Car Insurance

Car Insurance Articles

Selecting the Best Insurance Policy Deductible

If you have been considering increasing the deductible on your policy, you may want to reconsider. Even though a higher deductible will result in a lower premium, there are long-term consequences to think about. Unfortunately, for many policyholders, the deductible is just one of many numbers on their policy that they don't understand. Before you make any changes to your policy, do your research and make sure that you're making the best decision for your personal financial situation.

Insurance for Your Truck

All states require any vehicle on the road to carry a certain minimum level of coverage. While these minimums can vary from state to state and don't necessarily cover everything that a driver might want, the fact remains that insurance is essential. For many consumers, the process of purchasing auto insurance is fairly straightforward. They simply work with an agent or contact several insurance companies to compare rates. Things can be a little different for truck owners.

Buying Insurance from Independent Insurance Brokers vs Direct Writers

No matter what type of insurance you need, navigating the available choices can seem like a big hassle. Perhaps the first decision you'll need to make is whether to use an independent insurance broker or a direct writer. What's the difference? Simply put, independent brokers and agents will work for you and connect you to insurance products from a wide range of companies. Direct writers work for one company, usually one of the "big name" companies like Geico, and only have access to that company's products. Some large companies like Liberty Mutual and Allstate make use of both independent agents and direct writers, but many employ only direct writers. In some cases, using a direct writer is the only way to purchase a policy from a particular company.

Buying Insurance at Costco, Sam's Club and BJ's Wholesale Clubs

Insurance provides peace of mind by knowing that when a disaster or illness strikes - you're covered. Peace of mind can be expensive though, especially if you live on a fixed or low income or have dependents to cover. Fortunately, with the help of mass retailers, there's a cheaper way to buy insurance plans from trusted providers.

How to Find an Insurance Lawyer

When you are facing an issue with your insurance company, it can be quite a difficult task engaging them in legal battles on your own. Whether it is a case involving your car insurance, health insurance, workers compensation or other type of insurance, you are better of hiring an insurance lawyer. The following are some tips on finding an insurance attorney.

Standard Car Insurance
Standard car insurance is not a particular type of coverage, but rather a common set of coverage that combine to give you the basic insurance coverage needed both under the law and for your own best protection. While the standard coverage offered will vary from one insurer to another and the minimum requirements will vary from one state to another, they all provide for some common needs such as liability insurance, personal injury protection, and uninsured/underinsured motorist protection.
It's never a good idea to break the rules laid out in your insurance policy. Whenever you choose to allow a person who is not covered on your policy to drive, or break any of the other rules associated with your insurance coverage, your insurance company has to have options in place to avoid responsibilities for losses incurred due to your violation of their mandates. One option that your insurance company is entitled to make in these cases is to invalidate your insurance policy.
Your Car Insurance After an Accident
Even before you get into an accident, prepare for one by taking the time to read and understand your auto insurance policy. Many people never know what is contained in their policy, and they are surprised when they find out, for example, that their own car is not going to get repaired by the insurance. When you know what your policy covers, you are prepared for the worst. Check your exclusions and make sure your policy limits are high enough to handle any emergency.
How to Document Damage for Car Insurance Claims
If you are involved in an accident, taking a few minutes to get your documentation together can help you file a successful claim. Documenting damage for car insurance claims means gathering statements, taking pictures, and finding out what the costs are going to be. If you are not charged in the accident and present documentation to back your claim, the process can be settled in only a few days, but not having the necessary documentation could stretch the claim out for long periods.
What Can You Do If Your Car Insurer Cancels Your Coverage
Having your policy canceled is not the end of the world, but it can create problems. You'll need to find out why your policy was canceled, and if you cannot get it reinstated then you will need to shop for a new insurance company. You may find out that you can reduce your premiums by using a different company, turning your policy being canceled into an unexpected benefit.


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