Archive for December, 2008

30
December

Embarking on a fun trip far away from your home will not be a bad idea. The question that needs an answer here is “Are you traveling by road?” Will you drive or be driven in your vehicle? If yes, then you need to get the car insured. Do not forget what can happen on the highway; accidents and other unforeseen incidents… just to name a few.

As you drive, please note that your life and the lives and properties of other road users are very important.

In most developed countries, auto insurance is necessary for all car owners. You can get yourself arrested and charged for attempting to kill yourself if you failure to insure your vehicle. These car insurance service is easy to acquire if you know the right way to follow. Are you surprised? You better not be, because this article will unveil all you need for you to get cheap auto insurance quotes.

The internet is one major way to go about this.

You do not need to depend on one insurer because your father used to transact business with them. Try to search deeply using the internet for vehicle insurance service providers who are ready for business and can offer great discount deals. Get free insurance quotes, enter your zip code and submit.

Purchasing your preferred car insurance policy is very easy if you do your shopping online. As you shop, make sure you get more than one quote. It is advisable to get many quotes if you need to get cheap auto insurance deals.

If you want to get a cheap rate auto insurance, try increasing your comprehensive and collision deductibles. Also if you have more than one car, get them insured by one insurer.

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Young Driver Auto Insurance Tips

When Kids Drive…

I guess that time when our kids learn to drive is a mixed experience for every parent. We are proud to see that our children are becoming more independent, and maybe we are relieved because they can start to provide for their own transportation some of the time. On the other hand, it can be a big area of concern too. We want them to be safe, and we know that kids tend to be more impulsive. Of course, they are just starting to drive, so they will not be as experienced as we are at avoiding road hazards or other unsafe drivers. They will not think ahead like we do, so we worry that they will not be able to predict problems on the road.

Insurance Companies and Student Drivers

Of course, insurance companies think about all of things that parents think about when it comes to younger drivers. Since the teen or young adult will not have had time to establish their own driving history, they must all be lumped in with other people their age. If statistics show that teens and young adults, as a group, are responsible for more claims than 50 year old drivers, auto insurers will want to charge them more for coverage.

So many parents who have good driving histories will be shocked when they get the first bill after they cover their student driver. Sometimes rates can double or triple for the family. But they can take some steps to find affordable insurance for themselves, and for their kids.

Good Student Discounts

Many auto insurers have found that students with decent grades also tend to be more responsible in all areas of their lives. They will offer discounts for students who keep up a B average on their report cards. So a good report card from their teachers can offset an individual students lack of a driving history.

Safe Car Discounts

Some cars are just cheaper to insure. If young Sammy or Suzy drives a sedate family car, they are certain to have better rates than if they are handed a high power sports car for their 16th birthday. It would be prudent, for many reasons, to let the student drive a safer car.

Safety features and anti-theft devices also matter. If any features of a car help reduce the chance of an insurance claim, an insurer will probably offer a discount for that feature. Many newer cars already come equipped with features that make them safer, and less likely to be stolen. It may also be worth the money to improve an older car. It will be safer, less likely to get stolen, and cheaper to insure!

Auto Safety Classes

Insurers believe that drivers education and drivers safety classes help prevent accidents. While a student may lack experience, a class can help make up for some of that. Experienced drivers can help pass on some of their knowledge about safe driving to young drivers. It is almost always worth the time and money to take a drivers safety class. Your young driver will be less likely to have a car accident, and they will also get cheaper auto insurance rates!

Category : Auto Insurance Tips | Blog
27
December

Drivers and passengers in moving vehicles regularly get injured in low speed, low impact collisions. The best example is a rear-end collision while in slowly moving traffic. Many times, the injuries are soft tissue injuries, like neck injuries, that are hard to diagnose and take time to treat. Insurance adjusters, whether independent or company adjusters, have a difficult time believing that you could have gotten injured in a low speed, low impact car wreck.

They think you’re lying.

So, if you’ve had a car wreck that could be considered low speed or low impact, know that the adjuster is going to start out at best skeptical, and at worst committed to proving that you weren’t injured.

Low speed accidents are self explanatory. But if you’re traveling at 45 mph and are struck by car going 55 mph, there’s only a 10 mph difference between cars, so that’s low impact.

Back in October 2004, I had a rear-end collision accident. The driver behind me wasn’t watching carefully when we slowed before a red light, and he struck me from behind. The impact drove my car’s front bumper into the car in front of me. The driver behind me got a ticket. The collision damage totaled $3,474.13, and my soft tissue neck injuries settled for $2,640.00, for a total of $6,114.00.

