Automobile Insurance Premiums

Insurance contracts, at their core, are papers that prove a promise by an insurance company to pay benefits under an insurance policy and the payment of money by an insured for that protection. The money paid by the insured is called a premium. The premium is made up of money paid by the insured to the insurance company to cover the insured risk and the administrative costs. Without the payment of a premium, no contract of insurance exists between the insurance company and the insured.

Design Defects in Automotive Products Liability Cases

The basic elements of proof that a plaintiff in a products liability action against the manufacturer or seller of a car or truck has to establish are that the vehicle as sold contained a defect that created an unreasonable risk of death, personal injury, or property damage when the vehicle was used for its intended purpose and that the defect caused an accident or similar incident, such as a vehicle fire, that resulted in the loss for which the plaintiff is seeking to recover damages. Allegations of product defect in automotive products liability cases include inadequacies in vehicle design, errors in the manufacture of vehicle parts and their assembly into a completed car or truck, and failure to warn users of a vehicle about dangers inherent in its use.

Auto Insurance Notice Requirements

Because the business of motor vehicle insurance is a complicated one that may necessitate the transmittal of a great deal of information between the parties to an auto insurance policy, issues related to the duties of an insurer and an insured to give notice to one another of matters affecting the status of a policy or the occurrence of events having significance to policy coverage frequently arise. These issues can include such things as modifications to the policy itself, the status of the insured with respect to his or her premium payment obligations, the occurrence of an event triggering coverage under the policy, or cancellation of the policy by the insurer.

Comprehensive Coverage

Cars and trucks can be damaged in a wide variety of ways and by a wide variety of instrumentalities, both while they are in operation and while they are parked and at rest. Comprehensive coverage under motor vehicle insurance policies has been devised in order to provide owners and operators of vehicles with protection against the risk that such damage to a vehicle will occur.