Oct 13, 2011

Auto insurance claim

Direct Car Insurers Compared To Traditional Ones Generally speaking, there are two different kinds of car insurance companies that you can insure your motor vehicle with. Firstly, we will discuss traditional car insurance companies. A traditional car insurer will deal with you through a broker. A broker is a sales person and client relationship manager that is trained to speak to the public and handle their insurance policy account.
We know the saying - accidents happen. You never know when they will occur, but it's good to be prepared and know what to do after one happens. What to Do After an Accident Let's assume you've been in an accident. You should take the following steps: First, make sure everyone is ok and call 911 for police and medical assistance. If there is an injury, make sure to get medical attention even if it isn't life-threatening. Also, a police report can help resolve your auto insurance claim, so make sure to get it no matter what. Next, if vehicles are movable and there is a shoulder on the road, try to move them there. Finally, gather license plate numbers, contact information (don't forget phone numbers), auto insurance information, and if possible, take photographs of damages at the scene of the accident. If road conditions or weather were a factor, then try to capture that with a photograph.
This person will usually find their own clients for the insurance company, and will assist them in taking out the policy and all the necessary details of it. An insurance broker earns commission off your insurance policy every month. Some people believe that this makes their car insurance policy more expensive. This is somewhat true. A lot of people also enjoy having their own insurance broker to work with. This is because the insurance broker will be someone that they can talk to directly about their problems and questions regarding their car insurance policy. In a way this creates a more personal atmosphere and also helps the insurance company to relate directly to the public in a specialized way. Direct insurers do not have insurance brokers. A direct insurance company uses the media to reach to the public. They usually have a large advertising budget, which can also cause them to have higher premiums. A direct insurance company will have plenty of radio, TV and print adverts to grab the attention of their potential clients. The client will then phone the designated call centre and sign up for the policy. Naturally the call centre operator will make commission off your signup, but this is just a once off thing rather than a monthly commission fee that insurance brokers make. Some people like direct insurers because they feel it saves them the hassle and obligatory commitment of dealing directly with an insurance broker. This type of car insurance company is also becoming more popular through increasing advertisements and public awareness. Car insurance companies believe they are saving money by cutting out the middle man and going directly to the public themselves. So which type of insurance company would be best for you? Well that is completely a personal choice. At the end of the day you simply need to compile your auto insurance quotes from as many companies as you see fit and go with the one that you feel will give you the best attention as a customer and is most tailored for your individual needs.

Get auto insurance now

How Bad Weather Can Affect Your Car Insurance Premium When you have a motor vehicle, you will undoubtedly find yourself driving under all sorts of weather conditions.
Unfortunately, a large number of accidents occur during wet or unfavorable weather conditions. This will directly affect your car insurance premium, because if you have an accident, you will have to pay a higher premium afterwards, and there could be even further reaching financial repercussions. This is why it is best to be aware of the simple things you can do to ensure you drive as safely as possible in assorted bad weather conditions. The first, and most common type of weather condition that most people have to drive in, is rain. If it rains extremely hard, it can greatly reduce visibility, causing accidents. You must always ensure that your wind screen wipers are working at their optimum best. This is to help with the visibility. A major problem with wet roads is that it can cause aquaplaning. This is when your tires lose contact with the road when they go over water that is too deep. This will cause you to lose complete control of your vehicle, and skid. This is another reason why you should never drive too fast in wet conditions. Coupled with the reduced visibility, and the risk of aquaplaning, you will also find that it takes longer for your car to brake when the roads are wet. Fog is another hazardous weather condition to drive in. When there is a dense fog around, you will hardly be able to see even five centimeters in front of your vehicle! Turning on the strongest headlamps could help, but often it is recommended, in these conditions, that you stop your car completely or wait for it to pass. Alternatively, you can drive at a very slow pace with your hazard lights on until the fog has lifted or you have driven away from it. Hailstorms are always disconcerting to drive in. Hail damage to a vehicle can cost thousands to repair. This is also why it is important to have your car insurance coverage reach into coverage for acts of Nature. Then your insurance company will pay out for any hail damage to your vehicle. If you are caught in a hailstorm, it is imperative that you find the nearest shelter and wait there until it passes. Even if you are in a hurry to get where you are going, it is just not worth it! Hail can also cause slippery roads, which make it easier to have a collision. Lastly, if you live in an area that is prone to snowfall at certain times of the year, or even sleet and black ice, then it is important that you fit snow tires onto your vehicle. These tires are specifically made to prevent your car from skidding and sliding on slippery roads. They will also be able to drive on snowy roads. Until recently, consumers had few choices when it came to long term care health insurance. Traditional policies, which provided a certain amount of selected coverage, were the norm. Policies could be designed to cover care expenses for a few months, or much longer, even providing benefits for the insured’s lifetime. For example, consumers could purchase coverage that would provide $100 a day in benefits for a period of three years. When calculated, the $100 daily benefit multiplied by 365 days in a year for 3 years would create a $109,500 “pool of money” available for care. This pool of money would pay for care in a nursing home, assisted living facility, adult day care, or in the personal residence of the policyholder once certain criteria had been met.
In conclusion, it is easy to see how an accident could easily occur in bad weather conditions. It is up to you as the driver to ensure that you have taken the necessary steps to prevent this from happening.

