Washington State Teen Driving Laws: Details You Should Know

 

Washington has a multi-stage licensing process. This is obviously different from what the other states do when issuing the license to teenagers. The teen in Washington should become exposed to different driving situations first so that they can be prepared for more complex situations that may come their way in the future. 

Getting the Driver’s Permit

A teenager cannot get a license immediately. The teen should first get a driver’s permit which means that they are enrolled in a driver’s education class. Those who are allowed to get the permit are those who are 15 1/2 or older. There are some items that the teenager has to prepare before trying to acquire the permit such as the following:

  • Proof of identity and residence
  • $20 to get the permit
  • Parental Authorization Affidavit that is only needed f the teenager is under 18 years of age
  • Signed application from the driving instructor that is handling the driving lessons of the teenager
  • Passing rate in vision screening

There are some teenagers who are unable to get a driver’s permit in Washington because they are unable to pass the vision screening which can test if teenagers are color blind or not.

Those who have this permit will only be allowed to drive provided that there is a licensed driver that is sitting on the front seat. The teenager is also required to do 10 hours of night driving to prepare the teenager for the differences of day and night driving.

Advancing to Intermediate License

If the teenager was able to hold on to the driver’s permit for four months and have shown that they have progressed, they can advance to getting the intermediate license. They would need to take and pass the driving test in order to get this license. Some of the requirements are the following:

  • No allegations of driving under the influence
  • No traffic violations for the last six months of driving
  • Parental Authorization Affidavit once again for those who are under 18 years old.
  • Vision and other tests
  • Social Security Number
  • Proof of identification and residency

Teenagers who get this license will be allowed to drive by themselves but there are still some rules that they have to follow. For example, the teenager will not be allowed to drive from 1 AM to 5 AM. The teenager is also not allowed to drive with a passenger that is under 20 years old during the first six months of driving except for family members.

Finally Getting the Full License

The teenager in Washington will only be allowed to get the full license the moment that he/she reaches the age of 18. This means that the teenager has already been prepared enough for the various situations that may be encountered while on the road. Parents are recommended to help their children become better drivers because they are not the only ones who will get affected if they get into an accident. Other people may become affected as well.

Getting Proper Auto Insurance

It is not recommended for different people to drive without car insurance. Even teenagers will be required to get car insurance but up to a certain age, they may be insured by their parents. Some will look for car insurance for 17 years old. Once they reach a certain age, they will be required to find their very own insurance. It can be daunting to choose the right car insurance especially if it is your first time. You may want to seek the help of your parents but at the same time, you would like to become independent. What do you think are the things that you should do to ensure that you will make the right choice?

  • Always shop around for different car insurance policies that are being offered by various companies in Washington. It is best that you check out the policies that are offered by companies from your very own state because they will have a better idea about the type of insurance that you may need.
  • Do not choose the very first insurance company that offers you insurance. Even if you are still young, and the rates are probably going to be high, you can always compare the different insurance companies first before you make the best choice. You can also ask them about the possible discounts that they may give you.
  • It will help if you would get to know the premium of different vehicles before you purchase your own car. You are probably determined to purchase a certain car but you may become surprised with the premium when you already have it. It helps to know the rates ahead of time so that you will not be shocked with what you will get. Check cheap auto insurance Washington State if you want to have more details.

Even if you already have your very own driving license, do not get too confident when you are on the road. There are still a lot of things that you will learn that you will only learn from experience. Always strive to become a careful driver so that you will not cause any harm to the people that you may encounter while on the road.

If in case you are stopped by police, you will be required to present the requirements that you will be asked to show. You may need to show your ID as well as your proof of insurance. Be cooperative with the law enforcer and remember to be respectful.

 

Why are you spending money for Mortgage Insurance?

 

As agreement lawyers who supply a range of realty and mortgage associated legal services, consisting of property closings and dealing with property disagreements, we understand that numerous customers truly do not comprehend personal mortgage insurance. Referred to as PMI, personal mortgage insurance is to benefit the lending institution, not the debtor– although the customer is spending for it.

We spoke with llc and contracts lawyer Jason McGrath and his firm have actually recommended customers about this in numerous contexts, consisting of when a mortgage insurance provider takes legal action against the debtor to recuperate loan the insurance provider paid pursuant to the policy.

PMI is generally needed if the scenarios consist of a personal mortgage in which less than 20% of the list prices/ assessed worth is put down in advance. From the loan provider perspective, PMI is a great thing– the customer needs to spend for an insurance plan which names the loan provider as the recipient, with the loan provider (or whomever winds up owning the loan) possibly having the ability to make a claim on the policy if the debtor defaults on the loan, which default leads to the loan provider not being repaid completely. If you are having trouble like this with your home contract then we suggest getting in touch with a local business lawyer contract attorney charlotte nc.

