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Why do I need legal expenses cover on my car insurance?

Advantages of car insurance legal expenses cover

Disadvantages of legal expenses cover

Including legal cover in your insurance policy

Sumber: Gempak

Car expenses rank second only to housing costs for many Americans. A family with two cars to insure and pay off could easily spend $1,000 or more per month to drive.
But automotive expenses can often be trimmed. You could find significant savings by shopping for better rates on what could be the biggest items in your auto budget: monthly loan payments and insurance premiums.
Rather than simply pinching pennies on gas, taking a few hours to lower these bills can feel much like getting a raise, delivering free money you can count on every month.

Refinance your auto loan

If you didn’t know your credit score or shop around for a loan when you bought your car, it’s hard to know whether you got the best possible rate.
Dealerships — where most people finance their cars — may offer very low-interest financing. But sometimes the rate you get isn’t the lowest you could have qualified for. “Most people have no idea” when it happens to them, says Delvin Davis, senior research analyst at the Center for Responsible Lending.
To see if you can reduce your interest rate and monthly payment, you can apply to refinance your auto loan, meaning you pay off your current loan with a new one from a different lender. This can really save you money if:

• You originally agreed to a higher interest rate than you needed to, or
• Your credit has improved and you qualify for a lower interest rate

Lenders have varying credit and vehicle requirements, so compare multiple offers to find the best rate and terms. Just be sure to apply to all lenders within 14 days to minimize the impact on your credit score when lenders perform a credit inquiry. Multiple inquiries for the same type of loan within a short period are typically treated as one, but it’s smart to check your report afterward to confirm this is the case.
All this might be easier than it sounds. You can check your credit, compare rates, estimate savings and apply online. Check with your current bank or credit union, too. It may offer the best deal because it already has a relationship with you, Davis says.
But be careful: If you can lower your payment only by extending the length of your new loan, you’ll pay more interest overall, making your car more expensive. It also puts you at risk of owing more than your car is worth. Take a longer loan term only if you’re struggling to make payments and need to avoid defaulting to preserve your credit score, Davis advises.
And if you really can’t afford your monthly payment but still need a car, consider downsizing to a less expensive one.

Shop car insurance rates

There’s just one way to make sure you have the cheapest car insurance possible: Compare quotes. You can do this online with a comparison tool, by calling companies for quotes or by visiting an insurance agent. If you work with an agent, keep in mind there are two types:

• Independent agents, who can show you quotes from several insurers
• Captive agents, who sell insurance from only one company

Car insurance pricing depends on dozens of factors, including your driving history, ZIP code and even your previous insurer. “Each insurance company values different things when setting rates,” says Janet Ruiz, a spokesperson for the Insurance Information Institute. That’s why shopping around is essential to getting the most competitive rate for your current situation.
For example, after an accident one insurer may raise your premium 25%, while another would raise it by 50% — a price that can last three to five years. And in many states, bad credit can impact your rate even more than causing an accident, according to NerdWallet analysis.
If you drive very little and don’t mind having your driving tracked, you might find greater savings with per-mile insurance from companies like Metromile, Esurance or Milewise from Allstate.

Other ways to lower your premium

If you’re already paying less for car insurance than the quotes you find — maybe you’re bundling home and auto insurance — there are other ways to lower your premium:

• Raise deductibles on comprehensive and collision coverages. If your car’s stolen, totaled or damaged by someone else, you’ll pay more out of pocket with a higher deductible, but your premiums would be lower.
• Drop collision and comprehensive on paid-for older cars. Without a loan to cover, there’s no need to pay hundreds per year when you’ll get only a couple thousand bucks back — minus the deductible — if your car is totaled.

Get every discount you can. Check your insurer’s website for available discounts, and confirm with your policy, agent or service representative that all are applied.

