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Monthly Archives: December 2017

Info of Deciding on Car Insurance Plan

Looking further in to your individual car insurance needs you may need more or less than this and each small decision you make can raise or lower you premiums or protect you more or less from long-term costs. Here is a breakdown of basic types of car insurance to help you decide on which type of car insurance is best tailored to your needs:

1. Uninsured Motorist – This is a must. In most cases it is required that you to at least carry this type of insurance in case of the other driver driving illegally without car insurance. This protects you in case you cannot pay for damages out of pocket.

2. Bodily Injury Liability – This is also a must. This type of insurance is required protect against injury to those who you may have injured in an accident.

3. Property Damage Liability – This type of auto insurance protects the property of third-party individuals whose property may have been damaged by an accident.

4. Physical Damage – This type of insurance protects you against physical damage your your vehicle. There are two types, Collision and Comprehensive. Collision covers your vehicle in case of an accident. Comprehensive covers you when a collision is not involved, ie. a broken windshield or a tree falling on your vehicle during a storm.

5. Medical – This type of insurance covers medical payments to you and anyone else involved in an accident in your own vehicle.

Info of Compare Cheap Auto Insurance

You can go through the comprehensive Web resources of these insurers to learn in detail what the various insurers have to offer and what their comparative cheap auto insurance rates and quotes are. Most of these online resources are the easiest way to compare different insurers. All you need to do is to fill in a form and behold, an entire comparison chart will be listed in front of you in a matter of seconds. You can then go through each of these insurers’ policies, before deciding on the one best suited for you.

You can also get in touch with your friends, family members or colleagues to find out what kind of auto insurance they have. They are in a great position to provide you with honest information regarding auto insurance. You can also go through the policies of different insurers in detail to find out more. Every aspect of the policy needs to be thoroughly looked into, including the premium, policy period, and payment terms, to mention only a few important aspects.

One person who can give you extensive information on cheap auto insurance is an insurance agent. Since many insurance agents represent more than one company, they have first-hand knowledge of the latest offering from insurers. They are best placed to advise you on the right kind of policy, based on your age, gender, car, driving record, and your ability to pay a particular premium.

Accident Estimate

Finally, the day came for my appointment with the Damage Estimator. I went to the Fix It Shop and got an estimate for my insurance company. This was fine. The shop looked good, and the people were fantastic. When I walked in the door, I noticed a sign on the wall for the insurance company who insured the little lady that hit me. My thoughts were. “A HA! I can kill 2 birds with one stone, here.

This is where I got an interesting lesson in getting repair estimates. OH YES! Look at my next step. Always be polite and talk with an open mind. You never know what you might get a good laugh.

Then, I called her insurance company and told them where I was, and ask if they wanted me to get an estimate for them. The girls said, “You can’t do that”. I said, “Why, I’m looking right at one of your sign, on their wall”. She said, “It doesn’t matter, you have to take it to one of our Drive Up Estimators”. So, I got an appointment and took the car to one of Their Drive Up Estimators”. When I got there, they said, “Why didn’t you have the Repair Shop do the estimate?” DUH! You know I was wondering the same thing. Anyhow, everybody was nice and it worked out. I take the car in next Tuesday and pick up a rental car.

Protect Your Car

Car insurance is a type of insurance which is aimed to cover the insured party against losses related with driving or owning of cars.

If you are classified as a high-risk driver, finding car insurance can be quite a hassle. Some insurance companies will deny insurance to high-risk drivers, while others just choose to charge extremely high premiums. No matter which insurance company you choose, you will most likely end up with a high rate.

There are numerous insurance companies offering different car insurance policies and cover schemes. One should be only careful choosing the Car Insurance Company to deal with. The Internet today is best way to get the latest car insurance secrets, tips, or even articles on car insurance online quotes.

In the case of thefts and robberies one should inform the police promptly. Do not touch anything until the police arrive, do not as well clean up the place, do not leave fingerprints, do not walk around the place. As soon as possible inform your car insurance agency. Remember the fact that almost 90 % of stolen cars are stolen from outside garages or guarded parking lots.

In the case of car accidents, call the police and ask for a protocol copy if such is possible.

Record data (names, number of insurance policy, passport number, car licence plate number) of people involved in this accident.

Inform the car insurance agency promptly.