Monthly Archives: January 2019

The ABC’s of Bail Bond Agents

If you’re ever arrested and charged with a crime, you’ll be put in jail. In most cases, a court will decide how much money, or bail, you need to pay to avoid remaining there until your court date. The amount of bail set depends on many things, including the severity of the alleged crime and your criminal history.

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What Is Bail?

Bail may be cash or property you deposit with the court. But what do you do if you don’t have enough cash or property to cover your bail? You could ask a family member or friend. If that’s not possible, assistance from a qualified bail bonds agent like bail bonds allentown pa is your best bet.

What Is a Bail Bond Agent?

A bail bond agent has the legal authority to deposit a percentage of your bail amount with the court. Called a bail bond, this deposit gives the agent legal custody of you until your court date.

In other words, a bail bond agent risks his or her personal funds to guarantee that you will appear before the judge when required. In return, you pay the agent a fee for the opportunity to continue enjoying the comforts of your home, going to work or school and doing everything else you normally do.

Types of Bail Bonds

The amounts of bail bonds vary. As minor offenses, misdemeanors require the lowest bonds. Bonds set for felonies and protection from abuse (PAF) violations are higher and increase with the severity of the crime. Immigration and extradition bonds apply to those awaiting immigration status hearings or wanted by authorities for crimes committed in a different state.

What Happens After Your Court Date?

If you keep up your end of the bargain and appear before the judge as scheduled, the court will return your bail bond agent’s money. Don’t, however, expect the fee you paid the agent to be refunded. Instead, consider it a small price to pay for your freedom!

A Few Things You Should Think about Regarding Your Homeowners Insurance Policy

If you have had your homeowners insurance policy for many years, like other homeowners, you likely haven’t looked at it, let alone thought about new quotes for a new policy. The problem is that your circumstances over time may change, and you may need to change your coverage. In many instances, you may be able to get a lower cost policy. The first thing you need to do is take a look at your life to determine if there are changes that can affect the premiums you are paying.

Read your policy first

You need to know exactly what your insurance is covered and what it is not covering. You may not have ever read your policy. You were too excited to have purchased your new home and didn’t take the time to read it, instead, you were satisfied to listen to your insurance agent. This may be good enough at the time, but now, your life may be much different. The best thing to do is read through your policy, and then call your agent if you have any questions about what the policy says.

Determine if there is anything significant that has changed

An example of a significant change is when your children move out of the house. Perhaps they are old enough that they have moved out and started their own careers, or maybe they are away at college and plan to get a job and have their own place to live after school. Whatever the case may be, you can get a lower rate on your liability portion of your policy because with no children around, there is less chance of injury on your property. This will mean less liability on your policy, and a chance for a higher deductible that will mean a lower premium.

There are other things to consider as well

Do you still have a pool? If you have a pool, and you don’t use it much anymore, you may want to have it covered over with dirt. This will reduce your liability greatly. For more ideas on how to reduce the cost of your policy, you can contact a homeowners insurance lodi ca agent to get more information.