Auto Insurance Quote

Auto Insurance Quotes

By: Seth Worby

Get Multiple Auto Insurance Quotes in Just Minutes!

If you find shopping for auto insurance quotes a bit overwhelming, you’re not alone. Fortunately, InsuranceQuotes.com makes it easy to get auto insurance quotes anytime, from the comfort of your own home. With the largest network of national and local insurance agents from the country’s top insurance companies, we offer plenty of resources to guide you in your search for the right policy— along with one simple, online application that allows you to receive and compare auto insurance quotes from multiple companies. And when you receive your free auto insurance quotes from our partners, we can help you choose the best policy for you.

Whether you’re shopping for insurance for a new car or looking for a better price on your current auto insurance, let InsuranceQuotes.com help you find the coverage you need at just the right price. Get your free auto insurance quotes today—and see just how much you could save! Why Do You Need Auto Insurance?

If you own a vehicle, auto insurance is an absolute necessity. Why? On average, an auto accident occurs every five seconds in the United States. With each accident comes the risk of serious injury to drivers, passengers and pedestrians, as well as damage to personal and public property. To better understand why auto insurance is important to you, consider the following:

* An automobile is one of the largest purchases many people will make in a lifetime. Auto insurance protects your investment by providing money for repairs or replacement in the event of an accident. * If you’re at fault in an accident, auto insurance protects you against financial loss due to property damage, medical expenses and potential lawsuits. * Most states require drivers to carry liability insurance. In fact, the consequences of driving without liability insurance range from impounded vehicles to heavy fines or even jail time. * Despite the stiff penalties of driving without insurance, approximately 14% of drivers in America are uninsured. Uninsured/underinsured motorist coverage protects you if you’re injured or your property is damaged by a driver who has no insurance or who doesn’t have enough coverage to pay for your loss.

How to Shop Smart for Auto Insurance Quotes

When shopping for a vehicle, most consumers research everything from the manufacturer’s safety record to the location of the car’s cup holders—then compare prices to get the best value for their money. Likewise, because the cost of identical coverage can vary among insurers by hundreds of dollars per year, it’s important to understand the factors that affect the price of auto insurance quotes.

First, consider the type and amount of auto insurance you need. Buying coverage you don’t need is a waste of money, while carrying too little coverage may result in financial disaster if you’re involved in an accident. Depending on your circumstances, you may choose any or all of the following types of auto insurance:

* Liability insurance—the minimum coverage required by most states—protects you if you’re at fault in an accident resulting in injury to another and/or damage to another’s property. * Collision insurance pays for damage to your own car when you’re at fault in an accident. * Uninsured/Underinsured Motorist coverage protects you when you’re involved in an accident that is not your fault and the driver at fault is uninsured or doesn’t carry enough insurance to compensate you for your loss. * Comprehensive coverage pays for damage to your car that is unrelated to a collision, such as theft, storm damage, fire or vandalism.

Secondly, keep in mind that many insurers offer premium discounts for non-smokers, low-mileage vehicles, safety or antitheft devices, or mature-driver classes. These special benefits can amount to serious savings every year. When researching insurance companies, remember to ask what types of discounts they provide.

Finally, when obtaining auto insurance quotes, be sure to choose a financially stable insurance company with a record of good customer service and prompt claims processing.

As Director of Search Engine Marketing, Seth Worby is responsible for guiding the Search Engine Marketing efforts for our clients. With years of experience in the Search Engine Marketing industry, Seth’s vision allows us to remain ahead of our competition in delivering the highest level of success for our clients’ Search Engine Marketing initiatives.

Article Source: http://www.ArticleBiz.com

The Beginnings of Auto Insurance

By: Joe Bella

In the United States and in the United Kingdom, auto insurance is needed before you can get on the road, and it is easy to see why. Even a minor accident can rack up thousands of dollars in car repair costs and injury, and auto insurance ensures that these costs will be taken care of. Insurance is often seen as a calculated risk, but in many places at least auto insurance is required while many people tend to put down more money for full coverage.