Allied insurance

Car Insurance Premiums Lowered By Hybrid Vehicles From workday traffic to weekend getaways, your car takes you where you need to go. Environmentalists around the world are up in arms over the state of the earth’s atmosphere and global warming. Unfortunately the emissions from our motor vehicles are one of the leading causes of the damage to the earth’s atmosphere. As each year goes by, the population on the earth rises, and more and more people are purchasing cars and becoming active on the roads. Cars emit one of the deadliest gases for the atmosphere, carbon monoxide, amongst others, and this is why the demand for hybrid vehicles have come into play. In addition to the harmful gases released from motor vehicles, cars also require fuel to run, the production of which also releases harmful gases into the atmosphere. When the pool of money was depleted, the traditional long term care policy would provide no more benefits. However, if the long term health insurance policy was never used, the owner would lose the investment of his or her premium payments. Thus, some seniors opted not to purchase these policies, deciding instead to rely on their families or current savings in the event that care became necessary. Hybrid motor vehicles are far more fuel efficient to run than other cars. They require a lot less fuel, and therefore are less harmful to the atmosphere. A lot of car insurance companies will offer a lower premium to people driving hybrid vehicles. This is because of a few factors, one of which is government intervention. Some governments offer lower tax breaks to insurance companies when they insure people who only drive hybrid vehicles. This is because the country will automatically be seen as greener if it is consuming less fuel. Fuel is becoming a more and more precious resource, and thus more expensive, which also lowers the running cost of the vehicle for the driver.
In addition to this, some auto insurance companies want to project a better image, and maintain a good reputation. If they offer discounts to people driving hybrid vehicles, they will be keeping in line with the newly popular green reputation. Driving a hybrid vehicle is greatly beneficial not only to the environment, but also to the drivers themselves.
They will save a great amount of money on fuel, and will be contributing to a better earth, which makes everyone happier at the end of the day. Obtaining a lower insurance premium as a result is only an added bonus!

Driving insurance

Car Insurance

Whenever you get behind the wheel of a car, it is possible that you may cause damage to other people’s property, or injure – or even kill – yourself, other drivers, passengers or pedestrians.

Mandatory Insurance Coverage


Most people don’t have the money to pay for the losses (property damage, injury, death) they might cause while driving, so governments require drivers to carry a certain amount of insurance to cover any losses they might cause others to suffer (Liability).
If you've found the cost of your motor insurance is forcing you off the road, talk to Only Young Drivers. Providing careful young drivers with affordable car insurance is what we're all about. So if you're a genuinely careful and responsible young driver, with a track record to prove it Only Young Drivers will help reduce the cost of your car insurance.

