argumentative essay on car insurance

Argumentative Essay On Car Insurance

According to worldwide statistics nearly 1.3 million people die in road crashes each year and additional 20-50 are injured or disabled. As plenty of studies point out drivers under 25 represent the majority of casulties. In order to face mentioned tendency insurance companies encourage young drivers to install black boxes in their vehicles. Consequently, not only cant hey access the way of their driving but also decide about their insurance rate. To begin with, I am strongly convinced that it may appear as a mutual benefit both for drivers and insuresers. It goes without saying that car’s insurance is a considerable expense, so if drivers notice the opportunity to save some money they will be more likely to ease their foot off the accelerator.

Raising The Minimum Driving Age

Everyone has felt that feeling where they cannot wait to learn how to drive and to get behind the wheel. Little do they know, driving causes a number of deaths every year. Teen drivers are involved in more car-related accidents than any other drivers. The minimum driving age should be raised from 16 to 18 because 16 year olds are more accident prone, 18 year olds are more experienced, and a 16 year old’s brain is not as developed as it is at 18 years old.

Increase Driving Age in Arizona to Save Lives Essay

• 6 Works Cited

“The risk of motor vehicle crashes is higher among 16 to 19 year olds than among any other age group.” (Teen Drivers: Fact Sheet 1) “The presence of teen passengers increases the crash risk of unsupervised teen drivers. The risk increases with the number of teen passengers.” (Teen Drivers: Fact Sheet 1) In the United States motor vehicle accidents are the number one cause death in teens. “In 2010, seven teens ages 16 to 19 died every day from motor vehicle injuries.” (Teen Drivers: Fact Sheet 2) This alarming number of casualties could be prevented by educating our teenage drivers prior to them being on their own and operating a couple ton weighing

Teenage Driving

Putting teens on the road at a young age as low as 15-16-years-old allows them to gain experience that will help them become more accustomed to the road when they get their driving licences at 18. As stated in the article, Teenage Driving Laws May Just Delay Deadly Crashes, it says “Many teenagers, rather than deal with the extra restrictions for 16-17 -year-olds, are simply waiting until they turn 18, and skipping the restrictions altogether. As a result, a greater proportion of inexperienced drivers hit the road” (40). This proves that teens who do not drive at 16 are more likely to get into car crashes, because they wait til 18 to avoid being restricted like the 16- 17- year-olds. Teens who skip the 16 -17-year-old restrictions are just starving themselves from gaining the early knowledge on driving that is needed to prevent fatal crashes. The same article also says that, “There have been 1,348 fewer deadly crashes involving 16-year-old

Uninsured Motorist Claims Essay

Title: Underinsured and Uninsured Motorist Claims in Northeastern PA - Law Offices of Kennedy and Brown

Medical Insurance Persuasive Essay

Even though some people believe universities will lose money if they insure all athletes with medical insurance. I believe the NCAA should give health insurance to athletes because families can only pay a certain amount of the bill, the athletes that go to the school bring in millions of dollars, and the NCAA covers bills up to $90,000 but don't exceed it. Colleges should be responsible for the athletes that commit to playing a sport in college with the possibility of getting an injury and not being able to fully recover and get back to a normal lifestyle.

South Carolina Driving Laws

Teenage drivers are more likely to get into an accident than someone who is in there 30’s. This is mostly because of maturity in the brain. Scientist have proven “that critical parts of the brain involved in decision-making are not fully developed until years later at age 25 or so.” Teen drivers do not think about what could happen, or the lives they might have in

Essay On Health Insurance

Children’s Health Insurance Program (CHIP) varies from state to state. [CHIP is a collaboration between federal and state governments. The programs are run by the individual states according to requirements set-up by the federal Centers for Medicare and Medicaid Services. States may organize CHIP programs as an independent program separate from Medicaid, such as separate child health programs, use CHIP funds to expand their Medicaid programs like SCHIP Medicaid expansion programs, or can combine these] put in quotes with the source advancements into a CHIP combination program (NAHSP,2017). States receive federal funds for CHIP programs at a rate above the typical Medicaid match. States with separate child health programs follow the

Persuasive Essay On Uninsured Drivers

Every state, other than New Hampshire, requires drivers to carry their state’s minimum requirements to legally drive a vehicle. Still, there are those who refuse to follow the letter of the law. In fact, in 2012 the Insurance Research Council found that one in eight drivers on the road don’t have insurance at all, totalling 30 million uninsured motorists nationwide.

Argumentative Essay About Health Insurance In College

How many college students have extremely thought about health insurance? Attending college is a stressful time for any student. While many students are in college many should not have to worry about paying for their healthcare bills. The Affordable Care Act gives college students more options to find an inexpensive insurance. Many should consider these possible options if they are planning to attend college or seeking for an inexpensive coverage.

Explain Why The Driving Age Should Be Raised To 18

Statistics show that ‘in 2011, about 2,650 teens in the United States aged 16-19 were killed’ and almost 300,000 teens were severely injured from fatal crashes. Every day, 7 teens die from car crashes/injuries. Newly licensed drivers who are aged 16-19 are at a higher risk of fatal crashes than drivers aged 20 and over. As well, many of these crashes are caused by teens that text, talk, or drink and drive. Inexperienced drivers, who are many 16 -19 year olds in the United States cause higher insurance, accidents and crashes, and so, the legal driving age should be increased to 18.

The level of precautions used when driving is based on an individual’s skills and mind set, not on their age. However, car insurance companies do not view it this way. They assume that due to their age, young drivers will not pay attentions to what they are doing and are more likely to get distracted by friends, music, or cell phones than their older counterparts would be.

Persuasive Essay : The Basics Of Car Insurance

If you live in the U.S., there's a 48 in 50 chance that your state requires you to have car insurance (New Hampshire and Wisconsin are the lone hold outs, for those wondering). Of course, knowing that you need car insurance is only the first step. Navigating providers, comparing cheap car insurance quotes, and choosing specific coverage comes next.