At its most basic form, something like auto insurance has existed since people started living and working cooperatively. When one person invests time and effort into a group, they are ensuring that the group will be there for them in the future. In this way, it can be seen that early human interaction had an implied responsibility. In form at least, it's not unlike paying an insurance premium to ensure that if and when something bad happens, there will be something to fall back on.

Even 3000 to 5000 years ago, Babylonian merchants had to pay an extra fee if they were loaning money from a third party. This fee essentially ensured that the if the shipment was stolen, the loan would be canceled. While this fee might have been pricey, it was still better than paying the full cost of the loan should the shipment meet with doom. As one might expect, there were investigations of insurance fraud around at this time!

In the United States, Benjamin Franklin created the first fire insurance available, going so far as to refuse to insure places that he felt were too much of a fire risk. As you can see, then as now, there are some things that an insurance company might refuse to cover, or refuse to cover completely. As auto insurance might not pay off if some conditions are not met, Benjamin Franklin also stated that if buildings were not kept up and proper precautions were not taken, then the policy holder lost the right to the insurance.

Automobile insurance essentially appeared with the first cars, especially due to the fact that they were, at first, mostly the province of the wealthy. It was seen originally as a form of protecting your investment at that point and then as more and more cars appeared on the road, it became a matter of necessity. When you take into account the fact there are so many cars on the road, it only make sense to demand at least minimal coverage. Auto insurance has a long history, and there's a reason that it has been around for as long as it has!

Check out the latest in auto insurance reviews and comparisons at: http://www.automobile-insurance.ws Automobile Insurance.

Article Source: http://www.ArticleBiz.com

Van Insurance Information and Advice

By: Robert Mcleary

We know that you would like to secure the best possible policy package for your van. But you face some dilemmas. What kind of coverage should you get? Which coverage suits your purpose perfectly? It can be quite frustrating to pick the wrong policy and find that it either covers a lot more or a lot less than what you really need.

Fortunately, a lot of companies offer specialized insurance coverage that would suit any age, lifestyle, and purpose. And these policies come at rates that are the lowest in the market. These companies also give additional services and satisfaction guarantees aside from the usual Van Insurance.

If you worry about that other person whom you have just blindsided on the freeway on the way to work, then third party coverage best suits your needs. This policy covers damages you may make to the other vehicle, covers the compensation of the other involved party in case of untoward harm which he or she may have obtained as a result of the accident and even if it results to the demise of the said other party.

If the damage to your van is the result of a fire, or if it is stolen, there’s also an insurance package especially for these cases. The fire and theft and third party coverage secures all the cases mentioned. This is especially useful if you use your van in a high risk environment. It is undeniable that there are areas in the country which are more prone to theft due to high crime rates. You will undoubtedly need this package to cover for certain losses.

If you are the type who would prefer to have all the bases covered and taken care of, then we suggest that you sign up for the comprehensive insurance package. This covers all previously mentioned cases as well as damage to your van as a result of an accident and also maliciously inflicted damage to your van such as vandalism, looting or arson. If you would like to insure the contents of your van, you can sign up and immediately get a quotation from online agencies. Within a few hours, your van will be insured.

For an extra premium, some companies also offer to give your policy extended coverage insurance overseas. This extended policy will be of the same coverage as the one you are applying for. But you have to contact them two weeks prior to your journey abroad so they can make sure of the validity of your insurance coverage.

A lot of companies say they offer the best quotes, the lowest rates, and the best possible coverage for your van, but you can never be too sure. Through considerable research and comparison, you will be able to find the van insurance that suits your needs. Don’t be afraid to ask questions and even an online quote because finding the perfect van insurance is one of the most daunting tasks. It will require a lot of time and effort.

Robert Mcleary writes articles for van insurance. Other articles written by Robert Mcleary related to private van insurance cheap van insurance, business van insurance can be found on the net.

