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Basic Information About Minimum Auto Insurance Requirements in Alabama

Basic Information About Minimum Auto Insurance Requirements in Alabama

Alabama is a state where vehicle owners must purchase liability coverage. If you do not want to buy insurance, you can choose from other options. Some of the alternative options you can choose form include motor vehicle liability bond and certificate of cash bond. The minimum requirements for the motor vehicle liability coverage is $50,000. In Alabama, the minimum injury liability requirement for a single person is $25,000. For all the passengers, the minimum requirement for the injury liability insurance is $50,000. The property damage insurances minimum requirement is $25,000 in one accident. You should buy more than the required amount of insurance so that you can avoid emptying your account during the accident. Aside buying liability coverage, you should buy other types of coverage such as uninsured/underinsured insurance or comprehensive insurance coverage.

If you are driving on the highway, make sure you carry insurance proof. There are many ways to provide proof that you meet the financial responsibility of the state. Some of the approved proofs of financial responsibility includes insurance card, certificate of liability policy, proof of vehicle purchase, car rental agreement, motor vehicle liability bond and certificate of cash bond. There are several situations where you will be asked for the proof of insurance. The police officer may stop your car and ask for the proof of insurance. If you happen to be involved in an accident, the police officer ask for proof of insurance. When you are attempting to register a vehicle, you will be asked to provide a proof of insurance.

If you fail to carry the proof of insurance, your vehicle registration can be suspended. After your vehicle registration is suspended, you have to pay a reinstatement fee. The reinstatement fee costs about $100. The vehicle registration can be suspended up to 4 months. You have to provide proof of insurance within 4 months. If this is your second offense, you have to pay a fee of $200. The Department of Motor Vehicle (DMV) can charge you additional fee up to $1000. If you offend for the second time, your driving license can be suspended for 6 months.

To avoid getting involved in a serious financial situation, you should buy more than the minimum requirement. If you only buy insurance to meet the basic requirement, you will have risks of emptying your bank account to pay for the accident cost. To find out how much insurance to buy, you should calculate the value of your properties. The auto insurance coverage will protect you from legal fees and medical costs. You can use the car insurance quote search engine to compare the cost. To use the car insurance quote search engine, you have to provide your zip code. After that, you will be asked to choose a provider. Once you have selected a provider, you can purchase the insurance policy.…

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General Article

The Difference Between DWI and DUI in Texas

The Difference Between DWI and DUI in Texas

In some states the terms are used interchangeably, but in Texas, driving under the influence (DUI) is a different crime that driving while intoxicated (DWI). Both offenses require that a person operate a motor vehicle in a public place, but the targets of the two offenses are very different.

In order to convict a motorist of driving while intoxicated (DWI), the state must prove that the person

(1) operated a motor vehicle,

(2) in a public place, and

(3) had lost the normal use of his mental or physical faculties

(4) as the result of consuming alcohol, a drug, or a combination of the two.

According to the Texas DWI Statute, if a person has an alcohol concentration of.08 or higher at the time of driving, that person is considered to be intoxicated per se.

Driving while intoxicated (DWI) is a Class B misdemeanor in Texas and carries a maximum punishment of six months in the county jail and a fine of up to $2,000. A subsequent conviction may be punished by up to a year in the county jail and a fine of up to $4,000. Upon a conviction for DWI, a motorist could see his driver’s license suspended for up to one year. Unlike most crimes in Texas, a person charged with DWI is not eligible for dismissal through deferred adjudication.

To convict a motorist of driving under the influence, on the other hand, the state must prove that the person (1) while under the age of 21, (2) operated a motor vehicle, (3) in a public place (4) after consuming alcohol. The prosecutor need not prove the driver had lost the normal use of his mental or physical faculties. The smell of alcohol alone is enough evidence to prove consumption.

