POST DATE October 26, 2012 – Do you have a cancelled car insurance policy in Ohio?  Having a cancelled car insurance policy in Ohio does not only expose yourself to more risk, you are exposing others to the same.  Despite there are more cancelled car insurance policies in Ohio this year than any other,  statistics show that more and more Ohio drivers have been uninsured  since 2010. The Department of Transportation in the Buckeye State were able to identify that  one out of every eight licensed drivers in was driving with a cancelled car insurance policy in Ohio.  In addition,  more at fault car accidents involved an uninsured drivers.  In 2010, the State Highway Patrol have complied statistics that showed that there nearly 9000 crashes that involved a driver with a cancelled car insurance policy in Ohio.

Cancelled Car Insurance Policy In Ohio?

There has been an auto insurance requirement for a registered automobile in Ohio for 60 years.  The Buckeye State’s first law hit the books in the 1950’s.  In 1953, the state of Ohio required drivers to have an auto insurance policy that provided coverage on property damages and bodily injuries.  Even once the law was enacted; more drivers with a cancelled car insurance policy continued.

Not having an auto insurance policy can get you in a boat load of trouble when law enforcement discovers your driving with a cancelled car insurance policy in Ohio. The state has been exerting it’s muscle to enforce the mandatory auto insurance law.  If you find yourself in the situation where you have a cancelled car insurance policy in Ohio, we can help you immediately.  One call to my representatives at (800) 807-0762 will provide you with quotes from the lowest priced auto insurance carriers in the state of Ohio. We have many Ohio Auto Insurance Products with prices as low as a dollar a day. There’s no reason you need to drive in fear.  Call us and let us help.

-Mike

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

POST DATE October 26, 2012 –  As we all know from history and experience, cheap NJ car insurance rates are hard to find in the Garden State. Although I am very proud of our track record of offering a much lower auto insurance rates, not all agents can offer the same.  New Jersey  State Senator Christopher “Kip” Bateman is proposing a cheap NJ car insurance amendment to the state’s driving statute.  The law would give New Jersey Drivers a chance for their cheap NJ car Insurance rates to increase due to their driving history.

New cheap NJ car insurance bill submitted to state congress

Senator Bateman’s proposed bill calls for New Jersey’s drivers to pay higher fees who incur traffic infractions.  This is in lew of earning additional points on their driver’s license which would raise the cost of his/her cheap NJ car insurance rates.  The new law would provide NJ vehicle owners to receive points forgiveness on their driver’s license every few years.  The said forgiveness points will have car owners maintain a cheap NJ Car Insurance rates.  Personally; it seems to me this is merely a trade-off.  If you are involved in an at fault accident and a ticket at the same time, the driver will end up paying much more.  Presently, if you have an At Fault Accident and are also charged with a speeding offense, the your cheap NJ Car Insurance Company will only surcharge you for the accident.  The new bill will also have you paying another surcharge in tandem.  This proposal is not new in the Garden State. Bateman originally proposed this in 2008 and the bill was able to pass unanimously at the Senate on May 2009. However, Bateman’s  bill then died due inaction of the Assembly.

If you are having current problems with you auto insurance rates in the state of New Jersey, give us a call. We have many Cheap New Jersey Car Insurance Companies which can help you and your family.

-Mike 

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

POST DATE October 25, 2012 – Many voters across the United States last night watched the 3rd and last  2012 Presidential Debate in Florida.  One of the subjects which was front and center for President Obama and Governor Romney was the subject of China and their unfair trade practices.  Beyond massive money manipulation which is a huge part of our China trade problems; Counterfeit  products including Auto Parts are flooding the US Market.   These fake auto parts, including Counterfeit Auto Bags are tremendously profitable and those paying Oregon Auto Insurance Rates are making that even more possible.  Although these counterfeit airbags may save you some money on your Oregon Auto Insurance Rates;  having installed the wrong airbags such as those counterfeits may put your life in peril.