Article Source: http://www.ArticleBiz.com

Get Your Money Back From Insurance Companies

By: Candy Brooks

Many people from all over the United States are throwing away millions of dollars each year. Little do they know how much money they can save by taking a few minutes to find the best auto insurance rates online. With increasing expenses each month, saving money can be difficult. Here is a list of things you can do today to put more money in your pocket:

Discounts Available To You
Many people do not take advantage of the discounts offered by car insurance companies. You may not know about these insurance discounts because either your insurance company is not telling you or because you have not asked them what discounts they have to offer. Among the various discounts there are: senior citizen discounts, safety discounts, college student discounts, multi-car discounts and much more. All you have to do is ask.

Adjust Your Deductible and Save Money
By adjusting your deductible you can notice an immediate savings. Try using different deductible amounts offered to you and you will see a difference.

Good Student Discounts
If you or someone that is on your insurance plan is enrolled in school and is a good student, you or they may be eligible for the Good Student Discount, so ask and save.

Good Credit Score Discounts
Today, there are many insurance companies that are checking people’s credit scores. If you have a good credit score, you may be entitled to a nice savings.

Free Quotes in Minutes Saves You Money
The fastest way to see a quick savings is to get online quotes. It only takes a few minutes of your time. Since all insurance companies vary in rates you can sometimes see a difference in rates of $500 and up.

To get free quotes or see more information on the latest auto trends and tips go to:

http://www.auto-insurance-quoter.com/

Candy Brooks was born in 1973 and currently lives in California. http://www.auto-insurance-quoter.com/

Article Source: http://www.ArticleBiz.com

Finding Cheap Car Insurance

By: Robert Mcleary

Car insurance may be mandatory, but you do not need to be burdened by paying more than what you actually have to. Cheaper car insurance doesn’t necessarily mean less coverage. You can get the coverage you need, and save quite a significant amount by taking your time to understand the policy and talking to your insurer about the various discounts they can offer you.

By fitting your vehicle with a security device, you can in fact get cheaper car insurance premiums. The better the alarm system you have installed, the chances of you getting a good deal increases. Most insurers will ask you to fit your car with security equipment especially if you live in an area where car crimes are rampant. It makes a lot of sense and it will give you some peace of mind.

If your annual mileage doesn’t exceed 5,000 miles, you can talk to your insurer about giving you a discount for mileage restrictions. This is not a standard in the industry, but some agencies will be more than happy to come up with an agreed mileage limit that will suit your lifestyle.

Depending on the age, sex and driving history of a named driver in your policy, you could end up with cheaper insurance or actually paying for more. If you add a young male driver into your policy, with a bad driving record; you would need to pay more for the insurance. On the other hand, adding a 31 year old female with a clean driving record will significantly reduce your car insurance premium. Insurers look at different variables when assessing how much you will need to pay for car insurance and these will usually include the profiles of the people who have access to your car.

By paying a higher voluntary rate, you could easily save a lot of money from insurance premiums. The standard excess for most insurers is £100, but if you meet £250 in the claim you will see a considerable reduction. By taking in more of the risk, agencies will give you a discount. However, this is a gamble and might not work out for you at all. In the end, you might have to meet the cost of repairing your car after accidentally bumping into a parked vehicle.

Shop around for the best deal. Sometimes you think you’re getting the best price, but you end up paying for a policy that doesn’t cover all the bases. The cheapest would be the basic liability insurance, which would not be enough especially if you travel within high risk areas. A comprehensive insurance would be a fair deal, except that it is too costly for someone who lives in a safe neighborhood. An insurance seeker must remember that they mustn’t acquire policies that they don’t have need for. Some agencies will give you a high price, because they know that you haven’t done your homework. By learning the ropes and understanding policies, you will be safe from firms who want to rip you off.