Car Insurance Argument Essay

In the premise, “Everyone who owns a car needs a car insurance. Joe just purchased a car. Therefore Joe needs car insurance.” The argument presented is a valid deductive argument, because all, the premise is true and the conclusion is also true. In addition, It satisfies the Test of the Logical Strength, there is not a possible counterexample to disprove the argument. In the argument there is an affirmation of the antecedent, It follows this pattern

Safe Driving Essay

• 8 Works Cited

This shows that teens do not take driving seriously and also do not realize what can happen to them if they continue with bad driving habits. In fact, insurance rates are high enough as it is for teens now. If they get into a car accident, the insurance rates will sky rocket, their parents may have a hard time being able to afford the insurance. Traffic crashes are the leading cause of fatalities for teens. As stated in a magazine, “Drivers ages 16 to 19 are four times more than likely than older drivers to crash” (Brophy). This quote shows that teen drivers are involved in more traffic accidents then older drivers. It has much to do with the young drivers not being safe and making horrible choices while they are driving or in the car with another person. If teens engage in the driving education course, they will definitely become more knowledgeable about all the safe ways to drive when their parents do not have to ride with them anymore. Teen drivers are involved in many car accidents due to unsafe driving habits. A course on safe driving will give the young driver behind the wheel more experience.

Essay about Causes and Effects of Drunk Driving

Traffic crashes are the leading cause of death for teens and young adults. More than 5,000 young people die every year in car crashes and thousands more are injured. Drivers who are 16 years old are more than 20 times as likely to have a crash, as are other drivers. There are two main reasons why teens are at a higher for being in a car crash and lack of driving experience and their tendency to take risks while driving. Teens drive faster and do not control the car as well as more experienced drivers. Their judgment in traffic is often insufficient to avoid a crash. In addition, teens do most of their driving at night, which can be even more difficult. Standard driver's education classes include 30 hours of classroom teaching and 6 hours of behind-the-wheel training. This is not enough time to fully train a new driver. Teen drivers are more like to be influence by peers and other stresses and distractions. This can lead to reckless driving behaviors such as speeding, driving under the influence of drugs and alcohol, and not wearing safety belts. There is no safe amount that you can drink and still drive. Even one drink can influence your driving offences. “Nowadays, drunk driving has become driving while intoxicated, driving while impaired, driving while under the influence, operating while under the influence (impaired, intoxicated, or whatever), and in many

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Car Insurance Essay – Importance & Pros Cons

Car insurance is a topic of paramount importance to vehicle owners, offering a safety net in the event of accidents or damages.

Table of Contents

Essay On Car Insurance

Introduction to car insurance.

• Importance and Necessity of Car Insurance

Factors Influencing Car Insurance Premiums

• Understanding Car Insurance Policies and their Coverage

Pros and Cons of Car Insurance

Car insurance, a legally binding contract between a car owner and an insurance company, offers essential financial coverage for losses resulting from traffic accidents, theft, and other unforeseen events. By paying a premium to the insurance company, the car owner ensures that they are protected and can receive compensation for damages or injuries as per the policy’s comprehensive terms and conditions. This safeguard allows car owners to drive with peace of mind, knowing that they have a safety net in place to handle unexpected situations on the road.

Importance (adsbygoogle = window.adsbygoogle || []).push({}); and Necessity of Car Insurance

Car insurance holds significant value for vehicle owners. It not only helps mitigate the financial burden that arises from accidents, damages, or theft, but also provides comprehensive coverage for a wide range of unforeseen incidents. Regardless of whether you’re dealing with a minor bumper scratch or a serious traffic accident, auto insurance provides the mental comfort of knowing that you’re monetarily safeguarded in any circumstance. Additionally, in many jurisdictions, having car insurance is not just a smart choice, but a legal requirement for vehicle owners, ensuring the safety and well-being of all road users. Don’t wait until it’s too late – invest in car insurance today and drive with confidence knowing that you’re covered for whatever the road may bring.

Various factors influence the premiums of car insurance. The age, make, and model of the vehicle, the owner’s driving record, the geographical location, and the coverage type chosen all play a significant role in determining the premium amount. For instance, a sports car will likely have a higher premium than a family car.

Car Insurance Policies and their Coverage

Car insurance plans come with different levels of protection to suit what you need. Comprehensive coverage is not just for crashes – it also covers damage caused by events like fires, theft, or natural disasters. Collision coverage pays for damage to your car if you have an accident with another vehicle or hit something. Liability coverage saves you from being legally responsible for harm or damage you cause to others. It’s really important to take the time to get to know these different types of coverage, so you can choose the best insurance plan for you and drive with confidence.

When considering car insurance, it’s important to weigh the pros and cons. On the positive side, car insurance provides valuable financial protection, safeguarding against unexpected expenses that may arise from accidents or damage. Additionally, it offers coverage for legal fees, granting peace of mind in case of lawsuits. However, it’s worth noting that the cost of premiums can be a drawback, particularly for individuals with a less-than-favorable driving record. Moreover, the depreciation factor is another aspect to consider, as insurance companies typically reimburse based on the current market value of the vehicle, rather than the initial purchase price.

In conclusion, car insurance is a crucial investment for vehicle owners. Despite the cost of premiums, the financial protection it affords, especially in the case of significant damages or accidents, is invaluable. Understanding the factors that influence premiums and the coverage of different policies can help vehicle owners make informed decisions about their car insurance.

Argumentative Essay On Car Insurance

Car insurance is a crucial facet of responsible vehicle ownership that many tend to overlook. This contractual agreement between an individual and an insurance company offers protection against financial loss in the event of an accident or theft. The significance of car insurance extends beyond mere legal obligations, serving as a safety net that ensures financial stability and reinforces societal responsibility.

The Importance of Car Insurance

In many jurisdictions, car insurance is not a luxury, but a legal requirement. This mandate underscores the vital role car insurance plays in protecting individuals and their assets. Accidents are unforeseen and can strike at any time, leaving one with significant financial burdens. Car insurance cushions against these unexpected financial blows, ensuring that the mishap does not disrupt the individual’s financial stability.

