A Guide To Life Insurance Brokers Across

A Guide To Life Insurance Brokers Across The UK (UK Life Insurance Brokers Guide)

BIBA (British Insurance Brokers Association) is the UK’s leading independent Insurance body and it represents the insurance broker, intermediaries and the consumer. BIBA brokers advise you on choosing an insurance policy that matches your particular needs.

Insurance brokers such as Moneywise also help you get the best life insurance quotes. You simply need to fill in a form on their website where you supply details such as how much coverage you require and whether it is only for you or your spouse as well. In 2005, the winners were : Scottish Life for Pensions Friends Provident for Pensions GE Life for Pensions Standard Life Healthcare for Protection Friends Provident for Protection

Every year, a company called Incisive Media reviews all the financial product providers in the UK. It then bestows the Gold Standard Award on the companies that show the greatest ‘capability, financial strength, trust and fair value’. The Gold The Gold Standard Award Website explains that “When a company has won a Gold Standard Award, you can be rest-assured that it offers a high level of service, is financially sound, offers fair value for its products, and commands trust. In a nutshell, the Gold Standard Awards are service with a big plus.” In 2006, the following life insurance companies won the Gold Standards Award :

Friends Provident GE Life Scottish Widows Standard Life Healthcare In 2004, the winners were : GE Life for Pensions Scottish Life for Pensions Friends Provident for Pensions Scottish Provident for Protection Standard Life Healthcare for Protection The following companies were highly recommended : James Hay Administration for Pensions Abbey National Wrap Managers for Pensions In 2003, the winners were: Scottish Life for Pensions Friends Provident for Pensions GE Life for Pensions Standard Life Healthcare for Protection Friends Provident for Protection

Some other life insurance companies are : AA Asda Direct Line Egg Halifax Norwich Union Direct Prudential Sainsbury’s Bank Standard Life Tesco Nationw1ide Life Insurance Legal And General Life Insurance More Than Life Insurance

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Don't pay. Get paid! Car repairs? Instead of paying for them out of your own pocket, the companies we list will cover them.

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Home and car insurance companies

You know about the standard no-claims discount.
Insure your partner or spouse on your car and reduce your premium by up to 12.5%
Declare that your spouse or partner has a car insured in his or her own name, or has the use of a company car full-time, and you can qualify for a discount of around 20%.
Even if you don't have the full five years' no-claims bonus in your own name, your previous experience as a named driver on another policy will stand to you. It could save you 10% for each additional qualifying year up to the maximum of five years.

Home insurance is necessary to protect not just your belongings, but also your physical home. While no amount of money can replace pictures of your children, the coffee table you bought when you first got married, or the energy that you put into making your house a home, home insurance exists so that when you start over from a theft or storm or fire, that you don't have to go into your own pocket to begin anew.
"Contents" is basically anything that would fall out of your home if you turned it upside down and shook it. If you own a lot of expensive things, it's best to a) get higher contents insurance and b) video tape your belongings to prove to adjusters what you own in case you ever need a claim for your home insurance.

Insurance auto claims

Everything You Need To Know About Auto Insurance
There are many different auto insurance companies that will try and grasp you as a client. It can be tricky trying to figure out who the best insurer will be to go with! The easiest way to source a good car insurance company is to shop around online and try and attain as many quotes as possible.

If you have a lot of insurance quotes you can make a wiser decision based on comparisons. Ask your potential future insurance broker firms as many questions as you can think of, so that you are certain about what you are getting into. Firstly, you need to be realistic that your car insurance IS going to be a monthly expense that you are going to have to pay. The only thing you can do is to ensure that you are keeping the monthly costs down. You can install a good security system on your motor vehicle so that the premiums will be lower, as you will have lowered your theft risk.

You can also ensure that you drive cautiously, to prevent yourself from being in an accident. If you are in an accident, you will have to pay a higher premium after that! Car insurance is quite simple to take out, and if you approach the company directly they can write you up a policy then and there!

