Arizona Auto Insurance Law

As you travel from state to state within the US, the laws pertaining to auto insurance may vary. But when it comes to Arizona auto insurance law the rules are pretty straightforward.

The most frequently asked-about Arizona laws are:

Financial Responsibility

As in all other states, in order to be legally insured to drive in Arizona you must carry the minimum in auto liability insurance. This assures that you are financially responsible in the event of an accident and is often referred to as “financial responsibility”. The minimum in Arizona is 30/15/10 which means $30,000 minimum coverage for all persons injured, $15,000 max for one individual injured, a minimum of $10,000 coverage for property damage.

Although these are the minimums, many insurance experts agree that you should carry more due to the fact that the amount of money needed to cover damages in a claim are very often more than the minimum amounts the state requires. In this case, Arizona auto insurance law falls short of the minimum of $100,000 for bodily injury protection per person and at least $300,000 for property damage costs and physical injury costs recommended. Way short.

Arizona insurance law also requires that you keep proof of insurance in your vehicle at all times. That way in the event of an accident you will able to present proof that you’re financially responsible. The card issued by your insurance company is all you’ll need to keep in the car. If you’re caught without auto liability insurance you’re subject to a $250 fine.

Fault vs No Fault

Arizona law states that in the event of an accident, if you are found not at fault you’re entitled to sue the at-fault party for pain, suffering, and other costs arising out of the accident.

DUI and SR22 laws

If you’re caught driving drunk with a blood alcohol over 0.08 you will have your license suspended or revoked. In order to get it back, you must have your insurance company file an SR22 form with your local DMV. SR22 insurance is more costly because you are now considered a high risk driver. Not all insurers deal with them, so make sure your insurance company will do this for you (if they don’t, they will cancel your policy). You may also need to take a driver’s education course.

Arizona insurance law prohibits DUI plea bargaining, a process that can reduce or drop charges related to a DUI.

Seat Belt Laws

A police officer in Arizona can fine you $10 for not wearing a seat belt, but he or she can’t pull you over for that alone. There must be another infraction, and the seatbelt infraction is secondary.

Age Restrictions

For young drivers age 15 to 18, full driving privileges are granted over time in a process called graduated licensing. A learner’s permit is carried for the first 6 months. Unlike many other states, Arizona insurance law places no restriction on night driving for teens.

Older drivers have an age limit of 70 on automatic renewals.

If you think you may be paying too much for you auto insurance there are many sites where you can compare Arizona auto insurance rates. Many companies can save you as much as $1000 a year in premiums due to the competitive rates they can offer online. And when looking for additional bodily injury and property damage liability insurance from competing companies, it may not be as costly as you think.

The Basics of Car Insurance Laws

Almost anywhere you operate a motor vehicle you must provide “proof of financial responsibility.” In other words, you must satisfy local authorities that either you or your insurance company can and will pay for the consequences of a nasty traffic accident. More specifically, you must prove that you can afford to pay for property damage and medical expenses if you drive negligently or recklessly. For most drivers in most places, “proof of financial responsibility” is a polite and vaguely deceptive phrase that translates “car insurance.” Moreover, in most places with paved roads, the car insurance laws are clear: No insurance, no driving.

Consequences of failure to comply with car insurance laws

In many states, failure to comply with car insurance laws leads almost immediately to suspension of your driver’s license and cancellation of your car registration. With the suspension and cancellation in effect, you become vulnerable to stop and citation every time you get behind the wheel of your car. In some circumstances, law enforcement authorities may impound your vehicle and confiscate your driver’s license. In order to restore your driving privileges, you will have to supply your state authorities with proof of financial responsibility, pay penalties and fees for reinstatement of your license and registration, and pay storage fees for your vehicle. Given that basic liability insurance for a driver with a clean record costs only $50(US) per month, you pay far less for obeying the car insurance laws than you will pay for violating them.

If you cause a major traffic accident and you have no insurance, you are personally liable for all the damage and injuries you caused. Accident victims have every right to sue you for their losses, and the courts may place liens on all of your property and assets. The courts may attach your bank accounts, garnish your wages, and place a lien on your home. Even if you have very few assets or file for bankruptcy, the court’s orders remain in effect until you have made restitution for the damage or settled all of the claims against you.

Finance contracts supplement the car insurance laws.

