Auto Insurance Questions Archive for April, 2010

  • What Info do I Need to Provide when Obtaining a Quote?

    Most motorists looking to purchase or renew their car insurance are now aware of the many other options in this day and age. Going to an insurance company and purchasing coverage there is no longer the only option. There are now a number of alternatives and many of them can be found on the internet. Free Auto insurance quotes can … (more) April 30, 2010

  • Do I need to buy new car insurance when moving to another state? If so, how do I get one?

    It is highly recommended that one purchase new coverage in the new state, especially if one is staying there for more than six months. This is to make sure that drivers could avoid any potential questionable coverage-issues and maybe even state penalties. Even if almost all of all the US states have a general rule in requiring drivers to have … (more) April 29, 2010

  • How can I protect myself from uninsured drivers?

    The dangers of having uninsured drivers or motorists on the road is that they have no financial coverage when they cause an accident. This is bad for the injured parties, especially in third party car insurance, because they hardly have any chance for being reimbursed for their damages and injuries. And there is also the trouble of the uninsured driver … (more) April 28, 2010

  • How to claim a Totaled Car?

    Some people want their cars back even after an accident. Even though it was deemed useless and uneconomical, they would take it back. There are individuals who get so attached to their cars that they would want it back whatever it might takes. People who act this way, when faced with a “totaled” assessment by their insurance company would usually … (more) April 27, 2010

  • How does Insurance Coverage Work?

    Understanding coverage The most important thing to remember about insurance is that everything is recorded in paper. This means that the company keeps a record of all related elements including the terms and conditions of your agreement with the company. When filing for a claim always remember this fact and also remember that there are terms and conditions of your … (more) April 26, 2010

  • How does Claims affect premiums?

    The relationship of Claims and Premiums The relationship between the two can be quite confusing. It depends on the state that you are living in and it also depends on the kind of policy or claims that you have made. Some claims do not affect your premiums but there are those that really affect them. The real question here is … (more) April 25, 2010

  • How does Insurance claims work?

    Knowing insurance claims Those new to insurance probably do not know what claims are. Claims, simply put, are the application for the benefits that they are they are able to get from their agreement with the companies that they have made an agreement with. This is essentially a process for you to be able to get what you have paid … (more) April 24, 2010

  • What is Gap Insurance and how can if affect me?

    Learning about “Gap” There are times when people often wonder why their insurance companies do not help them even though they applied and paid for “full coverage”. The simple reason for this is that full coverage does not actually mean full. It just means extended. Usually, full coverage usually includes accident and non accident events.  They do not mean that … (more) April 23, 2010

  • How can I protect myself from insurance companies?

    Protecting yourself from insurance companies We usually see television commercials that tell us that insurance companies are there to help us and care for us. This may have a tinge of truth in it since they provide a service that is in essence a service that secures and protects but the fact is that they are a business. They do … (more) April 22, 2010

  • How does Salvage Title affect me?

    A salvage title is a title issued by the state for severely damaged vehicles. The damages of these vehicles are said to be so severe that the cost of their repairs are more than the actual cost of the vehicle. They are given for individuals who are Insurance companies usually give these cars a tag of “Total loss”. These titles … (more) April 21, 2010

  • How can I negotiate my insurance claim better?

    Things to know in negotiating insurance claims Get facts straight People who process insurance claims need detailed, specific information about the accident in order for them to properly determine the best course of action for your situation. If you do not give them the right information about the accident then chances are that they might not be able to … (more) April 20, 2010

  • How do deductibles work?

    Deductibles are the amount that individuals must pay before the company will have their claims recognized. Think of this as service charge that you need to pay before being able to use the service. In simple terms, a company will require you to pay a certain amount, let’s say about $100, for to activate your claim for an amount that … (more) April 19, 2010

  • Where does excess of the money that the insurance companies go

    People who claim their insurance usually wonder where the money goes especially in situations which tell the claimant that the amount that they can claim is more than the actual cost. For example, the quote says that the company will pay for the $10,000 dollars for the damages that your car might incur in an accident. After some time, you … (more) April 18, 2010

  • What is the difference with claims if you get a Full Coverage Insurance?

    Car owners nowadays have seen the great importance of being covered by a car insurance. The main reason for this is because there have been a lot of road accidents and within just a few minutes, those involved in the car accident lose one of their most valuable possessions and everything they’ve worked hard for. There are times when car … (more) April 17, 2010

  • When can a car owner declare their cars as totaled to make a claim?

    Cars are one of the most prized possessions of an individual. That is why car owners do everything they can to make sure that their cars will be safe, including them and whoever rides in it. However, there are some accidents which are inevitable and cannot be predicted. Sometimes, they cannot even be stopped or prevented. What a car owner … (more) April 16, 2010

  • What are the available types of physical damage insurance coverage?

    To start with, there is the Liability Coverage, which covers bodily injury inflicted on a third party, as well as property damages, both of which the insured driver is responsible for. This is coverage is basic and is required in the most number of states in the US. One may choose to avail of Liability Coverage under the Combined Single … (more) April 15, 2010

  • How can a teenager get a good discount of car insurance?

    Almost all insurance companies do not offer discounts to student or teenage college drivers. Seeing the teenagers records on the road dismay and alarm them. Apparently the companies lead them to higher the rates of auto insurances. Unfortunately, parents suffer even after being very good and giving to their children. So how do teenagers console dismays of parents? There … (more) April 14, 2010

  • How can parents reduce big payments of car insurances?

    Teenage license is only available to age starting from 18 and above, if and when they do not belong to this range, their only way to obtain driver’s license is through their parents, which is actually stated by the law. Hence parents are still the only reliable persons in this situation. Still, after giving capricious wishes of their children, parents … (more) April 13, 2010

  • What are the pros and cons of Full Insurance Coverage?

    Full Insurance Coverage will ensure you of covering the insured vehicle, the driver/ owner, third parties which include passengers and the other driver’s vehicle. The damages previously mentioned are covered by the Collision Coverage, a type of Full Coverage. Meanwhile, natural disasters damages to the vehicle (e.g. fire and floods), damages done by people (e.g. vandalism, theft) and damages inflicted … (more) April 12, 2010

  • What are the essential facts about insurance coverage that every driver must know?

    In order to be able to decide which car insurance policy to avail of, there are several things each driver / vehicle owner must now. First, one must have an understanding of the various types of insurance coverage. The basic types of coverage are. There is the Liability Coverage which offers protection in scenarios when bodily injury is caused … (more) April 11, 2010