If Stopped By The Police Follow These Rules

Michigan dui insurance

If you have been pulled over by the police there is a good chance you have done something wrong. In order to prevent a bad situation from getting even worse there are certain recommended steps you should follow. The following article offers some great advice…

5 things you should never do if stopped by the police
When you are driving, you never want to see the flashing lights of a police car in your rearview mirror; however, it is something almost every driver experiences. Even if you’re sure you did nothing wrong, the event is likely to cause your heart to race and your blood pressure to rise. Traffic stops can also be nerve-wracking for police. A rash of police shootings nationwide have officers on edge and many simple traffic stops have escalated into situations where police or motorists have been injured or killed. If you end up in a situation where you see the blue lights behind you, here are some things you should never do after you pull over. Of course, no matter what you do, you might still be cited or even arrested. If that happens, you should consult with an experienced attorney who can help protect your rights. Don’t make suspicious moves Don’t argue Don’t leave the car unless asked Don’t volunteer Never agree to a search
Read the rest of the article here: 5 things you should never do if stopped by the police | HeraldNet.com
The tips above should help to minimize the chances of a small incident or ticket turning into an even bigger problem. It is important to treat officers with respect for a variety or reasons. One of those reasons is to minimize the chances of being issued a costly speeding ticket. The cost of a ticket goes well beyond just the cost of the fine. You can also expect to see your Michigan car insurance go up. If you get multiple tickets or a major violation you could also be considered a high risk driver and be forced to purchase Michigan high risk car insurance.
In this next article the author discusses the impact that tickets can have on your car insurance.

Speeding Ticket and Car Insurance – How DUI Affects Insurance Costs
Here’s how much that ticket will hurt your insurance costs.
You probably don’t want to get pulled over no matter where you are, but in some states, you really, really don’t want a ticket. That’s because your car insurance payment could increase dramatically in certain states after you get a DUI or a speeding ticket, sometimes by over 300 percent.
Personal finance site NerdWallet analyzed the average rate increases for speeding tickets and DUIs by state, and built a helpful state-by-state interactive map of results. On average, NerdWallet found that a DUI results in a 62-percent cost increase nationwide, while a speeding ticket only nets a 14-percent increase.
The lesson here is immediately crystal clear: You should never, ever drive under the influence, and it’s best to save your speed-demon tendencies for the race track. Ultimately, cabs and track days will save you a ton of money—both on a one-time ticket and on the insurance premiums that result from it.
Read the rest of the article here: Speeding Ticket
The next time you get pulled over remember to follow the steps mentioned in the article above. Better yet don’t get pulled over to begin with. Michigan auto insurance rates are already high compared to the rest of the nation. Don’t give the auto insurance companies yet another reason to increase your rate.

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Michigan lets autonomous cars on roads without human driver

This is an interesting article that I discovered on Fox News. Michigan seems ready to start embracing driverless cars. The world is moving rapidly and I’m curious to see how this will all work out!
Companies can now test self-driving cars on Michigan public roads without a driver or steering wheel under new laws that could push the state to the forefront of autonomous vehicle development.
The package of bills signed into law Friday comes with few specific state regulations and leaves many decisions up to automakers and companies like Google and Uber.
It also allows automakers and tech companies to run autonomous taxi services and permits test parades of self-driving tractor-trailers as long as humans are in each truck. And they allow the sale of self-driving vehicles to the public once they are tested and certified, according to the state.
The bills allow testing without burdensome regulations so the industry can move forward with potential life-saving technology, said Gov. Rick Snyder, who signed the bills. “It makes Michigan a place where particularly for the auto industry it’s a good place to do work,” he said.
The bills give Michigan the potential to be a leader by giving the companies more autonomy than say, California, which now requires human backup drivers in case something goes awry.

