How about these right… I think you’ll find the following nuggets of wisdom particularly insightful. Leave your comments below. Check out the second one in particular…

DUI Auto Insurance-The High Cost of Car Insurance after DUI or DWI …

The impact of being charged with driving under the influence (DUI) or driving while intoxicated (DWI) spans more than just appearing in court and.

Insurance: Hints: Dwi Auto Insurance

Not everyone has the auto insurance minnesota into the auto insurance lakeland to not only what you will then need to contact every insurer is going to have for your coverage in your phone book. It can also be done on the dwi auto …

First Offense DWI Fairfax Virginia?

Last weekend I got a DWI in Fairfax Virginia. I blew a .14 and I have a clean driving record and this was my first offense. I'm willing to spend up.

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How and Why to Hire a Virginia DUI Attorney

Consequences that can flow from a Virginia DUI conviction can include: loss of your drivers license, vehicle impoundment, heavy fines, court costs and extensive administrative fees, probation, jail, etc. If you are found guilty of DUI, your conviction can give you a permanent criminal record. This can have even bigger consequences such as loss of your job or being prevented certain future employment. There are other somewhat hidden penalties for these convictions. Virginia DUI laws are strict – and the punishments are often harsh.

Within the Code of Virginia, the following is written into law concerning the operation of motor vehicles while under the influence of alcohol. It shall be unlawful for any person to drive or operate any motor vehicle, engine or train (i) while such person has a blood alcohol concentration of 0.08 percent or more by weight by volume or 0.08 grams or more per 210 liters of breath as indicated by a chemical test administered as provided in this article, (ii) while such person is under the influence of alcohol, (iii) while such person is under the influence of any narcotic drug or any other self-administered intoxicant or drug of whatsoever nature, or any combination of such drugs, to a degree which impairs his ability to drive or operate any motor vehicle, engine or train safely, (iv) while such person is under the combined influence of alcohol and any drug or drugs to a degree which impairs his ability to drive or operate any motor vehicle, engine or train safely, or (v) while such person has a blood concentration of any of the following substances at a level that is equal to or greater than: (a) 0.02 milligrams of cocaine per liter of blood, (b) 0.1 milligrams of methamphetamine per liter of blood, (c) 0.01 milligrams of phencyclidine per liter of blood, or (d) 0.1 milligrams of 3,4-methylenedioxymethamphetamine per liter of blood. A charge alleging a violation of this section shall support a conviction under clauses (i), (ii), (iii), (iv), or (v).

Some of your friends or loved ones may advise you to represent yourself in court, or to retain an attorney that does not concentrate their practice on Virginia DUI Defense. Given the complex nature of these charges and the potential penalties you could face, you need to protect yourself from losses of your rights and privileges. Hire a top Virginia DUI Attorney with the experience and aggressive defense you need to fight your DUI charge.

By selecting the right Virginia DUI Attorney, you can trust you are in the hands of an expert in this area who knows how to navigate the laws, the courts, and most importantly, keep these charges off your record.

Don’t let a Virginia DUI ruin your record. As a former Prosecutor and current Virginia DUI Attorney Michael Robinson has seen thousands of these cases. With a proven track record, Michael has the aggressive defense and reputation you need to fight your Virginia DUI charge and protect your record.

If you prefer, you may call Michael Robinson directly to discuss the information in the DUI case evaluation form. He can be reached at 703-657-9867.

About The Author

A Virginia native, Michael was born and raised in Christiansburg, Virginia. Michael attended Radford University where he majored in Political Science and minored in English. After college, Michael worked for several years, saving money for law school. He then moved to Virginia Beach with his wife, and he began his legal studies at Regent University in Virginia Beach.

After law school, Michael took and passed the Virginia Bar Exam on his first try; a true accomplishment considering Virginia is one of the nation’s hardest bars exams to pass. After passing the bar, Michael began his legal career in the Newport News Office of the Commonwealth’s Attorney. There, Michael was assigned to the Juvenile and Domestic Relations (J&DR) team where he was responsible for the prosecution of misdemeanor and felony cases in the J&DR Court and Circuit Court. While serving in that position, Michael prosecuted thousands of cases involving: domestic violence, violation of protective orders, drug possession and distribution, larcenies, robberies, malicious and unlawful wounding, rape, child sex crimes, and probation violations – just to name a few.

