If you drive like this then you need auto insurance urgently

In this video we bring some more examples of how not to drive your car, if you drive so do your auto insurance or urgently need a traffic attorney, I hope you do not drive drunk because these people there seem to be well drunk on the wheel

Fails cars insurance scams

Some people don't intelligents trying to take the insurance but failed, some cases are hilarious

Kentucky Driving Law

Suspension and Revocation of License

In accordance with Kentucky driving law, your license may be Suspended or Revoked for any of the following violations of Kentucky traffic laws:

• Driving under the influence of alcohol or other substances (DUI).
• Manslaughter resulting from the operation of a motor vehicle.
• Perjury or false affidavit to the Transportation Cabinet.
• Felony involving use of a motor vehicle.
• Reckless driving with three convictions within twelve months.
• Leaving the scene of an accident, failure to stop and disclose identity.
• Theft of a motor vehicle or any part thereof.
• Failure to maintain Liability Insurance.
• Failure to satisfy a Citation or Court Summons.
• Failure to enroll in or complete State Traffic School upon sentence by the Court.
• Failure to complete a Graduated Licensing course for newly-licensed drivers 16 and 17 years of age.

Any person failing to satisfy a judgment rendered against him for damages resulting from the operation of a motor vehicle within 60 days from the date of said judgment will have his driving privilege suspended by the Transportation Cabinet.

The suspension will remain in effect until 15 years have elapsed, or until the judgment has been satisfied. Upon satisfaction, a court-attested copy of the satisfaction is to be sent to the Cabinet, and the necessary reinstatement procedures must be followed.

The Kentucky Driving Law Point System

The purpose of the point system is to identify and assist those drivers who need improvement before it becomes necessary to suspend their driving privilege in accordance with Kentucky driving law. It serves to protect the safe and sensible drivers and correct those who are reckless and irresponsible.

Under the Kentucky traffic laws point system, the Transportation Cabinet, Division of Driver Licensing, keeps a record of all moving traffic violations on each driver. These records are based on reports of traffic convictions, forfeiture of bail, or payment of fine, with or without court appearances, which are forwarded to the Division of Driver Licensing by the courts throughout the United States.

Assignment of point value to various offenses of Kentucky driving law is made to impress upon drivers that their records are being watched, and unless they comply with Kentucky traffic laws, they may develop a bad driving record, leading to the suspension of their license.

Under Kentucky driving law, any driver accumulating as many as six (6) points may receive a form letter from the Division of Driver Licensing advising him that immediate action should be taken to improve his driving.

The driver may be required to appear for an interview with a representative of the Cabinet to determine his real driving problems.

At this interview, the Transportation Cabinet representative attempts to determine if participation in a State Traffic School program would benefit the driver. In accordance with Kentucky traffic laws, if he fails to appear for the interview, his driving privilege shall be suspended for a period of six (6) months.

Violations of Kentucky Driving Law and Their Point Values

In accordance with Kentucky driving law, conviction for one of the following serious violations of Kentucky traffic laws may result in suspension of the driving privilege for the period of time indicated:

1. Racing 90 Days
2. Speeding 26 MPH or more over speed limit 90 Days
3. Attempting to elude law enforcement officer by use of motor vehicle 90 Days

Under Kentucky driving law, conviction for any one of the following motor traffic offenses shall be cause for assessment of the points indicated:

Violation Type - Points

• Speeding 15 MPH or less over the limit - 3
• Speeding 1-10 MPH over the limit on limited access highway - 0/Fine if Convicted
• Speeding 11-15 MPH over the limit on limited access highway - 3
• Speeding 15 MPH or over the limit on limited access highway in a commercial motor vehicle - 3
• Speeding 16 MPH or more, but less than 26 MPH, over the limit - 6
• Failure to stop for church or school bus - 6
• Improper passing - 5
• Reckless driving - 4
• Driving on wrong side of road - 4
• Following too closely - 4
• Failure to yield to emergency vehicle - 4
• Changing drivers in a moving vehicle - 4
• Vehicle not under control - 4
• Stop violation (electrical signal, railroad crossing, stop sign) - 3
• Failure to yield - 3
• Failure to obey a traffic control device - 3
• Wrong way on one-way street - 3
• Too fast for conditions - 3
• Too slow for conditions - 3
• Improper start - 3
• Improper driving - 3
• Careless driving - 3
• Failure to yield left lane - 3
• Improper lane usage - 3
• Improper use of left lane on limited access highway - 3
• Failure to illuminate headlights - 3
• Failure to dim headlights - 3
• Any other moving hazardous violations - 3
• Commission of a moving hazardous violation which involves an accident - 6
• Combination of two or more hazardous violations in any one occurrence - 6

Points assessed under the Kentucky Point System expire two (2) years from the date of conviction. However, under Kentucky driving law the conviction remains part of the driver's record for a period of five (5) years for an operator's license and ten (10) years for a commercial driver's license.