Robert Mcleary writes articles about Cheap Car Insurance and Find The Best Offers Online. Other information and articles published by the writer on the topic of Find The Cover For You can be obtained on the web.

Article Source: http://www.ArticleBiz.com

Smart Tips on Cheap Car Insurance

By: Allan Elvin

A car is a valuable possession; it is bought with a huge amount of money. Any damage to it also necessitates good amount to repair. Sometimes the expenditure of repairing the damage goes so high that one finds it difficult to meet it by his singular effort. So, it becomes necessary to look for a helping hand that can lighten the financial burden. If there is no other sources available to rely on, one can opt for car insurance.

Since nothing in this world comes for free, you also cannot get an insurance policy for your car without paying some money. You have to pay a monthly, quarterly or half-yearly instalment after you buy the insurance. Though you cannot avoid paying the price of insurance, you can keep it low with the help of a few tips. Cheap car insurance will help you save a reasonable some and the deal will not become a burden for you.

One easy way to keep the cost of car insurance policy low is to increase the deductibles. Deductible is the amount that you pay from of pocket before the insurance company begins to pay on a loss. So, higher the deductible amount is, the lesser the cost of the insurance will be. A good driving record also helps a lot to get a cheap car insurance deal. Spotless driving record indicates that the insurer will have less risk in selling you the insurance policy.

If your car is equipped with enough security kits then you will have higher chance to qualify for Cheap Car Insurance. A car equipped with sophisticated security accessories is under less risk of theft or accident. So, insurer will not hesitate to sell the insurance policy at cheap price. The average miles one drives also matters in case of the cost of the car insurance. By keeping it within a certain limitation, one can avail car insurance at low price.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Cheap Car Insurance and in guiding you on its various details.

Article Source: http://www.ArticleBiz.com

The Importance of Auto Insurance Comparison

By: Andrew Daigle

Whether you are shopping for Texas auto insurance, New York auto insurance, Arizona auto insurance or anywhere in between, the process is best approached by speaking with several agents and comparing quotes to get the best auto insurance rate available. To get started, you will need to know the make and model of your vehicle, along with it's mileage, any extra features and condition. During the process of requesting a free auto insurance quote, you may also be asked about your driving history and/or your preference regarding a deductible.

When it comes to auto insurance rates, the actual amount that you pay will likely be determined by several factors. Among them, your driving record, credit history, the type of automobile that you drive, your age, marital status and even the amount of your chosen deductible. Typically, younger drivers will be required to pay higher auto insurance rates simply because they have less experience behind the wheel and are, therefore, considered to be a higher risk. Mature drivers, including those that are married, are viewed as being more responsible and may enjoy discount auto insurance.

Receiving a free auto insurance quote is usually as simple as picking up the telephone or logging onto the internet. Most agents can offer auto insurance quotes after a brief interview. It's important to keep in mind that new vehicles will typically call for higher auto insurance rates than a used vehicle. Why? Simply because new vehicles are worth more and, as such, their replacement values are higher. In addition, an SUV and/or sports car will almost always be more expensive to insure than a standard car. If you own more than one automobile, a terrific way to obtain discount auto insurance may be to switch all of your policies over to one auto insurance company. In many cases, you will be given cheap auto insurance because of the fact that you will be granting the company all of your business.

If you want to compare auto insurance rates, it will take more than simply flipping through the yellow pages and choosing a few names at random. While this is a good place to start, you must also consider the benefits of online auto insurance quotes and the competition that only the internet can offer. One of the ways that an auto insurance company will compete for your business is through auto insurance rates. Where better to shop from a world full of insurance companies than online? When you compare auto insurance rates, you can save a considerable amount of money and be proud of the fact that you are a thrifty shopper. Getting the best value for your dollar feels great and when you get discount auto insurance, you can ride with pride.

The information in this article is designed to be used for reference purposes only. It should not be used as, in place of or in conjunction with professional financial or insurance advice relating to auto insurance quotes, discount auto insurance or auto insurance rates. For additional information or to receive an auto insurance quote, contact a local auto insurance company.