While Michael loved the Commonwealth Attorney’s Office in Newport News, his wife received a wonderful job opportunity in McLean, Virginia. At that point, he sought jobs in Northern Virginia which would allow him to continue to prosecute. Michael and his family moved to Northern Virginia and he picked up where he left off, prosecuting in Fauquier County (Warrenton), Virginia. While there, Michael prosecuted cases in the General District Court (GDC), the J&DR Court, and the Circuit Court. His cases varied from common traffic violations to serious felonies.

Michael left the Commonwealth Attorney’s Office in Fauquier to open Robinson Law, PLLC. His plan was simple: work hard, keep your overhead low so clients do not have to pay an arm and leg for legal services. Robinson Law was born and Michael has not looked back since. Since starting Robinson Law, Michael has helped clients throughout Virginia in a variety of criminal law and family law situations and has represented the interests of children as a Guardian Ad Litem.

Next to buying a house, buying a car is the biggest financial investment most people make. There are many costs associated with owning and operating a motor vehicle and because of this, most people are looking for ways to cut them down. One big area of potential savings that many people overlook is the cost of their insurance policy on the vehicle. There are cheap vehicle insurance policies out there, it just takes some preparation before applying for a policy to get them. Below is a list of three great ways to make sure that the car insurance coverage you obtain is at the lowest rate possible.

1) Show the insurance company that your vehicle is safe. When a car insurance company insures a vehicle, they are insuring two parties – the primary driver of the vehicle and the vehicle itself. One of the best ways to get low rates is to show the insurance company that the vehicle itself is as safe as it could be from potential damage or theft. Install anti theft devices, install safety features that make the car better able to perform and avoid road dangers, and store the car in safe and preferably enclosed structure when you are not driving it.

2) The other part of the insurance policy covers you. Show the insurance company that you are a safe driver. The biggest discounts on rates are given to those who demonstrate that they are unlikely to ever get in an accident, therefore are unlikely to ever make a claim. First, don’t get any tickets. Tickets show lack of care while driving. Second, take a voluntary driving safety class. This will show that you are committed to driving safely. Last, install safety driving measures on your vehicle.

3) Go with the highest deductible. If you are a safe driver and have properly protected your vehicle, there is a low chance of ever having to make an insurance claim. Many people make the mistake of choosing a low deductible amount. The differences in rates between the lowest deductible offered and the highest is significant. Choose the highest for the best cheapest vehicle insurance rates possible.

In order to get the lowest auto insurance estimate possible, you need to take advantage of every discount currently being offered by the auto insurance companies. To learn more about them, visit the Auto Insurance Discounts Directory.

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Fear of divulging confidential user details are possible reason people do not really take much interest in online auto insurance quotes. Insurance firms attest to this fact and this accounts for why most of them are now prepared to amend certain requirements users must meet to get one. Frankly, the more details you provide the more improved your chances of getting a fair and precise quote. All the same, users should not be bothered by this because they can still get a fair idea of what the premium will eventually look like.

The fact that users have more options to pick from even makes the task easier. Some companies may require you to reveal too many personal and confidential details about yourself, if this happens, please move over to another one. Actually, some will require only a little from you, but in the end request for more information should you want accurate quote. To be sure, of what you are doing, you must at least be able to provide the following details online: the year your car was manufactured; the model; the age; accident or records of repairs; your age and a few other details. In addition, you may be asked to provide previous citations giving to you in the most recent past.

Aside from the above details, you may also be asked to furnish the insurance company of where you work and where you reside. The more details you provide the more you are certain to get good quote that is suitable for you online. I may just add that you must know that, your profession determines the kind of premium you get in the end.