Accumulation of Points

Under Kentucky driving law, if a person of eighteen or more years accumulates six or more points within a two-year period, the Transportation Cabinet may send a letter that shall advise him of the number of penalty points on his driving history record, and shall inform him of the penalties which may be imposed if he were to accumulate twelve points within two years.

Under Kentucky driving law, if a person under the age of eighteen accumulates four or more points within a two-year period, the Transportation Cabinet may send a letter that shall advise him of the number of penalty points on his driving history record, and shall inform him of the penalties which may be imposed if he were to accumulate more than six prior to his eighteenth birthday.

Under Kentucky driving law, if a person of eighteen or more years accumulates twelve points within a period of two years, or a person less than eighteen accumulates more than six points in a period of two years, the Cabinet may suspend the driving privilege for a period of six months for the first accumulation of points, one year for the second accumulation of points, and two years for any subsequent accumulation of points within a two-year period.

Second and Subsequent Suspension

For any offense of Kentucky driving law for which the suspension of the driving privilege is six months or less for the first offense, the second conviction of a similar offense shall result in a suspension period of not less than one year, and any subsequent conviction for any similar offense not less than two years.

In accordance with Kentucky driving law, if the Cabinet suspends the driving privilege of a person more than one (1) time, the suspension times shall run consecutively.

After a hearing, under Kentucky driving law the department may require the driver to be placed on "probation" in lieu of suspension and attend a driver improvement clinic (State Traffic School) approved by the Transportation Cabinet.

Under Kentucky driving law, once a driver has been placed on "probation" by the Cabinet, he shall not be considered for probation again until a lapse of two (2) years from the ending date of any previous probation period granted, whether served or not.

Other Violations of Kentucky Traffic Laws Which Could Result in Your Driving Privilege Being Suspended or Revoked

Violation Type - Action

• False Application Suspension - 6 months
• Racing A Motor Vehicle Upon A Public Highway - Possible 90 Day Suspension
• Attempting To Elude Police Officer Possible - 90 Day Suspension
• Leaving the Scene of an Accident, Failure to Stop And Disclose Your Identity and/or Failure to Stop and Render Aid Suspension - 6 months
• Failure to Appear Pursuant to a Citation or Summons Issued by a Law Enforcement Officer of this Commonwealth or Any Other Jurisdiction - Indefinite Suspension
• Failure to Maintain Liability Insurance - $500 Fine or (1st offense) 10-90 Days in Jail No Suspension Notation on Driving Record
• Failure to Maintain Liability Insurance - $1,000 Fine or (2nd offense) 90 Days in Jail Plus 1 Year Suspension
• Failure to Enroll or Complete State Training School - Indefinite Suspension
• Failure to Pay Child Support - Indefinite Suspension

Lemon law

Lemon laws are American state laws that provide a remedy for purchasers of cars and other consumer goods in order to compensate for products that repeatedly fail to meet standards of quality and performance. Although there may be defective products of all sorts ranging from small electrical appliances to huge pieces of machinery, and there is even a "puppy lemon law", the term "lemon" is generally thought of as applying to defective vehicles such as automobiles, trucks, SUVs, and motorcycles.
These vehicles and other goods are called "lemons". The federal lemon law (the Magnuson–Moss Warranty Act) was enacted in 1975 and protects citizens of all states. State lemon laws vary by state and may not necessarily cover used or leased cars, and other goods. The rights afforded to consumers by lemon laws may exceed the warranties expressed in purchase contracts. Lemon law is the common nickname for these laws, but each state has different names for the laws and acts.
There are two types of warranties. Express warranties are usually statements in writing such as those provided by the manufacturers in owner's manuals and other written sales or advertising materials, or by a sample or model. Implied warranties are broader in scope and assure consumers that the retail product would meet certain minimum standards of quality whereby the product is fit for use for the purpose intended. In each type the manufacturer assumes the liability and responsibility to correct the defect or to repurchase or replace the product.
Federal lemon laws cover anything mechanical. The federal lemon law also provides that the warranter may be obligated to pay the prevailing party's attorney in a successful lemon law suit, as do most state lemon laws.