Here are answers to some questions about the laws:
Q: Companies are making a lot of the decisions in putting the cars on public roads. Why does the state think they’ll be safe?
A: Michigan Transportation Director Kirk Steudle says the laws put Michigan ahead of most other states with the possible exception of Florida in specifically allowing tests without a human driver. Companies, he said, will make the decision as to when the cars are ready for that, based on more than a century of experience of testing cars on public roads. Automakers have a long history of testing cars on public roads in Michigan with few, if any, incidents, Steudle says. The cars also have to comply with federal safety standards and may have to be certified as roadworthy by the National Highway Traffic Safety Administration if proposed federal guidelines are adopted. “I don’t want to regulate the vehicles. There is nobody in state government that has any knowledge to be able to say that vehicle is ready to go on the road,” Steudle said. If the vehicles crash, Steudle says they would be governed by Michigan’s no-fault insurance laws that require each driver’s insurance to pay for damage. The companies also could be sued under product liability laws, he says. The self-driving laws also allow only reputable companies such as automakers and tech companies to do tests, Steudle says. “These are responsible parties,” says Snyder.
Q: Does this put the state ahead in allowing self-driving vehicles on public roads?
A: Michigan Transportation Director Kirk Steudle says the laws put Michigan ahead of most other states with the possible exception of Florida in specifically allowing tests without a human driver. Companies, he said, will make the decision as to when the cars are ready for that, based on more than a century of experience of testing cars on public roads. Steudle says yes because the laws specifically authorize use without human drivers. He also says Michigan has an advantage over Florida and warm-weather states because companies can test in snow. But Bryant Walker Smith, a law professor at the University of South Carolina who tracks the technology, says Florida has almost no restrictions. Other states, he said, don’t expressly prohibit such testing and have agreements with individual companies to do it. Michigan’s laws also make defining who is a driver ambiguous, he said. Drivers could be companies running autonomous taxi services, engineers who start autonomous vehicles, passengers who ride in the cars and the automated systems themselves, he said.
Q: Unlike California, Michigan isn’t tracking autonomous car crashes. How will the state spot problems?
A: Police will investigate any crashes and presumably would report any trends to the state, which could suspend a company’s manufacturer license plates and end the tests, Steudle says. He concedes that there will be crashes and probably a fatality involving autonomous cars. But the technology can eliminate human errors that cause 94 percent of crashes and cut the 100 highway deaths in the U.S. every day, he said. “It’s a risk worth taking because the future of the technologies we know are going to help reduce those crashes and reduce those fatalities,” Steudle said.
Article Source: Michigan lets autonomous cars on roads without human driver | Fox News
So what are your thoughts? Do you think we are headed in the right direction. I guess only time will tell, but I personally find it quite exciting.

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PLPD Insurance Mackinac Island MI (586) 789-9722

A standard abbreviated insurance term is PLPD. In several cases, the definition of is used without the data of what the coverage in fact is and how it concerns the insured. PLPD is an essential portion of every drivable vehicle's insurance coverage. Understanding what PLPD is will save you lots of distress and trouble if you're actually in a accident. A much better comprehension of coverage can also save income on insurance.
We're The Mackinac Island Michigan PLPD Insurance Experts!
PLPD is broken down into two kinds of coverage. PL describes particular liability while PD refers to home damage. Deductibles do not apply to either personal liability or house damage; but, generally for the coverage to utilize you'd be established at fault in the accident. If you are to blame in an accident, your insurance costs are positive to go up. At least you won't need to bother about a deductible in a liability or house injury kind of claim.
PL = Particular Liability Being negligent or at fault in an incident concerning an automobile allows you to liable. Particular responsibility may protect one other person's incidents, suffering, and enduring, if you're discovered to be at fault. Responsibility is prepared as a fraction, 20,000/40,000, on your insurance coverage and is also referred to as Physical Injury.The first quantity in the fraction is the maximum add up to be compensated out per person. The next number in the portion is the most to be compensated out per accident. If numerous people are wounded in an accident, it's first come first function; meaning whoever documents a claim first has first opportunity at the mentioned limits.
Personal Responsibility Important Factors:

Insurance is for one other party.
State minimal restricts range, always check with your insurance representative.
Standard restricts are 100,000/300,000.
Require larger restricts? Check in to an umbrella policy.
Michigan has various rules regarding injuries.

 PD = Home Damage In the event that you trigger harm to property with your car or truck, such as for instance still another car, block indicator, address, or other things for that matter protection is presented under property damage. Accidents do occur therefore home injury is a part of all vehicle insurance plans.The insurance is typically shown correct along with particular responsibility 100,000/300,000/100,000. The past 100,000 is the home damage limit.
 Property Injury Critical Points:

Addresses house to the others damaged by your vehicle
State minimal limits vary, always check along with your insurance representative.
Standard restrict 100,000

Extra Coverage (not for many states)

Tiny Tort or Limited Property Damage
Personal Damage Security
Accidental Death Coverage
House Defense

For Cheap PLPD Insurance in Mackinac Island Call (586) 789-9722 Now!