Andrew Daigle is the owner, creator and author of many successful websites including http://www.auto-insurance-quotes-cheap.com , an auto insurance company research site and http://www.personal-payday-student-loans.com , a site for finding the best loan for your needs.

Article Source: http://www.ArticleBiz.com

Cheap Car Insurance – The Best You Can Get

By: Allan Elvin

There is a better and cheaper way to ensure that your car is at the best of its health than just rolling down the wheels according to the guidelines prescribed for you. But, you have to earn your way to it and the only way you can do it is by following some of the simplest rules set out for the purpose. In any case, the advantages of owning such a useful method should be inspiration enough for car owners to follow the steps diligently.

As a precautionary measure to be prepared for any unpleasant situations in the future, the car insurance has been introduced by the insurance industry as an essential element for all car owners. With the right approach, this insurance can take a really affordable nature provided a few details are taken care of. You can get hold of a cheap car insurance with highly low premiums if you fall under the lower risk category, which is determined by your driving history.

During the ownership of the car, if you have a good driving history and have maintained your vehicle in the best way possible, then you definitely fall under the low risk category. Factors like the make and model of the car, the number of people who have driven it, the purpose it has served and the place where it remains parked go a long way into the construction of the insurance payment.

The insurance market in the UK is a heady collection of a huge number of companies offering their unique Cheap Car Insurance policies for the car owners. At really low payments, car owners can now avail lucrative benefits for their vehicles at the behest of a string of such policies, which are tailor made for a healthy car life as well as minimum financial pressure for you.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Cheap Car Insurance and in guiding you on its various details.

Article Source: http://www.ArticleBiz.com

Car Insurance : A Policy That Cares For Your Car

By: Smith James

If you are a proud owner of a car, there is another thing you need to proudly own up to. Car insurance is one sure thing for all car-owners to consider. After all your beloved car deserves protection. It needs to be covered with a policy to see to its good health and maintenance and long life.

Your driving record is definitely the biggest factor that the insurance companies look out for when they decide on the premium the insurance companies can offer to you. In fact, people with clean driving records are also eligible for discounts offered by good insurance companies. A safe driver profile enhances the confidence of the insurers to consider you for cheap car insurance since it means that your chances of having to make an insurance claim is much less. Other personal information, such as your age also plays a big role in what premium the insurance company settles on.

To increase your scope for availing to cheap car insurance, you need to take care that you provide accurate information on all the details asked for. Anti-theft devices definitely work for you with an increment of the 'safety' factor with your car. These devices installed on your car reflect your concern for your expensive belonging, bringing about a corresponding concern of the car insurer for you by offering low-priced insurance policy..

Internet is one huge resource at your fingertips to help you contact the insurance companies at short notice as well as to collect important information about car insurance concepts and policies on offer. You can collect as many quotes as you can and compare them to get a clearer idea. However, an important catch here is to not only look at premiums that you have to pay but the accordingly good monetary coverage you get. If you are a proud owner of a car, there is another thing you need to proudly own up to. Car insurance is one sure thing for all car-owners to consider. After all your beloved car deserves protection. It needs to be covered with a policy to see to its good health and maintenance and long life.

Your driving record is definitely the biggest factor that the insurance companies look out for when they decide on the premium the insurance companies can offer to you. In fact, people with clean driving records are also eligible for discounts offered by good insurance companies. A safe driver profile enhances the confidence of the insurers to consider you for cheap car insurance since it means that your chances of having to make an insurance claim is much less. Other personal information, such as your age also plays a big role in what premium the insurance company settles on.

To increase your scope for availing to cheap car insurance, you need to take care that you provide accurate information on all the details asked for. Anti-theft devices definitely work for you with an increment of the 'safety' factor with your car. These devices installed on your car reflect your concern for your expensive belonging, bringing about a corresponding concern of the car insurer for you by offering low-priced insurance policy..