Getting cheap auto insurance rates is possible, but you must be ready to provide more information before you can enjoy it. Auto insurance quotes can be made online free, but you must also know that what matters most is how to get the best quotes for your car. Other things could determine whether you are qualified to get some discounts. Completing a safe driving course for instance could have some positive impact on the outcome of your attempt to get a good deal insuring your car.

In conclusion, it is imperative for you to provide enough information about your driving habit as well as the general state of your vehicle in order for you to get a cheap and favourable auto insurance rate. Information is the key word here.

Want more reliable information on how to get good deals when insuring your car? CLICK HERE!

For more useful tips and resources on getting cheap rates when insuring your car, VISIT http://autoinsurancecomparison.info/

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How about these right… I think you’ll find the following nuggets of wisdom particularly insightful. Leave your comments below. Check out the second one in particular…

Free Auto Insurance Quotes -Discount Auto Insurance Quotes | Pyars.com

2getinsured.com We make Getting an Discount Auto Insurance Quotes as easy as 1, 2, 3. Compare your Discount Auto Insurance.

Finding Discount Auto Insurance Quotes | Post Articles Online

If you're looking for discount auto insurance quotes there are several online sites that can help you. The online services work with a search and referral.

Discount auto insurance » Blog Archive » Where Can I Buy Cheaper …

This entry was posted on Tuesday, April 13th, 2010 at 12:26 am and is filed under Discount auto insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site. …

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American Car Insurance

You can get american car insurance quotes online. You can sit in the comfort of your home and get quotes from several insurance companies for the best rates for your auto insurance.

Do your homework first. Make sure you are familiar with state limits and requirements. Know what you want. You can save money with minimum limits as required by the state, but higher limits will protect you better.

Make sure you have the right underwriting information and be aware of your losses. If you’ve had many losses with your current carrier, it will affect your rate with the new carrier.

Even though you can do everything on line it still pays to speak to a representative. Person to person contact may elicit little money saving tips and information on credits companies may offer. For instance, did you know that if you have a teen driver with grades of B or above, you may be entitled to a rate credit? Online applications may not offer this advice.

If you have your eye on a brand new sports car, sometimes you might want to speak to a person before you go ahead and get a quote. They might be able to advise you on which features to get in order to save a dollar here or there.

Make sure the american car insurance company is reputable. Because they have an online presence it doesn’t mean that they are a reputable company. Do your research. Check with AM Best, an agency that monitors the financial responsibility of insurance companies. Also check with your state to see if there are any outstanding complaints against the insurance company you’re getting quotes from.

The internet makes it very easy to get american car insurance quotes, just do your homework.

Please see our list of references below for low rate insurance quotes. These are also great sources for american car insurance information and tips on saving money every month.

By: Mario Pulman

Article Directory: http://www.articledashboard.com

Get American Car Insurance quotes online for your next american auto insurance policy or get a classic car in
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surance quote if required:

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Insurance Tips For Homeowners And Renters

Whether you’re a homeowner or renter, insurance provides critical protection.

Homeowner’s insurance protects your home’s physical structure and your personal property. In contrast, renter’s insurance only protects your personal property. Everyone-homeowners and renters-needs liability coverage to provide financial protection in case others are injured on your property or by your actions.

You have the option to insure your home and belongings for either their replacement cost or their actual cash value. Actual cash value is the amount it would take to repair your home or replace damaged possessions after factoring in depreciation. Replacement cost is the amount it would take to repair your home with materials of similar kind and quality, or to purchase new possessions without deducting for depreciation.

It’s a good idea to make an inventory of all of your personal belongings and save receipts for major items, along with a photograph or video of each room. Store copies of the documentation in a safe-deposit box or another off-site secure location in case your home is destroyed.

Following are some helpful considerations provided by The National Association of Insurance Commissioners (NAIC), a voluntary organization of state insurance regulatory officials:

Important Considerations

If you have expensive valuables -such as jewelry, antiques or art-you’ll probably want to purchase a “rider” to your policy, as these items are subject to coverage limitations in basic policies.