The Positive Aspects of Car Insurance

Car insurance provides a financial shield in times of accidents, ensuring that the cost of repairs, medical bills, and other associated expenses do not drain one’s pockets. It also offers liability protection, where the insurance company covers the cost if the insured individual is found at fault in an accident. Furthermore, comprehensive coverage extends to damages not related to accidents, such as theft or vandalism, offering an extensive safety net for car owners.

Negative Aspects

Despite the undeniable benefits of car insurance, it is not without its share of drawbacks. One of the prominent criticisms is the high premium rates that often make car insurance seem unaffordable for many, particularly for younger drivers or those with a history of accidents. Additionally, the process of claiming insurance can be an arduous task, laden with complex paperwork and time-consuming investigations. There is also the risk of increased premiums or policy cancellations following claims. Furthermore, some may argue that car insurance inadvertently encourages reckless behavior, as individuals with insurance may feel less accountable for their actions on the road, knowing that they’re financially covered in case of accidents.

Counterarguments and Challenges

Despite the numerous benefits, there are valid counterarguments against car insurance. Many bemoan the high premiums associated with car insurance, seeing it as an unnecessary expense in the absence of accidents. There are also criticisms regarding insurance fraud and the potential for high deductibles, casting a shadow on the industry’s practices.

Balancing the Costs and Benefits

While the cost of car insurance may seem high, individuals need to evaluate their unique circumstances and potential risks to make an informed decision. Shopping around for affordable insurance rates, opting for packages that suit one’s needs, and maintaining a good driving record can significantly reduce the cost of premiums.

The Social Responsibility of Car Insurance

Car insurance plays a pivotal role in promoting a sense of responsibility among drivers. It ensures financial accountability after accidents, safeguarding innocent victims from bearing the brunt of others’ mistakes. Car insurance is more than just a personal safety net – it is a collective effort towards maintaining road safety and financial stability.

In summary, the importance of car insurance cannot be overstated. It offers protection for individuals and society, mitigating the financial impact of accidents and fostering responsible driving practices. Thus, everyone should consider car insurance as an essential aspect of responsible vehicle ownership.

Compare And Contrast Essay on Car Insurance

Think of car insurance as your vehicle’s faithful protector, ever vigilant for the unforeseen. However, it’s crucial to recognize that car insurance policies aren’t uniform across the board. This essay will be your guide as we navigate the landscape of car insurance, uncovering the distinctions that wield considerable influence over your coverage.

Comparing Coverage Types

First, let’s talk about the types of coverage. Car insurance isn’t just one-size-fits-all; it comes in various forms. Liability insurance, for example, covers damages to other people and their property if you’re at fault in an accident. On the other hand, collision and comprehensive coverage take care of your own vehicle. When comparing car insurance, it’s essential to weigh these options carefully. Some policies focus more on protecting others, while others prioritize safeguarding your car.

Contrasting Deductibles

Deductibles are like the price you pay before your insurance kicks in. Here’s the catch: higher deductibles usually mean lower premiums (the amount you pay regularly for insurance), but you’ll have to shell out more if something goes wrong. Lower deductibles mean higher premiums but less out-of-pocket expense if an accident occurs. When comparing car insurance, you must decide where you’re comfortable balancing this financial seesaw.

Comparing Discounts

Now, let’s talk about discounts. Many insurance companies offer various discounts. Some reward safe drivers, while others give discounts for bundling car and home insurance. Comparing these discounts can save you a significant amount of money. It’s like finding hidden treasures in the insurance world!

Contrasting Customer Service

Lastly, consider the quality of customer service. Some insurance companies are known for their prompt claims processing and excellent customer support. Others may leave you navigating a maze of automated systems. When choosing car insurance, it’s not just about the policy but also about the peace of mind that comes with knowing you’ll receive support when you need it most.

In summary, the act of comparing and contrasting car insurance options holds paramount importance in the quest for the perfect match to suit your needs and financial constraints. Whether your focus is on coverage specifics, deductibles, potential discounts, or the quality of customer service, keep in mind that making the right decision can be a game-changer when life throws unexpected roadblocks your way. Therefore, take the time to explore your alternatives, seek clarifications, and make a judicious choice – your vehicle’s well-being and your financial peace of mind will express their gratitude.

Hello! Welcome to my Blog StudyParagraphs.co. My name is Angelina. I am a college professor. I love reading writing for kids students. This blog is full with valuable knowledge for all class students. Thank you for reading my articles.

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Insurance Argumentative Essays Samples For Students

53 samples of this type

Regardless of how high you rate your writing skills, it's always a good idea to check out a competently written Argumentative Essay example, especially when you're handling a sophisticated Insurance topic. This is precisely the case when WowEssays.com catalog of sample Argumentative Essays on Insurance will come in useful. Whether you need to think up an original and meaningful Insurance Argumentative Essay topic or examine the paper's structure or formatting peculiarities, our samples will provide you with the necessary data.

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Free Argumentative Essay On Universal Access To Health Care In The US

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Ageism was spotted in 1866 and it is seen today with multiple stereotypes and prejudice of the elderly and it is especially observed in the workplace. Our aged population with limited income, yet bearers of a number of bills, including rising cost in utilities, medical care, and medications are faced with the stress and suffering of age discrimination in the workforce. This paper will review the history of age discrimination and discuss cases in which employees favor the young and terminate the old.

