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You were on the phone, got distracted and before you knew it traffic had stopped, giving you no room to stop and you rear end the girl in front of you. Or, let's say you're driving along and a deer jumps out and rams into the side of your door.

Now, let's say you need to file and claim and get your car fixed. But, are your rates going to go up?

In the first case, more than likely they will depending on how much your insurance company pays out to fix both cars and medical bills if anyone was injured.

But, in the second example, since this will be a comprehensive claim your rates should not see an increase at your renewal. Unless you have a long history of hitting deer then the people from PETA will be out to get you. Or if you file a lot of small glass damage claims then your rates could be affected or you may have to pay a higher deductible for comprehensive in which case small glass damage will be less than your deductible and you will pay out of pocket.

Part 2: How long does an accident stay on my record?

Ok, so back to the example where you rear ended someone. We have already established that you are going to see your insurance rates go up. Now, we need to find out how long and how much will they go up.

State insurance boards usually allow insurance companies to charge for a accident for 3 years from the day they started charging for it. Not from the time you got into the accident. You got in the accident in December and your policy runs from October to April. Your rates won't be affected until April of the next year and the surcharge will drop off 3 years from that April.

How much will your rates go up? Are they trying to get back the money they paid out for my claim? You can usually expect a rate increase of between 20-40% on average per six months. They could go up even more if you lose some discounts you were getting, such as a claim free discount.

The increase is not a recoupment of the monies paid out by your insurance company. It is designed to charge you a premium based on the risk, or chance, that you will get into another accident in the next 3 years. You are a higher risk to the insurance company and they are able to charge you for the higher risk you present to them.

If it was based on how much the insurance company paid out then you wouldn't be able to afford it if you totaled out your 2004 Nissan Maxima at $25,000 and you had to pay that back within the 3 year surcharge period. Makes sense? Good, now get off the cell phone!

A. Chris Tijerina has over 3 years of experience in the auto insurance industry and has seen many different people deal with auto insurance related problems. http://www.insurance-for-cars.com answers many of the questions facing drivers today.

If you're looking to insure your Triumph Motorcycle in near future possibly you're thinking of trying a new motorcycle insurer before renewing your exciting policy. What puts most people off is the hassle factor in first finding a new motorcycle insurer and then comparing pros and cons of policies. This can be a time consuming and a little frustrating activity. No one in their right mind enjoys looking for new insurance policies as it's a cost we are legally obliged to pay and we are generally hoping we will not have occasion to use our policy.

Luckily the web has made things a lot simpler with a number of specialist motorcycle insurance comparison sights springing up where you should easily be able to compare policies in a fraction of the time it used to take. A number of things worth noting before you decide to renew with your current insurance company. Many online insurers are very eager to gain new custom and will offer very tempting deals to clinch new customers. And this Coupled with discounts of 10% for some policies bought directly online can begin to make the price fair bit cheaper and make a small amount of effort worthwhile. Generally it's worth noting a number of things before swapping to a new motorcycle insurer.

1. Cost

Is the new policy a big saving on your current one?

2. Reputation

Have you heard of your new insurers before, do they have a reputation for Customer service and prompt remuneration.

3. Extras

What is your new policy no claims bonus scheme year on year as large savings can be made over a longer time span.

If your going to look online for new Triumph Motorcycle Insurance Then why not try a site where you can compare policies from a number of the top specialist motorcycle insurers like Cheap Motorcycle Insurance Quote.com.

$4.00 a gallon. Thats right $4.00 a gallon, and in some places gas prices are rising even higher. Just two days ago I was on a bus and I noticed a sign that said 5.09 for a gallon of gas. I felt so hurt because of the many people that rely on their cars to get them to do everyday chores and task.

Blame it on the Republicans or whomever but regardless of who you choose to blame it on, there doesn't appear to be any relief in site. The sad thing is, that even if there is relief in sight they probably will not go back to the original price of gas. Even if they bring the prices down they probably will still be quite high.

Like a lot of people most of us love the use of cars more than other forms of transportation. We would much rather hop in our car and just take a ride to the local store than to have to rely on public transportation. And not everything can be done with public transportation as it can be with a car.

