your car insurance premiums by making sure you are paying as little as possible and have the right policy for you. Car comparison sites search the majority of car insurance providers saving you time and possible hundreds of pounds on your current car insurance premiums.



FERMIN

Allan asked:


This is a real fact that despite of taking a great care of your car, it can become victim of some of the real life misfortunes. A road accident is a common incident which can be caused due to distracted drivers, fatigued drivers, drunk driving, aggressive driving, extremely fast driving or sometimes weather. Cheap car insurance ensures that any such incident is not affecting you financially to a larger extent.

Apart from general road accidents, your car can also fall victim to car fire, theft or attempt of theft and sometimes road vandalism. Sometimes, the windshield of your car can be broken by some hooligan, while it is parked in a safe place. It may cost you a large part of your savings. Cheap car insurance can take guarantee of the repair of the broken or damaged windshield.

If you want to opt for cheap car insurance then three options are available for you. These are three types of car insurance cover, which are…

1. Third party only (TPO): This car insurance plan covers your liability to third parties i.e. claims made by third parties, against you, for damage to their property or any bodily injury.

2. Third party fire & theft (TPF&T): This car insurance plan covers you if some other person claims against you for injury or damage to his/her car or its driver. If your car is stolen or damaged by fire then also it is helpful.

3. Comprehensive: This is the widely used car insurance plan which covers accidental damage caused to your car and damage or injury you cause to another vehicle or its driver in an accident. This particular plan also covers loss of or damage to your car through fire or theft.

Now, it’s up to you which cheap car insurance plan would cater to your insurance need. And you can also check about different hidden benefits of various car insurance plans on the Internet which has become a big source of information of any kind of insurance like home insurance, life insurance or car insurance.



CODY

Daniel Millions asked:


Many families do not think about car insurance until they need it. That’s perfectly natural. However, to save your family some stress and anxiety, be sure that you always have current car insurance. Your car insurance protects you and your car in case of an accident.

Policies vary, so it is critical to check your car insurance policy. Most car insurance policies will cover you if you have a car accident with another car at either you are at fault or it is a no-fault accident. Your car insurance will pay to have your car repaired. This car insurance will also pay to have the other car repaired as well.

Most car insurance policies have a deductible that you must first meet. This is a dollar amount of a claim that you must meet before the car insurance company will pay anything to repair your car. Typically, the more expensive your policy the lower your deductible. When your car insurance is inexpensive there is a strong chance you have a high deductible. It is a wise step to confirm what your deductible is before you have a car accident.

Most car insurance companies offer a variety of deductibles and you can change your deductible limit by paying either more or less. The decision to do this is very personal, and only you can decide which policy would be best for you. There are people who haven’t had an accident in twenty years that want a low deductible. Then there are people who have had a recent accident that want a high deductible. Everyone is different.

Some states in the U.S.A. actually do not require that you have car insurance. However, many states do require that you have both a registered and an insured car. This protects you and the other drivers on the road from any possible accident. Were you to get in any type of car accident, an insured driver is covered for the most part by putting in a claim. An uninsured driver often winds up getting a personal lawsuit from the other driver as a result of the accident. Sometimes the uninsured driver does not have enough assets to pay the other driver what they are owed. Car insurance is a great benefit that certainly protects your family from a potential lawsuit and any other stresses.

Many car insurance policies will also cover your medical bills if you are in a car accident. This includes hospital and surgery bills. Some car insurance policies will pay for physical therapy or reconstructive surgery. There are even car insurance policies that will protect your pets from possible harm. It is nice to know that were your pet to be harmed during a car accident, that the car insurance company would pay their medical bills as well.

Some people may complain about the cost of car insurance and having to pay for it. No one likes having to pay an additional bill. However, the benefits of car insurance far outweigh the negatives of possibly having this type of insurance. There are so many reasons to be happy that you have car insurance. Anyone that is driving a car should have car insurance. To drive without car insurance is to take a real gamble.



CHADWICK