Auto Accidents Newsletters

Automobile Insurance Premiums

Insurance contracts, at their core, are papers that prove a promise by an insurance company to pay benefits under an insurance policy and the payment of money by an insured for that protection. The money paid by the insured is called a premium. The premium is made up of money paid by the insured to the insurance company to cover the insured risk and the administrative costs. Without the payment of a premium, no contract of insurance exists between the insurance company and the insured.

Liability of Car Distributor/Manufacturer in Automobile Accident Cases

When an automobile accident occurs, there can be many causes. Some causes can make a car distributor or manufacturer liable for the injuries and damages in an automobile accident case. For instance, a manufacturer can be liable for damages caused by its failure to exercise reasonable care in the design of an automobile.

Auto Insurance Coverage for Newly Acquired Vehicles

When a vehicle owner has an automobile insurance policy and acquires a new vehicle, the new vehicle will be automatically covered to the same extent and policy amounts as the insured's other insured vehicles, if the insurance policy has a provision for newly acquired vehicles. A newly acquired vehicle can be a replacement vehicle or an additional vehicle. The term also includes purchased and leased vehicles.

Tort Liability for Highway Design

The system of streets and highways in the United States covers many thousands of miles of road surface constructed of various kinds of materials and designed for a variety of vehicle types and operations. The extensive use of the streets and highways inevitably results in a large number of motor vehicle accidents that annually cause thousands of deaths and personal injuries and extensive amounts of property damage. In the legal actions that follow, it is not surprising that the design and construction of the roadways on which such accidents take place should be brought into a case as possible bases for a finding of liability.

Theft Coverage in Auto Insurance Policies

Motor vehicles are valuable items of personal property that can be readily moved from one place to another if they come into the possession of persons other than their rightful owners or operators. They are highly useful in an intact condition, and they can also be disassembled in order to obtain and sell their component parts. As a result, thefts of cars and trucks occur in large numbers in the United States. Theft coverage in auto insurance policies has been devised as a means of protecting the owners and operators of motor vehicles from the economic losses caused by auto theft.