Driving under the influence (DUI) is a Class C misdemeanor in Texas and carries a maximum punishment of a $500 fine and up to 40 hours of community service. A subsequent conviction may be punished by a fine of at least $500 and up to six months in the county jail. A minor may have his driver’s license suspended for 30 days on a first offense.

Since DUI is a Class C misdemeanor, a defendant is charged either in municipal court or in a justice court. Most justice courts in Texas are not courts of record so, aside from Texas Department of Public Safety driving records, there will be no record of a conviction. Even more important, since DUI is not an offense under Section 49 of the Texas Penal Code, deferred disposition is available to a person charged with the offense. However, should a person be charged with a subsequent DUI, a dismissal under deferred disposition is still considered to be a conviction.

Two similar sounding crimes, two very different offenses.…

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Auto Repair: Helpful Tips For You

Not much beats owning your own vehicle. You are able to go out and do the things you want to do, without answering to anyone else. You also run the risk of your car breaking down, and this can be a huge inconvenience. The information in this article can get you on the road again quickly.

Get a reliable battery charger and be sure it is always in your car. This will be very useful in case your battery dies or if you run into someone who needs help with their battery. It is important to not only have the battery charger but to know how it works as well in case you are alone.

You do not have to call a mechanic every time you are having car trouble. There are a few things that could be fixed very easily. It’s possible to find the information you need online. If the job is not complicated, make the repairs yourself to save money.

Keep on hand all of your car’s documentation. Store them inside the glove compartment just in case you have to see a mechanic all of a sudden. The records will be vital to your mechanic. Good documentation can help diagnose problems a lot faster.

Check to see that your technician knows what he is doing. When they don’t listen to what you say or talk to you in circles, they’re probably a scammer. Find a mechanic who seems trustworthy and knows how to answer all your questions.

Don’t forget about your windshield wipers. If you notice your wiper blades leaving streaks on your windshield, or they chatter, then it is time to obtain new blades. Wiper blades need to be replaced once every year or possibly more often depending on the where you live.

You may want to get your car repaired by a person who does work out of their own garage. Mechanics who work from home are often able to charge less because they don’t have the overhead that shops do. This can save you a lot of money, and at the same time, help out a small auto shop instead of letting a big shop profit.

Find out a little about the car parts you need before you go to a mechanic. Parts have classifications, including salvaged, new, and re-manufactured and reconditioned. New parts are made solely to a manufacturer’s specifications. Parts that are listed as “re-manufactured, rebuilt and reconditioned” means that the parts are used but restored to original condition. Salvaged parts have been used and have not been restored in any way.

There are some shops that do devious things to your car if you are not paying attention. They do this so that they’re able to make money from you being ignorant. Mark your tires so that you can check them later. If the chalk isn’t there, you’ve been taken advantage of.

Just because your vehicle is temporarily broken down, doesn’t mean you’ve got to spend all your money on expensive repairs. There are many times where you can repair your own car’s issues. By using the tips from this article, you should know when to leave the repairs to the professionals and when to tackle them on your own.…

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Car Shopping Advice That Should Not Be Missed

Car shopping can be a love/hate relationship. If you are one of these people, you should learn as much as you can beforehand. This information will help give you the confidence you need to negotiate your best deal.

Never let salespeople talk you into a car that is beyond your means. Many people get hoodwinked into buying a sports car because salespeople say the person looks good in it. Remember, the salesperson is after a commission.

Negotiating helps to save you a lot of money towards your purchase. There is no reason to pay that much. These prices are too large on purpose so that dealers have some negotiation room. Use this to your advantage.

Get your financing in order before shopping for autos. This can be achieved at your local credit union or your preferred bank. You are likely to get more advantageous terms by doing so, and can confidently visit a car dealership understanding the limits of your budget.

Have a mechanic look over any used car you are considering. If your dealer does not allow you to have a mechanic inspect it, then walk away from the deal. A mechanic can offer an impartial opinion about the vehicle. He can determine whether the car has hidden damage from previous accidents or being submersed.

