Lemon Law Information

What is a Lemon? A vehicle that continues to have a defect that substantially impairs its use, value, or safety. Generally, if the car has been repaired 4 or more times for the same Defect within the Warranty Period and the Defect has not been fixed, the car qualifies as a Lemon. All States differ so you should consult the Lemon Law Summary and the State Statutes for your particular State. Note that the warranty period may or may not coincide with the Manufacturer's Warranty. Do I have a Lemon? If the paint is peeling, the light switch came out when you pulled on it, the car makes "funny noises" but otherwise drives just fine, or you found 10 things you don't like about your new car but none of them prevent you from driving it, then No,  you do not have a Lemon. If the brakes don't work, the car won't go into reverse gear, the darn thing won't start on cold mornings or hot afternoons, the rear door opens all by itself, the driver's seat wobbles, or the car chugs along at 30 mph when it should be going 50  mph, then Yes, you may have a Lemon. Providing you've given the manufacturer an  opportunity to repair the defect. In most States, 10 different defects during the Warranty Period does not brand the car as a Lemon. In some States, a  single defect that might cause Serious Injury makes your car a Lemon if the manufacturer cannot fix the problem within 1 attempt. You may have a Lemon, but if you do nothing to protect your Consumer Rights, such as documenting your Repairs and allowing the Manufacturer a chance to fix the problem(s), you lose all rights under the various State Warranty Acts. Do I need a Lawyer? The answer depends upon which State you Purchased or Registered your car in. In some  States and with proper documentation, you simply file a Complaint. In other States, you will need to hire an Attorney. Who pays the Lawyer? Only about half of the States allow you to recover Attorney Fees. If your Attorney sues under  the Magnuson-Moss Warranty Act, you will be awarded Attorney Fees if you win. Note that an Attorney's Fee is based upon actual time expended rather than being tied to any percentage of the recovery. In some States, you must pay the manufacturer's Attorney Fees if you lose. Is a Used or Leased Car protected? It depends upon which State the car was purchased or leased in. Some states include used and leased cars in their Lemon Law statutes. Some states have separate laws for used vehicles. Some states provide protection only for new cars. In some states, even the Attorney General is unable to tell you if a Leased vehicle is covered due to the way the law is phrased and you will be referred to an Attorney for clarification of the law. See the Lemon Law Summary and the State Statutes for your particular State to determine what is covered. What about Motor Homes and Motorcycles? Most States cover the drive train portion of Motor Homes (that part which is not used for dwelling purposes). Motorcycles are generally not covered but a few states do include them in their lemon law statutes. If you have a defective Motorcycle, Motor Home, used car, leased car, or a car used for  business purposes and your State Lemon Law does not cover these vehicles, you still  have other recourses such as the Uniform Commercial Code and the Federal Magnuson-Moss Warranty Act (providing you were given a written warranty).  Consult with an Attorney that specializes in this area.

What Does Full Coverage Auto What Does Full Coverage Auto

Many people believe that they are covered for everything if they have a full coverage auto insurance policy. A full coverage policy is a combination of liability insurance and comprehensive insurance. However, this does not necessarily mean that you are covered for everything. You still must be aware of the amount of coverage that you have in the event of an accident.

Liability Insurance

Liability insurance will cover a minimum amount if you injure someone or damage their car in an accident. When you are choosing this coverage for your automobile insurance, you will be able to choose the minimum amount required by the state you live in. However, you are not fully covered if you only have the minimum coverage and an accident exceeds the amount that the insurance company will pay. You will be responsible for the rest of the money. If you have assets like a home, it is possible that you could lose your home in this type of situation. That is why it is important that you get full coverage car insurance that will protect your home in the event of an accident.

You should consider getting as much liability coverage as possible. This will not only protect your current assets, but any future assets that could be taken in a judgment against you.

True Full Coverage Car Insurance

Full coverage car insurance is a policy that will protect your assets when you injure someone or damage their property. It is far more important to protect yourself in the event that you hurt someone else than it is to only consider damage to your own vehicle. Most people have this concept backwards and only have the minimum required liability insurance to save money on their policy. You will end up paying a great deal more in the long run if you only carry this amount of coverage.

