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Auto Insurance

Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or loss a motor vehicle owner may face if their vehicle is involved in a collision resulting in property or physical damages. Some states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another. A motor vehicle owner typically pays insurers a monthly fee, often called an insurance premium. The insurance premium a motor vehicle owner pays is usually determined by a variety of factors including the type of covered vehicle, the age and gender of any covered drivers, their driving history, and the location where the vehicle is primarily driven and stored. Many insurance companies offer premium discounts based on these factors.

Insurance companies provide a motor vehicle owner with an insurance card for the particular coverage term which is to be kept in the vehicle in the event of a traffic collision as proof of insurance. Recently, states have started passing laws that electronic versions of proof of insurance can now be accepted by the authorities.


Carlsbad, California


Carlsbad's history begins with the Luiseño people who located one of their villages, Palamai, near what is today Agua Hedionda Lagoon. In the 1880s a former sailor named John Frazier dug a well in the area. He began offering his water at the train station and soon the whistle-stop became known as Frazier's Station. A test done on a second fresh-water well discovered the water to be chemically similar to that found in some of the most renowned spas in the world, and the town was named after the famed Spa in the Bohemian town of Karlsbad.

To take advantage of the find, the Carlsbad Land and Mineral Water Company was formed by a German-born merchant from the Midwest named Gerhard Schutte together with Samuel Church Smith, D.D.Wadsworth and Henry Nelson. The naming of the town followed soon after, along with a major marketing campaign to attract visitors. The area experienced a period of growth, with homes and businesses sprouting up in the 1880s. Agricultural development of citrus fruits, avocados and olives soon changed the landscape. By the end of 1887, land prices fell throughout San Diego County. However, the community survived on the back of its fertile agricultural lands.

The site of John Frazier's original well can still be found at Alt Karlsbad, a replica of a German Hanseatic house, located on Carlsbad Boulevard.

The first modern skateboard park, Carlsbad Skatepark, was built here in March 1976. It was located on the grounds of Carlsbad Raceway and was designed and built by inventors Jack Graham and John O'Malley.

In 1999, Legoland California, the first Legoland theme park outside of Europe, now owned and operated by Merlin Entertainments, opened in Carlsbad.

Carlsbad was incorporated to avoid annexation by its neighbor, Oceanside.

(Source:Wikipedia.org)

For more information about Carlsbad auto insurance, give Ken May Insurance a call at 888-724-2086.
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