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PLPD Insurance Lincoln MI (586) 789-9722

A standard abbreviated insurance term is PLPD. In many situations, the definition of is utilised without the information of what the insurance is really and how it relates to the insured. PLPD is an essential part of every drivable vehicle's insurance coverage. Understanding what PLPD is can help you save a lot of frustration and hassle if you're ever in an accident. An improved understanding of protection can also help you save money on insurance.
We're The Lincoln Michigan PLPD Insurance Experts!
PLPD is broken on to two types of coverage. PL identifies personal responsibility while PD refers to house damage. Deductibles do not connect with either particular liability or property damage; nevertheless, often for the protection to use you'd be established at fault in the accident. If you're to blame in an incident, your insurance rates are certain to get up. At the very least you won't need certainly to be concerned about a deductible in a liability or property damage type of claim.
PL = Particular Liability Being negligent or at fault in an incident involving an automobile makes you liable. Personal responsibility can cover the other person's accidents, suffering, and putting up with, if you are found to be at fault. Responsibility is written as a portion, 20,000/40,000, in your insurance plan and can also be known as Physical Injury.The initial quantity in the portion is the utmost amount to be compensated out per person. The 2nd number in the portion is the utmost to be compensated out per accident. If numerous folks are hurt in an accident, it is first come first function; indicating whoever documents a claim first has first opportunity at the mentioned limits.
Personal Liability Important Details:

Insurance is for one other party.
State minimum restricts vary, always check along with your insurance representative.
Normal restricts are 100,000/300,000.
Need larger limits? Check always into an umbrella plan.
Michigan has different principles regarding injuries.

 PD = Home Damage In the event that you cause injury to property with your car or truck, such as for example still another vehicle, street signal, mail, or other things for that matter coverage is provided under property damage. Incidents do occur so house damage is contained in all car insurance plans.The insurance is typically displayed correct along with personal liability 100,000/300,000/100,000. The past 100,000 is the house damage limit.
 Property Damage Important Points:

Addresses property to the others damaged by your vehicle
State minimal restricts differ, always check with your insurance representative.
Normal limit 100,000

Additional Coverage (not for all states)

Small Tort or Confined Property Damage
Personal Damage Defense
Unintended Death Insurance
Property Defense

For Cheap PLPD Insurance in Lincoln Call (586) 789-9722 Now!

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PLPD Insurance De Tour Village MI (586) 789-9722

A typical abbreviated insurance expression is PLPD. In lots of cases, the term is employed without the information of what the coverage really is and how it concerns the insured. PLPD is an essential portion of every drivable vehicle's insurance coverage. Understanding what PLPD is will save you lots of frustration and inconvenience if you should be ever within an accident. An improved knowledge of coverage can also help you save income on insurance.
We're The De Tour Village Michigan PLPD Insurance Experts!
PLPD is broken down into two kinds of coverage. PL refers to particular responsibility while PD identifies home damage. Deductibles don't affect either personal liability or house damage; but, frequently for the coverage to use you would be identified at fault in the accident. If you are to blame in an incident, your insurance charges are certain to get up. At the least you won't have to be worried about a deductible in a liability or home damage type of claim.
PL = Personal Liability Being liable or at fault in an accident concerning a car allows you to liable. Personal responsibility may cover another person's injuries, pain, and suffering, if you should be found to be at fault. Liability is prepared as a portion, 20,000/40,000, on your insurance policy and is also described as Bodily Harm.The first number in the fraction is the utmost add up to be paid out per person. The second number in the portion is the maximum to be compensated out per accident. If multiple people are wounded in an incident, it is first come first function; meaning whoever documents a state first has first prospect at the mentioned limits.
Personal Responsibility Key Points:

Insurance is for the other party.
State minimum restricts vary, check always with your insurance representative.
Common limits are 100,000/300,000.
Require larger limits? Always check into an umbrella policy.
Michigan has various principles regarding injuries.

 PD = Home Damage In the event that you trigger injury to property with your car or truck, such as for example yet another car, street sign, mailbox, or anything else for that matter coverage is provided under home damage. Incidents do happen therefore property injury is a part of all car insurance guidelines.The coverage is normally exhibited correct along side personal liability 100,000/300,000/100,000. The last 100,000 is the property injury limit.
 House Injury Important Factors:

Covers home to the others damaged by your car or truck
State minimal restricts vary, check always along with your insurance representative.
Typical restrict 100,000

Extra Insurance (not for several states)

Small Tort or Limited Property Damage
Particular Harm Defense
Accidental Death Insurance
Property Defense

For Cheap PLPD Insurance in De Tour Village Call (586) 789-9722 Now!