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Argumentative Essay On Car Insurance

Auto Insurance in Kentucky At least one vehicle is mandatory for a family in the United States. Having a personal vehicle saves lot of time and gives an opportunity to travel. In Kentucky, a person must have insurance to drive their vehicle. If a person is found driving without current vehicle insurance , they will be fined up to $1,000, up to 90 days jail time, or suspension of their license plate, and will be placed on “high-risk” category of drivers by their insurance company (car). If people are placed on the “high-risk” category, it will make them difficult to get insurance and even if they are approved for insurance, it will cost them double the regular amount. According to the ValuePenguin website, auto insurance for 16 years old driver …show more content…

It is also reasonable that young people will not be able to afford their car insurance coverage and will be driving around without insurance coverage if the insurance company keep increasing their insurance premium for teenagers after each accident. It is because young people are also human beings and people who have been in an accident are also living beings, so they will drive around without insurance coverage for survival because cars are legs that take people from one place to another. It is not reasonable for young people to pay as low as $3,000 per year for liability coverage and as high as $8,000 per year for full coverage, this is insane amount of money to spend on car insurance. The amount of money that young adults pay for car insurance in a single year is more than what they get from FAFSA (Federal Grants) each year to pay for their college. Most teenagers don’t even make $6,000 per year since they have go to school full time. How will these young adults be able to pay their high car insurance premium if they got in an accident? Young people cannot have a bright future if they have to start taking out loans to pay for car insurance because by the time they finish school, their life will be full of high interest loan debts that will take their entire life paying back that money with interest. However, keeping the cost to reasonable amount will help the …show more content…

Insurance companies are punishing young adults with high insurance premium as if those young drivers committed a crime of being able to drive, so that they would go to school to gain knowledge, go to work/earn money, and sustain themselves. Education defines a person’s future and without money, it’s not possible. Money is big part of people’s life, almost everything costs money. It would be best to make the colleges free but it is understandable that college need supplies. However, individual auto insurance companies are only there to make profits. Government need add a policy as soon as possible to the auto insurance law, so that insurance companies won’t be able to charge high premiums on young adults after being in an

Argumentative Essay: The Classic Car Image

When we look at the classic Car image, it reminds us of the experiences that surround our daily lives. The Classic Car image is in black and white which reminds us of the picture realities that held sway some decades ago. I do not readily understand all that transpired in the wreck of this car. However, some points are quite easy to note. It shows that the beauty of every vehicle is not just in its outward design but in its safety features. This shot was taken from one of the vehicles parked in the Alaska Car Museum. There are so many stories that surround the cars in this iconic location.

Argumentative Essay On Affordable Care Act

The Patient Protection and Affordable Care Act passed by President Barack Obama is a significant change of the American healthcare system since insurance plans programs like Medicare and Medicaid (“Introduction to”). As a result, “It is also one of the most hotly contested, publicly maligned, and politically divisive pieces of legislation the country has ever seen” (“Introduction to”). The Affordable Care Act should be changed because it grants the government too much control over the citizen’s healthcare or the lack of individual freedom to choose affordable health insurance.

Indiana Graduated Drivers License

“Traffic accidents are the leading cause of death for American teenagers, accounting for about a third of all deaths in that age group” (Crisp). In actual numbers, motor vehicle crashes kill more than 5,000 teenagers every year (Gregory). These statistics are frightening and have led more than 50 percent of adults to support higher required ages for drivers’ licenses (Gregory). Teenagers, though, say this would be unfair and would make their lives difficult. Meeting the needs of Indiana teenagers while still keeping them and other drivers safe can be accomplished by a more restrictive graduated licensing law.

Teens Should Not Be Allowed To Stay In High School Essay

Teens should not have to wait until they earn a high school diploma to drive. When a teen graduates high school they will have to go out into the real world with no experience of driving. If they get it two years prior to graduating there is plenty of

Raising The Driving Age Essay

Driving at the age of sixteen is perfectly okay with people who does not seem to care because he or she feels as if someone gets into a car they are automatically going to put all attention into driving the vehicle which is not true nowadays because teenage drivers feel the need to be on a cell phone or trying to control the radio and trying to get dressed or put on make up when he or she should only be focused on operating the car. As the CDC stated “High school students aged 16 years and older who, when surveyed, said they had driven a vehicle one or more times during the past 30 days when they had been drinking alcohol.” ("Teen Drinking and Driving"), high school students are actually drinking when they should not be anywhere neat alcohol beverages and be able to drive. Based on these facts “Teens are more likely to speed, run red lights, make illegal turns, ride with an intoxicated driver, and drive after using alcohol or drugs.” (Only the Strong Survive "Teen Driving Crash and Fatality Stats"), teenagers are most likely to one ride with a intoxicated driver, and two driver after using alcohol or drugs which proves my point that teenagers should not be able to drive at such a young

Argumentative Essay On The Affordable Care Act

Less than a quarter of uninsured Americans believe the Affordable Care Act is a good idea. According to experts, more than 87 million Americans could lose their current health care plan under the Affordable Care Act. This seems to provide enough evidence that the Affordable Care Act is doing the exact opposite of what Democrats promised it would do. On the other hand, this law includes the largest health care tax cut in history for middle class families, helping to make insurance much more affordable for millions of families. The Affordable Care Act has been widely discussed and debated, but remains widely misunderstood.

Increasing the Driver´s Age

Car crashes are the leading cause of severe injury and death among teenagers. "In 2010, seven teens aged 16-19 died everyday from motor vehicle injuries." (Injury Prevention and Control: Motor Vehicle Safety) The reason these accidents are happening is because too many teens are getting behind the wheel without enough experience or common sense. Many studies have shown that teens are more likely to be distracted, experiment with drugs and alcohol, and take more risks in general with their vehicles. Many states have tried to negate these risks buy increasing the amount of experience a teen driver must need but the statistics show that may not be enough. There are many ways we can decrease the amount of accidents and deaths to our teen drivers, one of which is increasing the age to get a driver's license.

Informative Essay: The Importance Of Car Insurance

Car insurance is a very important aspect of driving that all motor vehicle owners should look into. It is underutilised with only around 35% of all road users having had their motor vehicle/s insured. This leaves many drivers in financial debts as they are unable to pay, either the medical expenses due to a collision or the physical damage done to the vehicle, as they are not covered.