You will then need to take your car to be assessed by the insurance assessor and you will have a monthly payment to make for your premium to be secured and your cover to be thorough.
There are a wide range of cover options you can take out for your auto insurance premium. Firstly, you can take out comprehensive insurance which is where your car is covered in the event of an accident, repairs to your vehicle and any other vehicles involved in the accident if you caused it will be covered. The value of your car will be paid back if your car is written off, and your car will also be covered for things like theft and attempted theft and so forth. You can get a further extent of coverage for things like driving into the pavement, hail and fire or flood damage and much more! It all depends on your insurance company and how much you are able to pay. The cheapest type of premium possible is third party coverage which will only pay out for the repairs to any other vehicle involved in an accident. These are but a few brief outlines on your auto insurance policy premium.

1. Evaluate whether or not you should file an insurance claim: Did you know that just when you call your insurance company with a question about possibly filing a claim it is often recorded on your insurance record? It is important to keep your insurance record clean and one way is deciding whether or not you should file a claim. It doesn’t matter if the accident is your fault or not, you should ask yourself first if you can pay for the damage. Simply put, if you can pay for it yourself without financial hardship, don’t file the claim.

2. Fill out your What to do After an Auto Accident Worksheet: This worksheet, which when you click on the title is provided for print-out, will help you keep track of the information you will need to file your auto insurance claim. It is important to get every detail of the accident documented and to try to find witnesses that would be willing to talk to your insurance company to back-up your story.

3. File the claim ASAP: You will want to file the claim as soon as possible with your insurance company. Even if it is not your fault, your insurance company will handle the claim process as your advocate.

4. Prepare for a possible call from the other insurance company: If there is a dispute between the two parties in the accident, you may get a call from the other driver’s insurance company asking for your version of what happened at the accident scene. If this happens make sure you document everything you say and the name of the customer service agent you talked too.

5. Finally, getting your car fixed: If you had body damage to your vehicle this is when you will finally get it fixed. After your claim is approved, you will likely get a call from your insurance company about sending an insurance adjuster out to assess the damage or asking you to send your car to a pre-approved shop to get it fixed.

Doing proper research and asking questions will leave you equipped to fully understand the cover you are paying for each month!

All drivers insurance

How to avoid damage

■ Take extra care on secondary roads and when the road is wet, which might conceal water-filled potholes. Debris such as grit and stones on the road surface may indicate the presence of a pothole.

■ If you see a pothole, make a note of where it is, its approximate size and depth, take a picture with your mobile phone if safe to do so. Then report it to the relevant highway authority (usually county or local council). Drivers cannot claim for damage to their cars caused by a pothole unless the authority has been made aware of it.

■ If you hit a pothole stop as soon as possible in a safe place for a visual check of your car, especially tyres and wheels, and get them checked by a professional if you are concerned – keep the receipt to support any insurance claim.
Insurance

The cost of car insurance is rocketing. According to price comparison site Confused.com, the cost of premiums rose by 38.2% in 2010, taking the average premium to £695 – meaning drivers are now paying nearly £200 more than they were at the beginning of 2010. The biggest rises came in the 51-55 age bracket, with parents adding children to their policies as named drivers accounting for the bulk of that increase – no surprise as desperate parents seek to reduce the insurance costs for their cash-poor offspring.

Many parents have resorted to "fronting" to escape the spiralling costs of insurance for younger drivers. Fronting is, according to the Association of British Insurers, the number one temptation for those trying to get cheaper car insurance. Parents insure a vehicle in their name as the main driver, with their son or daughter listed as an occasional driver when in fact they are the main user.

More than half of motorists questioned by the ABI in January said they would not rule out doing this, despite the fact it is fraud and could invalidate their insurance and lead to a criminal conviction.

The European courts are expected to rule shortly on whether gender can be used for underwriting insurance policies, including car cover. If they ban the use of gender, it is expected to push up the cost of insurance for women drivers.

Answer
insurance on the vehicle The kind of Insurance you are speaking of is a Named non-owners policy. If you are driving someones car that you borrow it needs to have insurance too. It is illegal to drive a car without insurance (for that car) The driver and owner could get a ticket for the vehicle not being insured.

