Rating factors are based on your driving record that insurance companies review to decide if they will ensure you and determine your premiums. By reviewing your driving record, a car insurance company can see what type of risk you pose.

If you have a clean record, it is less risky and will likely result in a safe driver discount and lower rates. Having a moving violation or accident (DUI, speeding) makes you at a higher risk and means higher rates if the company decides to continue with your insurance.

Remember that certain companies will take higher risk driver as potentially uninsurable.

How often does Insurance company check my record?

For an Insurance company, standard practice is to review your driving record is when you initially apply for auto insurance and before the renewal period. At renewal time, your driver record is checked to see if you have any violations now listed that would cause your rates to rise or for policy to be non-renewed. If you apply for coverage, your driving record is checked to see the risk rate for the insurer and to help determine your premium coverage. If you have violations on your driving record that have fallen off, your rates should go down when your policy renews. There are checkups of your driving record when you change coverages, add a vehicle, add or remove drivers.

Will an accident or violation on my driving record raise my rates?

For accidents, it depends on the nature of the accident as well as fault. Minor accidents can be forgiven under state law or by an insurance company, primarily if you are not found to be at fault. If you are found to be at fault for a major accident, your car insurance rate can increase, or you could even get a cancellation of coverage subject to state law. Violations affect your rates because they show you are more of a risk. If you got a minor speeding ticket and had your driving record clean till then, your rates may not go up, but your safe driver discount could be taken away. If you get more significant offenses, you pose as a risk so expect your rates to increase drastically. States like Arizona keeps track of your moving violation. If you violate bail conditions while being charged for moving violations,  points will be assessed to your driving record.

Points stay on your driving record for 12 months.

If you have 8 or more points on your record tour license will be suspended for 12 months, or you will be required to attend traffic survival school.

Violation Points
Driving Under the Influence 8
Extreme Driving Under the Influence 8
Reckless Driving 8
Aggressive Driving 8
Leaving the Scene of an Accident (Hit-and-Run) 6
Failure to Stop or Yield, Resulting in a Fatal Crash 6
Failure to Stop or Yield, Resulting in a Serious Injury 4
Speeding 3
Driving or Parking in the Gore Area 3
All Other Moving Violations 2


According to a recent study by Governor’s Office of Highway Safety, Arizona has the title of the deadliest state for pedestrians. Preliminary data issued that the rate of pedestrian deaths had climbed to 1.61 per 100,000 people, making it no. 1 when accidents are viewed concerning the state’s population.

As a result, the city of Pheonix is trying to find new ways to protect people who enjoy walking or riding a bike.

 The city has launched the Neighborhood Mobility Improvement Study, which is part of the T2050 voter-approved transportation plan. In that plan, the city has selected 11 neighborhoods that could use improvement.  Police departments El Mirage, Mesa, Glendale, Chandler, Pheonix, Sahuarita, Scottsdale, and Surprise, will receive a share of the funding. Some of the areas are the low-income areas, areas with high bike and bus rates and regions with no-car households.  

 National Highway Traffic Safety Administration gave   $793,250 to Governor’s Office of Highway Safety for pedestrian and bicyclist enforcement and education in Arizona. The grant funding primarily targets the Pheonix and Tuscon. Pedestrians should take security measures and advanced program that will help them consider the possibilities when it comes to safe walking and riding a bike. In 2017 the total traffic fatalities were 1,001 while the number of pedestrians more than 40%. In 2013, the overall death toll in traffic was 849. So far in 2018, there are 111 deaths in Arizona.

The increased rate of pedestrians fatalities in Arizona is nearly double than the national average. Drivers are often speeding when they shouldn’t, and they are partially distracted and not focused on driving. Changing lanes before an intersection, making a left or right turn without looking, and not respecting the marked parts of the road or unmarked crosswalks. All of these points can affect the pedestrians safety. Police departments in Chandler and Tuscon have to remind pedestrians and drivers about the dangers above. The efforts include both sides understanding each other and working toward mutual respect between them.

Communication is the Key

In 2016 Arizona was third in the nation with a pedestrian death rate of 1.4 deaths per 100,000. In our state, 88 percent of pedestrian fatalities occur on city and county roads with the remainder happening on state highways.

What could help the Pedestrian’s safety

Gov. Doug Ducey created the Public Safety Goal Council with an idea to reduce traffic fatalities. They’ve started to make some countermeasures: improved street lighting, crosswalk islands, heavily marked crosswalk reduced speed in dangerous intersections.  Drivers blame pedestrians and vice versa.

These pedestrian fatalities usually happen on side roads and mostly after dark. Our cities and counties must find universal language thru engineering and enforcement strategies to improve pedestrian safety by copying efforts that other communities have implemented successfully.

Also, the bus problem can occur. Crossing after exiting the bus can be highly dangerous. The bus drivers must drop off passengers 200 feet away from the intersections. Those on foot must be mindful of using crosswalks and not crossing on the parts where there’s no sign for pedestrians.

