Most Recent Auto Insurance Questions in Insurance Claims

• Q: What Should You Keep In Mind In an Accident?

  No matter how careful a driver is when on the road, it still does not mean that the driver and his passengers are safe from vehicular accidents. The worst aspect of an accident is that it comes a surprise. No one knows when, how and where an accident would occur. So, the best way to deal with accidents is to … (more) June 20, 2010

• Q: How Do You Report an Insurance Claim?

  After a car accident, the parties involved must report the incident to their insurance companies as soon as possible. That is, the policy holders involved in the incident must immediately file for an insurance claim to their insurance company.   When a policy holder’s car is damaged in an accident, there are two insurance claims that the policy holder may … (more) June 19, 2010

• Q: How Long Should a Claim Take?

  Every state provides different set of insurance laws. Some of these laws determine the period of time an insurance claim should take. Normally, insurance companies do not tell you just how long it will take for them to settle your claim. Usually, they would tell you that they would settle it as soon as possible or that they are already … (more) June 18, 2010

• Q: What Should You Do After a Car Accident?

  There are about six million automobile accidents in the United States every year. Car accidents cost an American about $1000 a year. With this statistics, we could emphasize that being involved in an automobile accident is not impossible. So, what do you do when you are involved in one? The very first instinct of a person mixed in an automobile … (more) June 17, 2010

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: 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

• Q: What can a car owner do if the insurance of the other driver refuses to pay?

  Of course, a car owner can always use his or her own coverage whenever their cars are involved in an accident. However, if the accident was not their fault, then they should definitely make the driver at fault pay and take responsibility for what he or she has done. But being in accident is never a pretty picture. Often times, … (more) March 28, 2010

• Q: If an insurance holder does not feel that the claim is not enough, what can they do?

  There are a lot of times when drivers meet accidents. This can be very tough as cars are one of the most valued possessions in one’s life. At times like these, car insurance comes in very handy, and sometimes can even save someone’s life, through financial assistance and other coverage. Most of the time, insurance companies come through for the … (more) March 25, 2010

• Q: Will a car owner’s car insurance cover damages if a minor child caused the accident?

  Teenagers have wanted to drive cars since the day they can think. From the time they have seen their fathers and mothers drive them to different places, they have always been curious and excited to try it as well. That is why there has become a need for parents to teach or enroll their children to driving schools. However, it … (more) March 23, 2010

• Q: Is buying Car Insurance online reliable in getting claims?

  As today’s generation is relying more on more technology, there is a need for everything to keep up. Every business establishment, every school, every parent, every student, and even every consumer must learn how to keep up with the dynamic and constantly changing world. What used to be a face to face interaction between a buyer and a seller is … (more) March 21, 2010