From:wikipedia.com

How car insurance works in the United States

If you have own car, you probably know a little about insurance. You've probably heard about or franchise award, but really understand the different parts of an auto insurance policy? Know how to choose the best coverage?
47 states require that you have at least some type of car insurance, then it is a good idea to know what the law requires and what additional or optional coverage that will best protect you in an accident.
Before purchasing an auto insurance you should consider a number of factors, including the type of car you own, your driving record and the amount you want to pay. By understanding the basics of auto insurance you can be sure that the policy you choose will take care of your needs in case of an accident.
In this paper the types of coverage, which insurance companies offer, and even the possible insurance needs will be presented. Also, check what affects the price of car insurance, how to decrease costs and understand the components of your policy.
Types of cover
All those who drive must have car insurance. In many states, this is required by law. When you purchase insurance, is acquiring what we call "policy". Your policy is based on a variety of factors, including the type of car you drive and the type of insurance you want. The car insurance policies are actually packages of different types of insurance coverage.
The first step in understanding an insurance policy is to understand the various types of coverage that insurance companies offer. Some of this coverage may be required by your state and others may be optional.
Liability: This coverage pays for personal injury and property damage to third parties. Personal damages include medical expenses, pain, suffering and unearned wages. The damage includes damaged property and automobiles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always get more coverage than your state requires.
Collision: This coverage pays for damage to your vehicle when there is collision with another vehicle or object.
Full insurance: This coverage pays for loss or damage to the insured vehicle that have not been incurred in an automobile accident. The types of damages that the insurance covers include the total losses caused by fire, wind, hail, flood, vandalism or theft.
Medical Coverage: pays for medical expenses regardless of who was at fault when they are caused by an automobile accident.
PAP: Personal Accident Protection (PAP) is required in some states. This coverage pays medical expenses to the insured driver, regardless of who was at fault, for treatment caused by car accident.
Uninsured Motorist: pay the damage to your car when an auto accident is caused by a driver who has no liability insurance.
Underinsured motorist: pay the damage to your car when an auto accident is caused by a driver who has insufficient liability insurance.
Refund of rent: this type of coverage will pay a rental car if your car was damaged due to an accident. Typically, this coverage has a daily allowance for the rental car.
Many insurance policies combine several of these types of coverage. The first step in choosing the insurance you want for your car is to know the laws of your state. With this, you know what the minimum insurance you need. Good to know that even if your state does not require a large insurance, extra coverage may offset the expense. After all, nobody wants to be caught out with bills of thousands of dollars due to a car accident.
So we'll see how to determine your insurance needs.
Knowing your needs
The fact that your state require a minimum amount of insurance does not mean you have to purchase insurance at this exact value. In fact, many drivers get more coverage than are required to be insured against various problems, and not just a little bump against. To determine what your insurance needs, consider the following five procedures.
Know the laws of your state
Remember that 47 states require you to purchase liability insurance. The liability insurance is the one that pays for personal injury and property damage that you may cause to another driver. Fifteen states, including Florida, Maryland, Michigan, Massachusetts, New York and New Jersey also require you to purchase Personal Accident Protection (PAP). This coverage pays your medical expenses and wages that failed to be received because of an automobile accident. The minimum amount to be insured will likely be determined by state law, but many people are encouraged to acquire a value greater than the minimum required.
Know Your Options
There are many car insurance options, but knowing what you need is the key point to make sure you are adequately covered. You want coverage that provides a rental car if your car is broken? Want a full guarantee to pay the parts and hand labor if your car sustains damage? If your car is leased, you will probably need insurance to pay the difference between what your insurer and pay what you owe rent if the car is completely destroyed.
Know how much you can spend
If you know the laws of your state, and analyzed their personal needs, then you can already join the different parts of car insurance coverage in a single policy. The first part of the policy is almost always liability insurance. If you only have a minimum liability coverage and injure someone, the lawyer of the person who was hurt can go after your personal assets. So you need to evaluate your property and knowing what you can lose in the event of an accident. Many insurers feel that minimum liability is a gamble. In fact, this is why it is often a slightly larger amount for more protection. After all, if you get involved in an accident, it's much better for the insurance company to take responsibility of what you be blamed. Remember to evaluate all possibilities such as: if I destroy someone's car, will my insurance cover? How much will I have to pay out of my own pocket? The answer to this type of question will determine what coverage will make you feel more confident should an accident occur.
Know your car
If your car was destroyed, you would afford to replace it? If not, you will want full coverage against collisions. The decision to purchase this coverage is usually based on the value of your car. The procedures usually suggest that if the value of your car is less than $ 2000, not worth buying full coverage against collisions. If you are a car owner $ 50 thousand, certainly worth the worth paying an extra $ 200 annually or ensure that the car will be replaced if you engage in a serious accident.
Know about your other insurance
Many people do not realize that other types of insurance, including health insurance and residential, can pay for damages relating to an automobile accident. For example, if you have a full health coverage probably will not need more than the Personal Accident Protection (PAP) minimum required. Make sure the insurance coverage you already have not to purchase unnecessary coverage.
The best way to buy insurance that fits your needs is to examine potential policies and know how much you want to bet. For example, it may not be useful to acquire collision insurance if your car is not really worthwhile - would cost less to repair it than to keep it insured. Car insurance is simply how much you want to pay out of your own pocket in relation to how much you want the insurance cover. Decided this, you will already be routed to purchase your car insurance policy.

From: http://www.hsw.uol.com.br/