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PLPD Insurance Munising MI (586) 789-9722

A typical abbreviated insurance term is PLPD. In several cases, the word is utilised without the knowledge of what the coverage really is and how it pertains to the insured. PLPD is an important part of each drivable vehicle's insurance coverage. Knowing what PLPD is can save you a lot of distress and trouble if you are actually in an accident. An improved comprehension of protection may also save you income on insurance.
We're The Munising Michigan PLPD Insurance Experts!
PLPD is damaged on to two categories of coverage. PL refers to personal responsibility while PD identifies property damage. Deductibles don't apply to either personal liability or property injury; however, often for the protection to utilize you'd be established at fault in the accident. If you're responsible in an accident, your insurance costs are certain to go up. At the very least you will not have to concern yourself with a deductible in an obligation or property injury type of claim.
PL = Personal Liability Being irresponsible or at fault in an incident concerning a vehicle allows you to liable. Particular liability can cover another person's accidents, suffering, and suffering, if you're found to be at fault. Liability is prepared as a portion, 20,000/40,000, in your insurance coverage and can also be described as Bodily Harm.The initial quantity in the portion is the utmost total be compensated out per person. The second number in the portion is the most to be paid out per accident. If numerous individuals are hurt in an incident, it's first come first serve; meaning whoever files a state first has first opportunity at the mentioned limits.
Personal Liability Important Details:

Insurance is for the other party.
State minimum limits range, check with your insurance representative.
Typical restricts are 100,000/300,000.
Require larger restricts? Always check in to an umbrella plan.
Michigan has different rules regarding injuries.

 PD = House Damage In the event that you cause harm to property with your automobile, such as for example yet another car, street indicator, address, or whatever else for that matter protection is presented below house damage. Accidents do occur so property damage is a part of all vehicle insurance policies.The protection is typically exhibited right along side personal liability 100,000/300,000/100,000. The last 100,000 may be the home damage limit.
 Property Damage Critical Points:

Addresses house to the others broken by your vehicle
State minimal limits vary, always check along with your insurance representative.
Standard limit 100,000

Additional Insurance (not for several states)

Little Tort or Restricted Home Damage
Particular Harm Defense
Random Death Coverage
Home Safety

For Cheap PLPD Insurance in Munising Call (586) 789-9722 Now!

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PLPD Insurance Chatham MI 586-789-9722

A typical abbreviated insurance term is PLPD. In several instances, the term is utilised without the knowledge of what the coverage is really and how it pertains to the insured. PLPD is an essential portion of each and every drivable vehicle's insurance coverage. Understanding what PLPD is can save you a lot of confusion and problem if you are actually in a accident. A better understanding of protection may also help you save money on insurance.
We're The Chatham Michigan PLPD Insurance Experts!
PLPD is broken on to two categories of coverage. PL refers to personal liability while PD describes home damage. Deductibles don't apply to either personal responsibility or house injury; however, often for the coverage to apply you would be established to blame in the accident. If you should be responsible in an accident, your insurance prices are sure to move up. At the least you won't need to worry about a deductible in an obligation or house damage type of claim.
PL = Particular Liability Being responsible or at fault in an incident involving a vehicle allows you to liable. Particular liability can cover the other person's accidents, suffering, and putting up with, if you are found to be at fault. Responsibility is published as a fraction, 20,000/40,000, in your insurance coverage and is also described as Physical Harm.The initial quantity in the portion is the most total be compensated out per person. The 2nd number in the portion is the utmost to be compensated out per accident. If multiple folks are wounded in an incident, it is first come first offer; meaning whoever files a claim first has first opportunity at the mentioned limits.
Personal Responsibility Crucial Items:

Protection is for another party.
State minimal limits vary, check always along with your insurance representative.
Typical restricts are 100,000/300,000.
Require larger restricts? Check into an umbrella policy.
Michigan has various principles regarding injuries.

 PD = Property Damage In the event that you cause harm to home with your vehicle, such as for instance yet another car, block indication, mail, or anything else for that matter coverage is presented under house damage. Accidents do occur so house injury is included in all car insurance guidelines.The insurance is normally exhibited right along side personal liability 100,000/300,000/100,000. The last 100,000 may be the house injury limit.
 House Damage Important Factors:

Addresses house to the others ruined by your car or truck
State minimal limits range, always check along with your insurance representative.
Standard restrict 100,000

Extra Protection (not for all states)

Mini Tort or Limited House Injury
Personal Damage Protection
Random Demise Protection
Home Protection

For Cheap PLPD Insurance in Chatham Call (586) 789-9722 Now!