Internet is one huge resource at your fingertips to help you contact the insurance companies at short notice as well as to collect important information about car insurance concepts and policies on offer. You can collect as many quotes as you can and compare them to get a clearer idea. However, an important catch here is to not only look at premiums that you have to pay but the accordingly good monetary coverage you get.

The author is an expert in car insurance, van insurance, home insurance uk, breakdown cover and has written a number of authoritative articles on this subject. His articles are widely read because of the clever tips and valuable advices he provides in them.

Article Source: http://www.ArticleBiz.com

Car Insurance : Research Online To Find The Right Deals

By: Smith James

Car owners cannot do without car insurance. It is a necessity one should not ever overlook. One may argue that the premium rates are too high. But then many of them do not know that there are many ways to get a reasonably priced insurance policy. One needs to research well enough to find the right deals.

When it comes to car insurance, perhaps no other factor matters more than the driving record of the driver. A person with a safe collision-free driving record, also free of speeding or traffic fines, is a potential candidate for cheap insurance deals. Going for deductibles is another preferable way to cut down on premiums. Deductible is the amount that the insured pays to the insurer before the benefits of the policy can apply. This amount is paid by the insured before receiving reimbursement upon an insurance claim under the policy. It is a fixed amount. The higher the amount of deductibles you pay, the lower your premiums will be.

Do not forget to shop around, because there are good deals available but people are not aware of it because they do not put in time or patience to research for them. When you want to research, some of the best deals are on the Internet. Visit online and collect quotes from as many insurance companies as you can. Not just because this opens your mind to better deals and gives you better options to ponder about, but also because it is a rather easy process.

You have to just fill out an online application form before you are supplied with quotes from all the car insurance companies where you have applied. Once you get the quotes, compare them judiciously, obviously taking into consideration the premiums payable but at the same time, also the terms and conditions of the policy and the coverage you will be eligible for.

The author is an expert in car insurance UK, van insurance, breakdown cover UK and has written a number of authoritative articles on this subject. His articles are widely read because of the clever tips and valuable advices he provides in them.

Article Source: http://www.ArticleBiz.com

Van Insurance Is Essential To Cover Your Van Against Damages

By: Smith James

A van is larger than a car with more seating capacity, generally more than eight people. In the UK, a van may generally be used for a commercial purpose, since families do not need a van. It becomes essential thus to ensure it against the high risks it faces on the roads. Van insurance helps you out in a number of ways. It helps cover the van against collisions and helps prevent financial losses.

In fact, collision coverage is a specialised category in van insurance. It provides coverage for collisions on the road with other vehicles. There is another type of coverage which is known as comprehensive coverage. This one provides coverage to your van for other damage-incurring losses as well, such as fires and earthquakes.

When it comes to premiums there are different factors to be taken into account. Some of the important ones are the profile of the driver: the safer the driving record of the driver, the better the chances of the insurance companies considering you for a cheap van insurance. The safety devices installed in the car further add up to your eligibility for van insurance at lower premiums. A van less prone to accidents definitely is a safe bet for the insurance companies to give you insurance and also lower premiums would be on the way.

How low a premium you are able to get on van insurance depends on how much you research for it. If you research well, chances are that you are able to come across better policies. Also you should read the clauses carefully since this helps avoid disappointments later on. It is important that the terms and conditions be clear to you so that you are able to get remittance of the damages for which you make a claim. Using the Internet helps you make appropriate research as well as collect quotes in quick time.

The author is an expert in car insurance, van insurance UK, breakdown cover and has written a number of authoritative articles on this subject. His articles are widely read because of the clever tips and valuable advices he provides in them.

Article Source: http://www.ArticleBiz.com

Personal Injury Insurance Claim - The Insurance Process, Strategy And Negotiation

By: Hector Quiroga

A personal injury insurance claim can be settle without an attorney. Make no mistake. In fact, the great majority of personal injury claims do not involve attorneys. The reason for this is the high legal fees and cost that will be tackled to your settlement. So learning the process and handling your claim can save you a bundle and increase your injury compensation.

