CARS

Auto-Insurance, Car-Donation, Car-accident-lawyers…

How NOT to Screw Up an Auto Accident Settlement

DO NOT ADMIT CAUSEIf you have never been a motor vehicle accident that resulted in having to file a suit against the at-fault driver, then you still have time to learn: Don’t screw up your auto accident settlement. That may seem harsh, but sometimes you can innocently mess up your chances of receiving what you should in the settlement.

I asked a group of folks for what they had learned when they went through the auto accident settlement process. The advice covered what to do at the accident scene, what and how to document everything, how to deal with the other guy’s insurance company, and when it may be time to hire an attorney.

Here are the top 10 bits of hard-earned wisdom:

1. While at the accident scene: call for medical assistance immediately if anyone is injured. Remain at the scene of the accident. 2. Get information concerning the time, place, date, location, as well as the other driver’s auto license number and driver’s license name and number. Write everything down!!! Get names and phone numbers of witnesses and passengers. 3. Take pictures at the scene of the accident…of everything; your vehicle, the other vehicle involved, the area the accident happened in, and any personal property that may have been damaged in your vehicle. If the police are there, point out what is damaged to them or to the witnesses. 4. Contact your insurance company and be sure to get the claim number assigned to the case. If the police are called, get a copy of the report and DO NOT sign or admit any guilt. 5. DO NOT ADMIT CAUSE. Don’t admit to doing anything. Even if you think it was your fault, don’t say it to anyone at the scene of the accident. 6. Document everything. If you miss work or school, document the days you missed, the reasons why you missed, and what that day was worth to you financially. Have it signed by someone in authority at work or school. 7. Be sure, if you are injured, to seek medical attention. Keep a journal and record the names, addresses, and phone numbers of doctors, hospitals and clinics. Record the date and reason for each office visit. Make an entry every day in the journal describing any sort of physical, mental or emotional problem you experience which may have been caused by the accident. 8. If the other driver’s insurance company contacts you, do not respond. Send their correspondence to your insurance company or attorney, and let them respond on your behalf. 9. Don’t settle for just whatever the insurance company tells you they will pay for the damages to your vehicle or property. 10. If there is a significant amount of money involved, consider hiring a lawyer.

Here’s what a couple of folks learned, in their own words:

“I was in an auto accident 3 years ago and I got a settlement. It was not as much as I should have received, but I got all I could. The one thing I learned is that since my major medical insurance paid my medical bills, they had a lien on my settlement. If I had not taken the person to court that was at fault, my major medical insurance company would have gotten the settlement instead of me. Consult with a car accident attorney as soon after an accident as possible so that you know your rights.”

“One thing I have learned from being in an auto accident is that one must remain firm with the other driver’s insurance company. They will try to play games and push time limits etc. Stay on them. Keep track of the times you called and who you spoke to. Then if you have to file a complaint with the Department of Insurance (which we did) or seek the assistance of an attorney, then you have proof of your attempts to communicate and their unwillingness to help.”

If you will follow the advice of those who have “been there done that” then there’s a good chance you won’t screw up your auto accident settlement.
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Accident Scams Affect Low Car Insurance Costs

low-car-insurance in USADishonest people scam insurance companies every day. Insurance companies then pass the cost of these scams down to the consumer by raising rates. What is more worrisome than the scamming and loss of low car insurance is the life risk these criminals pose to each and every one of us. They do not care that our lives and our family’s lives are put in danger by their unscrupulous behavior. Learn how to recognize and avoid some of the most common accident scams.

The sideswipe: A person will continuously make left hand turns in an intersection with multiple lanes until someone accidentally crosses the lane lines. The scammer then speeds up and causes a collision. To help others, tell the police if it seems that the other vehicle sped up instead of braking. You can avoid this type of crash by diligently keeping to your lane.

T-Bone Crash: This crash is orchestrated very simply. The criminal will inconspicuously wait at an intersection until someone crosses, then ram them. The criminal will claim you ran the red light or stop sign. Planted witnesses will collaborate with the other driver. This is hard to avoid. Do your best to find a witness not involved in the scam.

Swoop and Squat: Almost everyone has heard of this tactic. It is when a car swoops in front of you quickly, then slams on the brakes (squats). Many times the vehicle has multiple passengers who will claim injury. Often there are doctors and lawyers involved also. This one is extremely hard to avoid. The best thing is to just pay attention to passing vehicles and be prepared to stop quickly. These scams tend to file huge claims and affect the low cost of insurance the most.

Right of Way Scam: A really nice person gives you permission to merge with a friendly wave, then crashes into you. This person denies ever yielding right of way. You can avoid this one of two ways. You could never submit to strangers kind gestures or you could hesitate before merging. This assures there is plenty of room for you to accelerate quickly when changing lanes. It will help avoid a side impact. Then if the perpetrator hits you from behind, he or she clearly accelerated and it will be his or her fault.