Auto insurance claims

"Sixty-three cents of every claim dollar goes to [pay for] physical damage on your car," says John Eager, senior director of claims services for the National Association of Independent Insurers, based in Des Plaines, Ill. Although a personal injury claim may require a different level of proof and persistence than a vehicle damage claim and insurance regulations vary from state to state, the basic steps to take information needed to file a claim are fairly similar. For the most part, the claims process for vehicle damage is simple: You make a claim, the adjuster comes out to estimate the cost to repair the damage, the insurance company sends you a check for that amount and you use it to pay for the repairs.

Step 1 (at the accident scene): Call 911 if someone has a life-threatening injury. If there's no emergency, don't tie up 911, but get any needed medical attention and call the police directly. Remember, you need that police report. Step 2: Exchange license plate numbers, contact information and auto insurance information with the other parties involved. Most states require drivers to have an insurance identification card in the vehicle and it will provide most of the pertinent information, Eager says. Fill in any gaps, though. Make sure to get phone numbers. Step 3: Look for witnesses who will be willing to tell what they saw and get their contact information as well. If you are unable to gather information at the scene, the police report can be a back-up source of information on the other parties involved and witnesses. If the accident happens in a parking lot, an officer may plead no jurisdiction. Insist on an incident report, Howard says. Failing that, in a mall or other facility that has a security force, you may ask security to file a report. In a lot without any security, you may want to ask a shop owner. "You want to get something in writing," Howard says, because "insurance companies are obliged to believe the story given to them by their own policyholder" unless there's proof to the contrary. Step 4: Contact your insurance company as soon as possible. With a cell phone, you may call your company right from the scene. Many have 24-hour claim-filing service by phone. Your insurance ID card should provide the number. Whoever takes your claim will walk you through the process. Although the other party may be at fault, both Eager and Howard agree that generally you should file the claim with your own insurance carrier. Each carrier is obliged to protect the interests of its own insured, making your claim a secondary concern for the other party's carrier. Chances are you'll get the service you need more readily from your own carrier. "You have rights with your own carrier that you don't have with the other party's insurance," Howard says. This includes the right to a process for resolving disputes over what expenses should be covered by the insurance. With no-fault insurance, you have no choice initially but to file with your own carrier. No-fault insurance has thresholds below which your own carrier pays all expenses, except the deductible. Above those thresholds, you may seek restitution from the other party. These thresholds vary by state. Assuming the other party is at fault and you do not have collision coverage on your vehicle, you will have no choice but to file a claim against the other party's carrier. On the other hand, if the other party does not have insurance, you will have to negotiate with the other party directly or go to court. Step 5 (if the other party is at fault): You should advise the other party's insurance company that you're pursuing a claim through your carrier and will seek reimbursement for costs your carrier will not pay, including your collision insurance deductible, time off work, auto rental differential and the amount of your diminished resale value, Howard says. If you have the patience to take an unconventional route that will be challenged by your carrier, Howard believes that if the other party is at fault, you should file claims with both carriers. "You cannot collect twice for the same thing," he says. However under "multiple source recovery," he adds, "you can collect from two sources and put the checks in a kitty and decide how much was paid for what." This means meticulously itemizing every expense involved, and which carrier's check paid for which expense. At the end of the process, you would submit the itemized list to your carrier and, if there's anything left in the kitty, you would write a check for the overage to your own carrier. Step 6 (this may happen earlier or later in the process, depending on the other insurance carrier): You'll get a phone call from the other company asking for your version of events that led to the accident. You need to prepare for this, Eager says. "Especially with an injury claim, you'd want to check with your insurance carrier to see what statements you need to make to the other insurance carrier." It's a good idea to write down exactly what you will tell the other carrier beforehand so that in the worst-case scenario -- a lawsuit -- your statement will remain consistent. Don't trust your memory. The other carrier will be taping your statement and will have your exact words at their disposal. Step 7: The adjuster comes out to take a look at the damage to your vehicle and comes up with an estimate of what it will take to restore it (or replace it, if it's totaled). Then, the insurance company will cut a check in the amount of the repair, minus any collision deductible amount. If an insurance company has a direct repair program, the adjuster might not even have to come out, Eager says. Under such a program, your insurance carrier will refer you to a shop with which they have an agreement. So, depending on the insurance company, the damage claim estimate may be done by the shop itself, the shop won't have to wait to start repairs and the check can be transmitted right to the shop, Eager says. The shop may also make arrangements for a rental vehicle if you need one. If the adjuster says the car is totaled (in other words, beyond repair), the adjuster will estimate your compensation on the actual cash value (or depreciated value) of the vehicle before the accident, essentially enabling you to buy a similar used car. However, if you've bought coverage for replacement cost value, the estimate will cover the cost of buying a similar new vehicle. Step 8 (When disputes arise): If you think your carrier's damage settlement offer is too low, you may ask your carrier for a form of arbitration to resolve the dispute. This process may take two to six weeks, but generally speaking, you will not have to wait for payment. In most cases, the insurance company will pay you the amount it offered immediately, and you'll get the rest when and if the dispute is resolved in your favor. On the other hand, if you disagree with an offer from the other party's carrier, you may or may not be offered such dispute resolution. If not and the amount in dispute is significant, it may be worthwhile to take legal action. Easy Ways To Save Money On Your Car Insurance Policy With the rising cost of living, it is easy to become overwhelmed with your bills every month! In this article we will discuss some simple methods to lower your auto insurance policy. Firstly, you can request a higher excess. The excess is the amount of money you have to pay back to your insurance company before they will pay out the amount of value on your car. The excess is usually a percentage of the payout amount that the company needs to pay to repair the vehicle, and the higher you make that percentage to be, the lower your monthly premium. This can leave you in a catch 22 financial situation when the time comes to pay that excess, but if you take into account all the money you saved on premiums, then it sort of balances it out.

