What Is At Fault Car Insurance?

Reader question:

If I get into an accident, and it’s because the person ahead of me hit his brakes making me run into him, am I still considered to be at fault?

Logan

Yes, sorry to say.

It is such a dilemma when you are considered at fault when the other person did something negligent to help the accident along. However, in almost every situation, if you hit someone from behind then you are the at fault driver, and your case is anything but rare. The reason for this is that even though the other driver made the bad decision of slamming on the brakes, you should be aware enough of your surroundings to have control of your car and avoid an accident. Think about it. If you’re in a neighborhood where kids are playing and the person in front of you slams on the brakes to avoid a ball rolling out into the street, are they at fault, or are you for going so fast in an area where you shouldn’t?

The truth is that these accidents can easily be avoided just by taking in some of the processes of defensive driving. You can keep yourself safe from a rear end car accident at fault car insurance debate just by doing the responsible thing and always staying at least three seconds distance behind the driver in front of you, or five seconds in bad weather.

Cheers,

Fashun Guadarrama.

Should I Take Driver’s Ed For Safe Driver Insurance?

Reader question:

I’ve been driving a couple of years now under the radar, even though I don’t have my license. I have experience and know how to drive, and I’m about to turn eighteen, so I’ll be able to get my license without having to take a driver’s ed course. Is it a good decision to avoid the course if it isn’t mandatory if I want to get good rates on car insurance?

Mandy

Nope.

I can’t really knock you, because I did the same thing. I was driving at fifteen but I didn’t get my license until I was eighteen. That was a bad choice I made, though, not only because I opened myself up to more accidents from lack of knowledge and possible loss of license in the future for driving without one then. I never got caught, but I was lucky, and I’m happy to be able to discourage others from doing the same. One of the most valuable things about your driver’s ed course, besides teaching you useful information that you will need out on the road, is that it will save you money by qualifying you for safe driver car insurance.

Did you know that, if you take a driver’s education class, they cost about two hundred dollars? You probably did. The cost is one of the main reasons that people avoid them. Did you also know that having that on your list of qualifications will save you that entire amount, if not more, in your first year of having auto insurance? That should change your mind a bit about taking a course.

Car insurance companies are very big on the idea of safety and responsibility. That’s why people can get discounts on car insurance for just being a mathematician, because studies show that these people are more likely than not to pay more attention to their surroundings and thus more able to avoid crashes. If you’re not so lucky as to be a mathematician or studying to be one, then you have to take extra measures to make yourself be seen as a responsible driver, and there’s more to those measures than just keeping your driving record clean. Taking a driver’s ed course not only helps you, but it saves you a lot of money over time.

Cheers,

Fashun Guadarrama.

Safe driver insurance plan for avoiding speeding tickets

Reader question:

I got pulled over for speeding the other night, but lucky for me, I got off the hook. I’m scared now, though, because if it happens again then I’m sure to get a ticket and I don’t want to see my rates go up. How do I avoid this?

Jose

Don’t speed!

It seems like it should be as simple as that, but there’s some kind of human urge to be going at a certain pace. It isn’t even consistent. Sometimes, I feel like I’m going too fast at thirty five. Other times like I’m just inching along at forty five. It really depends, and it’s something that you have to learn to control. I suggest that you come up with a safe driver insurance plan to help you avoid bad situations where you might end up speeding. And never allow yourself an excuse to speed.

One of the best ways to avoid speeding doesn’t even necessarily involve you going at or below the speed limit. It’s called being aware of your surroundings. If there are several cars around you going sixty, then you can reasonably go fifty and not risk at all getting pulled over. Keeping an eye on how traffic is behaving is one of the best skills for both avoiding speeding tickets and keeping yourself from getting into a car wreck. Knowing what the other cars might do allows you to compensate for them.

Most of the time, the thing that will get a police officer’s attention is you being obnoxious driving. One time, I got a ticket for having expired registration because I happened to pull up at a stop light behind a cop car and then try and pull away in a very awkward and suspicious manner. If I had just sat there until the light turned green and then casually changed lanes, he probably never would have even looked. Keep this principle in mind when you feel the need to go over the speed limit. Only do what the others around you are doing, because you cant be caught out if they’re all speeding.

Cheers,

Fashun Guadarrama.