In a lot of circumstances, the premium payments the debtor needs to produce personal mortgage insurance are rolled into the debtor’s regular monthly “mortgage payment”. The information relating to the initial PMI arrangement, consisting of the payment quantity, are understood in advance of the property closing. Debtors/ purchasers must be asking concerns about PMI prior to closing as compared to after (although much better to ask later on and understand than to not ask at all).

mcgrath & spielberger, business & contracts law, motivate all of our property customers to be or end up being educated ones, and we help because understanding is power.

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Your Guide To Car Warranties – Purchase And Renew!

Your Guide To Car Warranties – Purchase And Renew!

 

Regardless of the condition of your car, it is a helpful thing to get a car warranty, and in case you already have one, renew it before it expires.

The concept of car warranty, itself, however, is not simple, since there are multiple factors that come into play, which greatly determine the type, size and use of your warranty. Moreover, if you do not see carefully, you may just end up paying more than you need to for your car.

You must also know about the difference between your car warranty and your auto insurance and see to it that they neither overlap nor leave you vulnerable, so that both your car and your finance remain protected.

What is a car warranty?

A car warranty is a legal document from vehicle dealer or manufacturer, which promises to cover all repair and replacement-related costs which may occur during the specified warranty period.

Usually, said repairs include broken, defective, faulty, or recalled auto parts.

That being said, vehicle warranties don’t cover damages occurred due to reasons such as collisions, accidents, negligence, damage from weather, chemicals or fire, and most importantly, theft.

A car warranty is either time-based (like 3 years), or mileage-based (like 36,000 miles). The exact times, however, vary depending on the dealer and/or manufacturer.

How much do car warranties cost?

For both used and new car warranties, you, the owner, are required to pay a flat fee in order to be eligible to repair or replacement costs.

Deductibles on warranties vary depending on the brand and the type of ownership of the vehicle (i.e. if the car is new or if it is certified pre-owned).

What is an extended car warranty?

If the original warranty on your car expires, you have the option to extend the time or mileage in exchange for a fee. This is also sometimes called a service contract, which provides for repairs and maintenance.

Sold by car dealers and manufacturers, as well as independent providers, extended car warranties only go into effect once your original warranty is effectively over.

As with the cost of a car warranty, the cost of the extended warranty will vary on the basis of past repairs and mileage count – those with less of these will be available at a cheaper warranty price. While extended warranties are offered by independent third-parties, these can often get tricky. mainly due to the untrustworthy nature of said companies.

What is a used car warranty?

Car warranties are not exclusive to owners of new cars. Those with used cars can get a certified pre-owned car (CPO) warranty, which will cover their repair costs.

Much like new car warranties, used car warranties have their criteria and limitations as regards the type and length of coverages. Generally, though, their coverages are lesser than of a new car’s, and last between 3 months and 3 years.

What kind of repairs are covered by a car warranty?

When purchasing a warranty for your vehicle, you must be clear with your dealer on the following points:

– The time period of the warranty

– Point-of-contact for servicing

– The kind of repairs and the car parts which are covered

– Any and all conditions as well as limitations within the warranty

How are auto insurance and car warranties different?

While the two may sound similar at first glance, they are two very different legal documents. While car insurances cover all kinds of damages and risks like collisions, accidents, weather and chemical damage and even daily wear-and-tear, car warranties are simple a guarantee on the car’s quality that is made by the manufacturer and/or dealer.

Overall, one can say that a car insurance is more stable and wide-ranging.

Is it possible to lose one’s car warranty?

In a word – yes. Vehicle warranties may be deemed ineffective or void if it is found that your car is not regularly maintained, does not follow protocols, and/or is otherwise neglected by you.

Regular maintenance includes periodic tire rotations, fluid checks, oil changes, and checking of parts like brake pads and belt replacement, among others.

 A few good practices…

As mentioned before, there are ways to make sure that your car warranty remains active and functional. There are also ways (other than maintenance and upkeep) to get the best out of your car warranty.

– Read your warranty carefully: Doing so will allow you to gain knowledge of the details of your coverage, complete with the warranty period, conditions as well as limitations.

– Keep all records: Receipts for even the most minor repairs performed on your vehicle should be kept safe and separate. One great way to do that is to make a file and keep your repair and inspection-related records, regardless of who covers it. Having these receipts will also allow you to prove your innocence in case your dealer or manufacturer accuses you of being negligent and tries to void your warranty.

– Fight for your rights: If you find that your warranty claim has been unfairly declared void, you must speak with a supervisor. You can also try going to another dealer, contacting the manufacturer, filing a complaint with the FTC.

 

Reducing Insurance Coverage On Your Old Car

Reducing Insurance Coverage On Your Old Car

 

If you’re one of those who keeps looking for tips to save on insurance online, chances of you knowing this is very high – if the car you own is an older one, you must have a reduced insurance coverage.

While many people know about this tip (and even follow it if its applicable to them), they are not aware of why and/or how they must reduce their insurance coverage. Which is why we’ve decided to save you the trouble and explain it in a way you can understand and act on!