The next thing you need to do is to ensure that you have bought the cheapest motor vehicle possible. While this may seem like an obvious thing to say, its not, because it is surprising the amount of people who are driving motor cars that they cannot actually afford. The truth is, the cheaper your motor vehicle is, the lower your auto insurance premium will be. Remember that the repairs to a lower cost vehicle will be more affordable. In addition to that, a less flashy car will attract less attention from thieves! You can also combine your insurance policies under one company in order to lower your premium. A lot of insurance companies will offer you a discounted premium if you insure your household contents, car and life under them. Look into deals offered and whether or not you will be saving money by combining your policies. The last easy thing you can do to save on your insurance policy is to ask questions. This can seem so simple, but many people fail to do it. Asking the right questions and enquiring about discounts can go a long way in securing you a lower policy. A lot of people have grey areas in their insurance policies and are not aware of why this is! Clearing up confusion can also help you ensure you are not paying for cover that you do not need, and will also ensure that you understand exactly why you are paying what you are paying.

Different car insurance companies

Using The New Year To Reassess Your Car Insurance When the New Year rolls around, many people find themselves making resolutions and stating things that they would like to achieve or do different in the New Year. More often than not, many people’s New Years resolutions will be regarding saving money and improving their financial situation. This is why it is a good idea to review your car insurance policy as the New Year rolls around. Firstly, you may find that you are paying more towards your car insurance than is necessary simply because they have the incorrect details registered. Factors such as your address and place of work are taken into consideration by the auto insurance company, simply because of the risks entailed in living or working in a specific area. The car insurance companies know the areas that are more notorious for car accidents or theft. At the start of the New Year, take the time to ensure your current auto insurance company has your correct details down.

An insurance agent can help you build a policy that fits your life, meets your needs, and even keeps up with you as your life changes. It's not just the policy, it's the people people who are knowledgeable about their business, there to treat you right, and always easy to get a hold of; especially when you need them most. Furthermore, now could be a good time to change your car insurance company completely. This is because the New Year is usually a time when a lot of motor vehicle insurance companies have reviewed their packages and come up with new competing strategies. There are no shortages of car insurance companies in any city, and they are aware of this. They will usually feel the bite of competition, and can sometimes offer great discounts which can go unnoticed. Taking the time at the start of the year to compile as many new insurance quotes as possible can go a long way in helping you catch one of these discounts. It does not mean that you HAVE to change your insurance company, you can simply compile some quotes and review them, and you could be pleasantly surprised at the amount of money you can save. Only once you have done this and considered it carefully do you need to even think about changing your current company. Another important factor to take into consideration is that the value of your car depreciates each year. This is why you should try and compile as many car insurance quotes as possible and even approach your current company.