The car insurance laws protect people and their property. They make no provision for protection of your own vehicle for damage or theft. If you have financed or leased your vehicle, your lending institution wants to protect its investment. Your loan or lease documents undoubtedly stipulate the lender’s requirements for your insurance coverage, demanding that you carry “comprehensive” and collision insurance. You may set the deductibles according to your budget, but you must carry insurance according to your contract’s requirements. The contract carries as much legal weight as the car insurance laws.

How Strict Are the Illinois Auto Insurance Laws?

Illinois auto insurance is strict. It is mandatory for every vehicle in Illinois to be insured.

Failure to comply with this law will result in the suspension of the registration of the vehicle. Illinois auto insurance law provides for a minimum of 55 USD fine for vehicle owners without insurance (July 2009). That is driving a vehicle without the prescribed auto insurance. If you are caught driving a vehicle whose registration has been suspended for lack of auto insurance, the minimum fine is placed at 1,000 USD. A heavy fine for offenders is expected to deter future violations in this state. This law applies to all vehicles with Illinois license plates.

Aside from the Illinois auto insurance requirements, state law also provides for specific details on insurance policies. Twenty thousand US dollars (20,000 USD) is the minimum liability coverage that could satisfy this state law. It further provides for a forty thousand US Dollar (40,000 USD) minimum coverage for one person in case of accident or death, and a fifteen thousand US dollar (15,000 USD) minimum coverage for damage to property.

Upon demand, the vehicle owner should be able to produce and present proof of ownership and insurance to a law enforcer. In this case, the vehicle owner must always carry with him an insurance card that will reflect such information. The Illinois auto insurance law is enforced through a random questionnaire that is sent to pre-selected vehicle owners through a computer program owned by the state. Failure to return said insurance verification form will result to the suspension of the vehicle owner. The Illinois auto insurance law further provides for the suspension of vehicle registration if the owner of the subject vehicle has received a traffic ticket and also convicted of driving a vehicle that has no vehicle insurance. First time offenders incur vehicle registration suspension until a 100 USD fine is paid as reinstatement fee. The vehicle must be able to submit proof of vehicle insurance upon reinstatement. A second time offender will be placed on a four month vehicle registration suspension. Third time offenders are placed under court supervision.

The Illinois state law on mandatory auto insurance has been one of the milestone laws in consumer protection and vehicular safety. It professes a way for the state to enable its citizens to be ably protected in cases of accident, damage to property and even death. In compliance with this law, citizens are encouraged by insurance providers and thus it helps put up an efficient insurance system that will be both beneficial to the consumer and the service provider. Law enforcement in the state of Illinois is strict when it comes to this policy. Vehicle owners are apt to follow this.

Pennsylvania Auto Insurance Laws – 5 Car Insurance Laws in PA That You Need to Know

It is important to understand the various Pennsylvania auto insurance laws. Why? Because understanding these laws may just end up keeping you safe and saving you some money! Laws regarding car insurance change greatly depending on the state you live in. Some places have very straight forward or even practically non-existent laws, while others have more complicated and detailed laws. No matter where you live it is essential to know certain laws regarding auto insurance if you own a car. The state of Pennsylvania is no exception. There are, in fact, 5 car insurance laws in PA that you need to know.

Law #1 – PA’s Minimum Requirements For Car Insurance

The state of Pennsylvania mandates that you carry minimum liability limits of $15,000 per person bodily injury, $30,000 per accident total bodily injury and $5,000 per accident property damage. It also requires you to carry $5,000 in medical expenses coverage. These limits are extremely low and not satisfactory protection for most people when involved in a serious accident.

Law #2 – PA Is A No-Fault Auto Insurance State – Sort Of

You need to choose if you will have a limited tort or full tort option on your PA car insurance policy. Choosing full tort gives you better coverage if you are hurt in an accident. Limited tort is less expensive but it prevents you from receiving compensation for pain and suffering by limiting your right to sue the other party.

Law # 3 – There Are Hefty Penalties For Not Having PA Car Insurance

If you are caught driving without liability car insurance in the state of Pennsylvania, you will get a 90-day suspension of your license and several fines and fees.

Law # 4 – Pennsylvania Has An Assigned Risk Plan

In Pennsylvania, there is an assigned risk plan that ensures everyone can get auto insurance, no matter how high-risk they are. If you have been refused coverage, cancelled, or are having trouble getting coverage, you may want to check into it.

