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The following articles are reprints of Mr. O'Steen's legal advice columns which appeared in The Arizona Republic and other newspapers across the State. We hope that they are helpful in answering some of your legal questions. If you require more specific or personalized assistance, we encourage you to consult with an attorney. |
| A Glossary of Car Insurance Language | |
| What follows is a simplified, plain-language description of the most common categories of auto insurance coverage and how they may benefit you. | |
| Going Underinsured is a Game of Chance you Shouldn't Play | |
| You might think million-dollar insurance settlements and jury verdicts are common. They are not. Your odds of being on either end (payer or payee) of a million-dollar suit are less than your odds of winning the big prize in the Arizona Lottery. These long odds are not good for lottery players. However, they are good for injury claims. | |
| Best Insurance Policy Is Fully Understood | |
| Have you ever taken a close look at your homeowner's or renter's insurance policy? If so, the odds are you did so following a loss, before or after a claim was denied. | |
| If Costly Car Insurance Is Driving You Mad, Try These Cut-Rate Tips | |
| Automobile insurance rates vary widely depending on the insurance company you or your agent select, the types and amounts of coverage you buy, the kind of car and driving record you have. | |
| Lower Your Auto Insurance Costs | |
| Automobile insurance rates vary widely depending on the insurance company or agent you choose, the types and amounts of coverage you want, and the kind of car you drive. These are some things you can do to lower your insurance costs. | |
| Homeowner's Policy, Business Pursuits Generally Don't Mix | |
| All insurance policies contain exclusions and limitations. Insurance companies justifiably are unwilling to provide coverage under basic policies for extraordinary risks. The premiums we pay for these policies are not based on protection for unusual activities. | |
| Umbrella Insurance Is Worth Considering to Fill Out Coverage | |
| Insurance rates for all types of coverage generally are high. One of the best insurance values available, however, continues to be an umbrella policy. | |
| Car Pool Drivers Need Adequate Insurance to Cover Accident Risk | |
| Ride sharing makes very good sense. It is economically and environmentally sound when done regularly. Co-workers, for example, who ride to and from work together save money for themselves and make a contribution to cleaner air for us all. Unfortunately, car-pooling is not without risks. Those risks, however, can be minimized. | |
| Your Shop or Mine? Insurance Consumers Have Choice | |
| Getting your car repaired can be one of the most troublesome aspects of an automobile accident. In most cases, an insurance company will be compensating you for the amount reasonably necessary to repair your car. The company may be yours or it may be the other driver's. |