How to Spend Less on Auto Insurance

I don’t know the way to break this for you, but most drivers are paying a lot of for their car insurance!

For instance, ever thought about why your premiums haven’t decreased even though you have been driving carefully for many years? Or why, suddenly, your premium took a large jump? For more info, link. These the situation is caused by a misclassification from the insurance representatives, from the drivers’ lack of knowledge, or by the insurance companies’ rate hikes.

spend less on car insuranceIf you have had a good driving history over the past three years, you’re already on the right course. If your record is poor, don’t stop trying. You can always deal with your record in the future-and use this article to save lots of you money throughout the waiting period.

Car insurance rates change from person to person in accordance with how they use their vehicles. The best usage category is perfect for full-time farming. The next lowest category is for pleasure use, including driving to operate less than 30 miles roundtrip per week. The next categories are for vehicle use for work between 30 and 100 miles each week and for work over 100 miles per week. The highest category is perfect for business use for example on-the-road sales, light delivery work, as well as other jobs requiring the continual commercial use of a vehicle.

The gap between an insurance agent plus a broker is that an agent works exclusively for starters insurance company while a broker works for himself, subcontracting with various insurance companies. Therefore, the honesty, integrity, personal service, and cost competitiveness of both needs to be your primary concern when selecting your personal insurance representative.

Both are licensed by the same state insurance department, letting them earn commissions including 10 percent to 20 percent of one’s annual premium. Because you can’t get a telephone quote or the car insurance without their involvement, it is necessary you realize that the best way to get the best rate and representative is thru knowing the automobile insurance principles and cost-saving techniques that are outlined in this post.

Do you know Texas motorists can get FREE vehicle insurance quotes?

The Cheapest Texas Car Insurance In comparison, in Austin v. Dallas parents who was simply receiving $65 to $80 monthly from other son who resided with them, to supplement the $110 they received by means of old- age pension, were held not to be principally dependent on him for financial support since he contributed less than half of these income. Accordingly, they did not qualify for benefits when he was killed inside a car accident.95 The standards for determining actual dependency were discussed in Austin v. Dallas Insurance Co.96 The Dallas High Court listed the criteria as (a) the amount and time period of financial dependency; (b) the financial and other needs of the claimant; (c) ale the claimant being self-supporting; and (d) the general lifestyle from the family.

As described above, the Area scheme allocates good things about primary and secondary dependents. In which a spouse is killed, the surviving spouse will be the primary dependent and a child or , if there is no child, a parent or guardian would be a secondary dependent. If the sole parent (there being no spouse before the accident) is killed, the child (or parent) would be the primary dependent. But, inside the situation where both spouses are killed in the same accident the issue arises regarding the using survivor-ship legislation which for certain purposes deems one spouse, actually killed at the same time because the other spouse, to have died after the other. If this legislation is used, the estate of the spouse deemed to get died second would be eligible for the benefits payable to a primary dependent plus a child would receive benefits because of secondary dependents. In addition, the child would become qualified as an initial dependent from the spouse deemed to possess died second. As a result the insurer is likely to pay for twice with respect to primary dependents. Make sure you are paying the lowest rate available with!

The TX state regulations are now limiting the liability from the insurer in circumstances of a common disaster during these terms:The location where the death of the head of household as well as a spouse or dependent from the head with the folks are the effect of a common disaster, any benefits payable under section 93 will be paid only according with the death from the head of household. You can learn more at the official Texas State Gov Website.

Your Rights as a Renter

As a tenant in the Chicago area, it is important to know and understand your rental rights and responsibilities. You are needing to break your lease. Maybe you’ve gotten a new job, lost your job, you live in an undesirable neighborhood. Are you purchasing a home? Moving in together, or ending your relationship? Whether it’s one or a number of different reasons, you should educate yourself on your chicago tenant rights prior to renting.

When you rent, you will most likely be asked for a security deposit. This is money that the landlord keeps in the case of any damages or repairs needed for the time you are renting from them. In Chicago, the security deposit is the property of the tenant. The landlord is simply holding the deposit, and should be holding it in a separate account which bears interest. After moving out, the landlord is given 45 days to notify you of any damages. If you are not notified, the landlord is then obligated to return he security deposit to you. In the event there are repairs to be made, he or she must furnish the paid receipts within the following 30 days.

It would be in your best interest to notify a security deposit lawyer in the event of any of the following: you have moved and your landlord has not returned your deposit, they have failed to pay interest on your security deposit, they have claimed your deposit for invalid repairs, or you have only received partial payment back. There are proper procedures to be followed in a situation where you are taking your landlord to court. You may contact The Illinois Tenants Union, as well, at (773)478-1133. Residents living in the Chicago and Evanston areas are governed by the RLTO, or Residential Landlord and Tenant Ordinance. The Illinois Tenants Union serves individuals who rent houses, condos, or in apartment buildings. They are your advocate if you are a residential renter.

Your landlord may only keep your security deposit after you’ve moved if you have moved out owing rent, or you have damaged something in the apartment. The key to a good relationship between you and your landlord is knowing your responsibility as a renter, and knowing your rights. You can receive further information regarding your rights by contacting the Chicago Rents Right hot-line at (312)742-RENT.

