Yes, no insurance deductible is still an option for some car insurance coverages depending on your location and your insurance carrier. A zero deductible is not easy to find so plan on spending some time shopping around for car insurance. Why are no deductible car insurance policies becoming so uncommon?

• Deductibles lower the overall cost of insurance
• Insurance companies want to avoid the man power expense of small claims
• Hopefully, you will be extra careful if you have an out of pocket expense at stake

Both insurance carriers and agents are encouraging higher deductibles for all car insurance coverages which come with a deductible. It can definitely be a smart choice, but it is important to have different deductibles quoted. Knowing the different prices per deductible will allow you to make an well-informed decision.

• How to Choose Your Auto Insurance Deductible
• What's Behind Vanishing Deductibles?
• What Affects the Cost of Car Insurance?

Google is making things happen in regards to its driverless car. According to the Detroit News, Google has recently been in talks with major insurance carriers to begin negotiating logistics on how coverage will work. It seems Google is ready to get serious about making autonomous driving a reality for the public.

Now Google has gotten a Nevada test license making it the first state to issue such a license. The DMV ran Google's driverless vehicle through a rigorous test and it passed. Nevada obviously wants to be a front runner for this game changing technology. In the next 10 years smart cars will be the new smart phones.

Google's current technology drives a car for you, however human interaction isn't totally out of the equation. If the lines on the road aren't adequately painted on the road or if the weather conditions are bad, a driver will need to take over control.

I love the idea of driverless cars. And I'm a little jealous Nevada is the first state to step up and publically accept the idea. I thought Michigan was the home of cutting edge auto technology.

• What Affects the Cost of Car Insurance
• What is Car Insurance For?
• 5 Best Ways to Learn About Car Insurance

Thirty plus states in the US have implemented some type of auto insurance verification program. Some are more sophisticated than others. More and more states are looking for insurance companies to send notification directly to the state in regards to driver's insurance status.

Kentucky has recently started enforcing their verification program and the system still has a lot of hiccups. It is meant to catch people who purchase auto insurance just to cancel the policy after their vehicle registration has been updated. Without all the kinks worked out of the system, many drivers following the law are having trouble renewing their registration.

Possible Causes for Problems

• Verification isn't received by the state
• Switching insurance carriers
• Changing vehicles

Kentucky's system allows 45 days for the driver to provide proof of insurance. If proof of insurance is not received, your registration can be cancelled and fees may be accessed. A simple process can easily transform into a major pain with updates not being received in a timely manner.

It takes time for insurance carriers to get on board with regular data updates. Auto insurance verification programs cost millions of dollars and are usually incorporated into your vehicle registration costs.

It does make the road a safer place to be, but until the state's technology gets streamlined the annoyances are probably not over for Kentucky state residents. I think verification programs are a necessity because of the constant abuse of so many uninsured drivers. Hopefully, the technology will advance quickly making insurance verification simple and quick.

Driving down the road you may be alert for possible dangers, but do you ever consider trees near the road as being harmful? Trees along the side of the road can be dead or in desperate need of trimming. In September 2011, a women in Newport Beach was killed when a large tree fell on her vehicle while sitting at a stop light according to OCWeekly.

Unfortunately, it is not as uncommon as you might think for cars to be damaged and people to be injured while on the road by falling trees. A lot of trees out there need to be seriously trimmed or completely removed. Damage to your vehicle would typically be covered by your car insurance assuming you purchased the appropriate coverage. In the case of the women in Newport Beach, the family is suing the city for damages for negligence.

The scariest part of a tree falling tree on your car is even the most defensive driver is at risk. Do you think the city or the tree's owner should be held responsible if their tree damages a car or injures someone?

• A Tree Fell On My Car
• Do I have Windshield Insurance?
• Will My Insurance Replace My Windshield?