What have your loved ones heard about local dealers or car manufacturers? Are they impressed with the cars that they have? Are they sorry they purchased the vehicle? What have they heard about other models? This is the best way to start gathering information when purchasing a car.

Look at a vehicle’s fuel efficiency and how it will work with your budget when buying a car. It may look like it’s great to get a V-8 that can tow, for example. But you should consider how often you will be using the towing feature and how often you will need the extra horsepower a V-8 offers.

Talk to your bank beforehand to ensure you are eligible for a loan. This ensures that you qualify for a loan. In many cases, the dealership can secure an acceptable interest rate than you might find at your bank. Still, it helps to have a clear picture of what you can expect to pay.

Start your car shopping online. Practically all makes and models are available to you online. While online, learn everything about the car of your choice before visiting a dealer. You can look on the Internet for information like MPG, specifications, resell value, size and ratings.

Rent different cars you like. If you want to get a real feel for a car, rent one from a local rental car company to give it an extended test drive. Bring the whole family along for a test drive. It’s a cheap way to make sure that you’re getting the right car before you purchase and make a commitment to it.

Car shopping is something that certain people love doing and others hate. Knowledge is the main factor in having a pleasant shopping experience. Keep the advice you have just read close at all times, and you will feel fully prepared to make an optimal decision.…

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Expert Tips And Tricks For Car Shoppers

When you are shopping for a car, you may think about just giving money to someone to get a car. However, it involves much more than that. The article below will provide you with the advice you need when buying a car. It is vital that you know what to do when you are buying a car.

Look online, and then head to the dealership. Only go to the dealer when you know exactly what you want. Research brands online to learn what you like best as well as which brands are safest. The dealer often won’t talk about safety or other things it’s important for you to know.

Look for deals online. An Internet search is able to save you a lot of money. Once you have found the perfect vehicle, you can either drive to the dealership offering the vehicle or go to your dealership and have them purchase the vehicle for you. If the dealership is close, think about going to them to save a little more money.

During negotiations, concentrate on the total price instead of the monthly price. You may get a great monthly rate, but if you’re paying that rate for many years, your new vehicle is going to end up costing a lot more than it’s worth. That’s why you need to look at the total price and the financing on that. Use that number, then calculate the optimal monthly payment amount.

Bring in an impartial mechanic before purchasing used. If the dealer does not cooperate, go to another dealer. You want someone who has an impartial opinion and is doing things in your best interest.

You should hire a trustworthy mechanic to look at the vehicle you are interested in. If the owners won’t allow this, that should be considered a red flag. There could be hidden, expensive problems that will affect the vehicle’s value. You should not buy it without knowing more.

Expect that car shopping will take a good chunk of time. Don’t go car shopping if you’re pressed for time. If you can, use the entire afternoon. If you are pressed for time, you should leave and return the following day.

Set a budget before visiting a dealership. Don’t ever go above that limit, even if the dealer pressures you to. He doesn’t have to pay the bill!

If you own an expensive vehicle, do not drive it to the dealership to buy a new car. This will end up costing you a lot of money in the long run.

In order to test out a car, rent it. To really get to know a car, you can rent one locally and put it through its paces. Go on a long road trip to see how the car stands up to the abuse. This trick is an opportunity to familiarize yourself with a car prior to committing to one long-term.

Never let your dream car slip through your fingers when you are hunting for your next ride. These tips ought to have provided you with the advice you need to get a car that suits your desires. All you need to do now is utilize the information. Don’t waste anymore time and get to car shopping!

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Top Auto Repair Tips Straight From The Experts

It is likely that your car is giving you issues right now. This article was written to help. Most people were not born knowing how to fix cars, and this is why it is important that they follow certain steps. All the advice you need about auto repair is here, so read on.

Get a reliable battery charger and be sure it is always in your car. The problem of a low or dead battery is very common, and if you keep a charger in your car you can assist other drivers with the problem. Before you drive again, figure out how to use it properly.