Law # 5 – You Can Stack Uninsured Motorist Coverage For Extra Protection

If you have more than one vehicle on a policy, you can stack the UM coverage on them for an additional premium and get additional protection.

Protecting Your Business With Commercial And Insurance Law Service Providers

If you are a small business owner you need to be protected in the big business world with a law firm who knows commercial law. Your business needs protection against little business and big business and consumers who try to file lawsuits without cause and you need to know your rights in insurance law.

For all needs legally, a small business needs this protection for commercial law. The reasons are many, because as a small business you can face any amount of legal challenges and having a good law firm behind you for insurance law.

Here are several reasons for having a knowledgeable lawyer who knows commercial law.

Contract Negotiation
Making sure your insurance is the right fit for your business
Contracts with suppliers
Civil litigation from the public
Your property rights

Legal troubles often come in the form of small print on contracts. Having someone who can show you the law on these areas is part of having a business so you can run your business properly without worry in insurance law. Insurance lawyers are constantly on the go because the laws change even daily in favor of the insurance industry protecting them against the consumer and the business owner. The small business owner needs protection in insurance law.

Knowing what you are responsible for is important. You will have that extra edge because you are properly protected by a law firm who specializes in and practices commercial law.

If a supplier is supposed to deliver and goes out of business do you know what your rights are in commercial law? If a supplier doesn’t deliver what they were contracted to deliver and you are waiting on supplies to do business, are you protected against this? Does your lawyer know about commercial law?

As laws change you need to know the fine print on your insurance contracts because the insurance companies know their rights on insurance law. What about big businesses who try to run you out as a small business on your property because they want to enlarge? It happens unfortunately, but having a good lawyer can stop this when you know your commercial law.

Having a good law firm is important to protect your assets as well. Did you know that one civil suit from a consumer could run a small business into bankruptcy? With the right law firm you are protected in insurance law. This can be avoided because having this knowledge can be vital to a small business and its owner in commercial law.

How To Make Money Using an Udemy Online Teaching Course

A few decades ago, it was hard to find a good teacher. The only option that you had was to look for one in your area because the Internet was not available at that time. Nowadays, the internet has made it a lot easier to learn from the comfort of home. If you have been thinking of taking a certain course to hone your skills, we suggest that you check out Udemy. Let’s find out how people make money on Udemy by launching courses through websites. Read on to know more.

What Is Udemy?

Basically, this platform brings both students and teachers together. As a matter of fact, Udemy is one of the top platforms for online courses. It offers a lot of free tools and support for instructors to develop courses and make money from them.

Udemy allows anyone to create a course and offer it to everyone across the globe through its platform. Nowadays, the platform has more than 15 million students from more than 190 countries. Moreover, it has courses in more than 80 languages.

Launching a Course

If you want to submit a course on Udemy, you may want to follow the steps below. We will talk about each step in detail so you can get started without any problem.

Sign up

First of all, you may want to go to the home page of Udemy and sign up for an account, which will cost you nothing. As soon as you have signed up, you can access tons of free as well as paid courses.

Course creation

After signing up, you can hit the “Teaching” button. The “Create a course” button will show up that you can press to create a course and become a tutor.

Udemy revenue model

For course creation, Udemy won’t charge you any fee. On the other hand, for selling, you do have to consider the revenue model offered by the platform. Let’s find out more about the revenue model.

Instructor promotion

After a lead generation, the entire revenue goes to the course instructor. For instance, if a lead is generated through the coupon code given by the course creator, the instructor will get the revenue.

Organic traffic

If the course buyer comes to the platform through organic traffic, 50% of the revenue will go to the course creator. And the rest will go to the website. So, there is a lot of money to be made even if you don’t use other means to get the word about your courses.

Other revenue sharing model

This revenue sharing ratio can be between 25% and 97%. Actually, the ratio is based on the fact whether the customer comes to the platform via deals, ads or affiliates. So, based on these factors, the revenue can be more or less.

Resources for Udemy

Udemy helps you throughout the process. Whether you are going to create a course or you want to promote, the platform has resources for you. Udemy offers tons of free resources that help you make your course a success. As a matter of fact, the free resources on this platform are on the list of the best advantages of Udemy, as they help you make money from your course without too much struggle.

So, if you have been thinking of creating a course and publishing it on Udemy, we suggest that you take into account the advice given in this article. Just make sure your course is interesting and it can help your students learn new things. And that’s all you need in order to sell your courses and make a lot of money.

