How Ridesharing Affect Your Ohio Car Insurance

For many years in Ohio, if you needed to get somewhere you drove your own car, took public transportation, or hailed a cab. The advent of instantaneous Internet communication using smartphones has added ridesharing and vehicle sharing to the ways you can get around.


The coverage you were entitled to when you purchased Ohio car insurance for your own car was easily understood, and consumers knew exactly what they were buying when they wrote that first check to the insurance company. Assessing the insurance needs of a car that’s used for ridesharing services or vehicle-sharing arrangements isn’t so easy.


Ridesharing lets car owners transport passengers in their personal vehicles for a fee. Ridesharing is arranged using large crowdsourcing applications that connect willing riders with willing drivers, usually by using a smartphone. The passenger pays the service. The service takes a fee, and then forwards the rest to the driver. This arrangement opens up many questions about the applicability of personal Ohio car insurance policy that’s used to insure a car that has become a de facto taxi. Taxi drivers are heavily regulated, and like most businesses, have much higher levels of liability insurance than regular drivers need. If something happens to you while you’re riding in a cab, the insurance ramifications are easily determined. In a rideshare situation, there are still many gray areas about who is responsible for what.


Vehicle sharing is an even thornier situation. Instead of a willing driver picking up a willing passenger to drive to a destination, vehicle sharing lets car owners loan their cars out for a rental fee when then they’re not being used. This service relies heavily on the gray areas in personal Ohio car insurance policies that let other people drive your car.


Ohio car insurance policies aren’t designed to cover the use of a personal vehicle for business use. Many people have attempted to make money using rideshare and vehicle sharing services without examining the liability ramifications. Ridesharing services are trying to plug the holes in coverage with umbrella policies, but even these can leave drivers with big liabilities if they don’t qualify for coverage under the ridesharing policy while the business use of their car voids the personal car insurance policy as well. In all cases, it’s smart to seek out the advice of a qualified Ohio car insurance agent to determine how much insurance you need to safely participate in ridesharing and vehicle sharing programs.

Carolina homeowners insurance

A new home can be a very exciting thing, but homeowners insurance is not. While homeowners insurance isn’t required in North Carolina by law, it can be a stipulation in a mortgage situation with a lender. Typically, lenders will make homeowners purchase insurance to protect their interests.


Whether you have a mortgage or not, it’s considered a smart move to have Carolina homeowners insurance, just in case, because you never know what life can throw at you. Not only will home insurance cover your property from say, a fire, it will also protect you from liability from someone who might have injured themselves on your property.


All homeowner insurance has two sections. The first is property coverages and the second is liability coverages. It’s very important to know what is covered in each section. You should not be afraid to ask and have each section explained in detail.


You should always very carefully consider the options available to you when deciding on your insurance coverage. Home insurance will only cover the basics, it doesn’t cover every possibility of damage, that may happen to your home. For example, if your home is close to an area, which may experience flooding, adding flood coverage to your home insurance package, could be a wise investment.


Most insurance companies will also provide additional coverages at extra charge, like debris removal. There are sometimes also optional coverages as well. They can cover such things as, scheduled personal property endorsement, refrigerated  property coverage and more. You can get a full listing of all additional and optional coverage options from the home insurance company.


Just like all types of insurance, multiple factors play into how much your premium will be. For home insurance, things like, the homes age, location, the construction materials of your home and of course, your deductible will all affect your premium.


Some insurance companies will offer discounts on their rates, if you qualify. For example, bundling insurance can lower your premium, having the appropriate alarms installed or even discounting your first home.


Before signing off an any paperwork, you should have absolutely no questions left unanswered. You should be aware of every circumstance, in which you are covered by your insurance and every circumstance in which you are not.


There are many options for homeowners insurance, if you feel an insurance agent may not be completely honest or perhaps not entirely certain of the answers to your questions, don’t be afraid to shop around and find a better agent or company.

Love me, love my dog? Not so with insurers

When you welcome your cuddly little puppy into your home, the last thing on your mind is liability. You never think that one day he might bite someone and they might have medical expenses. Medical expenses that you will have to pay.  That is, if you are not covered by your NJ homeowners insurance policy.


Not all insurers love dogs. Well, they  might love dogs personally, but they know that some dogs can be a claims risk and they are all about minimizing claims payouts.  That’s why they don’t love all breeds of dogs. This has created quite a stir among some dog owners who believe it is unfair and protest.


It’s nothing personal—it’s all about statistics. Insurance companies calculate risk of dog bite by reviewing statistics the industry collects on dog bite claims. What kinds of dogs have a disproportionate number of bite claims? And depending on the insurance company, they may decide not to cover that kind of liability.


Or they may hike up your premiums.  Be prepared to pay more –if you can even find homeowners insurance—if you own these breeds.


Pit bulls, otherwise known as Staffordshire terriers, are often on the list of frequent biters. While your dog may be a gentle, loving pet, statistics show that as a breed they are a risk. And if you are seeking discount New Jersey homeowners insurance quotes from someone like, you may be dinged for having this kind of dog.


Even though German Shepherds are often used as police K-9s, it is still a surprise to see them on a frequent biter list because they are often wonderful family pets.  The same with Boxers—they do not seem like they should be risks, but they can be.


It’s no surprise to see the Doberman or Rottweiler on the list—they are often used as guard dogs because they can tend toward aggression.


Now, there are some factors that might help. Some insurers will consider insuring you if you put the dog through a training course. Others say you must have the dog always under your control. Still others want you to muzzle him or her.  If you say you are going to do these things, you must, because if an insurance company finds out differently when you file a claim, it may not pay out.



Motor Vehicle Studies Tell the Tale

Statisticians have been collecting data on motor vehicles and driving since they were invented and there is a study or statistic for just about everything. Some of them are helpful and some of them are just plain scary.


Let’s take the fact that  an injury accident occurs every 14 seconds and someone’s life will be taken in a car accidents every 12 minutes. In the next 15 years, traffic accidents will be the fifth leading cause of death, up from fourth.  That is the primary reason you need to have sufficient coverage for you and your family. If you haven’t gotten competitive estimates, now might be the time to get Arizona car insurance quotes.


Here is another serious statistic: Schoolchildren are at most risk on school days between 3pm and 4pm.  With children leaving school around those times, it’s not wonder that is the time period when most kids are killed by cars. This should be good incentive to be extra careful around school zones, if you aren’t already.


And some good news:  when used the right way, seat belts alone reduce the risk of death in a car crash by more than 60 percent.  Child safety seats –when mandatory—have been shown to reduce the risk of death of young children by more than 35 percent. Those are compelling statistics that show how important it is to be restrained in a car crash. Thank goodness all states have seat belt laws now. But that wasn’t always the case.


Correctly used seat belts reduce the risk of death by some 61 percent.  When child safety restraints are mandatory the risk of death to kids falls by more than 35 percent.


While you’d think most accidents happen at high speeds on highways, that is not the case. Most car crashes happen within three miles of home.  But the most lethal accident is a rollover. It kills more people than any other kind of accident.


Teens have a higher risk of crash than any other age group—some 300,000 are hurt in crashes annually. Some 5,000 are killed.


You might find it interesting that men cause twice as many accidents as women.


With speed limits of more than 70 mph on some highways, it is amusing to consider that the very first speeding ticket was given in 1904 and the speeder was going a brisk 12 mph, which seemed really fast in those days.