If you get a ticket for illegal passing, it could be a moving violation that puts points on your license and could lead to your auto insurance rate to increase. You know to follow the law, but when exactly is it legal and illegal to pass someone?   Passing on the left The rules for passing on the left are pretty simple. On a multi-lane road, you can almost always pass using a travel lane heading in the same direction. The only exception is in areas marked “no passing” or with solid lines. You may not pass in dedicated turn lanes. You also need to obey the posted speed limit. On two-lane roads, you can pass using the opposite lane when you have a dotted yellow line both at the start and finish of the passing maneuver. Of course, you also need to safely clear oncoming traffic. There is no exception to the speed limit with this type of passing, either. Passing on the right Passing on the right in travel lanes varies. Some states treat it the same as moving a lane to the left to overtake. Other states prohibit passing on the right even when another driver is camping in the left or middle lanes. The safety reasons for states banning passing on the right are conflicts between cars passing on the right and left moving back to the middle lane. Passing off the road, such as to avoid waiting for a car turning left, is almost always illegal. What About Buses? Passing stopped school buses is obviously illegal and results in heavy fines with the exception of states that allow traffic heading in the opposite direction on a divided road to continue. City buses create a more uncertain situation. If there are multiple lanes for your direction, you can move to an available lane. If there’s a single lane for your direction, it’s often illegal to cross a double yellow line to pass a city bus even if it’s stopped for loading and unloading. Some states may enforce this more strictly than others, so what you see on the road may not be the actual law. Check your local laws to know what to do in your area and avoid a ticket that could increase your car insurance rates.

When is it legal and illegal to pass someone??

If you get a ticket for illegal passing, it could be a moving violation that puts points on your license and could lead to your auto insurance rate to increase. You know to follow the law, but when exactly is it legal and illegal to pass someone?   Passing on the left The rules for … Read more

March 24, 2020

What to do about home insurance when you live in your home part-time

If you don’t live in your home the entire year because it’s your vacation home, you’re a snowbird or you just like to take long vacations, you need to pay close attention to your home insurance. Living in your home part-time creates extra insurance risks, so you may need extra coverage.   Why is there more … Read more

March 19, 2020

COVID -19 (Coronavirus) Update from Mt. Franklin Insurance

With the precautions of COVID-19 (Coronavirus), Mt. Franklin offers many automated and remote capabilities to assist you:   Online electronic signature – no more “in person” ink signature required. Online computer meetings that allow us to review documents with you from the comfort of your home. Robust conference capabilities to allow group meetings via telephone. … Read more

March 17, 2020

Does your auto insurance cover your camper trailer?

When you tow a camper trailer, you want to know that your car insurance protects you. It typically will give you some protection, but there are a few things you need to know.   Liability coverage When you tow a camper trailer or other trailer, the most common rule is that your liability protection will extend to … Read more

March 12, 2020

How to Properly Inventory Your Home

How exactly does your home insurance protect you when you need it? The key is having a good inventory to be able to prove what you owned and what it was worth. Here’s what you should do.   1. Save all receipts Keep all your receipts for both proof that you owned each item and what you … Read more

March 10, 2020

Moving to a new office? Here’s what your insurer needs to know

Whether you’re expanding your business, downsizing or you just found a place with lower rent across town, a new office means you’re going to have to make some changes to your existing business insurance policy. The rule of thumb is the same as always: The more your insurer knows, the better they’ll be prepared to provide you … Read more

March 5, 2020

Rodent damage and car insurance claims

Squirrels, mice, and rats live in every part of the country. And these rodents also love to turn vehicles into a shelter for the winter. Engine compartments, vehicle interiors, and even mufflers are often deemed ideal nesting spots for pesky pests. In addition to making unpleasant smells, these rodents also tend to chew through important … Read more

February 27, 2020

5 Tips to make your next family road trip more enjoyable

The annual family road trip. For some, it brings back wonderful childhood memories of visiting tourist sites around the country. To others, it reminds them of endless hours of driving while squished in the car with their siblings and eating peanut butter sandwiches en route to save time.   Traveling by car can be cheap … Read more

February 25, 2020

Affordable fixes to reduce your home insurance rates

One of the best ways to bring your home insurance rates down is also one of the best ways to improve your home: Make all those small and medium-sized fixes you’ve been meaning to make.   Here are a few quick fixes that can help you pay lower premiums: Tear down old structures on your property. If … Read more

February 20, 2020

What To Look For In Home Insurance In 2020

Whether you have a mortgage for your home or not, it is important that you have a home insurance policy. The purpose of a home insurance policy is to protect your finances and investment in the event your property is damaged or destroyed.   Here’s more about what to look for in home insurance in 2020. Look for discounts You should … Read more

February 18, 2020

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