Life Happens 365 - Are You Managing the Risk?

  By Diane Tait Texting while driving. We’ve either seen someone do it or have done it ourselves from time to time.   While the practice is frowned upon to the point where it’s against the law in all 50 states, this doesn’t stop many motorists from looking away from the road while the car is in motion to send or receive a text.   Instead of harping on the subject, I thought I’d give all my readers a few facts on this all too common and all too dangerous practice.

By Diane Tait If you own or lease a vehicle in the state of Florida, you’re required by law to carry auto insurance.   Get caught without it and you can expect to pay a hefty fine, have your driver’s license suspended and have your vehicle impounded.   Get picked up a second time and you could wind up behind bars.   That’s a pretty hefty penalty for failing to pay the piper.   Even if your current policy was to lapse, you could wind up being fined by both the state and your insurer who’s required to report the lapse.  

By Diane Tait Image courtesy pexels Last week I showed you everything you needed to know about accidents involving parked vehicles.   As with all car crashes, before an insurance company will pay to repair your vehicle or cover the medical expenses of anyone injured, it must determine who’s at fault.   In the case of hitting a parked car, determining who’s the at-fault driver isn’t all that difficult, unless the careless motorist who hit your vehicle flees the scene.   In the case of a crash involving two or more vehicles, it isn’t always so cut and dried when it comes to determining fault, as you will see below.