Damage to your home or belongings caused by flooding is NOT typically included in a homeowner’s policy. If you live in an area prone to flooding, inquire about flood insurance through the federal government’s National Flood Insurance Program (NFIP). Your insurance agent can help you obtain flood insurance.

Insurance Tips for Different Life Stages

At different stages, you’re likely to have different insurance needs. For instance:

• Young singles who are sharing an apartment with unrelated roommates each need their own individual renter’s policy to protect their own possessions.

• Young families that add a swing set or trampoline for their kids should consider additional liability insurance.

• Established famili
1000
es that may be remodeling or building an addition should update their homeowner’s policy to reflect these enhancements.

• Seniors should ask if they are eligible for discounts. And if you’ve just paid off your mortgage -and your homeowner’s insurance was previously paid through your mortgage company-be sure to assume direct responsibility for the premiums so that your policy doesn’t lapse.

Remember, before you sign an application for insurance, take a few minutes to stop, call your state insurance department and confirm that the company is legitimate and authorized to sell insurance in your state.

By: Trevor Russell

Article Directory: http://www.articledashboard.com

For more useful information about insurance, visit the NAIC’s new consumer education Web site called Insure U Online at www.InsureUonline.org.

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Why do good drivers get better car insurance rates than bad drivers?

It's not fair. Some people are genetically predisposed to be bad drivers or just don't care. Why should they be charged more than drivers who do not participate.

Can I have two cars under two separate car insurance companies …

I have my own insurance on my own car with Farmers Insurance. However, my best friend just bought a new car and her insurance rate sucks. Can I insure my friends car under my name with Gieco and add my friend as a secondary driver and keep my … It's too bad your friends' insurance isn't affordable, but there must be a reason why, like a bad driving record or DUI. I think to do what you're suggesting may constitute insurance fraud. Yes, Farmer's can and will find out. …

What is the average car insurance price for a new driver? | Car …

Now I moved to Mas and I pay about $ 210 per month for car insurance. I want to know if I can find cheaper or this not too bad for a new driver. I own a 2000 ford Taurus since two months. What do you think guys? …

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CASTLE ROCK, Colo. – A Colorado state trooper who was arrested on suspicion of drunken driving while on duty is free on $1,000 bail.

Forty-eight-year-old David Dolan was arrested outside Denver while in uniform and driving a marked Colorado State Patrol car Monday. Authorities say several people called 911 to report the car was being driven erratically.

A woman who answered his home phone hung up without commenting Tuesday. It’s not clear whether he has an attorney.

Dolan faces charges of driving under the influence and prohibited use of weapons. Colorado law makes it illegal for anyone to have a firearm while intoxicated. He is due in court Monday to discuss his bail.

Dolan is on unpaid leave. The patrol has launched an internal investigation.

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Get Those Auto Insurance Quotes Without Personal Information

Really to pull up auto insurance quotes without personal information should be something done simply. Many companies will provide you with free quotes and no information besides an email address needs to be provided. You need the email down so you can get the link for the quotes when they are ready to look at.

There should only be one time in the process of buying auto insurance that you will provide your social security number. That will be after you have picked a company and are filling out a form at their web page. Only one time will you need to provide this information.

First pull up your quote and check to find a company that you like and has the best rate. You should get your quotes about an hour after you have requested them. Follow that link in the email that you receive from them.

Look to see that each quote is comparable with the other ones that have been provided on your link. This means looking to see that deductible and policy length match on the different offers. You can adjust your deductible later on to save money, for now just have the amounts match.

With having the same deductible set on each offer no company will have an unfair advantage. Since it is so easy to save money on a higher deductible, well their quotes may look better. But when you have the amounts the same you will get a true comparison that you can use.

Pick the best offer from your quotes and follow the link to the page of the company you are buying from. Now you will need to have your social security number and VIN number ready. Also your license will need to be provided so they can look up your driving record.

Finish up the process and make sure you have discounts applied to help you save more money. Print out a copy of that insurance card to place in your vehicle too.

By: Allan Ryckman

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Obtaining inexpensive auto insurance coverage is completely in your own favor. But, what is important is that no one misunderstands the importance of giving up coverage in order to get better prices. What you should be aiming for is both of these, good coverage and good rates.