Is Full Coverage Auto Insurance Required or Just Recommended?

In most states, full coverage auto insurance is recommended, but not required, unless there is an outstanding loan or lease on the vehicle. In any case, if your vehicle's actual cash value exceeds your deductible by two to three times, it is a good idea to continue full coverage insurance. By having a deductible lower than the value of your vehicle, you can avoid having to pay full retail price for any collision repairs your car may require.

You are also protected because, if your vehicle is damaged beyond its actual cash value, you will receive a payment from the insurance company for the cash value. This can provide you with funds that may be applied toward the purchase of a new vehicle. In short, full coverage auto insurance can help you remain solvent, keeping you from having to finance a new vehicle or pay cash for collision repairs.

If your vehicle has an outstanding balance on a loan or lease, you will be required to carry full coverage insurance with minimum coverage as noted in your finance agreement or lease. Full coverage insurance is required in this case because the finance company does not want damage to go unrepaired, nor do they want to face the prospect of repossessing a vehicle with thousands of dollars worth of damage, because the lower selling price of the vehicle at auction will most certainly be a write-off for the finance company. If you are in a pinch and need to find cheap full coverage to keep yourself legal, you can use the tools available at www.CarsDirect.com to get competitive local quotes.

Finding Cheap Full Coverage Auto Insurance

Finding cheap full coverage auto insurance is possible if you take some time and do your homework. Full coverage auto insurance will protect your assets in the event that you are involved in an automobile accident that injures another driver. Full coverage means that you carry the more than the minimum amount of liability insurance. You must be sure to have enough coverage to pay for a catastrophic accident without putting your home and assets in jeopardy.

There are three simple ways to obtain full coverage auto insurance:

Getting Insurance through the Internet

All you need to do is go to the website of the insurer of your choice. You will need certain details on hand before obtaining an internet full coverage auto insurance quote.

• The make of your car
• The capacity of your engine
• The year of manufacture
• The estimated annual mileage

The beauty of the Internet option for obtaining full coverage auto insurance is that you have the option of getting the best deals through price comparison websites. Many people claim that you are being charged affiliate fees from the referring site. Still, you stand a very good chance of getting the best deals, fees or no fees!

Getting Insurance through the Phone

If you don't like the idea of obtaining full coverage auto insurance through the Internet, then place a simple phone call to an insurer of your choice. You can also combine the benefits of both methods by carrying out an Internet search prior to putting through a phone call to a potential insurance company. You will still need all the same details on hand that you needed for the Internet method. One advantage of making a phone call to obtain full coverage auto insurance is that you are speaking to a real person, so you can negotiate the best deal.

Getting Insurance through a Local Agent

This method seems to be gradually becoming obsolete as very few people go through this hassle. If you choose to use it, however, it is still a very viable option. It might prove very useful when searching for full circle auto insurance (full tort auto insurance) if you can negotiate deals one-on-one.

Each method has its pros and cons. The Internet method is fast and easy, but you are denied the benefits of a one-on-one conversation with a real person. The phone method affords a person-to-person dialogue, but you might end up paying more if you do not understand the insurance industry. The method you choose is a matter of personal preference and convenience. However, it's always advisable to do a lot of shopping around before sealing any deal.

Auto Insurance Coverage: Liability (Bodily Injury & Property Damage To Others)

Let's face it, if you have an auto accident the costs could be devastating. Not all auto accidents involve just your vehicle. There are many other circumstances that could potentially occur. That's why you should consider Liability coverage. This coverage helps protect you in an auto accident from the damages done to the other driver's property, including bodily injury. The bodily injury or property damage must be accidently caused by you or a resident family member while driving your (or any non-owned) car. It also covers anyone else driving your car with your permission. However, this coverage applies only if the driver is considered at-fault and legally responsible (liable) for the damage. Please also note that Liability coverage for property damage does not apply to the damage done to your car or other property you own. This coverage is subject to the applicable policy limit, but  do not apply to Travelers Liability coverage.

Car Insurance Coverage Basics

There is a lot to know about auto insurance in order to fully understand what you're paying for. The following information provides a quick education to help you navigate the twists, turns and choices involved in buying auto insurance.

Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Within the three broad coverage categories listed above, an auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.