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.