But, if you do compromise something in order to get more appealing rates, you might suffer down the line. Obviously, a lot of times it has to do with the financial situation of each individual that dictates their particular decision. But, having said that, you should really consider everything before making such hasty decisions.

When it comes to compromising your coverage, you may run out of money if and when you are in an accident. That means that you might not have enough to repair your vehicle, or worse, pay expensive hospital bills, should there be an injury. Additionally, this decision might have you declaring bankruptcy.

Aside from that, in order to benefit from good coverage and low prices, your best bet is to sit down and do some research on your own. This will entail you to use the Internet and obtain various quotations. If you stop at only a few, you really won’t be benefiting from the many insurers that are out there, wanting your business.

Therefore, you might have to take some time out of your busy schedule to get many quotations from competing insurers. In the end, you could be gaining hundreds of dollars annually. Certainly, each insurance situation is unique, but the investigation is worth it on your behalf.

In some cases, you can actually increase your coverage and pay less in terms of rates and you are already paying for! This isn’t exactly uncommon. In fact, many of us are overpaying for our auto insurance coverage. Be a smart consumer and take advantage of what the Internet can offer you, and stop spending your money carelessly.

Enrique Castillano writes Loans, Credit and bankruptcy for File Personal Bankruptcy and Delcaring Personal Bankruptcy

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Confuse on which California car insurance provider to pick? The State mandated drivers to secure insurance. Getting an online quote will help you find an insurance company. Pick one that meets the State’s requirement. Include Uninsured/Underinsured Motorist Bodily Injury. Read this article for more insurance information.

You can get a California car insurance quote online. Quotes are now quite common on the internet. There are a variety of different types of quotes that you can get. Some types are just a single quote from particular insurance company. Other quotes from a website can come from several different sources.

Having California car insurance is critical, so if you don’t have it, go get an online quote right away. But before you start your quote, get some basic information on the insurance cover you want and list your vehicle information. Do always go for the cheapest insurance, but get the insurance you can afford.

You do not really need to spend a fortune just to get auto insurance regardless of its nature. There are different kinds of car insurance for you to choose depending on your needs and your budget of course.

Before you can actually get the best car insurance in California you need to know California car insurance requirements. This will help a lot in getting the California car insurance quotes that is right for you.

You must know that the state of California follows a Tort system in its automobile insurance. This means there must be someone found to be at fault for the accident. Hence, that person and his or her insurance firm should be responsible for all the damages caused by such an accident as stipulated in the policy.

In getting California car insurance quotes, it is important for you to know that the tort system varies for each States. State Law in California, in particular, requires a minimum of $15,000 per injured person up to a total of $30,000 per accident for Bodily Injury Liability limits. It also requires a minimum limit of $5,000 for Property Damage Liability coverage. This is most often referred as 15/30/5 coverage.

Residents in California had an average auto insurance premium of $1,650 in 2009. Since the national rate is $1,735, people have this feeling that the state has been collaborating with insurance companies to fix the rates so that there would be no need to look for better California car insurance quotes. This is why it is really important for you to look around to find the cheapest California car insurance.

You should always make sure you get Uninsured/Underinsured Motorist Bodily Injury coverage. This will cover whatever bodily injuries that you might endure from an accident caused by an uninsured and/or underinsured driver. This is just one of the many car insurance quotes you can choose. Hence, you need to shop around to make sure you will get the best deals on this matter.

In selecting automobile insurance, you need to consider and know in detail every bit of information about the insurance. You should also look for insurance firms that can offer you only the best California car insurance quote.

About The Author

Do you need a California car insurance quote? Visit us at http://www.dmv.com . Get two online quotes at our site. Choose the best coverage with the lowest price. Discover also the other services we offer for all states. Go to California car insurance quote, and get California car insurance with good coverage.