Raising the Legal Driving Age to 18: A Perspective

With as common as fatal car crashes are, it is no wonder that new drivers are not confident while driving. According to the Insurance Institute for Highway Safety, “A total of 2,524 teenagers ages 13-19 died in motor vehicle crashes in 2013,” (“Teenagers”). Allowing teenagers to start driving at

Persuasive Essay On Cars

People around the world are constantly moving from place to place. Whether that place is work, a restaurant, or home, people require a means of transportation in order to arrive at a desired destination safely and efficiently. One of the most used means of transportation today are cars. Cars play an important role in the world’s economy by transporting goods and people. Automobiles have come a long way since Ford’s first Model T, and the auto industry plans to further enhance the technology and capabilities of the cars that drive on our roads. New technological advancements like rear-view camera, self parking, and auto braking have greatly improved the overall safety of cars today. However, one of the most talked about ideas are autonomous

Driving Age Essay

Those accidents which most of the time are caused by young drivers are caused for many reasons, like not paying attention to driving or being mature enough taking driving more seriously. While many people argue over these accidents taking place they think that they should not allow people to get their license at 18 years of age, and even though I need my license I think they should definitely change the age or make them take driving classes before handing them their license. Even though people get their license because they have passed their driving test and signs test, it causes trouble in the road once they start driving. First of all we should all admit that the vast majority of new drivers are reckless drivers because they don’t follow road rules and they are distracted easily. For some reason new drivers get distracted easily because they seemed to be addicted to their phone and can’t put it down for one second and that’s a serious problem. When these new drivers get out there you see as they’re on their phones every time, while waiting at a light, while driving, and even when they’re putting in gas for their cars. It has caused a whole lot of trouble because when driving they get distracted and don’t pay attention to the road causing them to crash and injure or even kill someone who’s walking across the street or simply another car. That’s a

Essay On Teenage Driving

Many accidents are caused because teenagers are unaware of driving risks and hazardous situations. One piece of evidence that shows that teenagers need driving experience appears in the following quote, “Teens are more likely than older drivers to underestimate dangerous situations or not be able to recognize hazardous situations,” ("Teen Drivers: Get the Facts"). Teenagers will not have enough driving experience if the driving age is lifted. If teenagers are allowed to drive at sixteen then they will be prepared to drive later on. The longer one waits to drive, the longer it takes for them to become prepared for the risks and hazards of

Teen Drivers Research Paper

As expected, most if not all teens will disagree with that. But there are some safe teen drivers that are thrown into the bad teen driving category just because they are a teenager that drives. If there are some good teen drivers, then do all teens really need more drivers education? Samantha Williams is a senior at Winchester Community High School that has an answer to this question. “I do consider myself to be a safe driver. I’m always aware of my surroundings when I’m driving, and I always stay away from any distractions” (Question 1). She is intentionally aware of her surroundings and stays focused while driving. The government should not make more regulations and rules for all teen drivers when there are many teen drivers like Samantha on the roads. There are even some adults that believe not all teen drivers are bad drivers. Gregory explains, “ The teen driving issues are not about age and maturity as they are about making good choices and demonstrating exceptional behavior, whether they start that driving experience at 16, 17, or 18” (1). Many teens and parents seem to think the government has not made the best decisions recently when it comes to

Pros And Cons Of Lowering The Driving Age

The main reason the driving age should be raised, it will be a decrease in car accidents for 16-18 year-olds. Driving is one of the most dangerous things people do on a day to day basis. Teenagers are at a high risk of being in an accident than an older driver. A study show of car crashes during the past two years found a high proportion of newly licensed drivers have serious accidents. Drivers 16-18 are commonly known for speeding, fatigue, alcohol and not wearing seat belts lead to car crashes. More than 5,000 U.S. teens die each year in car crashes. The rate of crashes, fatal and nonfatal, per mile driven for 16-year-old drivers is almost 10 times the rate for drivers ages 30 to 59, according to the National Highway Safety Administration.(.2...)

Teens Driving: Why Teens Should Be Permitted

One reason teens should be able to drive is because good drivers should not be penalized for the reckless driving of others. Although teens are the first name summoned upon when a reckless driver appears, it is not always a teenager speeding along the highway. Possibly, it's a businessman late for a meeting. There are mature teens out there on the road as well as immature teens. Every teen's parent worries about their children when they are handed the keys to their car. One worry is that when they arrive home, if they arrive home, they would arrive with a fine or dents upon the car. Nonetheless, a second worry is that the teen will not be arriving at the house at all, due to an accident that may have occurred. Handing a car to a teen is a test of maturity, to see whether or not they can be responsible with their parents' property. With a mixture of good and...

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Persuasive Essay On Car Insurance

receiving the traffic ticket isn’t ones end of an world. all of us all have got one. But if you’ve acquired some tickets in a great short variety involving time, you 've got a good tough date receiving your current Least difficult auto insurance rates. Take heart, though: High premiums because the connected with driving mistakes aren’t the life sentence, AND You can take measures on the meantime to be able to minimize your car insurance costs. How much It 's going to hurt Don’t freak out regardless of whether you’ve gotten the 1st ticket. Not every offense will probably boost your premiums. Your team of Motor Vehicles will assign penalty “points” to the …show more content…

throughout a few instances, an infraction won’t zero from the Log regardless of whether an individual attend a good state-approved driving stability course. You’ll still have to cover your current ticket, AND ALSO a fee for its course, but your time frame ALONG WITH expense tend to be worth This to help keep your insurance rates down. plus You 'll know The best way to avoid future tickets. Understand This each insurance business features its own method of setting premiums. That’s why it’s so important to obtain car insurance quotes through several carriers, whether or not your driving Record is actually clean or even spotty. How long can the insurance company count a good ticket against you? That depends with how prolonged ones state leaves basic steps with your current Wood — usually between 12 AND ALSO 36 months, says Esurance. But even soon after your current simple measures are usually removed, ones offense will probably show up on your own DMV Wood AND principle off insurers. Tips for you to keep car insurance premiums low While you’re waiting with the points in order to drop off your current record, follow these steps to get your current Best auto insurance rates possible: Drive safely, and so that you don’t rack up additional taking

DWI Conviction

You will also lose your license for up to two years. Penalties for your second and third DWI are even higher. For the second offense, you will face a fine of up to $ 4,000, and the third time will result in a

Pros Of Speeding

No matter how careful of a driver you may be, sometimes mistakes happen and that 's okay as long as you learn from them, or they could cost you big. Every state has their own rules and fines in regards to traffic violations. Here is a mini guide to speeding tickets in NY in comparison to other states, so you can be well informed just in case a traffic stop occurs. How much will a speeding ticket in NY cost me?