Oregon Auto Insurance Rates Subsidies Counterfeit Auto Parts

Oregon auto insurance rates are paying  thousands of vehicles on their roads and highways that have airbags and dangerous counterfeited auto parts. The risks of having counterfeited auto parts replaced in your car over the last three years is higher than any other time in history.  Your legitimate auto repair shop may not even know they are installing fake parts. If your auto insurance carrier is paying for the repair, your Oregon auto insurance rates are paying for the replacement being performed by national auto repair shops and your vehicle dealership.  Luckily;  there have been no injuries or deaths attributed to counterfeited auto parts including airbags.  It’s not clear if law enforcement is looking into car accidents and if the auto parts are counterfeit.  Statistics show air bags do not save many lives  per year.  Regardless of severity;  around 1.5 million airbags were deployed in tow-away crashes last year.  Counterfeit auto parts always present themselves as genuine. They appear as manufactured by the automakers or as major auto equipment manufacture to fool those purchasing those products.  Hopefully over the next 4 years, either administration will do their best to slow the pace of Oregon auto insurance rates subsidizing counterfeit auto parts.

-Mike

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

POST DATE October 24, 2012 – Close to 320,000 households in the State of New Jersey are living at or below the poverty line last year.  There are another nearly 830,000 households are lower-income residents who have found it almost impossible to afford food, housing, transportation, health care, child care, and their New Jersey Car Insurance policies. Sadly, these needs costs much more than they did in 2011. Many lower-income New Jersey residents are being beat up by this current recession.  Where higher prices just inconvenience higher income families,  the higher cost of consumer products on lower-income families cause them to struggling to survive economically. Inflation alone can eat all up of a household’s budget. Over this last year, we have had more lower income families buy their New Jersey Car Insurance from us than any other year.  Where they found it impossible to continue payments with their previous New Jersey car insurance company – or New Jersey Car Insurance Rates and monthly payments are much lower.

New Jersey Car Insurance is more expensive now than in 2011 

Having financial difficulty is not good for any New Jersey Car Insurance Companies.  Determining the monthly payments they charge their customers do look at the individual’s credit score. Many New Jerseys drivers living in poverty are battling economic survival.  Having a poor credit score with most New Jersey Car Insurance Companies will likely have you paying higher auto insurance premiums.  We can easily eliminate running a credit score if you request.  New Jersey Car insurance policyholders who have a poor credit score since they have a lower chance of maintaining their currently priced policy.

Once item I feel important to point out, we shop your auto insurance policy every renewal regardless of state, record or current rate.  If we can find you a better priced New Jersey car insurance at renewal – we will offer it to you.  If you have been cancelled or having difficulty paying you current policy, give us a call.

-Mike

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

POST DATE October 23, 2012 – Over the part 20 years, I have received thousands of phone calls advising me children of those auto insurance customers have obtained their drivers license.  Since 1992,  both me and my auto insurance agents have advised those parents on youthful driving do’s and don’ts on our part as auto insurance agents. As auto insurance agents are aware all over the United States, youthful operators are at the highest risk of having car insurance accidents then any other driving risk group.

AUTO INSURANCE AGENTS ADVISE OF DO’S AND DON’TS

Auto insurance Agents warn the possibility of 16-17 year old drivers to be involved in fatal crashes is higher when there are other teen passengers in the car. This is compared to the risk of the same youthful driver risk group is they do not carry any youthful passengers. Auto Insurance Agents say the risk will increase to 44 percent when a young driver carries a passenger younger than 21 years with no other older passengers on board. When the youthful operator carries two passengers below 21-year old passengers. Sadly the risk grows dramatically when more kids are in the car.  Both my auto insurance agents and myself have been warning parents for 20 years.  We want to insure our PA and NJ Auto Insurance Customer prohibit their kid from having other kids in the car.  It’s only been just recently efforts to make teen driving more secure have started.  A few years ago lawmakers passed laws that regulate how teenagers shall be able to drive.

The  system to phase responsibility factors into youthful or beginner drivers shall have the privileges of driving. Fatalities involving young drivers will drop significantly. Many young drivers are involved in these accidents. A kid before being allowed to drive legally undergoes 50 hours of supervised driving in which he or she would be taught of the Dos and Don’ts on the road. And after those hours, the typical parents allow those teens to carry loads of their young friends in a car.  We all  realize what can happen when kids are left  alone in you home. Imagine what can happen inside a car? The same things which will happen with an unattended home – but you home is traveling at 50 miles per hour with 6 friends in attendance.  Beyond forbidding your teen driver from having youthful passengers,  you should not permit them to use their cell phones for any purpose – specifically texting.  One of my customer’s kids was recently involved in a very serious auto accident.  After the claimants attorney reviewed the cell phone records, it was discovered the 17 year old was texting his girlfriend within a minute of the accident.  The accident caused a family of 4 to be rushed to the hospital with serious injuries – ONE FATAL!

