Certain Carriers Have Access To Your States Records To Verify Your Traffic And Accident History.
House Bill 99 would ban all text messaging while driving and Senate Bill 35 would prohibit use of handheld communications while driving (hands-free would not be affected). Ohio drivers and people passing through the Buckeye State should be aware that several municipalities have passed bills banning texting including Toledo, Columbus and Zanesville. Michigan It hadnt yet passed as of this post, but House Bill 4936 seeks to change Michigans no-fault auto insurance law. Instead of having unlimited medical care after a car accident, drivers in the Great Lakes State could opt for car insurance policies with $500,000, $1 million or $5 million in bodily injury coverage, and payments to health care providers would also be capped.Michigan is currently the only state that provides unlimited, lifetime medical care to people who are catastrophically injured in car accidents. Michigan drivers also pay one of the highest average car insurance rates in the nation. Georgia Who knew that Georgia made 90% of Americas golf carts, or that so many Georgia drivers use the low-cost vehicles in lieu of cars? Georgia lawmakers, apparently. Concerned about the potential for injury, theyve passed a new law that creates a separate classification for golf carts and sets new standards for towns and counties that want to pass ordinances allowing drivers to use golf carts on city streets and multi-purpose pathways. Beginning New Years Day, all golf carts must have braking systems, reverse warning devices, tail lights, horns and hip restraints. A carts weight cant exceed 1,375 pounds or exceed 20mph top speed, and they now must be registered as personal transportation vehicles with the Georgia DMV. North Carolina Lauras Law goes into effect today. Named for the 17-year-old victim of a drunk driver, the law requires that repeat DUI offenders whose cases have other aggravating factors receive a minimum one- to three-year prison term and fines up to $10,000.
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This Insurance Also Covers Medical Expenses Too For The Parties Involved In The Accident, Regardless Of Who Is To Blame For It.
The normal process is for your insurer to request your medical details (with your permission), however this has become difficult and has led to so many delays that many insurers are now suggesting that you request your own medical details using data protection legislation. Under the data protection act, any organisation which holds information on you (personal, medical or otherwise) must provide you with all the information they hold within 40 calendar days should you request it. This is known as a subject access request (SAR) and under the act they can charge you a fee of up to A10 for this service (or in rare cases up to A50 if files are paper based). Failure of an organisation to comply with a SAR brings serious consequences, and can lead to criminal prosecution. If your insurer requests a SAR you do not have to agree, however doing so could speed up your application and ensure that you do not have to wait an excessive amount of time before you are covered. If you are unfamiliar with the potential problem, some of our clients have experienced delays of up to 3-6 months caused solely by the failure of their GP to provide medical records. The implications of being off cover could be dramatic, but this common pitfall can be avoided by applying for cover with an insurer that offers ‘free cover’. In this case, ‘free’ refers not to the monetary cost, but to the lack of underwriting required and usually means that you will be protected whilst your application is being underwritten. It is important to understand the specific terms of any free cover being offered, and your broker should be pleased to explain these to you. The increase in the use of SARs in life insurance applications may be the catalyst needed for GPs to improve their administrative service (since the fee under the SAR is just a fraction of what they would normally charge your insurer), and with any luck should lead to positive developments looking forwards. For assistance with your life insurance application, please feel free to visit hedgelandsmortgages.co.uk, a mortgage broker and financial advisor based in Devon. No Implied Endorsement: First-class portal does not endorse or recommend any article on this site or any product, service or information found within said articles.
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