Getting the best car insurance deals for your car

The best car insurance offers for your age

The best car insurance deals – no claims bonus

The best car insurance offers if you have multiple cars

Make your car more secure

Most of us need car insurance, yet few of us fully understand it.
Dozens of car insurance companies, including large players and regional insurers, are vying for your business. Many offer an eye-glazing assortment of policy options, making it hard to compare policies and figure out what’s the best and cheapest car insurance.
Here are eight things you can do to ensure you get good coverage at the best possible rate.

1. Don’t assume any one company is the cheapest

Some companies spend a lot of money on commercials that try to convince you they offer the lowest car insurance rates. But prices that different people pay for the same coverage by the same company can vary widely. No single insurer can claim to be the low-price leader for everyone. The insurance company that’s cheapest for one person in one place might be the most expensive option for a driver in another state.

The only way to ensure you’re getting the best deal is to shop around.

The only way to ensure you’re getting the best deal is to shop around.
There are some savings at stake: A NerdWallet analysis found that good drivers could be missing out on $416 a year on average by not comparing insurance prices.
Our study also found that 38% of Americans who have car insurance haven’t compared insurance costs in at least three years, if ever.
» COMPARE: NerdWallet’s car insurance comparison tool

2. Don’t ignore local and regional insurers

Just four companies control nearly half the nation’s auto insurance business: Allstate, Geico, Progressive and State Farm. But smaller, regional insurers such as Auto-Owners Insurance and Erie Insurance often have higher customer satisfaction ratings than the big names — and they may have lower rates, too.
» MORE: The best car insurance companies

3. Check for discounts

Insurers provide a variety of discounts, including price breaks for customers who:

• Bundle car insurance with other policies, such as homeowners insurance
• Insure multiple cars with one policy
• Have a clean driving record
• Pay their entire annual or six-month premium at once
• Agree to receive documents online
• Own a car with certain anti-theft or safety features
• Are members of particular professional organizations or affiliate groups

Don’t be swayed, however, by a long list of possible discounts. Compare your final prices from multiple insurers.

4. Pay your bills on time

Your credit score is a significant factor in the car insurance quotes you receive — except in California, Hawaii and Massachusetts, which don’t allow insurers to consider credit when setting rates. Insurance companies say customers’ credit has been shown to correlate with their chances of filing claims.
A NerdWallet analysis found that having poor credit can boost people’s car insurance rates by hundreds of dollars a year compared with having good credit.
Improve your credit — and get cheaper insurance — by paying your bills on time and reducing your debt. Track your progress by checking your credit score regularly.

5. Consider insurance costs when buying a car

You probably already pay attention to factors such as fuel efficiency and repair costs when picking a car to buy, but you should also consider insurance premiums. A NerdWallet analysis of the cheapest cars to insure among top-selling vehicles found the lowest rates are for the Honda CR-V, Subaru Outback and Jeep Cherokee.

6. Skip collision and comprehensive coverage for an older car

Collision coverage pays to repair the damage your vehicle after an accident with another car or an object such as a fence. Comprehensive coverage pays to repair vehicle damage from weather, animal crashes, floods, fire and vandalism. It also covers car theft. But the maximum payout under either policy is limited by the value of the car if it’s totaled or stolen. If your car is older and has a low market value, it may not make sense to shell out for these types of coverage.
» MORE: Understanding collision and comprehensive insurance

7. Consider raising your deductible

If you buy comprehensive and collision coverage, you can save money by opting for higher deductibles. (There is no deductible on liability insurance, which pays for the damage you cause others in an accident.)

8. Consider usage-based or pay-per-mile insurance

If you’re a safe driver who doesn’t log many miles, consider a usage-based insurance program such as Allstate’s Drivewise, Progressive’s Snapshot or State Farm’s Drive Safe & Save. By signing up for these programs, you let your insurer track your driving in exchange for possible discounts based on how much you drive, when you drive and how well you drive.
If you drive less than 10,000 miles a year, you might be able to save money with a mileage-based insurance program such as Metromile or Esurance Pay Per Mile. Metromile is available in seven states; Esurance Pay Per Mile is available in Oregon.