Ideal Solutions To Success Online

If you have ever spent time looking for ideal solutions to success online, you could find yourself very frustrated. You found that there are basic ways to succeed in this line of work. You know that online work isn’t hard, physical labor. Working online is easy in that there isn’t a lot of physical work involved. People who work hard as builders, factory workers, office personnel and in administration, must work hard and produce good results or they no longer have a job. Online work isn’t hard physically. However, it takes tenacity, perseverance, and a little knowledge to be successful. Perhaps herein lies part of your annoyance. Let’s look at some things that bring frustration into your ideal online performance. The items are not listed in any particular order of difficulty or ordered frustration levels.

Number 1, Building a Website

The number one thing that frustrates many people and keeps them from being successful online is building a website. This one thing kept me from being successful online years ago. When you find the right training building a website can be really easy. You don’t have to know HTML to build one today. You can learn how to make a website at certain locations on the Internet. There are places where you can learn how to make a free website.

Number 2, Finding a Domain Name

The best way to relieve frustration from finding a domain name is to first find the niche you want to promote. The name of your site needs to match the niche you have chosen. So, the way you keep this from being frustrating is to identify your niche, and then write a list of 10 to 15 names that describe your niche. It’s like choosing a title for a book, the title must tell what the book is about. Same with your domain name. It must tell what your niche is about. I prefer to stick with a .com. It’s just a personal preference that you don’t have to adhere to.

Number 3, Getting Site Ready

Until you learn, getting your site ready for search engine optimization can be really frustrating. Actually, it can be next to impossible if you don’t have the proper training. Again, I have a page for you to review that explains the ins and outs of preparing your site for SEO. Again, you can write articles, use social media such as Facebook, Twitter and Pinterest. The big question you need to ask is, “Where are you going to get the training and knowledge on how to make these ideas work for you?”

Number 4, Getting Traffic

The number one goal for any marketing site is to drive traffic to it. There are many ways to do this, but the only way I choose to do this is by writing good content for my website. What if you can’t write, or at least you think you can’t? Many sites offer training on how to write.The training on a few sites is phenomenal. Every bit of the training is to help you build a site, monetize it and then drive traffic to it. You can learn so many ideas on what to write that you will never run out of something to write about. Getting traffic is almost done for you. All you have to do is follow directions.

Number 5, Training

Before I found a helpful site, training was my nemesis. The lack of training defeated me every time and cost me money. The training I have gotten has given me a handle on success. I have learned how to succeed because I have been trained well. Following are a few things I have been able to find online:

Certification Courses: 5 Levels

1. Getting Started

2. Build Your own Traffic Producing Website

3. Making Money!

4. Mastering Social Engagement

5. Achieving Maximum Success Through Content Creation

Each level has several courses and the training available to make you successful! I repeated most of the lessons. Some were simple but needed more exploring. Others were new to me and my then limited expertise. I can’t believe how much knowledge is packed into these lessons. Yet the progress from one step to the next is given in easy steps for those who aren’t technologically proficient when they begin the courses.

You Get All the Training

Every site that I tried before this would promise they could teach me how to be successful. What they taught me was that I needed to hire a group of professional online gurus to help me build a successful online business. I paid good money to learn this, too. Their ads said that even a monkey could learn how to use their program. I guess that I’m not as smart as a monkey because I couldn’t begin to understand what they were trying to teach me. “You’ll never believe how easy it is to make money online,” their ads read. I learned the hard way, out of pocketbook hard way, that paper will lie still and let you write anything on it. At least the paper they wrote on did! I was never able to follow more than the first couple steps. Not nearly enough to learn anything. However, all that has changed now. Since I found this site, I have learned how to be successful online. All I’ve done since I’ve been here is grow and grow. That’s where I am. That was what I was looking for in the first place. Can I tell you that I found a place where you can work at your pace, make the amount of money you want to make, and work when and where you want to.

Work for Yourself

The best boss you will ever have is YOU. Working for yourself online doesn’t require lots of energy. You don’t have to have a specific location where you go to work. With today’s technological advances, you can work from nearly anywhere. I prefer to work at home with my family nearby. That’s where you can find yourself, too. Are you ready for the change? Are you ready to be your own boss? Then don’t wait! Visit me to begin today!