Like shopping for groceries. If your not fortunate enough to live in an area where you have lots of places to access your groceries you need your car. The sad thing is not only are they raising the gas prices but they are not raising the minimum wage. So the people who live paycheck to paycheck wont even be able to do that soon. Leaving people asking themselves can I run my car on water.

I love car transportation because I am not that much into crowds and love the privacy of being able to be in a car and be in my own world. The Government doest realize that some people need cars for health reasons. They might be suffering from anxiety or some other health related issues that cause them to not be able to take the public transportation route.

There is actually some good news though. Recently it has been discovered that people have come up with ways to save on their gas. Really cutting their costs in half. Thats right allot of people are now running their cars on the greatest gift of all! Pure water. Nothing gets cheaper than water lol. Talk about the money saved and being able to get from place to place in the manner that most would enjoy. If you'd like to find out how can I run my car on water and save on gas prices then visit the how to run my car on water link below.

http://howtorunmycaronwater.blogspot.com/

Spending time with the family, especially with one's children and pets is the best way of recreation. Not only is it connecting you and your children and establishing the bonds of love and connectedness, it is also taking away the mental pressure, work related worries and stress from you as you laugh out together, entertain each other. And all the fun gets doubled up when you take your family out on a vacation. By availing an all inclusive family vacations package, you can snatch some time from your busy schedule and spend good time with family.

It is not every time that we get some moments to cozy up to our children, chit chat with our spouse, caress the pet and be with the family. The all inclusive family vacations are a good excuse and a great escapade to what your heart goes out to. And specially when the holiday packages are about places that promise lot of fun and adventure, it is not just you, but the kids are double excited and eager to go.

Most of the travel agents or holiday providers today, understand that this need applies to people from all walks of life. But those who belong to the middle class families can not afford to spend much for exciting holidays. Therefore, some travel agents have now introduced all inclusive family vacations that are not just affordable but enjoyable too. These affordable family vacation packages are suitable for people with different budgets in mind. They fit all kinds of pockets.

With such 'easy on pocket' all inclusive family vacations, now you don't have to find an excuse to avoid family trips to adventurous places. Rather start fetching for a good excuse to break free from the daily monotony and take your family to the much awaited vacation.

About The Author:

Writing on travel and tourism for quite some time now, Alfie James has now earned an expert title for himself. Amongst the top ranking website where Alfie James has contributed includes Otravel-Holidays. O Travel-Holidays is UK's number one travel agent providing cheap holidays, late deals and amazing bargains on the holiday destination of your choice. All Inclusive Family Vacations

Many corporations embark on frequent business traveling trips all through the year. Companies of such personnel provide them with all the necessities for a comfortable, safe, and entertaining travel. For this purpose companies hire professional travel consultants or business travel Management Companies to provide them with good travel deals.

These corporate travel management companies deal with various issues like purchasing airline tickets, perfect accommodation packages that involve hotels and car reservations, information about destinations, and all kind of travel news. They offer a variety of deals with several packages in various price ranges. These travel management companies keep in mind that a particular corporate company is their regular customer and hence, supplies them with discounted rates on travel tickets as well as hotel accommodations in the visiting city. This builds a good rapport with the corporate organizations and guarantees a confirmed customer.

Many websites based on travel planning and related information offer several travel deals for corporate traveling at affordable prices. The corporate travel deals offer reduce costs with agreement policies and estimate travel budget with reporting and analysis, help in managing hectic travel schedule of employees with innovative solutions and provide 24 hours traveler support at no extra charges.

Corporate companies availing travel amenities via a travel agency should enquire about the available discounts and additional facilities provided by the agency. Some great corporate travel deals include leisure facilities such as gymnasiums, swimming pools, pool tables, bars, and golf courses free of cost. This grants the employees with much needed relaxation and refreshment after the long hours of work.

The websites advertising great corporate travel deals should be checked for their reliability and genuineness quotient before placing orders and making payments online. Each travel deal is distinct from the other. Each is based on various factors such as frequency of the company making bookings through them, the number of personnel traveling, the destinations, and whether the travel is being done in holiday seasons or off-seasons.

Corporate Travel provides detailed information on Corporate Travel, Corporate Travel Services, Corporate Travel Agencies, Corporate Travel Management and more. Corporate Travel is affiliated with China Business Travel.