Source: Nerdwallet

BUKIT MERTAJAM - Majikan yang menyiksa Adelina Sau, Tenaga Kerja Indonesia ( TKI) yang tewas di Malaysia, terancam mendapat hukuman sangat berat.

Hal itu terungkap ketika S Ambika menjalani persidangan di Pengadilan Bukit Mertajam Rabu (21/2/2018).

Diwartakan The Star Online, Hakim Muhamad Anas Mahadzir membacakan dakwaan kepada perempuan 59 tahun tersebut.

Ambika didakwa telah menyiksa Adelina, TKI asal Nusa Tenggara Timur (NTT) sehingga dia meninggal 11 Februari lalu.

Ambika dianggap melanggar Pasal 302 Hukum Pidana dengan ancaman maksimal vonis mati jika terbukti bersalah.

Adapun Bernama via The Malay Mail Online melansir, Ambika datang ke ruang sidang tanpa diwakili oleh kuasa hukumnya.

Adelina Lisao tidur di beranda rumah di Taman Kota Permai, Penang, Malaysia, ketika ditemukan Sabtu (10/2/2018). TKI asal Nusa Tenggara Timur itu ditemukan dengan berbagai luka di wajah dan kepala. Perempuan 21 tahun itu meninggal dunia sehari berselang (11/2/2018). (Steven Sim/The Malay Online)

"Terdakwa tidak mengucapkan sepatah kata pun untuk membela dirinya," ujar Malay Mail dalam reportasenya.
Sementara anak Ambika, R Jayavartiny, didakwa telah mempekerjakan imigran ilegal sejak Maret 2017 hingga 10 Februari 2018.
Perempuan 32 tahun tersebut dianggap melakukan pelanggaran terhadap Pasal 55 B ayat 1 Hukum Imigrasi.

Jika terbukti bersalah, Jayavartiny bakal dihukum selama satu tahun, dan denda maksimum 50.000 ringgit, atau sekitar Rp 173 juta.

Jayavartiny langsung membantah tuduhan tersebut. Meski, dia mengaku kalau mengetahui bahwa Adelina datang tanpa izin resmi. Pengadilan lanjutan dilaporkan bakal digelar 19 April mendatang dengan agenda laporan hasil laboratorium, forensik, dan post-mortem. Sebelumnya, sehari sebelum meninggal (10/2/2018), Adelina tampak terlalu takut untuk merespons kehadiran tim penyelamat yang berupaya mengevakuasinya. Dia hanya melirik dan menggelengkan kepala.

Sementara anjing jenis Rottweiler berwarna hitam yang terikat tali dan berada di sampingnya terus menyalak kepada petugas.

Tetangga rumah tersebut mengklaim perempuan asal Nusa Tenggara Timur (NTT) itu tidur dengan seekor anjing di beranda rumah selama sebulan terakhir, sebelum ditemukan pada Sabtu.
Menurut keterangan dokter, Adelina menderita memar di kepala dan wajahnya. Dia juga menderita kegagalan multi organ sekundar akibat anemia.

Artinya, organ tubuhnya gagal bekerja karena kekurangan darah di tubuhnya. Adelina meninggal di rumah sakit pada Minggu (11/2/2018).

Ambika dan Jayavartiny langsung ditangkap kepolisian Penang sehari setelah Adelina tewas (12/2/2018).

Berita Ini Sudah Dipublikasikan di Kompas.com, dengan judul: Majikan TKI Adelina Terancam Hukuman Mati

 Sumber: Tribunnews






 How to get cheap insurance for young drivers

Our guide on how to get cheap insurance for young drivers can help you find the best cover.

Young drivers in the UK are statistically more likely to have an accident and make a claim. This has the knock-on effect of sending their car insurance costs sky high.

Getting the best cheap car insurance for young drivers can feel like an impossible task, but there’s plenty you can do to help keep costs down. From picking the right car to increasing your excess, our tips go back to basics so that you can consider a wide range of insurers, not just those that offer telematics or pay-as-you drive insurance.