There are all types of accidents, but the collision with a truck can be very different from a crash with a car or motorcycle. Any minute is of the essence.

An expert should download the “black box” information from the truck to determine the speed and when the breaks were applied. Many enterprises especially truck companies have installed video surveillance that can also be requested. Trucking companies are only required to maintain documents like trip receipts for a short period, which can be difficult when you are building a case. The attorney must request all the evidence from that driver related to the trip be maintained.

The important thing is that a semi-truck can cause a lot of damage, much more than an average vehicle. Further, there is a chance for higher compensation for a trucking accident than you would receive in a crash with a passenger vehicle. Semi-truck are almost certainly covered with one or more commercial liability insurance policies.

The Federal Motor Carrier Safety Administration (FCMSA) requires that semi-trucks carry commercial carrier insurance so that there is money available to offer compensation for a trucking accident. It is not unusual to find commercial carrier insurance policies for $1 million or more.

These policies are entirely different than a regular passenger vehicle. It’s essential that you work with experienced accident attorney who can advise you and get you fair compensation for a trucking accident.

There are the couple of factors that can vastly change your compensation level:

  •    Sustained injuries
  •    Medical treatment
  •    The economic damages sustained
  •    Lost wages
  •    Lost Future earning capacity
  •    Emotional trauma and Post-Traumatic stress disorder
  •    Lost of companionship (Also known as loss of consortium)

We at Schenk Podolsky Attorneys at Law care about the case, so there is no same case for us. Truck accident cases are unique because you can sue a corporation that hired a driver, the broker that arranged the trip, and even the shipper of the goods being transported, under certain circumstances.

If you go to trial you cannot tell the jury is there an insurance company protecting the driver. The board is not supposed to consider the effect of a verdict on a person’s financial situation, cause if they chose to return a high verdict, there is a chance that they fill financially cripple the defendant.

That’s why there is lower compensation for a car accident than in the case involving the truck. Also, let’s not forget that semi-truck drivers have different regulations.

A truck driver has to follow service regulations to prevent fatigued driving, and are subject to immediately post-accident drug and alcohol tests. Unfortunately, many drivers ignore these rules and drive overly tired because of the pressure to deliver on time.

In an accident that involves the truck, you can claim that corporate negligence, like safety violations, vehicle maintenance or overloading contributed to the cause of your injury. Higher compensations are usually in these cases because the corporation is a corporate violation policy, rather than an individual.

There are cases against companies that are very complex. Including multiple defendants, injuries and much time.

Knowing your niche and understanding every part of it will save you time and money. Here is a useful guide that can help you knowing should you buy property damage insurance.

For example, if you are in a client’s house and spill something on the carpet, then any claim against you could be covered by having property damage insurance. There where cases, where painter spill a few drops of paint on a carpet but the carpet was a piece from Harrods and the claim, was settled for over $130 000! So property damage insurance covers explicitly accidental damage to property.

What professions need property damage insurance?

Property damage can be significant in a variety of professions. Smallest mistakes can lead to big claims so if you’re a waiter or construction worker; many jobs have a requirement to provide the evidence of liability insurance as part of the qualification process. So it means that before you start a job, especially on government contracts you will have to include liability insurance before you take further participation in the role.

How property damage insurance work?

When you buy property insurance, the insurance company can provide the coverage for computers, supplies, inventory, offices and other property against damage. Sometimes, property insurance covers specific events outlined in your policy. Common covered events include:

  • Acts of vandalism
  • Weather accidents
  • Thefts

Example – let’s say a fire burn down a non-profit computer company. The company lost thousands of dollars worth of equipment. Besides, they must repair the building, furniture, etc. A property Insurance policy covers all of these expenses. As a small business owner, you might qualify for a lower Property Insurance rate if you purchase this policy together with General Liability Insurance. This insurance bundle is called a Business Owner’s Policy.

Property damage insurance vs. Property Damage liability and differences

Property Insurance covers the stuff your business owns or replace damaged items after a covered event. Liability Insurance Covers the expenses that result when things you do cost someone money. Lawsuits are standard, so you go to trial or settle the dispute out of court.

How do I Buy property damage insurance?

There is a small chance that you will find property damage insurance as a separate cover then public liability insurance. Your public liability insurance will also cover accidental injuries to both your clients and third parties, which can be just as likely as damage to property.

How is Property Damage Liability Structured?

Your limit is a dollar amount that represents the maximum amount of property damage your insurance policy will cover. It means that if you have $40,000 coverage limit, your policy will cover that amount and you will cover the rest.

The benefits of additional property damage liability Coverage:

Purchasing a higher limit of property injury liability insurance will protect your future earnings and established assets. If you accidentally go over your limit, the liability coverage may not be enough to cover the total amount of damage.