The personal injury insurance claim process starts when you go to the doctor. As soon as a medical professional treats you, you will be considered "injured". When people claim headaches or similar injuries, the adjuster will not allow payments for pain and suffering unless they think they can settle the day you filed the claim. Most of the time, however, there will want to see some objective evidence of the injury.

Most insurance companies will try to settle the person injury insurance claim (as oppose of your personal injury "legal" claim) as soon as they think they can get a settlement and release form from you. This document will be an agreement between you and the insurance company in which you agree that you will not present a legal claim against the liable party in exchange of a certain amount of money. This agreement will be honored (most of the time as it can be disputed) in a court of law.

It is not unusual to find insurance adjusters trying to settle in your first conversation. They can have a recorded agreement on the phone that could have the effect of an agreement and release.

If you do not settle, then the personal injury insurance claim will continue. You will follow a treatment schedule and your medical bills will be paid by your insurance company by your Personal Injury Protection Coverage. Both insurance companies will send you a Medical Authorization From. This form entitles them to ask for your medical bills and records. You insurance company will not pay the medical bills until you give them the form. This is perfectly legal. Courts have ruled that if the insurance company is required to pay the medical bill, they are entitled to see the reports. However, you do not have to give this Medical Authorization form to the insurance company of the person that hit you. You can withhold the records until you are ready to settle.

After you insurance company pays, they will be reimbursed by the responsible party’s insurance company but only when you settle. This can take up to three years, depending on your state’s bodily injury statute of limitations. However, your insurance company will not pay for you pain and suffering and general damages. You have to settle those by yourself.

The personal injury insurance claim process will focus in your medical treatment. The insurance carrier will be sending you letter and asking you to report your medical condition. If they believe that you are over treating, they will send a letter to your own insurance company telling them that if they pay for your medical bills, they will not reimburse them. This is a technique to put pressure on your own insurance company to review the medical records and decline payment in anything that does not appear to be accident related.

Once you feel better, you are back to "pre accident condition", or you are release from treatment, the other person’s insurance company will be asking you for the medical authorization form again. You can declined to turn it in, but you can collect the medical records yourself, review them, exclude whichever ones you believe do not help your case, and submit the rest (just like a lawyer would do). Most people will just sign the medical authorization from, giving the insurance company the right to see every record in your medical history.

The next step in a personal injury insurance claim is the evaluation process. Once the insurance company receives all medical records and reports, they will "compare" your injuries and treatment to similar cases in your area and find the average jury award. Their first offer is the lowest amount they believe a jury would award you. You can negotiate that amount to what you believe a jury would award you.

Once there is an agreement, the insurance company will send you a settlement of any and all claims form. Once you returned signed, they will issue you payment and the claim will be settled. At that point, your insurance company will be reimbursed for your medical bills.

http://www.auto-insurance-claim-advice.com/bodily-injury-claim.html

All the best, Hector Quiroga© Copyright www.auto-insurance-claim-advice.com To read more about a complete parking lot accident investigation, click here

Article Source: http://www.ArticleBiz.com

Cheap Car Insurance Is There: Find It Out

By: Allan Elvin

Insurance is an important deal to protect what we have. We need insurance for that basic security of life and property. Your car is one among your cherished possessions and it boils down to you to take absolutely good care of it and to protect it from the dangers that it faces while on the roads. This is one of so many other things that are out of your hands: the things which human beings can do nothing about. For example, you cannot calculate disasters or you cannot prevent accidents all the time, despite best intentions.

And when it comes to things like your car, wear and tear is the way it all follows. You can do nothing about the unforeseen except guard against it, for instance, by purchasing car insurance. It helps you face the situation when it strikes. Many people shy away from car insurance policy due to the extra-high premiums that accompanies these policies. But then, you need to know how to shop your way around to cheap car insurance.