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10 Ways To Lower Your Auto Insurance
 by: Pete Lance

Nowadays, auto insurance is really expensive. A typical insurance policy can cost a few hundred dollars to a few thousand dollars a year. And the insurance rates you pay are hugely dependent on the insurance company or agent, your age, your car type, your driving record, and even the area you reside in!

You should never go without auto insurance though, despite the costs. Almost all the states require you to protect yourself with a minimum amount of liability coverage. Naturally, the bare minimum is not adequate enough for the average car owner. And as you add in additional coverage for your car, you realize that you will be paying a fairly large sum annually.

So, understanding auto insurance can actually help you to decide on a suitable insurance policy that won’t vacuum clean your wallet! Here, we have gathered 10 of the best tips for lowering your auto insurance, by as much as 40%!

Always compare insurance policies. There are states which regulate auto insurance rates, but the insurance premiums can vary by hundreds of dollars for the exact same coverage. It is definitely worthwhile to shop around. The first thing you can do is to check with your state insurance department. They often provide information about the coverage you need, as well as sample rates from the biggest companies. You can also ask your friends or look up the yellow pages. Checking consumer guides and asking insurance agents can pay off as well. You can easily find out the price range for your insurance policy, as well as discover the lowest prices in town.

However, you should not be shopping based on price along. The insurance company should provide good service at the best price. Excellent personal service is available as well, and they provide added conveniences, although they cost a fair bit more. Ask the company how you can lower your costs, and also check their financial ratings. The rule of thumb is always to get three price quotes from three different companies, and pick the one with the best value.

It can also be a good idea to increase your deductibles. When you file a claim, the deductible is the amount you pay before the insurance company pays for the rest of the damage. A higher deductible on collision and comprehensive coverage can lead to a much lower premium. For example, increasing your deductible from $200 to $400 can reduce your premiums by up to 25%. However, you must ensure that you have the financial resources to handle the largest deductible when the time comes.

Remove certain types of coverage from your policy. Almost all the states require liability coverage for your car, but the rest of the coverage is probably dispensable. However, you do not want to be underinsured if you’re in an accident, so it isn’t advisable to remove all of your additional coverage. Optional coverage includes medical payments, uninsured motorist, collision, and comprehensive coverage.

Drop collision and comprehensive coverage for older cars. If you drive an older car that’s worth less than $2,000, it’s probably more cost-effective to drop collision and comprehensive coverage since you’ll probably pay more for the coverage than you’ll collect for a claim. You can find out the worth of your car by asking auto dealers and banks.

Make sure your credit report looks good. Car insurance companies often look at your credit history as there is a correlation between the risk to the company and your credit history. If you pay your bills on time and maintain a good credit history, you can enjoy lower insurance rates.

Drive less. Insurance companies often offer low-mileage discounts to motorists who drive less than a predetermined number of miles each year. You can use public transportation more often, car-pool with friends, and take the train or a plane instead of driving to another state. And you’ll save on more than your coverage as you’ll need to spend less on gasoline (of which prices are incredibly high).

Maintain a clean driving record. The company will give you a price break and you can save on your insurance policy after a specified period of a clean driving record. This means that you have no accidents, no serious driving violations etc, during this period of time. The simplest and surefire way to qualify for this discount is to drive carefully and defensively all the time.

Choose a low-profile car. Insurance rates vary among difference models of vehicles. Generally, sports cars and high-performance cars tend to cost more to insure, mainly because they represent more risk of theft and the drivers are often the people who drive more recklessly. Newer cars will cost more to repair or replace than older ones, so naturally they can more to insure. Low-risk vehicles include station wagons and sedans.

Ask about safety and security discounts. The insurance companies sometimes offer discounts on your insurance if your car is equipped with the following: anti-lock brakes, air bags, automatic seat belts, car alarms, tracking systems. These reduce the injury risk to you, as well as the chances of your car being vandalized or stolen.

Finally, ask about other discounts. You may receive a discount if you buy more than one type of insurance from the same company or if you insure multiple cars under the same policy or company. You may also receive discounts for taking a defensive driving course, staying with the same company for a few years, being a driver over 50, good-student discounts, and being an AAA member. If you already have adequate health insurance, you can also eliminate paying for duplicate medical coverage, thus lowering your personal injury protection costs by a substantial amount.