Failure To Appear In Court

Pay the fine at the court. You can usually skip your next scheduled court appearance by paying your fine. Just remember, you are still subject to arrest until you post bail. 3. To garner information about your case, like if a warrant was issued for your arrest, you need to contact the court and ask.

Personal Narrative-Speeding Ticket

I roll up the car window on my barely one-year-old bright red Honda Accord, and watch the cop slowly drive away. When he’s out of sight, I look down and fixate on the small, pink paper in my lap. I try to read the words on it but my head 's still spinning I’m so dead. What are my parents going to say? There goes the rest of my summer.

Third DUI Essay

Third DUI Offense A third DUI charge can mean a felony conviction. A felony conviction for DUI can affect your credit, educational opportunities and employment. Mandatory jail time, probation, the loss of your driver 's license for up to 5 years, and fines up to $5,000 plus court costs are a possibility with a 3rd DUI conviction.

Essay On Drunk Driving

One area that you need to be prepared for is DWI insurance premiums. Once your insurance company finds out you have been convicted of a DWI you will likely have to pay more because you are considered a high risk driver. It is possible that your insurance company won 't find out about the DWI and therefore your insurance rates won 't be affected. It also depends on the regulations of your own insurance company. If you do get a DWI and you have a very good record with your insurance company it is worth talking to them about the situation.

Informative Speech Outline: Driving While Intoxicated

Legal Issues A. If you are convicted, you will face a substantial fine, a mandatory surcharge, license revocation, higher insurance premiums, and possible incarceration. (NCADD, 2015) 1. Imagine having to pay hundreds of dollars just because you were drinking and driving. 2.

Persuasive Essay On Health Care

Insurance companies are making a huge amount of profit. The profit that these

Persuasive Speech Outline On Retesting Drivers

Topic: Retesting Drivers After the Age of Seventy Specific purpose: Inform audience of the dangers of elderly driving and persuade their opinion towards retesting licenses after the age of seventy. Thesis: Reevaluating the policies concerning driver’s license retesting and taking notice of these potential threats can lead to a safer environment on the roadways. Introduction I. Attention-getting device: How many of you have ever been stereotyped as a bad driver due to your age?

Persuasive Speech On Drinking And Driving

It would also be a $150 fee to get your license back . Another reason why drinking and driving is really bad because you have to pay a lot not only for your car but a big fine for breaking the law. Your car will also get the impounded by the cops. On March 29,2011 InsuranceHotline stated, a 40-year-old that has been drinking and driving crash before are expected to pay between 7,000- 11,000 for insurance. However, you still have to pay a minimum of $600 for a criminal code conviction.

Demerit Point System

Each time you are convicted of violating a traffic law, a certain number of demerit points will be added to your driver’s license, depending on type of law broken. Demerit points stay on your record for 2 years and are then removed, and can be obtained outside of Ontario, such as in other Canadian provinces. Some examples of infractions include: Infraction # of demerit points added Failing to remain

Drunk Driving Proposal Essay

A typical person that is accused of drunk driving is convicted of a very small punishment a fine, short period time in jail or restriction use is the typical punishment. Which sends the message law officials have let drunk drivers get away with their crimes by the time of arrest they have already drove well over 80 while drunk

Persuasive Essay On Pet Insurance Plans

Insuring your family in case of an accident or illness is the best thing you can do. This is also true for your four-legged family members. Choosing the best pet insurance plan can give you peace of mind and also cut veterinary costs significantly. If you’re thinking of getting pet insurance for cats or dogs, you’re on the right track.

Medical Insurance Essay

Medical insurance is a vital part of people’s lives. Without medical insurance it would be hard for most people to afford to go to a doctor for treatment. Not only the cost of paying out of pocket fees for medical insurance but also for deductibles. You can also commit fraud very easily if you are not aware of how to properly fill out an application for medical insurance. There are also many different types of medical insurances that you can apply for, and compare prices if you are having to pay out of pocket expenses.

Essay On The Cause And Effect Of Speeding

Most people don’t want to waste money on a ticket fee, so they think about this before they start speeding. There are also costs when you go to court which can be avoided by not speeding. Going to court and getting a ticket goes on your driving record, and that’s where other issues can come up. As an effect of all of tickets, it causes you insurance to go up.

