Wednesday, June 25th, 2008
Filing auto accident insurance claims is quite tedious. But to get your compensation for the accident, it is a necessary procedure - so you might as well go about it in the fool-proof manner described here.
Tip 1: Inform the Insurance Company about the Accident Immediately
Your first priority after an accident is to ensure you and your co-passengers are okay, so a thorough medical check-up is necessary. After you are done with it, call up your insurance company and inform them about your accident. Now would also be a good time to go through your insurance policy and familiarize yourself with the exact terms of your auto accident insurance claim, if you are not familiar with it already.
Tip 2: Write a Detailed Auto Accident Insurance Claims Statement
Giving as much detail of the accident as possible and supporting your claim with pictures of the accident site, damaged vehicles, etc. is essential. In the claims statement, you must also include medical reports of all injuries that you have sustained in the accident, no matter how small the injury appears. If you add names and contact details of any witnesses to the accident, it adds more value to your claim. All this substantiates your auto insurance claim immensely.
Tip 3: Keep Track of all Events Pertaining to Your Claim
Whether it is a discussion you had with the police, your insurance agent, or a record of your medical expenses, anything that has got to do with your claim is supposed to be recorded in writing. If your claim is settled in court, these will be used as evidence. Do not try to rely only on your memory; file all bills, receipts, etc.
Tip 4: Check all Your Insurance Policies
If you have multiple insurance policies, each one may allow you to file an auto accident insurance claim. To ensure you claim all that you are entitled to, you have to know your policies’ details, as discussed above. Take time out to review all your policies periodically.
Tip 5: Be Honest
Honesty with your insurance company is always the best policy. Otherwise your auto accident claim could be disqualified on fraudulent grounds.
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Wednesday, June 25th, 2008
Millions of people are paying too much for auto insurance. Luckily, there are a few things that you can do to avoid being one of them.
First of all, a great way to find cheap car insurance is to authorize an EFT - which will mean that your insurer can get the insurance premiums directly from your account without you having to send a check. This will attract lower premiums because it saves the company and because you are more likely to never miss a payment. This lowers costs, and will attract cheap car insurance to you. Most of the time, the cheapest rates will be those in which you pay with an EFT instead of sending a check, so be sure that you are wiling to do this and that you are able to.
Secondly, if you pay your premium on a yearly basis, you can get more affordable rates. This is a great way to turn your auto insurance into cheap car insurance, especially if this is first time car insurance for you. You’ll find better insurance quotes if you are looking for policies that let you pay in this manner. Many people like to be able to have cheaper payments and so they don’t pay it on a yearly basis, but you really can get the best deal overall by doing it that way.
If your priority is getting the most savings, go for third party only cover. It will meet most of the laws in most places for car insurance, and you’ll find that it is cheaper. You will be able to have cheap car insurance if you do it this way. Especially if you have an older car, this is the type of car insurance that will best benefit you in the long run.
Lastly, the best way for you to find cheap car insurance is to get out there and compare rates. Many people think that one rate is going to be the same as any other, and so they take the first offer that they get for insurance quotes. This is often the mistake of many people who are buying first time car insurance, and they end up spending way too much money on their car insurance. The best thing that you can do for your own insurance rates is to get out there and compare the rates. There are many places where you can do this, and it will be a great way for you to lower your insurance premium by finding cheap car insurance to start with.
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