Paper Scams: Criminals will report a bogus hit and run or will file a claim for a low amount of money. Amounts under one thousand don’t tend draw red flags from insurance companies and can add up to a lot of money if claimed several times a month. these criminals will usually switch insurance companies often or enlist multiple partners in the scam and split the profits. These don’t affect others except for ruining low cost insurance rates.
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Save Money: Affordable Auto Insurance

Purchase Auto Insurance from Same ProviderIf you’re shopping for affordable auto insurance and looking to save money, there are many variables to consider. The price of auto insurance varies depending on the car you drive, your driving record, and the insurance company you choose. This guide has information to help you choose the best auto insurance policy for your goals.

Shop Around

It’s easy to shop around and get price quotes from various companies now that most of this information is online. Insurance Information Institute (www.iii.org) suggests drivers get at least three price quotes. You can get an online auto insurance quote from an insurance Web site or call them directly. Sometimes, your state insurance department has charts to compare auto insurance (http://www.iii.org/media/companies/state_org/insur_departments). Be sure to compare quotes from different types of insurance companies. For example, some companies sell policies through their own agents, while others sell through independent agents who offer policies from various insurance companies. Sometimes policies are sold directly online or by phone. Depending on the sales method, prices may vary.

Remember, though, you shouldn’t shop by price alone. Make sure the company as a whole satisfies you. Do they answer your questions and handle claims effectively and fairly? Talk with friends, family, and co-workers, or check consumer magazines. State insurance departments also provide consumer complaint ratios for various companies.

Ask for Higher Deductible

A higher deductible can lower the price of your auto insurance considerably. According to www.iii.org, “Increasing your deductible from $200 to $500 could reduce your collision coverage and comprehensive coverage premium by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more.” These are substantial savings; however, you need the deductible on hand in case something happens to your vehicle.

Compare Insurance Costs Before Buying Car

The price of auto insurance depends greatly on the type of car you drive. Factors include the sticker price, costs for repair, overall safety record and the likelihood of theft. Often insurers offer discounts to drivers who take measures to reduce the risk of injuries or theft.

Purchase Home and Auto Insurance from Same Provider

If you buy two or more types of insurance from one insurer, you will often receive a multi-policy discount. You may also pay a lower price if you insure more than one vehicle with the same insurance company. Often, long-time customers are offered reduced premiums.

Take Advantage of Low-mileage and Safe-driver Discounts

Some motorists receive a low-mileage discount from their insurers for driving a lower than average number of miles per year. These discounts also often apply to drivers who carpool. And, if you’re a safe driver, and you have not had any accidents or moving violations in a number of years, many companies will reward you with a safe-driver discount. If you’ve recently taken a defensive driving course, you may also receive a price reduction.

To save money on, business auto insurance is something to ask about. You may be eligible for insurance through your employer, or through professional or business groups and other associations you are involved in. You should also closely monitor your credit rating because your credit may affect the price you pay for insurance. No matter what, always shop around and compare prices. This is the most effective way to save money on auto insurance!
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Car Insurance – Cheaper to Go Green

car insurance costMany drivers have noticed that their car insurance premiums have recently risen and as a result say that they would go green in order to save money.

A leading comparison site has found that a quarter of drivers are paying more for their car insurance than they were last year, with the average policy rising by 6 per cent. This increase also seems set to continue as experts believe that there may be further rises to as much as 10 per cent by the end of this year.

The comparison site is warning drivers that unless they shop around and compare prices in order to find cheap car insurance , they could end up paying a lot more than they have to for their premiums.

Out of all of the people questioned in this survey, 28 per cent admitted that they had accepted the increase and only 30 per cent said that they moved to a different insurer after prices increased.

The comparison site said that with prices for things such as mortgages and food rising, we should be taking every step we can in order to save money.

Due to this trend of car insurance costs rising, another price comparison site has found that two thirds of motorists would rather buy a more environmentally friendly car if it meant that their car insurance premiums would be lower.

There are already around two million drivers who claim they drive a ‘green’ car, however; a further 21 million say that they would consider driving one if it meant them having more money as a result.

When motorists were asked what their reasons were for buying an eco friendly car, most admitted that it would be because of the money incentive rather than the any environmental worries they may have.

With many British drivers saying that they would be willing to embrace greener driving, it is down to the Government to give them the incentive by making greener driving cheaper. The problem at the moment is that it doesn’t look to be cheaper, as the cost of repairs could mean that it ends up being a lot more expensive. If the Government was to reduce the cost of road tax for green drivers they would have more of an incentive. However, at the moment, it looks like the best way of ensuring cheaper car insurance is to continue comparing quotes.
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Car Insurance for Teenagers

Car insurance for teenagers can definitely be costly ventureThe happy day has arrived! Your teenage son or daughter has taken the drivers license test and passed with flying colors. You have a teenaged driver in your house. Of course, NOW you must look at car insurance for teenagers and this could take a bit of the joy out of this milestone event.

You COULD just refuse to let your teenager drive at all until he is older. But I dare say that would not make for a pleasant environment in your household. There are other ways to avoid using your life’s savings to obtain car insurance for teenagers, though. You just need to do a bit of research before making the final decision.