Auto ins

Easily and quickly save on your car insurance.



Auto insurance is mandatory in New Jersey, but the type and cost of that coverage can vary significantly. Every day, consumers are finding that there are options available to make it easier to comply with the law. The Automobile Insurance Cost Reduction Act mandated that a Basic Policy be available to all drivers.

It is important to realize that you are breaking the law if you drive uninsured. The penalties for driving uninsured are getting more severe — in addition to risking economic loss by not having insurance protection, you risk fines, suspension of driver's license or registration and even time in jail. In the future, your car could be impounded if you are caught behind the wheel without coverage.

Do you find the idea of trying to find the best auto insurance rates exhausting and overwhelming?

Auto owners insurance claims

A car proprietor who desires to protect himself in scenario he will get into an incident with a motorist who is uninsured can also get added coverage for any physical injuries he could undergo as a end result of the accident. If he has an impeccable driving report then he can get reductions and the best charges in city.
A auto proprietor ought to also take into account the coverage he will be getting for the vehicle insurance policies top quality he will be paying. Who requirements low-cost car insurance policies when the owner could not easily claim his insurance in circumstance of an accident?
Even so, costs alone must not be the foundation of any auto insurance policy business decision. The expense of the premium is only one particular facet that should be regarded in choosing a automobile insurance policy agency.

Does auto insurance cover the car or the driver

An insurer's premium increases are a direct reflection of the countrywide or statewide pool of losses that the insurer experiences. The losses of the few within the insurer's pool of policyholders are paid for by all policyholders within the pool. This is the basic premise upon which the concept of insurance is based and without which no insurance would be available. This does not mean that your own favorable loss experience cannot be recognized. Various insurers give numerous discounts to policyholders which recognize their excellent driving records. Other reasons for the increase in the cost of auto insurance are attributable to the costs to settle losses such as the costs to repair vehicles and the medical costs for injured persons which continue to rise. The increase in lawsuits is also a major factor in insurer rate increases.
Insurance Coverage
In my experience as an auto insurance adjuster, the car carries the insurance. It would tie up the courts if settlements were partially on the vehicle and partially on insurance carried by the driver. If your car is involved in an accident while being driven a person who does not have your permission (as the Named Policy Holder) it is possible that your insurance company, after an in-depth investigation, including sworn statements by you, may try to subrogate against the unauthorized driver's insurance.
Here are more opinions and answers from other FAQ Farmers:
• I think this question could vary state to state. However, in WA, the insurance on the vehicle is primary, and if the drivers has insurance on another vehicle, or a broad form policy, theirs is secondary. Hope that helps, just my 2�.
• The vehicle's insurance is primary. If liability insurance on the vehicle is inadequate your own policy will come in as secondary and protect "YOU".
• The driver's insurance applies. Think of this: how can you lower your insurance premium: you, the driver are experienced, good driver (no accident, etc.) As soon as I add my daughter to my policy, it changes to inexperienced driver and not good driver category! SAME car....!
• The insurance follows the Named Insureds Liabilities. That is the general rule. However, in some states, there is case law that will hold the owner's and driver's insurers coprimary for liability coverage IN SITUATION WHERE THE DRIVER IS USING THE OWNER'S CAR AS A TEMPORARY SUBSTITUTE VEHICLE. Generally though, the driver's policy is excess or secondary.
There is an excess clause in nearly every auto policy. One particular Auto Insurance carrier is famous for trying to deny coverage based on this excess clause. But, as far as I know EVERY company's policy language includes this excess clause.
In MOST cases, where only PD or MD (property damage or material damage) are involved, companies will agree to pro rata shares of coverage.
The above-mentioned carrier tends to dig their heels in the sand, however, and prolongs the handling of such claims, which nearly ALWAYS translates to a costlier claim process.