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www.AdrianasInsurance.com: 5 Signs That You Might Be A High Risk Driver

 

5 Signs you Might be a High-Risk Driver

Getting car insurance should be a straightforward process. It should be as simple as finding the right provider, signing a bit of paperwork, and going about the rest of your day assured of coverage that adequately protects your interests. For many people though, signing up for auto insurance is a complicated nightmare. This is because most insurance companies go to great lengths in order to avoid people classified as high-risk drivers. There are countless drivers who struggle to find even the most basic coverage purely because of getting stuck with this unfortunate label. But what exactly is a high-risk driver?

High-Risk Drivers Explained

The term high-risk driver sounds like a stigma that only applies to dangerous drivers, but it actually affects people from all walks of life. Simply defined, high-risk drivers are licensed drivers who have an increased probability of filing an insurance claim on their vehicle. All it takes for someone to become a high-risk driver therefore is to create the impression that they are more likely to file a claim than then the average licensed driver. As you can imagine, this could happen for plenty of reasons beyond a blemished driving record. The five most popular reasons why drivers become high-risk are:

1. Traffic Violations: Any formal Vehicle Code violations on a person’s traffic record immediately designates them as a high-risk driver. Such violations can include DUI convictions, speeding, driving without a license, collisions, hit-and-run incidents and many more.

2. Lack of Experience: Regardless of age, any newly licensed driver is more likely to be classified as high-risk. This is because inexperienced drivers are statistically susceptible to end up in collisions or other undesirable traffic incidents.

3. Becoming a Senior Citizen: Elderly drivers are typically classified as high-risk because of the health complications associated with aging. The older people get, the more deteriorating health interferes with their ability to operate vehicles.

4. Lapses in Coverage: Going without insurance for extended periods of time while you own and drive a vehicle isn’t just dangerous, it’s against the law. Doing this has a significant impact on a driver’s reputation and immediately compels insurance companies to assume that an applicant is high-risk.

5. Driving High-End Cars: People who own expensive or high-performance vehicles are usually considered high-risk because of the potential costs of insuring their cars. Sports cars cost a lot of money either o repair or replace. This makes them challenging to provide coverage for.

If you happen to fall under the category of high-risk drivers, there’s no need to despair. This is because regardless of the circumstances a driver might be in, being high-risk is always temporary. The vast majority of high-risk drivers are perfectly capable of building reliable reputations. All it takes is finding the right insurer, and developing an incident-free driving record over time. For more information on how Adriana’s Insurance Services can help you overcome the hurdles of being a high-risk driver, visit any of our offices or give us a call at 1-800-639-7654 We got you covered!

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4 Types of Coverage to Protect your Next Trip

by Adriana’s Insurance

Whether it’s for business or pleasure, traveling on vacation is a riskier routine than most people realize. It’s easy to plan for the fun and leisure you expect to enjoy, but ignoring the possibility of accidents and mishaps sets the stage for a host of avoidable problems. People can fall ill while on vacation for example. Or they can encounter theft and loss of property. Almost everyone has a horror story or two about misplaced wallets, reckless baggage handlers, stolen cameras, or even cracked cell phones while on vacation. The farther away the journey is from home, the more important it is to make sure you are protected from being stranded under difficult circumstances. Travel insurance certainly can’t prevent bad things from happening. It can, however, soften the blow of having to make difficult decisions suddenly in a strange environment.

Travel Insurance refers to insurance coverage that is specifically designed to supplement or provide monetary compensation for costs related to medical treatment, lost property, accidents, trip cancellation and other calamities that occur while traveling domestically or abroad. There are four main types of coverage related to travel insurance:

1. Emergency Medical Coverage
2. Personal Effects Coverage
3. Trip Cancellation Coverage
4. Accidental Death Coverage

Emergency Medical Coverage
Medical coverage related to travel insurance specifically targets emergency healthcare situations in which travelers have to seek treatment from unfamiliar health care providers. Emergency medical coverage can offer compensation for expenses such as hospital stays, minor treatment, or special travel accommodations like air-lifting and general evacuation. Emergency medical coverage is perhaps the most important reason people should purchase travel insurance because needing medical treatment outside of your medical provider network can happen over even the simplest decisions… like going for it on that plate of sautéed frog’s legs.

2. Personal Effects Coverage
Can you imagine spending days taking the perfect selfies on location only to lose your phone to a pickpocket? Or shopping for a treasure trove of exotic clothes only to have an airline lose your luggage on the way home? There’s a sinking feeling in the pit of your belly that happens when you lose something valuable. That feeling doesn’t have to be there though with personal effects coverage. Personal effects coverage related to travel insurance provides travelers with a financial consolation in the event that their possessions are stolen, damaged or lost during a trip. This type of coverage requires subscribers to provide their insurers with a detailed inventory of personal belongings. Because personal effects coverage is also featured in policies for homeowners and renters insurance, it’s important to confirm whether there is any overlapping coverage before opting to purchase it under travel insurance.

3. Trip Cancellation Coverage
We’ve all been there. The tickets were bought, the rental was booked, the hotel reservations were locked in, and out of nowhere, boom – a change of plans makes following through impossible. It’s painful to watch all those Mai Tais at the beach you daydreamed of just vanish into thin air. Canceled plans are the worst but there’s an easy way to get your cash back even in the tightest emergencies. Trip cancellation coverage is an option under travel insurance that provides financial reimbursement for situations where passengers are compelled to abandon their travel plans unexpectedly. This could happen for any number of reasons. For instance, an accident could make it necessary to go home as soon as possible, or a natural disaster could make traveling to a desired destination out of the question. During such events, having coverage that reimburses subscribers for the unused portion of their travel provides a cushion against losing money over squandered bookings.

4. Accidental Death Coverage
Accidental death coverage related to travel insurance provides financial support in the event of bereavement during travel. It gives subscribers the option to facilitate transportation and burial needs that would otherwise create strain for friends and family who bear the responsibility of organizing funeral arrangements. As is the case with personal effects coverage, it’s important to confirm whether there’s any overlap between accidental death policies and any life insurance policy you may currently have.

Travel insurance varies based on the intended destination and duration of travel. Nonetheless, the more elaborate the trip, the more important it is to protect oneself from the possibility of suffering preventable financial losses. For more information, visit any of our offices or give us a call at 1-800-639-7654 to find out how Adriana’s Insurance Services can help you secure comprehensive coverage that caters to your unique needs.

Adriana’s Insurance | May 9, 2017 at 11:10 am | URL: http://wp.me/p6wQuY-1jM