Read our nine top tips to help you find cheapest car insurance for young drivers.

1. Pick one of the cheapest cars to insure for young drivers

When looking for your first car, the cost of car insurance is often a big factor in the buying process. All cars on the market belong to one of 50 different car insurance groups — the cheapest cars to insure for new drivers can be found in groups one to five. This is particularly important for young male or female drivers with fast cars, which are typically more expensive.

2. Steer clear of car modifications

Car modifications, such as alloy wheels and body kits, often appeal to young drivers wanting to personalise simple-looking hatchbacks or medium-sized cars. However, avoid them if you want the best insurance for young drivers — modifications are known to increase premiums by hundreds of pounds. Again, this is the sort of thing that young drivers with fast cars, or those who want a fast car, should be aware of.
If you are absolutely determined to modify your car, consider if you would be happy to replace the modified parts with cheaper ones, otherwise the costs of the premiums could be much higher.

3. Consider a black box policy

Black box policies (also known as telematics) use an app or a small device installed in the car to monitor usage and driving behaviour. These types of policy can help to cut the cost of car insurance for young drivers as insurers are able to base premiums on actual driving behaviour rather than assuming every young driver is at risk of making a claim.
If there ever was a way to get the cheapest insurance for young drivers, then black box insurance is top of the list. In fact, drivers aged 17-21 with zero no claims could save an average of £1,282 by choosing black box insurance over a standard policy (based on quotes generated by uSwitch between November 2016 and January 2017).

4. Pay per year, not per month

With the average car insurance premium for young drivers into the thousands of pounds, it can be tempting to stagger payments rather than shelling out for the cover all in one go. It’s usually much cheaper to pay for the whole year in advance rather than paying monthly, if you can afford to. You’ll avoid the monthly interest charges and could save a substantial amount.

5. Consider increasing your excess

Choosing to pay a higher voluntary excess on top of the compulsory excess you’re quoted — the amount you’d have to pay up front if you made a claim — can significantly reduce the cost of your car insurance. However, make sure you’re able to afford to pay the excess if you do have an accident — young drivers with little money could struggle to stump up £500 or more after a crash. Furthermore, statistically speaking, young drivers are more likely to make a claim within the first year of driving, so beware that you could end up forking out the higher voluntary excess early on.

6. Think about the level of cover you need

Comprehensive car cover is normally the most expensive type of car insurance — it covers both your car and other vehicles if you have an accident. Third-party cover — the most basic level of cover — covers claims against you if you’re involved in an accident and injure someone. It also covers the cost of repairing or replacing the other person’s car, but not your own. Assess how often you plan to drive, what you can afford to cover, and what type of superficial car damage you might be prepared to live with. Learn more with our guide on the different types of car insurance.

7. …but don’t assume third-party is the best insurance for young drivers

It pays to compare quotes with different levels of cover before you buy. According to the Association of British Insurers, the average third-party, fire and theft premium is more expensive than comprehensive cover because it’s often chosen by younger drivers with a tendency to make larger claims. Bear this in mind before you compare car insurance for young drivers. Also, don’t search for cheap car insurance for the price alone. You still need to assess what type of cover it is you need. Sacrificing quality of cover over the price could end up costing you more in the long term.

8. Add a named driver, but beware of ‘fronting’

You can reduce car insurance costs by adding an extra named driver to the insurance policy – especially if they’re older and more experienced on the road, regardless of whether they are male or female, although you should avoid those with points. Putting the policy in a parent’s name, with the young driver as a named driver when they’re actually the main driver – known as ‘fronting’ – is illegal and can result in insurers rejecting claims.

9. Increase security and limit risk

Adding extra car security features, such as an alarm or immobiliser, can often help you get cheaper cover. Car insurance can be cheaper still if you park your car in a garage or driveway overnight rather than leaving it on the street as insurers see this as a further way of minimising risk.



Referenstion: Usswitch