If the car being driven is an older model, this can help you save a bit of money on the insurance premium. Older cars are heavier and harder to drive recklessly, which makes them safer. While your teenager is probably not going to be thrilled with this vehicle choice, it is a way for him to get insurance and start driving immediately. If you drop collision and comprehensive damage on this car, opting for liability only, you will have an affordable premium. The physical damage coverage on a car is where you really pay through the nose.

Driving history will be another factor in obtaining reasonable rates in car insurance for teenagers. If he is a safe driver, avoiding tickets and accidents, his driving record will speak for itself. However, he will not have a driving record to consider when obtaining insurance for the first time. Here is where graduating from a good driving school might just make a difference in the premium.

Some insurance companies will award a discount to first time drivers if they have at least a B average or higher in school. This discount can be quite substantial so it would be advisable to shop around for companies that will do this.
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Cheap Car Insurance: A True Friend

cheap car insurance and guiding you how to get discountOne of the dreams of people in all times and ages have been to own a car. A supremely useful vehicle that reduces lot of trouble that are faced by people. To start of with cars reduce the problem that people face in commuting. They thankfully reduce the trouble that people face while travelling as well as relieve them from the agony of waiting for the bus. Not only this the cars also are a tremendous add on for the status symbol. No wonder people in all times and ages have aspired to own cars. Things, however, were not that easy for car lovers earlier as it was indeed difficult to buy a car because of the price involved in it. However, emergence of several financial organisation which are ever willing to give loans at a very cost-effective rate and without much hassles have made it relatively easy for people to buy cars. However, with the rate of accidents continuously on rise it indeed is a challenge to repair the damage in case the car faces one for the cost can be pretty astronomical. It is here that cheap car insurance comes for one’s rescue and ensures that one is spared from the trauma of arranging money for the repair as it is the insurance company that does that for its employees.

This is a wonderful thinking on part of insurance companies because in quite a few instances it has been seen that the cost of repair of the cars have been immense which resulted in grave hardship faced by the concerned people. Car insurance, it must be said, is devised with the intention of bringing respite in all such cases.
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Insurance: Discount Auto Insurance

The internet is place to find out about the discountsAuto insurance is an necessity, but why pay more for it than you have to? Take advantage of every possible discount on auto insurance that you can. Many people choose to pay auto insurance on a monthly basis. However, the premium is calculated on a six month or annual basis. If you look at your monthly statements, you are being charged for the convenience of making the payments monthly. If you pay the six month or annual premium in full you will save money over the course of the policy.

Most insurance companies offer more than just auto insurance. They want to be a provider for all the needs of their customers. There are multiple discounts offered on auto insurance if you combine it with another policy such as your home owner’s insurance or a life insurance policy. This is because the insurance company wants to maintain your business. They can even roll everything into one convenient monthly, quarterly, semi annual or annual payment.
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8 Easy Routes to Cheaper Car Insurance

how to: Cheaper Car InsuranceCar insurance is one of the most expensive costs involved in driving a car, and it’s not something you can avoid - a minimum level of insurance is required by law. That doesn’t mean you have to blindly pay whatever your insurer quotes though, as there are several simple things you can do to reduce the cost of your premiums.

1) Shop around and buy online: Figures show that many people simply renew their current policies without shopping around. The internet makes it easy to compare prices from different insurers, so why not take advantage of this? Plus, you’ll usually get a discount of 10% or more just for buying your policy online.

2) Policy type: do you really need a comprehensive policy with all the extras? Going for a third party fire & theft policy can reduce your premiums hugely, and is definitely worth considering if your car isn’t an expensive model. Read the rest of this entry »

Online Car Insurance

No claim bonus discount, online auto insuranceReliable, Economical Online Car Insurance.

1 Cover Car Insurance Makes Protection Easy AND Affordable.

The number of times you hear, “Oh, so and so had a car accident. They’re ok but they weren’t insured.” Doesn’t your heart sink! All the information deposited in your brain about the overwhelming cost for the driver and the vital need for auto insurance comes flooding to the surface.

Often we don’t stop and think of car insurance because our lives are so busy. We tend to address issues on an ‘as needs’ basis. As Australians we also tend towards the “She’s right” mentality. The trouble with issues like motor vehicle insurance is that it is way too late after the event.

At 1 Cover Car Insurance, We Understand How Life Happens …
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Direct Online Car Insurance - The Easy Way To Get Your Auto Cover

online car insurances QuotesDirect online car insurance is the easiest way to make sure you are covered for car accidents, theft or damage from fire. We all know how indispensable cars are to our daily life and with the growing number of driving accidents, it is better to be safe than sorry. Taking out an indemnity cover on your vehicle is a prudent thing to do.

Which Auto Insurance To Buy

Most kinds of auto cover both the insured party and the insured vehicle. Some also offer third party coverage, in case of accidents where the party is at fault. You can choose the one that suits your requirements. Remember that auto insurance prices are determined on the basis of age, sex, gender, vehicle type, location and driving history. So if you have a safe driving record, you can get your auto insurance cheaper. Read the rest of this entry »

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