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Essay about Car Insurance

How Car Insurance Rates are Determined According toUsinsuranceagents.com, “Insurance is the only product that both the seller and buyer hope is never actually used.” Everyone knows that by law car insurance is required for everyone who owns a car. It is also common knowledge that things like getting speeding tickets, DUIs, and getting into car accidents will affect your insurance, which are factors that you can pretty much control. However, what some people don’t know is car insurance isn’t all about what you do, but who you are. The main characteristics that effect a person’s insurance is their driving record, age, gender, and where they live. Car insurance rates are mainly based on statistics. After understanding what factors influence car insurance, it will be easier to see what can be done to change them. The most important thing that affects your car insurance rate that you have the most control over is your driving record. According to nhtsa.gov, “In 2012 there were an estimated 9,754,000 vehicles involved in police-reported traffic crashes.” With most car insurances it doesn’t matter who causes the car accident, everyone involved has an increase rate on their insurance. This makes drivers not only reasonable for their driving but, others as well. To avoid accidents it always good to stay alert and double check blind spots. Another thing to be careful of is DUIs. According to thelawdictionary.com “ DUIs stay effect car insurance rates up to five years in most states and even more in others.” Simply not driving under the influence of drugs or alcohols, including prescription drugs, is the best way to prevent high rates. Also, keeping track of speeding tickets and fines is important. According to hotline.com not only does speeding tickets and fines raise insurance rates, but getting too many of them will result in a suspended license. A suspended or cancelled license causes rate to go up as well. Looking at how someone’s driving record effects their insurance, it is pretty clear to see that it is pretty easy to control driving records. But not all factors of car insurance is as controllable as a driving record though. Where a person live if a factor of how much they have to pay for car insurance. According to Progressive.com “Your location directly impacts your rates.” Generally people in rural areas pay lower insurance than those who live in urban areas. And people who live in the suburbs pays somewhere in the middle. The reason for this is that is has been shown that people living in heavily populated places are more likely to get into car wrecks, get their cars vandalized, or get their car stolen. Along with whether a person lives in a rural area, city, or suburb, how fast emergency respondent come to an accident determines higher or lower rates. According to avvo.com, another factor that can affect where a person lives is weather and road conditions. Areas were the weather can be a likely culprit for an accident, insurance is more than likely going to be higher. A person changing where they live is a may be a possible question. However there are some factors of car insurance that no one can change about themselves. How old someone is cannot be change but, a definite factor for car insurance. According to Crikey.com, teenagers and the elderly are the most dangerous drivers. Typically when teenagers cause accidents, it is due to something reckless such as speeding, not paying attentions to their surrounding, or texting while driving. And on average when they cause a car accident they not only hurt themselves but, are more likely to injure someone else. But driver 65 years and older usually cause accidents due to them not able to see, healthy conditions, and delayed reactions. Most of the times when the elderly cause a car wreck, they only injure themselves. So due to these statistics teenagers and the elderly normally have to pay higher rates. Just because an individual Show More

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New York Attorney General Questions Trump’s $175 Million Bond Deal

Letitia James said in court papers that the California company providing the guarantee was not qualified to do such deals in New York.

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By Ben Protess and Matthew Haag

The New York attorney general’s office on Thursday took exception to a $175 million bond that Donald J. Trump recently posted in his civil fraud case, questioning the qualifications of the California company that provided it.

The dispute stems from a $454 million judgment Mr. Trump is facing in the case, which the attorney general’s office brought against the former president and his family business. The attorney general, Letitia James, accused Mr. Trump of fraudulently inflating his net worth, leading to a monthslong trial last year that ended with a judge imposing the huge penalty.

Mr. Trump had to obtain the bond as a financial guarantee while he appeals the penalty — or else open himself up to the possibility that Ms. James would collect. Without a bond in place, she could have frozen his bank accounts and begun the complicated process of trying to seize some of his New York properties.

Mr. Trump appeared to stave off this calamity on Monday when he posted the $175 million bond from the California firm, Knight Specialty Insurance Company. Although he was originally required to secure a guarantee for the full $454 million judgment, an appeals court recently granted him a break, allowing him to post the smaller bond.

By providing the bond — which is a legal document, not an actual transfer of money — Knight essentially promises New York’s court system that it will cover $175 million of the judgment against Mr. Trump if he loses his appeal and fails to pay. In return, Mr. Trump pays a fee to Knight, and pledges it a significant amount of cash as collateral.

Now, however, Ms. James is raising questions that could imperil the deal with Knight, which is owned by Don Hankey, a billionaire who made his fortune with subprime loans . And the judge in the case, Arthur F. Engoron, has tentatively scheduled a hearing for April 22 to discuss the bond.

In a court filing on Thursday, Ms. James noted that Knight was not registered to issue appeal bonds in New York, and so she demanded that the company or Mr. Trump’s lawyers file paperwork to “justify” the bond within 10 days. Ms. James is seeking to clarify whether Knight, which had never posted a similar court bond before aiding Mr. Trump, is financially capable of fulfilling its obligation to pay the $175 million if Mr. Trump defaults.

Even if Knight lacks the funds itself, the company should be able to tap the collateral Mr. Trump pledged.

In an interview this week, Mr. Hankey said that Mr. Trump pledged $175 million in cash as collateral that was being handled by a brokerage firm. Mr. Trump, in the meantime, is able to earn interest on the money.

In a statement on Thursday, a lawyer for Mr. Trump, Christopher M. Kise, slammed Ms. James, calling her case a “baseless and vindictive political crusade” and her objections to the bond an effort “to stir up some equally baseless public quarrel in a desperate effort to regain relevance.”

Mr. Hankey and Amit Shah, the chief executive of Knight Insurance Group, the parent company of Knight Specialty Insurance Company, did not immediately return requests for comment on Thursday. Mr. Shah told CBS News that Knight had the authority to issue the bond through Excess Line Association of New York, a nonprofit created by New York State that serves as a facilitator between brokers and regulators.

In the earlier interview, Mr. Hankey said he had made contact with representatives of Mr. Trump after a New York judge in February imposed a $454 million judgment in the former president’s civil fraud case and offered to help him post bond. Mr. Hankey said his motivation was business, not politics.

Knight Insurance Group is one of eight companies under the Hankey Group, all based in Southern California. Mr. Hankey earned a reputation as a provider of risky and lucrative loans, specifically collateral-based debt that can be arranged more quickly than conventional loans and requires borrowers to pledge valuable assets.

His companies are known for relentlessly calling people who miss payments by a day, and repossessing vehicles from delinquent borrowers, according to news accounts and regulators.

Mr. Hankey said representatives of Mr. Trump called him after the appeals court lowered the bond to $175 million and asked if his company could arrange the bond.

“I said, ‘We’d be happy to,’” Mr. Hankey said on Wednesday. “I would have done this for Donald Trump. I would have done it for a Democrat.”