-Mike

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

POST DATE October 22, 2012 – Once again I present a very silly story.  A story of PA auto insurance fraud charges being brought against PA auto insurance customer. Why Silly? Anytime you attempt PA Auto Insurance Fraud, it’s silly!  Pennsylvania Law Enforcement have filed charges against a woman who was reported to have perpetrated Pa auto insurance fraud after an auto. The Pennsylvania Attorney General’s Office  filed charges against a women on Friday, October 19, 2012. Regina Whitehead a Philadelphia whom maintained a PA auto Insurance Policy was arrested that on the same day the PA Auto Insurance Fraud Charges were brought – although the accident occurred in 2011.  Even sillier,  she perpetrated the crime while riding the ambulance while on the way to the hospital immediately after accident.

PA Auto Insurance Fraud Is Stupid

In the charges, Whitehead called her car insurance company while she was on the way to the hospital.  During the call to her auto insurance agent, she added rental car coverage, comprehensive auto insurance, and collision auto insurance coverage to her auto insurance policy. In the criminal complaint filed against Whitehead in the October 2011 crime, the charges indicated that she did not have collision, comprehensive or any of the other PA auto insurance coverage for her vehicle at the time of the accident. The defendant filed an insurance claim to her PA Auto Insurance Company within in days following the incident but lied where the accident occurred.  She told the PA Auto Insurance Claims Department the accident she was involved in transpired after she had added the insurance coverages.

Currently, the Whitehead is being charged with PA auto insurance fraud and criminal attempt to commit theft by deception. She has already undergone preliminary arraignment in Bensalem Magisterial District.  Whitehead has been released on a $10,000 bail. Whitehead’s case will be prosecuted by Senior Deputy Attorney Robert LaBar of the Attorney General’s Insurance Fraud Section.

-Mike

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

Post Date October 19, 2012 – “Trick-or-treat, smell my feet – give me something good to eat”  Yes; it’s that time again time again. It’s when we send out our little ghosts and goblins for Halloween. As customers stop buy their auto insurance agents office to make their payments, auto insurance agents all over the country are reminding their customers to take particular care while driving this time of year.  Driving when it’s dark is always a little tricky – it’s obviously more risky during Halloween. Children are very unpredictable and have very poor judgement.  You need to watch out for kids running across  streets and roadways.  Many kids wearing costumes with masks can inhibit a child’s ability to see an approaching car.

Auto Insurance Agents Offer Opinion During Halloween

Auto insurance agents are also reminding their Homeowners Insurance Customers about additional perils you need to watch out for. Kids in costumes trick-or-treating,increased neighborhood traffic, candles inside pumpkins, and other Halloween activities  always add an increase in possible claims activity. Many auto insurance agents indicate taking precautionary measures in both your diving and your home to lower the possibility of  injuries and property damages.   If you put yourself in a situation of having to file an auto or homeowners insurance claim, an increase in your rates is certainly.

In some area’s of the country, many kids what is commonly referred to as “Mischief Night”.   This holiday is celebrated the night prior to Halloween, October 30.  Although in most cases no real damage is done, teenagers normally use bars of soap to place innocent messages on car windows and toilet paper to decorate the trees.  Your car insurance agent advises that your home should be well-lit to discourage kids from their activities. A well lit home will encourage kids to move on to an easier target. As we all aware, the 21st Century has brought new challenges to parents watching their younger children. Many more parents are Trick -or-Treating  with their kids. You need to make sure your sidewalks and driveways are in a good repair. You may find yourself in a law suit if a parent or superhero finds themselves tripping and falling on your property.

-Mike

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

POST DATE Wednesday October 18, 2012 – Ohio car insurance policy holders and shoppers alike will have a new concern Ohio’s streets highways.  All over the country drivers are having to contend with a new type policing method being used by law enforcement.  This method has many Cincinnati, Ohio residents angry and annoyed.  Anytime the government uses a “Big Brother” methods to watch over and control our behavior;  is not a method we usually approve of.  At the top of that list is the use of video technology or what commonly called “the camera.  Camera’s have been installed on one Cincinnati, Ohio road in an attempt to help police the area.  Of course this is merely code for generating revenue .  The bottom line is; law enforcement installs camera’s on roadways to record motorists.  There hope is to catch drivers speeding and/or breaking other laws so an expensive ticket can be mailed to their home.  As of one month ago; from one camera installed in one Cincinnati, Ohio street nearly 7000 citations with fines of $105.00 were sent to Ohio Drivers.

