Is there such an insurance plan for teachers or someone in the education industry?
Jane
Bellaire, TX.
Jane,
It is proven statistically that teachers have better accident records and have lower records of reported claims than other drivers. Teachers have lower insurance because they are typically more alert. There is an insurance program particularly for teachers entitled the Teachers Insurance Plan. Under this plan, both active and retired teachers may obtain insurance coverage at a more affordable cost. This is a reward for the wonderful driving plan of teachers.
You are eligible to use the Teachers’ Insurance Plan if you are currently teaching or are a retired education professional. It is great that many insurance companies reward the education community for good driving habits with savings for teachers and other education professionals who are the pillars of their communities.
A DUI conviction may also carry indirect penalties, such as increased
automobile insurance rates and limitations on future employment opportunities.
Of course, employment opportunities may be naturally limited by the
transportation problems created by a DUI license suspension, but increasingly the conviction itself may preclude work in certain fields or with certain companies.The powerful lobby of organizations like MADD bringing constant publicity to the issue, and the growing ease with which employers can conduct criminal background checks, that impact is spreading beyond fields directly requiring a clean driving record.
Wherever you live in the United States, you should carry auto insurance. Most states require it, along with minimum coverage levels you must buy. In states that don’t require auto insurance, you must show that you have enough assets in case you cause an accident, and if you don’t have enough assets you then have to buy auto insurance.
However, the state minimum is not necessarily “adequate.” The Insurance Information Institute recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.
How to read liability limits
Here’s how to read the following table of liability minimums.
First number: bodily injury liability maximum for one person injured in an accident.
Second number: bodily injury liability maximum for all injuries in one accident.
Third number: property damage liability maximum for one accident.
Thus, in Alabama, for example, the minimum liability limits are $20,000 for injury liability for one person in an accident, $40,000 for all injuries in an accident, and $10,000 for property damage in an accident.
What is no-fault?
If your state has a “no-fault” auto insurance law, your auto policy must pay medical bills for you and your passengers regardless of who caused the accident. No-fault laws are intended to keep insurance fraud down.
State Liability required? Liability minimums (in thousands of dollars) PIP required? No-fault state? Uninsured motorist coverage required?
The consequences of Driving Under The Influence, or DUI, charges
are far reaching. The criminal justice system can be a complicated process and the penalties of a DUI are quite severe. You should be aware that in some cases, those convicted of a DUI are subject to significant fines, legal costs, court costs, and even jail time.
Every person facing this charge is in need of a good defense and protection of their rights. The reason you need to obtain an experienced DUI lawyer is that research shows that many individuals arrested and charged with DUI are not guilty because they haven’t had too much to drink. While the State has a duty to enforce the law, persons accused of crimes such as driving under the influence are still innocent until proven guilty.
Is it true that teachers can get discounted Insurance?
Helen
Spring, Tx.
Helen,
It is proven statistically that teachers have better accident records and have lower records of reported claims than other drivers. Teachers have lower insurance because they are typically more alert. There is an insurance program particularly for teachers entitled the Teachers Insurance Plan. Under this plan, both active and retired teachers may obtain insurance coverage at a more affordable cost. This is a reward for the wonderful driving plan of teachers.