There is a lot more to the story than just that I got a settlement. I actually got $1,640.00 more than my insurance company initially offered. These are strategies you can learn.

But let’s get back to your accident. If you got rear-ended, the other driver is at fault to some degree. If he is uninsured, or if his insurance company will not accept liability, you might consider submitting a first party claim. If you’re making a first party claim, which is you making a claim to your own insurance company, your Collision coverage will cover damage to your car. That’s pretty clear-cut. Your injuries will be covered by your health insurance, not your car insurance. Your insurance company will then “subrogate,” or ask the other driver’s insurer to reimburse them for your claim.

The adjuster for the other driver is going to do an investigation, consisting of:

1. Photos of all four sides of your vehicle to document the damage, but also to determine if there was pre-existing damage.

2. Vehicle appraisal of damages

3. Recorded statement from you. The other adjuster is going to ask you questions meant to get you to say something that could allow them to deny your claim. Understand that you do not have any legal obligation to give a recorded statement to the other driver’s adjuster. If you decide to grant a recorded statement, ONLY do it in the presence of your own attorney. And, you should include your attorney’s bill in your insurance claim.

4. Witness interviews and statements.

5. Background information. The adjuster will run your name through several databases, including ISO Claimsearch and the National Insurance Crimes Bureau to see if you’ve filed previous insurance claims. Don’t give your Social Security number to the adjuster. That just makes his job of getting your background information easier.

6. Collect your medical bills and medical history. The adjuster will likely present you with a Medical Authorization Form for your signature. READ THIS FORM VERY CAREFULLY!! Most times, the form is so vaguely worded that you give them permission to collect medical information for your entire lifetime.

Only sign an authorization that permits them to have the medical records and bills for this single incident, not your life history. Have your attorney read the form before you sign it.

7. Have experts evaluate your damages. The reason insurers hire experts is to find ways to deny or minimize claims, not help you prove your claim.

8. Waiting and delay. Delay is the most effective tool in the hands of the insurance companies. They can certainly afford to wait, even though you may not be able to wait. Delay leads to compromise and compromise very often leads to lower claim settlements.

9. Negotiate your settlement with you or your attorney. Please understand that adjusters are not intimidated by personal injury attorneys. They actually prefer to deal with them, since they won’t have to deal with you anymore. It also adds more delays to the claims process, which puts financial pressure on YOU.

10. Settlement. Low speed/low impact claims usually have a low price tag, many times below $25,000. It doesn’t usually make economic sense for a personal injury attorney to litigate a case this small, as it could cost them $5000-$10,000 to litigate. So, if the adjuster makes a “take it or leave it” offer of $15,000 (on a $25,000 case), your attorney will likely take it. That saves a ton of money for the insurer, and the adjuster gets to close another file and look good to his boss.

Remember, friends…this claims process is all about the money. It is not about truth, or justice, fair or unfair claims practices.

It is all about the money.

If you have experienced a property loss, whether fire, wind, flood or other, you need to know winning insurance claim strategies. The insurance company will not tell you the claims process, but I will. I will show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, go to the website listed below.

Now, I’d like to offer you two special reports at no cost. One is “5 Things To Do When Shopping For Car Insurance,” and the other is “5 Things To Avoid When Shopping For Car Insurance.” Each one is a $9.95 value, but free to you when you sign up for my newsletter at the website address below.

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Category : Auto Insurance Tips | Blog
11
December

Buying car insurance doesn’t have to be complicated. In fact, it’s easier than ever to find cheap car insurance by using the Web to compare insurance providers and their coverage. Buying cheap doesn’t necessarily mean giving up the coverage you need. And once you find an affordable car insurance company that offers reliable service, you can potentially save hundreds or even thousands of dollars in the years to come. These tips will help you find a policy that fits your insurance needs and budget.

State Requirements

States vary in auto insurance rates and policy requirements so you’ll want to learn what all your state requires before shopping around online. You’ll find that some insurance companies cover persons and/or vehicles in only one state while others cover multiple states. Some large, well-known companies cover many states, but this doesn’t always mean you’ll get the most affordable, dependable service from the larger providers. Some smaller insurance providers can offer just as good or better service for less. You just have to find them!

Liability is a key issue in each state. Each state has its own minimum for liability coverage. Keep in mind that the more liability coverage you have, the better off you’ll be in the long run. You simply can’t have too much liability if you’re ever in an accident that’s deemed as your fault, especially if someone gets hurt or dies. Also, consider the coverage you’ll need for yourself if you were to get hurt in an accident. You should have enough coverage to pay medical bills and to provide money for being out of work during recovery.