Ask them if you will be liable for a lower premium as the value of your car has gone down. This should be a possibility as your vehicle will usually be rated on its value at the time of insuring.

Insurance now

Keep Your Car Insurance Premium Low Every car owner needs to pay towards their car insurance each month. Even if you have gone for a long period of time without claiming, and have begun to believe that you are paying your premium each month for nothing, you are wrong. Your car insurance is the best protection you have for your expensive asset, and you will thank your lucky stars should the day come when you ever need it. No one is invincible, and sometimes accidents are caused by other drivers, not even you. These things are completely out of your control, and it is better to be prepared in the event of anything happening. The first thing you need to do is to evaluate the car you are driving. The type of vehicle you drive is the number one contributing factor to how much your premium is. If you feel you are paying too much, perhaps now is the time to look at trading your vehicle in. A smaller, more fuel efficient car can be a lot cheaper to insure, as well as vehicles that are made by popular companies. This is because parts will be cheaper to source and also the car will be easier to repair. Cars that are notorious for being in accidents or for being stolen will be more expensive to insure too. Find out which cars are on the blacklist by insurance companies, so that you have a good idea where to steer clear from.

The next thing you need to do is to compile as many comparative insurance quotes each year as you can. This needn’t be a tiring experience, as you are now able to go online and source multiple vehicle insurance quotes at once by simply filling in one form. These kinds of websites are all over the internet. You may find that you spot an excellent discount deal from your current insurance company’s competitors. Only by keeping your feelers out there and doing some comparisons will you know if you should stay with your current company, or move to one that has a better offer for you. Keep your vehicle’s alarm and security system up to date at all times. Having a good alarm and tracking system on your vehicle is one of the keys aspects to obtaining and maintaining a low premium. If your car is less likely to be stolen, it is less of a security risk for the insurance company insuring it. By fitting in a new, state of the art security system, you could be awarding yourself a lower monthly premium at a once off cost. Following these simple tips can go a long way in saving you money on your vehicle insurance premium each month. Conference on Insurance Distribution Channels, a two day event, is being held with focus on the main issues and challenges in managing different distribution channels to create a successful synergy that would lead to profit maximization. The Conference will also provide the right platform for networking and syndication for appropriate channel partners.

The key areas this conference aims to cover would include are: 1. Alternative channels of distribution 2. Building an integrated multi-channel distribution model 3. Convergence of banking and insurance 4. Digital transformation and emergence of e-commerce and e-banking and its effect on insurance distribution 5. Difference between commercial banking and insurance culture 6. Case studies of life and non life insurance distribution models 7. Achieving the right concept of cooperation and integration between distribution channels 8. Micro-insurance and rural market 9. Distribution channel models for the future

Car ins

Motor Insurance
You work hard to buy an automobile to enjoy your trips or may be to support your business needs. Any uncertainty can lead to damage resulting in huge losses. And you are aware the costs to get you vehicle repaired in the event of a damage or even replacing just in case it is stolen, can be huge. Hence it makes sense to buy a comprehensive cover to give you the all round protection.

The test of your car insurance comes when you need to make a claim, so we aim to offer you a quick, straightforward and stress-free service.

All our claims advisers are based in the UK and are available 24 hours a day, 365 days a year. You won’t normally be asked to fill in any forms or obtain any written estimates, and our Comprehensive cover gives you all this as standard:
Guaranteed courtesy car if your car is being fixed by one of our approved repairers in the UK
Our approved repairers guarantee their work for five years, and will clean your car before returning it to you
Up to £500 emergency accommodation / travelling expenses cover per claim.
How to make a claim
If you need to make a claim, please call us as soon as you can, so that we can start dealing with your claim for you straightaway. If another party was involved in the accident/incident, regardless of fault, there’s no need for you to deal with them (or their insurer) – give them our details and let us deal with everything for you. The number to call to make a claim is shown in your policy documents.