Ben Protess is an investigative reporter at The Times, writing about public corruption. He has been covering the various criminal investigations into former President Trump and his allies. More about Ben Protess

Matthew Haag writes about the intersection of real estate and politics in the New York region. He has been a journalist for two decades. More about Matthew Haag

Our Coverage of the Trump Hush-Money Case

The manhattan district attorney has filed charges against former president donald trump over a hush-money payment to a porn star on the eve of the 2016 election..

Taking the Case to Trial: Trump is all but certain to become the first former U.S. president to stand trial on criminal charges after a judge denied his effort to delay the proceeding and confirmed it will begin on April 15 .

Implications for Trump: As the case goes to trial, the former president’s inner circle sees a silver lining in the timing. But Trump wouldn’t be able to pardon himself  should he become president again as he could if found guilty in the federal cases against him.

Michael Cohen: Trump’s former fixer was not an essential witness in the former president’s civil fraud trial in New York  that concluded in January. But he will be when he takes the stand in the hush-money case .

Stormy Daniels: The chain of events flowing from a 2006 encounter that the adult film star said she had with Trump has led to the brink of a historic trial. Here's a look inside the hush-money payout .

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NY state is demanding more information on Trump’s $175 million appeal bond in civil fraud case

Donald Trump suffered a big blow Friday as a New York judge ordered the former president and his companies to pay $355 million in penalties for what the judge described as a scheme to deceive banks and insurers by exaggerating his wealth on his annual financial statements. (Feb 16) (AP production by Javier Arciga)

Republican presidential candidate former President Donald Trump takes the stage before speaking Tuesday, April 2, 2024, at a rally in Green Bay, Wis. (AP Photo/Mike Roemer)

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NEW YORK (AP) — Days after former President Donald Trump posted a $175 million bond to block New York state from imminently collecting on a huge civil fraud judgment , state lawyers Thursday called for more information on the bond’s bona fides.

State Attorney General Letitia James’ office filed papers giving Trump’s lawyers or the bond underwriter 10 days to “justify” the bond — essentially, to show that the company can make good on it. That could mean disclosing more about the collateral Trump provided.

A hearing was set for April 22.

One of Trump’s lawyers, Christopher Kise, said James was trying to provoke a “baseless public quarrel in a desperate effort to regain relevance” after an appeals court last month significantly cut the amount of the bond needed to hold off collection.

“Yet another witch hunt!” Kise wrote in an email.

A message seeking comment was left for the underwriter, Knight Specialty Insurance Co.

The bond , posted Monday, at least temporarily stopped the state from potentially seizing Trump’s assets to satisfy the more than $454 million that he owes after losing a lawsuit trial. The case , brought by the Democratic attorney general, alleged that Trump, along with his company and key executives, defrauded bankers and insurers by lying about his wealth.

The ex-president and presumptive Republican nominee denies the claims and is appealing the judgment .

By posting the bond, Trump aimed to stop the clock on enforcement of the judgment during his appeal. But it hasn’t gone entirely smoothly.

First, the court system kicked back Monday’s filing for more paperwork, including a financial statement from Knight Specialty Insurance. That was filed Thursday, showing that the company has over $539 million in assets and related reinsurer Knight Insurance Co. Ltd. has over $2.1 billion.

Then James’ office filed notice that it “takes exception to the sufficiency” of the bond — a move that judgment winners can make to get more information from out-of-state underwriters, in some circumstances.

Knight Specialty Insurance is a Wilmington, Delaware-based part of the Los Angeles-based Knight Insurance Group.

The attorney general’s notice doesn’t request specific information. But “justifying” generally means demonstrating that the underwriter is financially sound and able to pay the bond amount if the judgment is upheld.

A state appeals court also has held, in an unrelated case, that there needed to be a showing that a bond was “sufficiently collateralized by identifiable assets.”

Knight Insurance Group Chairman Don Hankey told The Associated Press Monday that cash and bonds were used as collateral for Trump’s appellate bond.

Eric Trump, a son of the former president and a top executive in his company, said in a social media post Thursday that the bond was backed entirely by cash.

The attorney general’s objection “is just another example of the absurdity and foolishness that have been the underlying theme throughout this circus of a case,” the younger Trump wrote on X, former Twitter.

He and his brother, a fellow Trump Organization executive vice president, Donald Trump Jr. were also defendants in the fraud suit. They were found liable and ordered to pay $4 million apiece.

All told, the judgment against Trump, the sons and other defendants totals more than $467 million, growing daily with interest.

Associated Press writers Michael R. Sisak in New York and Brian Slodysko in Washington contributed.

Car Insurance Questions

Show More Most of us have what would be best termed as basic knowledge of car insurance procedures and practices. That doesn’t help much when it comes time to take a new policy. Before you do, you should be ready with questions to ask when shopping for car insurance, that will help cover the finer points of a policy. The idea isn’t to get the best policy possible, or even the cheapest, but rather one that offers the best value for the money. Here are 10 questions that will help you to accomplish that goal. Will my policy cover other drivers of my vehicle? Naturally, your policy will cover you while you are driving your own vehicle. But what happens if a family member is driving your car on a run to the grocery store? Or a friend borrows it to run …show more content… But some companies also offer you a discount if you pay by credit card – presumably this will make it easier for you to make an annual payment. This is one of the easiest ways to save money on your premium, which is why it is a question you should always ask. How will my car be repaired following an accident? This question relates primarily to the parts that will be used in the repair. Will the repairs be completed using brand-new parts, and if so, up to what age of the car? Or will repairs be completed using second hand parts? Coverage may be less expensive if secondhand parts will be used, but do you really want to have 10-year-old parts put into your two-year-old car? Does the policy include towing and roadside assistance, and is it available on a 24/7 basis? Towing is typically available for either an accident or a mechanical breakdown while you’re on the road. This is important because such episodes tend to happen without warning. Roadside assistance is also valuable, because sometimes all you need is to have a flat fixed, or to have your battery jumped. Having this coverage will save you a considerable amount of money, as opposed to calling a local

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