About The Author

Pete Lance is the founder of http://www.USGasTracker.org, a premier company which helps the consumer save money on gasoline. Thousands of gas stations across the nation are tracked daily to guarantee the lowest prices on gasoline for any zip code in the United States.

petelance1@yahoo.com

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SANTA MONICA, Calif., April 12 –

SANTA MONICA, Calif., April 12 /PRNewswire-USNewswire/ — The California Department of Insurance (CDI) today said that Mercury Insurance Company, the sponsor of Proposition 17, has overcharged and discriminated against California customers for over fifteen years, including failing to deliver discounts required by state law and imposing unlawful surcharges.

Consumer advocates said that the new CDI report is certain to affect voters' view of Proposition 17, Mercury's controversial initiative on the June ballot. “This troubling report shows that Mercury Insurance has overcharged its policyholders for a decade and half, but now it wants the voters to believe it is spending millions on Proposition 17 to charge less for auto insurance,” said Harvey Rosenfield, author of insurance reform Proposition 103 and founder of Consumer Watchdog. “These new revelations show Mercury Insurance's promise that Proposition 17 will lower premiums is like Bernie Madoff backing a ballot proposition to protect investors.”CDI announced that it filed an administrative lawsuit against Mercury last Friday and gave it ten days to correct every violation of law identified in its investigation or face massive fines. The lawsuit and underlying investigation can be downloaded at: http://bit.ly/afestjIn its latest investigation, which began in March, 2007, CDI found that Mercury improperly applied surcharges to its customers, failed to give customers the discounts they were due, discriminated against people with certain medical conditions, and refused to insure applicants based on their occupation. The Department also determined that Mercury had violated its own agreement to stop violations that were uncovered by CDI investigations completed in 1998 and 2002. More information about those investigations is available here: http://www.consumerwatchdog.org/insurance/articles/?storyId=32615“How can voters trust an insurance company that violated its own promise to regulators to stop breaking the law?” Rosenfield asked. “This report should be the nail in Prop 17's coffin. Voters won't stand for a lying insurance company deceiving them once again.”Mercury wrote, and has spent $3.5 million on, Proposition 17 on the June ballot, which would allow insurance companies to add a new surcharge on drivers' premiums based on whether or not they previously purchased auto insurance, even if they didn't drive, or missed an insurance payment. The company's commercials are telling people that Prop 17 would lower auto insurance premiums.Among the 54 practices identified by the CDI in today's report as potential violations of state law are numerous practices that violate Proposition 103, the 1988 voter approved insurance reform measure that Mercury's Proposition 17 targets.Among the practices uncovered by state investigators:

Mercury continues to surcharge certain people (by 15%) who are required to carry proof of insurance coverage – a violation of existing law. Mercury's Proposition 17 would legalize such surcharges and allow insurance companies to apply them across the board.Mercury fails to give customers the discounts they are entitled to under state law.Mercury instructed its agents to refuse to sell binding coverage to people who are handicapped or whose health is impaired.Mercury charges people for accidents for which they were not at fault.Mercury refuses to sell insurance to artisans who are good drivers, or to painters, cocktail waitresses, waiters and bartenders who are not eligible for good driver status.Mercury prematurely cancelled policies issued to people entitled to buy inexpensive policies under the Low Cost Automobile Insurance Plan – even though Mercury claims that the availability of such policies will lessen the impact that Prop 17 will have on uninsured motorists.In addition to illegal overcharging of its customers and other misbehavior by the company identified by the CDI, Mercury Insurance has consistently received among the lowest J.D. Power rankings among large insurers. In the most recent survey, available at http://bit.ly/9WyEbv , Mercury was ranked 27 of 32 companies in terms of overall customer satisfaction.

For more information, please visit: http://StopProp17.org or find us on twitter at: http://twitter.com/stopmercury and facebook at: http://www.facebook.com/stopprop17

SOURCE Consumer Watchdog

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