Quotes for Types of Coverage

When comparing car insurance quotes online, be sure and read over the types of coverage included with each policy. Consider liability, comprehensive, uninsured and underinsured motorist, property damage, medical payments, roadside assistance, towing, theft, weather damage, etc. While some types of coverage may seem unnecessary, these are well worth the price if you can find affordable coverage. You might discover that by just paying a little more, you can benefit from numerous types of coverage that you’ll be glad you have if something were to happen. Even with cheap auto insurance, you can still get all the coverage you need if you take time to compare auto insurance rates on the Web. Some company rates are surprisingly cheaper for the same type of coverage or more!

Keep Your Costs to a Minimum

There are several ways to minimize your auto insurance rates. One is, of course, to keep a clear driving record – free from speeding tickets, accidents and traffic violations. Another is to opt for safety features when you purchase a car. Also, avoid sports cars – these will cause your premium to jump to ridiculously high amounts. Be sure to ask about safe driver discounts, such as those given for Driver’s Education courses and community service. And finally, keep your credit rating up. Car insurance companies do consider your financial credit rating when determining your auto insurance rates.

When using the Web to find cheap car insurance, be sure to look at the deductible amounts. A higher deductible usually means you’ll have a lower premium. Most car insurance companies will allow you to opt for a higher deductible to lower your premium. Online auto insurance quotes can be obtained with high or low deductibles, so be sure to pay attention to this aspect of your comparison.

Once you narrow your search to several possible car insurance providers, contact each one by phone or e-mail to ask questions about their services. Do a quick research with Better Business Bureau to be sure the company has very few complaints. Larger insurance companies will generally carry more complaints because of their broad customer base, but you can still pretty much tell if the complaints are excessive by checking with the BBB.

Take your time to read all the fine print before signing, and never sign away your legal rights to sue if something were to go wrong with a claim. Beware of companies that seem shady or vague in their policy writings, and avoid any company that cannot provide an exact quote in writing.

Cheap car insurance can be found with a little patience and effort. Use an online car insurance comparison website today to find the best policy for you and your family!

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web. Learn more about Cheap Car Insurance Tips.

Category : Auto Insurance Tips | Blog
9
December

The amount of traffic on the highways continues to increase. The number of accidents causing death and injury increase along with the rising number of vehicles. When accidents occur, insurance have to pay to have vehicles fixed or replaced. That leads to an increase of insurance premiums for everyone and especially for those drivers who have been involved in an accident.

Many large insurance companies have started giving an insurance discount for defensive driving course completion. These defensive driving courses are so effective in preventing accidents that the insurance companies know they will only improve their finances by encouraging drivers to participate in these courses. An insurance discount for a defensive driving course only serves as incentive for drivers to enroll. A typical discount is usually a ten percent reduction on premiums.

How Can I Get An Insurance Discount for a Defensive Driving Course?

The first thing to do is to check with your insurance company to see if they offer the discount. If they do, you will want to know what their requirements are. Some companies only offer the discount to drivers in certain age groups which they consider to be high risk. If your company does offer a discount, then you need to know what courses they accept. Also find out what they need for verification, how long the discount applies, and how often they may repeat the course for a discount.

Once you are ready to find a course, you may be surprised at the number of options you have. Courses are available in almost any area and are also available online. If you have a hectic schedule and you don’t want to have to get away for classes, the online option will let you complete the course at your own pace. Most will print out a certificate of completion when you finish so if all that is required for verification of completion to get your insurance discount, a defensive driving course online may be the ideal course for you.

Can I Get More Than An Insurance Discount From a Defensive Driving Course?

Although getting an insurance discount for a defensive driving course is certainly a good way to save money, it isn’t the only reason and should not be the most important reason for taking a defensive driving course. These courses turn novice drivers into safe drivers that have the skills to prevent accidents from occurring as a result of their own actions or those of other drivers. Any time a program that lasts for only a few hours can be given credit for saving hundreds of lives, then it is worth more than just a discount.

Many drivers think they are already such good drivers that their skills can’t be improved upon and they would never consider taking a course in defensive driving if it were not for the insurance discount. Defensive driving courses will teach you to be a better driver no matter what your incentive was for taking a course in the first place.

To receive your car insurance discount, defensive driving courses will give you a final exam. We have more information and resources available for you on defensive driving.

Article Source: http://EzineArticles.com/?expert=David_T_Smith

Category : Auto Insurance Tips | Blog