Find life insurance company

Conduct regular driving assessments. Every six months or so, ask the senior to take you for a drive so you can see his or her driving firsthand and note any changes. Schedule regular medical check-ups and eye exams. A complete exam can reveal physical conditions that affect driving. Qualified medical personnel can check an older driver's decision-making skills, reaction time, muscle strength and joint flexibility. Encourage regular exercise. A doctor can suggest a tailored workout routine to maintain overall health and well-being. Think about and discuss the gradual adjustments. Sometimes a few simple steps -- limiting driving to certain times of day, avoiding night driving or adding an extra-wide rearview mirror -- can help prolong a senior's time behind the wheel. Identify alternative modes of transportation. This should occur well before a senior's driving skills diminish.

Auto Insurance Explanation There are many different ways in which a car insurance company will try and gain you as a client. The wisest thing to do is to shop around and gather as many quotes as possible so that you are making an informed decision. Cars are an imperative mode of transport, and more and more people are becoming car owners. The loss of a motor vehicle can be a huge inconvenience and will have a devastating effect on the person's quality of life. Insuring your motor vehicle will ensure that you are protected in the event of this happening. If you have car insurance, you need to understand it clearly. You first of all need to know that property coverage is the cover on your policy that pays out for any damages to your motor vehicle if you are involved in an accident. The insurance company will pay you out the value of the motor vehicle that you have written off, and then it will be up to you to pay the vehicle off to the bank if you still owe repayments. If you have not written the car off, but only damaged it, then the insurance company will cover the cost of the repairs to the vehicle. Depending on the extent of your cover, you could even be liable for a hired car to use whilst your old vehicle is being repaired. Liability cover is the cover that will pay for the cost of repairs to the other vehicles involved if it is determined that you were at fault for the accident. This can come in very handy if you are involved in a motor accident with a very expensive vehicle.

The Automobile Association of America is warning that, as baby boomers grow older, a wave of drivers with diminishing skills likely will create road dangers across the country. Quoting figures from the U.S. Census Bureau, the AAA says this silver tsunami of motorists age 65 or older will increase by 75% over the next two decades. There are many assorted extras you can add onto your motor insurance coverage such as fire and Mother Nature damage, insurance against theft of your motor vehicle or its contents, and even damage caused by attempted theft! You need to consider the cover you will need if your car's tires are damaged when you hit the pavement or any other traffic calming measure. Naturally, the further the extent of your cover, the more expensive your premium will be. In order to obtain the cheapest premium possible for your needs, ensure that you have shopped around and compiled as many quotes as possible to make a good, informed decision.

More than car insurance

Will Your Vehicle Insurance Cover For Pothole Damage?

Once you start driving, you should have taken all the driving lessons you would need to be the best driver possible. There are plenty of hazards on the roads that can cause a collision, or damage to your vehicle. You can hit into someone else, a traffic calming measure, or even a pedestrian or the pavement. It is the unfortunate truth that anything is possible on the roads, and you can have a big problem even when you are driving on the road where you are supposed to be. In most cases, potholes do not have warning signs ahead of them.

Potholes are created when a crack in the cement of the road enlarge over time. A small crack can grow bigger and bigger due to the elements, such as hot sun and heavy rains, and especially large vehicles passing over the area frequently. Busy roads are more notorious for having potholes, and fatigued cement can easily be worn away in huge chunks due to these various factors.

Potholes are capable of causing terrible damage to your motor vehicle, which can land up costing you a lot of money! Hitting one of these landmines at high speed can completely destroy your tires, causing a puncture, and damage to your tire's rims. Even if you do not have a flattened tire after the impact, you could still have a slow puncture, which can cause your tire to burst later on. Furthermore, you may need to have your wheel alignment and suspension corrected after your incident.

Naturally, since it is damage to your vehicle, you will hope that your insurance company will pay out for the damage. Unfortunately, most vehicle insurance companies will not pay out for pothole damage, as it will not be covered in the policy. This means that you are going to be liable for the repairs for the damage. Alternatively, if you live in an area that you know has many potholes in the road, you can request to have your policy include pothole cover. Do not underestimate the damage that these hazards can cause!

Average costs for nursing home facilities can range anywhere from $30,000-$70,000 a year. Don't count on Medicare or Medicare Supplemental Insurance to pick up the bill. If you can qualify, Medicaid may pay up to half of the cost. Choosing long term care insurance can help you pay for costs of a nursing facility or home care if the need arises such as a long term disability or other long term illness.

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.