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PLPD Insurance Mio MI (586) 789-9722

A typical abbreviated insurance term is PLPD. In several instances, the word is used without the information of what the coverage is really and how it relates to the insured. PLPD is a significant portion of each and every drivable vehicle's insurance coverage. Understanding what PLPD is will save you lots of frustration and trouble if you're ever in an accident. A much better comprehension of protection may also save you money on insurance.
We're The Mio Michigan PLPD Insurance Experts!
PLPD is broken on to two categories of coverage. PL identifies personal liability while PD refers to property damage. Deductibles don't affect either particular liability or house damage; but, generally for the insurance to utilize you'd be decided responsible in the accident. If you are at fault in an incident, your insurance rates are certain to move up. At the very least you will not need certainly to concern yourself with a deductible in a liability or property injury form of claim.
PL = Personal Liability Being negligent or at fault in an accident involving a vehicle allows you to liable. Personal liability may cover the other person's accidents, pain, and suffering, if you are discovered to be at fault. Responsibility is written as a portion, 20,000/40,000, on your own insurance policy and is also known as Physical Injury.The initial number in the portion is the maximum amount to be compensated out per person. The 2nd number in the portion is the utmost to be paid out per accident. If multiple people are hurt in an accident, it is first come first function; indicating whoever documents a state first has first prospect at the stated limits.
Personal Responsibility Critical Points:

Coverage is for the other party.
State minimal limits differ, check always together with your insurance representative.
Standard restricts are 100,000/300,000.
Require larger limits? Always check into an umbrella policy.
Michigan has different principles regarding injuries.

 PD = Property Damage In the event that you trigger harm to home with your automobile, such as another vehicle, road signal, mailbox, or other things for that matter insurance is offered below home damage. Incidents do happen therefore house damage is a part of all car insurance plans.The insurance is usually displayed right alongside particular liability 100,000/300,000/100,000. The past 100,000 may be the house damage limit.
 Property Damage Important Factors:

Addresses property to the others damaged by your car or truck
State minimum restricts differ, check always along with your insurance representative.
Common restrict 100,000

Additional Insurance (not for all states)

Tiny Tort or Confined Home Injury
Personal Damage Defense
Unintended Death Coverage
Home Security

For Cheap PLPD Insurance in Mio Call (586) 789-9722 Now!

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PLPD Insurance Grayling MI (586) 789-9722

A common abbreviated insurance expression is PLPD. In lots of instances, the word is used without the data of what the protection really is and how it pertains to the insured. PLPD is an essential part of every drivable vehicle's insurance coverage. Knowing what PLPD is can save you plenty of distress and trouble if you should be ever in a accident. An improved knowledge of coverage may also save income on insurance.
We're The Grayling Michigan PLPD Insurance Experts!
PLPD is broken down into two categories of coverage. PL identifies personal responsibility while PD describes home damage. Deductibles do not affect either personal responsibility or house damage; however, usually for the protection to use you would be decided at fault in the accident. If you're to blame in an accident, your insurance charges are certain to move up. At the least you will not have to bother about a deductible in a responsibility or home injury type of claim.
PL = Particular Liability Being liable or at fault in an incident involving a vehicle enables you to liable. Personal responsibility may cover one other person's incidents, suffering, and putting up with, if you are found to be at fault. Responsibility is written as a portion, 20,000/40,000, on your own insurance coverage and is also referred to as Physical Injury.The very first number in the portion is the utmost amount to be compensated out per person. The 2nd quantity in the portion is the utmost to be compensated out per accident. If multiple folks are wounded in an incident, it is first come first function; indicating whoever files a claim first has first prospect at the mentioned limits.
Particular Responsibility Key Details:

Insurance is for the other party.
State minimal limits differ, check together with your insurance representative.
Common limits are 100,000/300,000.
Require higher restricts? Check always into an umbrella policy.
Michigan has different principles regarding injuries.

 PD = Property Damage If you trigger harm to house with your vehicle, such as for example yet another vehicle, street indicator, mailbox, or other things for that matter protection is presented below property damage. Accidents do happen so home injury is contained in all car insurance plans.The coverage is usually displayed correct alongside particular responsibility 100,000/300,000/100,000. The past 100,000 is the property damage limit.
 Home Injury Important Details:

Covers property to the others broken by your automobile
State minimal limits range, check always together with your insurance representative.
Common limit 100,000

Additional Insurance (not for many states)

Mini Tort or Confined Property Damage
Personal Injury Security
Accidental Demise Coverage
Property Protection

For Cheap PLPD Insurance in Grayling Call (586) 789-9722 Now!

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