Your safe driving record always stands you in good stead, qualifying for cheap car insurance by default. However, if you don't, you need not really worry. You may consider joining car driving classes, scoring good grades in them to prove your honed driving skills. This keeps you a better chance at low premiums.

However, there is another thing that you should not miss out on. This is to find out what coverage you are getting in a low-priced policy. The more flexible the policy, the better your chances of seeing your insurance claim settled without a hassle. Because if you go for Cheap Car Insurance, and find out later that is so rigid so as not to cater to your situation well, the very purpose of having an insurance is defeated.

Allan Elvin is an MBA in Finance and has a rich experience of writing on topics related to finance. He professes special interest and expertise in Cheap Car Insurance and in guiding you on its various details.

Article Source: http://www.ArticleBiz.com

Parking Lot Accident - Fault, Negligence and Other Issues

By: Hector Quiroga

A parking lot accident can ruin your weekend. If you ever went to the grocery store, you know that the parking lot is a deadly trap. It is not uncommon seeing people backing out while smoking a cigarette, or talking in their cellular phone. It is even worst when you honk at them and they look at you as if you were doing something wrong. If you are in a parking lot accident, there are several things you need to know about before it is too late.

Most parking lots in America are considered private property, and most of the accidents are low speed impacts. This means that "usually" there will not be people making bodily injury claims, at least not at the scene. The combination of the two allows the police decline your call for help. It is very likely that the police will not respond to document the damages.

You will be left at your own devices to get the other party’s information and defending your case. A parking lot accident usually gets complicated. Drivers have very different perspectives of what happened and word vs. word situations will most likely arise if you do not have witnesses (insurance companies require independent witnesses, so your passengers will not count).

It is often the case that the other party will not want to give you their information. This is when things can get ugly. How can you file a claim if you do not have their information? Call the police again (even if that is after they left) and try to get them to come out. If they don’t, then go to the closes police station and file a walk in report. Write everything you know and exactly what happened. This will help you later on to document your claim.

There are two reasons why people won’t give you their insurance information. Either they do not have insurance (way to often in the U.S.) or they think you are responsible for the accident. The common view is "if you hit me, then your insurance should pay". In no fault statues (like Michigan), this does not apply, but all fault states most driver do not want to file against their own insurance company. Although this is a reasonable deduction, it is misguided.

Insurance agents try to discourage people from making claim against their own insurance policy. They worry about your rates. Most of the time, your rates will not be affected if you are a good customer and the accident is not your fault. Agents also have personal motives for this; they have "loss ratio" percentages that can lower their commissions, so they want to discourage claims as much as they can. No filing a claim can jeopardize coverage, you have a duty to report an accident, and not doing so can left you without coverage.

This can put you in a very bad spot. If you do not file a claim then no defense against bodily injury claims and ludicrous claim will be paid by the insurance company. Protecting your defense rights can save you thousands of dollars in legal fees in paying someone’s alleged injuries.

Even if your parking lot accident is minor and the damages are not significant, call the insurance company and put them on notice. This will protect you in case the other party makes a claim against you. Remember that a parking lot accident is the single most disputed accident out there.

Make sure you file a police report, even if that is a walk in report. This will protect you in case the other person does not have insurance. Most

Uninsured Property Damage Coverage in the policy makes it a requirement that you file a police report, this will accomplish that.

It is a great idea to go back to the parking lot and talk to the business owners (or managers). Many parking lots in America have surveillance cameras and it is likely that the accident was caught in tape. This will be the single most important piece of evidence. Should your adjuster get that? Yeah, she should. But that does not mean that she will. Unfortunately there are many adjusters that will only take a recorded statement and call it an investigation.

All the best, Hector Quiroga© Copyright www.auto-insurance-claim-advice.com To read more about a complete parking lot accident investigation, click here

Article Source: http://www.ArticleBiz.com