Getting collision or comprehensive insurance is not a mandatory legal requirement

Generally speaking, “car insurance” is a term that refers to a group of different insurance policies rather than a single one. While it is good practice to have all these policies as a part of your insurance coverage, it is not legally mandatory for you to actually have all of them. The legal minimum in all (bar one i.e. New Hampshire) states in the US is to have a liability insurance at the very least. Without a liability insurance, it is illegal for you to drive at all. Even in New Hampshire, drivers have to prove their ability to have enough funds to cover any damage caused by them.

A relatively cheap insurance, liability insurance protects you against the costs that you would have to pay if inflict any harm on people and/or property while driving. This includes both bodily harm as well as vehicle and property damage.

Ironically, most drivers in the US actually have collision and comprehensive insurance, instead of liability insurance. While collision insurance protects you against damage to your own car if it hits (or is hit by) another, comprehensive insurance protects you against losses that were indirectly caused by your collision, such as property damage, flooding or property etc.

If your vehicle is old, you’re probably paying much more than what is needed

If the vehicle you’re driving is an older one, you’re probably paying way to much for your insurance policy – which is basically pointless! By leaving out comprehensive and collision coverage from your insurance policy (which is not a legal requirement anyway), you will be able to save up hundreds (if not thousands) of dollars.

Saving up on money? Don’t go on that spending spree!

Now that you’ve dropped all those unnecessary coverage, you’re saving up on quite a bit of money. It is only natural to want to spend it on something you’ve always wanted. That’s not the smartest idea, though. Even if you’ve dropped the coverage, you’ll need to make repairs and/or pay should you ever be involved in collision. You’re better off making an “emergency fund,” which can act as your own personal insurance plan should you ever need to pay for vehicle repairs out of your own pocket.

How old is too old (your car, that is)?

Typically, there’s not criteria or bar you can use to classify your car as an “older” model. That being said, there are certain guidelines you can keep in mind, and certain questions you can ask yourself.

Here’s one such question: If your car needed multiple repairs all of a sudden, would it be more feasible for you to replace the vehicle? If your answer is “yes,” you’re better off doing away with collision and comprehensive insurance. Check the Blue Book value and see how much your vehicle is worth

Classic cars aren’t “older” cars

Believe it or not, if your car is a “classic,” you’ll have to do with a special kind of insurance called classic car insurance. These are used for older, but collectible vehicles, so long as they’re being used as a secondary vehicle. One car that fits this bill is the 1957 Chevrolet Bel-Air.

 

Auto Insurance For Newlyweds – To Combine Or Not?

Auto Insurance For Newlyweds – To Combine Or Not?

 

When you get married, several things cross your mind. Car insurance, however, is generally not one of them. Truth be told, the effect of your marriage on car insurance premiums is something that probably didn’t cross your mind at all.

That being said, you must put your car insurance policy on your to-do list – at least once wedding and honeymoon is done with. Believe it or not, your marital status has a huge bearing on your car insurance policies, and a combined one usually is more effective and less expensive for both of you – bar a few exceptions.

Combining Insurance Policies Will Help You Save Money

Even without changing your car insurance policy, chances are that your ‘married’ status itself will reduce your rates once your current policy is reviewed. Even with other factors being the same, your premiums are bound to go down by around 10-12 %. This usually happens because married couples tend to file a lesser number of claims as compared to single drivers.

When Is It Idea to Combine Policies?

If you’re really looking forward to getting a better discount on your car insurance premiums, you will benefit from combining the separate car insurance policies of you and your spouse’s into a single one. Even better if you are both in possession of good driving records and no coverage gaps.

Furthermore, when you combine your car insurance policy, you get more than one vehicle insured on a (later) single car insurance policy, which often allows you to avail multi-car discount from car insurers. Although you are still eligible for discounts if your family has a single vehicle.

Last but not the least, if you combine your car insurance policy with that of a homeowners or renter’s insurance policy – and from the same insurance company, you can get an even better rate of discount, which will only lead to your saving.

Insurance Quotes for Married Couples

While driving records are a major factor affecting insurance premiums, they are only one of several equally important factors. For instance, in some states, the car insurance company will determine your determine premiums by keeping your credit score in view as well, making your and your spouse’s financial history an equally important factor.

In order to get the best idea as to how your premium will get affected, you must make sure to quotes – both for adding yourself to your spouse’s policy and vice versa. You should also try out other insurance companies to get a good view of comparative rates.

When NOT to Combine Policies

Even with the general benefits, there are certain situation when combining policies is not ideal at all and will in fact do more harm than good. For instance, if any one of you has a low credit score or less-than-ideal driving record, it is best for both of you to keep your policies separate. The combination of a high risk and low risk driver will only serve to increase the car insurance rates of the low-risk driver. Furthermore, the insurance company may decide to not combine a high-risk driver regardless of the price you and/or your spouse may be willing to pay.

In most cases, combining your car insurance policies when you’re married is a great idea. If one spouse does have minor violation on their driving record, these can be mitigated by the combination of policies. That being said, if any one of you is indeed a high-risk driver, you are better-off keeping your records separate.

Before combining your policies, make sure to get proper quotes from multiple companies and work out a policy that functions well with your current requirements and your budget.

 

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