Ohio Car Insurance Policy holders are not happy

The problem with this system is the ramifications it has on Ohio Drivers beyond a pricey ticket.  Where many would just pay the fine and move on with their life; what if the camera is not calibrated properly. Thousands of tickets will be issued to those whom are not guilty and those same Ohio car insurance policy holders will see an increase in their Ohio car insurance policy rates.  Without a Police Officer issuing the summon’s, how does one go to court and argue and argue their innocents?

Ohio law enforcement spokesman says “the system is working and unlike that time when the cameras were still newly installed, the number of speeding citations have gone down recently”. “That means fewer people speeding,” Again this is only my opinion, but is it possible the drop in citations is as a result of complaints.  It’s interesting to note;  if not of the two-week trial period for the camera system, the number of speeding tickets issued would be three times the amount. During that trial period, no citations were sent to Ohio Car Insurance Policy holders.

-MIKE

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

POST DATE OCTOBER 15, 2012 – Consumer credit has become a very important discount factor when shopping for the lowest Oregon auto insurance rates. Consumer credit can both help and hurt your chances of securing  you and your family better Oregon auto insurance rates than you currently have. Unfortunately, the economy over the last 4 years has created a poor financial forecast.  Federal Bankruptcy filings in 2011 show the economy has not been good for many Oregon auto insurance buyers.  In 2012, the percentage has improved, although the fact remains that many have filed for bankruptcy.  In 2012, there were over 1,267,167 non-business bankruptcy filings in the entire United States.

This brings us back to our topic:  Oregon Auto Insurance Rates Vs. Consumer Credit

What happens to your Oregon auto insurance rates when you would file a petition for bankruptcy? As you may be aware, when you file for Bankruptcy, you are looking to relieve yourself of an unmanageable debt load. Although getting rid of the debt will help you manage your income; you may find your Oregon auto insurance rates increasing. Many reading my Blog Post today have experienced the situation themselves. Using consumer credit is a responsibility factor used to determine Oregon Auto Insurance rates. If you, your spouse or both have  filed for federal bankruptcy protection – having a bad credit score will be the end result.

I want to stress one issue;\:

JUST BECAUSE YOU HAVE FILED FOR FEDERAL BANKRUPTCY,
DOES NOT MEAN YOUR CAN’T OBTAIN PREFERRED OREGON AUTO INSURANCE RATES

In fact, one call to (800) 807-0762 will provide you with Preferred Oregon auto insurance rates from at least one of the 30 car insurance carriers in our Property & Casualty Insurance Companies.  Many car insurance shoppers need to keep in mind there is many ways to lower your car insurance rates. Shopping your rates for an Apples for Apples comparison is the most important.  After we are able to bear you current rates, we can the discuss changes you want to make to your coverages and limits.

-MIKE

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

Post Date October, 15 2012 – Most of the New Jersey car insurance companies we represent  use non-driving related factors in there overall pricing model to maintain the best NJ Auto Insurance Rates in the state.  When most agencies in the state were still offering PAIP to their customer, we were one one a select few which were offering carriers with the best nj auto rate.  Even though many  of these New Jersey drivers were the recipients of these great monthly payments;  many believe using non-driving related data in offer  in their car insurance rates is unfair.

We represent the one car insurance company with the Best NJ auto insurance rates in the state.

What are some of the non-driving related factors which would contribute to the best NJ auto insurance rates?

1. Educational Level: It’s considered a responsibility factor.  Claim statistics have shown that those with a College Degree have a lower accident rate.

2. Consumer Credit:  Although we never pull a credit report on our customers, some of the carriers with the best NJ auto insurance rates will pull a credit Score.  It’s not your typical credit score.  The score is 1 through 4.  Average, Good,  Better, Best.

Many drivers whom purchase NJ Auto Insurance Insurance say those two factors have nothing to do rating an  auto insurance policy and discriminates against those with lower-incomes and older vehicle owners.  The bottom line is many people say the  most important factor in determining the best NJ auto insurance rates is the number of traffic accidents one driver has.  Well this may be true, but the are many other vital factors besides how many accidents one may have to enjoy the best NJ auto insurance Rates.  Moving violations such as speeding tickets, number of years with a driving license, age of driver, miles driven and location of residence are just as important.

I want to bring up one important item.  We are talking about discounts.  Even if you don’t have good credit or a college degree – you can still easily obtain low auto insurance payments – even the Best NJ Auto Insurance Rates in the State.

-Mike

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206