An emergency kit is a must for your car. You can make your own; include things that you will have to have to put on a spare, add gas or charge the battery. Also, add a flashlight, some batteries, and some blankets in case there is a nighttime breakdown.

Always know how much your repairs will cost before handing your car over to a service department. Should you need clarification about the repairs, speak with the service manager or your mechanic before work begins. You don’t want to get the car back, only to be shocked at how much the repairs cost you.

Avoid mechanics who charge you for repairs that are not really needed. A trustworthy mechanic should inform you about parts that are becoming worn and will need replacement in the near future, but no parts should be replaced without first getting your approval. If a mechanic does unnecessary repairs, find someone else who is more trustworthy.

If you’re headlights are giving off dull light, they may just be dirty. Greasy residue from a road can deposit on them sometimes and that dirt can reduce the light they’re putting out. Use a quality glass cleaning product and improve the situation dramatically.

Make sure your mechanic knows how to work on your make of vehicle. Different cars require different skill sets. If you aren’t sure, take your car to get serviced at the dealer.

If you have something major that needs to be done by someone at a shop, you have to be sure you get more than just a single price. While most mechanics can be trusted, you might wind up being charged more than is necessary. Try and locate a shop that specializes in servicing your particular type of car. These shops can better understand the needed repairs for your vehicle.

A burned out headlight or taillight is a common repair. This can usually be done yourself. While it’s easier in some vehicles than others, it’s a whole lot cheaper to do it yourself. Ask whether someone you know can show you how to fix it.

Hopefully, you are now better equipped to handle having your car repaired if necessary. Although it’s not really that easy to repair a vehicle sometimes, it never hurts to be ready for whatever may occur. If something big comes along you can’t handle on your own, you now understand how to find help.…

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Search Below For The Best Tips About Auto Repair

If your car is in need of repairs, why not try to do the job on your own? A lot of people today like to go to mechanics, even when their problems aren’t that bad. Use the information below to help you through your auto repair needs. The tips below can help you save money and feel good about doing it.

Keep a good battery charger in your car. This will be very useful in case your battery dies or if you run into someone who needs help with their battery. Before you drive again, figure out how to use it properly.

Be prepared for any emergency by equipping your car with a well stocked emergency kit. You need to have tools in your kit that will allow you to change the battery, help you get some extra gas and tire changing tools as well. Do not forget blankets and a good flashlight with some batteries.

Check your coolant levels frequently. Let the car run a couple minutes, shut your engine and open up your hood. Never open the radiator while the car is on. Check the amount of fluid in your radiator with your dipstick and remember to mix the coolant with some water.

Ask a potential mechanic if they have experience with working on the exact kind of car you have. If yes, then you can trust them with your car.

A good referral makes it much easier to locate a trustworthy mechanic. Ask co-workers, friends and family for recommendations. You can gain information about prices and level of quality. You can learn first-hand experiences about the honesty and skill of the mechanic.

Read the manual for your car and make notes of important pages. When you’re trying to get something repaired on your vehicle, you’ll be able to get more assistance if they’re able to read information quickly about your car. You may even find, when you read the manual, that what you think is an issue is easily fixed.

Keep a record of all the repairs you make on your vehicle. When another issue crops up, this record will allow you to provide the history to the mechanic. Not maintaining these records will likely mean you have to spend more money because diagnosing the problem will be harder for the mechanic to do.

Don’t leave valuables in your car while you’re having it repaired. To get the job done, mechanics may have to remove your things and if something should end up missing, they cannot be held responsible. Remove everything from your trunk too.

Headlights will sometimes dim over time, but often is just a matter of cleaning them off regularly. Dirt from driving can build up on your headlights and block some light. Cleaning your lights with a glass cleaner will allow them to perform better.

Handling car repair problems may seem nearly impossible at first. However, all you need is the right information. Take the above advice into consideration and keep your vehicle purring like a kitty.…