Many Renters are Still Uninsured

Many Renters Are Still Uninsured According to I.I.I. Poll

August 5, 2013

Although the majority of homeowners purchase insurance for their home, when it comes to renters, only 65 percent have renters insurance, according to a poll conducted for the Insurance Information Institute (I.I.I.).
The number of renters is steadily increasing. According to an April 2013 U.S. Census Report, the share of housing occupied by renters rose to 35.4 percent in 2013—up from 34.1 percent in 2009. And in some of the country’s largest cities, renters significantly outnumber homeowners. In New York City, 69 percent of households rent their homes, followed by Los Angeles (61.8 percent), Chicago (55.1 percent) and Houston (54.6 percent).
“One of the biggest insurance problems after Sandy was the large number of renters who did not have coverage for their homes,” pointed out Jeanne M. Salvatore, the I.I.I.’s consumer spokesperson and senior vice president. “It can be extremely expensive to have to re-buy the entire contents of your home, so a renters insurance policy provides very important financial protection when there is a hurricane or other covered disaster.”
Renters insurance is relatively inexpensive. In fact, the average renters insurance policy costs only $185 per year in 2010 (the latest year this data is available) according to the National Association of Insurance Commissioners.
With renters insurance,  personal belongings are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage. However, renters insurance does not cover damage from flooding. Flood insurance is available for renters from FEMA’s National Flood Insurance Program.
Renters insurance includes additional living expenses (ALE) coverage. ALE pays for hotel bills, temporary rentals, restaurant meals and other expenses while a home is being repaired or rebuilt.
Like a standard homeowners insurance policy, renters insurance includes liability protection.

Source: I.I.I.

  WHEN YOU'RE PULLED OVER

You will be in a much better position to challenge your ticket in court if you take a few simple steps.  Here are some suggestions from NOLO.

When You See the Police Car

If a police car is following you with its siren blaring or emergency lights flashing, pull over to the right safely and quickly. Pull over in a way that will be most likely to calm down an angry or annoyed traffic officer. Use your turn signal to indicate any lane changes from left to right, and slow down fairly quickly, but not so quickly that the officer will have to brake to avoid hitting you. Pull over as far to the right as possible so that, when the officer comes up to your widow, he or she won't have to worry about being clipped by vehicles in the right lane.

By stopping as soon as you can, you'll have a better chance of figuring out exactly where the officer says you committed a violation. You may want to return to that area later to make sure the officer was telling the truth about how he or she judged your speed, saw your turn, or witnessed any other violation.

Right After You Stop

After you've pulled over to a safe spot, you might want to show the officer a few other token courtesies. At this point, you have little to lose and perhaps something to gain.

First off, roll down your window all the way. You may also want to turn off the engine, place your hands on the steering wheel, and, if it's dark, turn on your interior light. This will tend to allay any fears the officer may have. (After all, police officers are killed every day in such "ordinary" traffic-stop situations, and the officer's approach to the vehicle is the potentially most dangerous.)

Don't start rummaging through your back pocket for your wallet and license, or in your glove compartment for your registration, until the officer asks you for them. For all the officer knows, you could be reaching for a gun.

If you are at all concerned that the person who stopped you is not actually a police officer (for example, if the car that pulled you over is unmarked), you should ask to see the officer's photo identification along with his badge. If you still have doubts, you can ask that the officer to call a supervisor to the scene or you can request that you be allowed to follow the officer to a police station.

Avoid Giving the Officer an Excuse to Search

A police officer is normally not allowed to search your vehicle. However, there are several exceptions to this. An officer who observes you trying to either hide something under the seat or throw something out the window may legally search your car. Once cops are on your rear bumper with his spotlight silhouetting your every move, they're watching for any sort of furtive movement. A sudden lowering of one or both shoulders will tip them off that you're attempting to hide something under the seat.

If the officer has a reasonable suspicion you are armed and dangerous, he or she can frisk you (pat you down). Similarly, if the officer reasonably suspects that you are involved in criminal activity he or she can also perform a pat down, and if police officers have probable cause -- a reasonable basis or justification to believe that you or your passengers are involved in criminal activity -- they can search your car and objects belonging to passengers.

Even if the officer doesn't have reasonable suspicion or probable cause, once you are stopped, a police officer may seize any illegal objects in your car that are in "plain view." Once they see the object, such as open beer or wine bottles or drug paraphernalia, they can open the car door to reach in and get it. After that, they may come across other objects that are in plain view and shouldn't be in your car, and they can seize these, too.

Lastly, your car may also be searched if you or any occupant is arrested. Also, if you're arrested and your car is towed, the police may make an "inventory search" afterward, even if they have no reason to suspect there is anything illegal inside.

 Should You Get Out of Your Car?  Not until asked.

An officer who stops you for an alleged traffic violation has the right to insist that you and your passengers get out of your car. You should do so if asked. Also, getting out of your car may make it easier for you to check road conditions, the weather, and the place the violation supposedly occurred.

However, many police officers prefer that you stay in your car and will tell you to stay there if you start to get out. If this happens, obviously you should cooperate. If you get out of the car against the officer's orders, don't be surprised to see a gun pointing at you. Cops are trained to expect the worst. When you get out of your car, they may assume you're about to pull a weapon or attempt to flee.

If an officer has any reason to believe that you might be dangerous, he or she has a right to conduct a quick "pat-down" search of your outer clothing while standing next to you, to make sure you don't have a concealed knife or gun. If the officer feels any weapon-sized object during the pat-down search, he or she can reach in and get it. Also, the officer's good faith belief that you may be dangerous justifies a search of the passenger compartment of your car for weapons.

Talking to the Officer

Many people stopped by an officer make the mistake of saying the wrong thing to him or her and failing to say the right things, and a case can be won or lost depending on what you say -- or don't say -- to the officer.

Don't speak first. Especially don't start off with a defensive or hostile "What's the problem?" or similar words. Let the officer start talking. He or she will probably ask to see your license and vehicle registration. Many people make the mistake of insisting the officer tell them why they were stopped before they'll comply. Don't make that mistake. Reply "okay" or "sure," then hand over the documents.

One of the first things traffic cops learn in the police academy is to decide, before leaving their vehicle, whether they're going to give a ticket or just a warning. They may act as though they still haven't made up their minds and are going to let you off only if you'll cooperate. Don't fall for this. The hesitating officer may be trying to appear open-minded in order to extract admissions out of you, to use them against you in court if necessary. The strategy is to try to get you to admit either that you committed a violation or that you were so careless, inattentive, or negligent that you don't know whether you did or not.

The officer might start by asking you the sort of question whose lack of a definite answer would imply guilt, like, "Do you know why I stopped you?" Or, he or she might ask, "Do you know how fast you were going?" Your answers, if any, should be non-committal and brief, like a simple "No" to the first question or a very confident, "Yes, I do," to the second. If the officer then tells you how fast he or she thinks you were going or what he or she thinks you did, don't argue. Give a noncommittal answer, like, "I see," or no answer at all. Silence is not an admission of guilt and cannot be used against you in court.

For further information about police stops, see The Criminal Law Handbook: Know Your Rights, Survive the System, by Paul Bergman and Sara J. Berman (Nolo).