Harwell Law Firm Launches Website Educating South Carolina Drivers on DUI Rights


(Myrtle Beach, South Carolina)– Recent figures from the National Highway Traffic Safety Administration rank South Carolina first in the nation for DUI fatality rates at 44 percent, surpassing the national average by 13 percent. A further breakdown of this study reveals more than 14,700 individuals were arrested in this state last year based on alcohol-related charges alone with an additional estimated 15 percent allegedly driving under the influence of marijuana, cocaine and other controlled substances. In light of these issues, Baxter Harwell of the Harwell Law Firm P.A. has launched a new website to educate South Carolina citizens about DUI-related legal issues.

Harwell affirmed, “The statistics for our state only cover a portion of the bigger picture. Though circumstances may seem hopeless when being pulled over on suspicion of driving under the influence, those in our area should keep in mind, thousands more are accused of this type of violation than are actually arrested. Knowing what to expect if stopped by law enforcement officials and how to proceed could mean the difference between overcoming such allegations or having them needlessly impact the lives of a number of South Carolinians. The purpose of our new website is to ensure drivers in our state are well aware of their rights in a situation like this.”

According to the Harwell Law Firm website, South Carolina law dictates three valid reasons for pulling over a driver, including DUI checkpoints and suspicion or direct observation of traffic violations. While requests from an officer, such as presentation of driver’s license, proof of insurance and vehicle registration fall under the category of routine procedure, drivers are advised they have the right to refuse further cooperation. Questions regarding recent consumption of alcohol are considered invasive and are covered under Miranda rights. Though an arrest may still take place, the officer involved will have little evidence on which to stand in court.

Drivers are likewise under no legal obligation to participate in field sobriety tests. Three standard tests of this nature are recognized by the NHTSA, yet an array of factors could alter their reliability, such as natural lack of coordination on the part of the accused, circumstance-induced nervousness and officers holding unfair bias. Refusal to undergo chemical blood, breath and urine testing is also legally allowed; however, failure to participate in these evaluations comes with certain consequences pertaining to the subject’s driving rights and potential future arrests.

Concluded Harwell, “Each case is different, and the details surrounding an arrest will affect its outcome. Drivers are well within their rights to reject law enforcement officials’ attempts at eliciting incriminating evidence. These liberties are in place to protect the citizens of our state from unfair accusations. Our new site provides information and articles related to DUI laws in South Carolina, including penalties, DUS, field sobriety tests and breathalyzer tests as well as underage drinking DUI to name a few points. We encourage drivers across the state to visit our new website to Learn More about their rights in a DUI scenario and find out how we can help them should the need arise.”

About the Harwell Law Firm P.A.:

With more than 20 years of experience in the field of traffic violations, attorney Baxter Harwell and his team are focused on defending the rights of South Carolina drivers using integrity, advocacy and understanding.

Media Contact:

Baxter Harwell

Myrtle Beach, SC 29577
(843) 839-2650


Keith Williams Law Group Celebrates Appearance On U.S. News Top 100 Lawyers List


(Nashville, TN)—When it comes to personal injury cases, going pro se is never advisable. Being able to work with an experienced attorney who will fight for the client’s rights increases the likelihood of a successful resolution by 50 percent or more. Unfortunately, with so many attorneys offering their services, it can be difficult to differentiate those who are in it for the money from those who truly care about their clients.

It is with this dilemma in mind that Keith Williams Law Group, a prominent law firm in Nashville, Tennessee, is announcing that Attorney Keith Williams has been named as one of the Top 100 Lawyers in U.S. News and World Report’s 2016 Best Law Firms List. Compiled annually using a rigorous nomination and evaluation process, this list has become a beacon of quality and distinction in the legal world.

Jennifer McFarland, a representative of Keith Williams Law Group, stated “Without quality legal representation in a personal injury case, there will be an uneven playing field for the injured party. The attorneys at our firm work hard to make sure that every client is treated fairly, and they fight tirelessly to see justice served in all cases. We are so proud of what Attorney Keith Williams and our team has accomplished. Being ranked as one of the top 100 lawyers in the state of Tennessee by U.S. News and World Report is an extraordinary honor and a testament to everyone’s dedication.”

McFarland goes on to say, “Firms included in the 2016 Best Law Firms list are recognized for professional excellence with persistently impressive ratings from clients and peers. Achieving a tiered ranking signals a unique combination of quality law practice and breadth of legal expertise. The attorneys here at Keith Williams Law Group are extremely talented and a huge asset to the people of Nashville and the surrounding areas.”

“Many of our clients have sustained serious injuries and suffered significant financial damage as a result of someone else’s carelessness or neglect. Our attorneys do whatever they can to help them bear the burden that comes with seeking justice for what has happened to them. We are honored that others recognize how much we value our clients and the successful track record that we’ve developed as a result of our commitment to their well-being. We hope to continue to provide excellent legal representation on an even greater scale.”

About Keith Williams Law Group:

Keith Williams Law Group is a Nashville personal injury firm that assists people who have been injured in car, motorcycle & truck accidents as well as aviation accidents. With some of the largest settlements and judgments ever awarded in Tennessee on their books, Keith Williams Law Group has successfully recovered over $50 million dollars in compensation for clients. Their team knows that winning takes experience, dedication, skill, and hard work, and they stand ready to level the legal playing field for clients and help them obtain a successful resolution to their case.

Media Contact:

Jennifer McFarland
Nashville, TN 37219
Telephone: (615) 313-3999