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2 years ago · by · 0 comments

Auto Insurance FAQs Answered!

What does your auto insurance include? If you have to scan through the copy of the policy that you have from time to time, do not fret? Most car owners know very little about the specifics of their car insurance coverage. There are a whole lot of facts about car insurance that a lot of people do not know. Having an insurance advisor by your side can prove to be most helpful in figuring out what type of car insurance coverage you have and whether or not the accident you’ve recently been in is part of that coverage.

If you’re confused or unsure about what you think you know about your car insurance policy, here are the top frequently asked questions about it. Some of the issues on this list might be your questions too. The answers that come with each one describe what a regular insurance coverage includes.

· Should I get More than One Insurance Quote?

Finding the right auto insurance coverage may be easier than finding the right home insurance policy. However, it does not mean that you should only settle for one company. Getting numerous insurance quotes from various insurance companies should give you options. Moreover, it shall make you the opportunity to learn more about what insurance companies can provide and what they cannot.

· What if I Tweak my Driving History a Little?

When insurance companies find out about the “white” lie that you committed, you can be charged with soft fraud. In such situations, insurance companies can deny you of insurance coverage and cancel the policy altogether. In the end, you’ll lose more money than you thought you could save with the white lie.

· What does my Auto Insurance Coverage Include?

The most basic auto insurance policy covers your car and the damages that it may incur during an accident, including other vehicles that may have been involved in the crash. Also, it includes a limited number of items that are found in the vehicle that may have been stolen or broken during the accident.

· Is it Mandatory to get Auto Insurance?

The government requires all vehicle owners to get at least the most basic of car insurance coverage. This is an extra step taken to protect all vehicle drivers, passengers and the like. To make sure you have the right insurance, it is best to talk to an insurance advisor about it.

The consequences of not having the right insurance coverage or not having car insurance at all are often understated. Sadly, it is usually late when people realized they should have invested in car insurance with the right amount of coverage.

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3 years ago · by · 0 comments

Three Auto Insurance Myths Revealed

How much do you know about auto insurance? Apart from the fact that it is something that the government requires from every car owner, it also means additional cost to your monthly expenses. Perhaps the only reason why most car owners would go for the cheapest insurance is because they know very little about how important it is to buy the right one.

So before you end up buying just any insurance policy, here are three auto insurance myths and the truth behind them:

  • There’s only the need to shop for a new insurance policy when the current one is about to expire. Most people think that when they buy their insurance coverage, they are bound to it for the rest of the year. But in truth, you may cancel the insurance at any time, but subject to fees and other charges by the insurance company. Most of the time, the company charges about 10% of the unused coverage. Make sure to compare potential savings before you make any cancellations and make the switch.

  • The color of the car says a lot about the cost of the insurance policy or so they thought. Whether you choose to own a red, white or a black car, it doesn’t really matter. What really matters to insurance companies is the type and model of car you choose to drive. Driving a sports can could mean higher insurance premium for you every month. The computation of the rate is based on how much the insurance company will need to spend to have the vehicle repaired in case it gets damaged.

  • Older people pay higher insurance. It is true that insurance companies look into the driving records and use it as one of its basis in the computation of the monthly premium, but your age does not matter. Your driving record does. The number of traffic violations that you got throughout the years may pull your insurance premium up, but it is just one of the many other factors that are considered. Some older people with clean driving records pay much less than a newbie in driving who’s got a long list of traffic violations.

When it comes to auto insurance, it can be quite easy to simply believe what we are told. However, when you do your research, you will discover the many different ways you can save on insurance costs.

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3 years ago · by · 2 comments

Personal Auto Insurance: Facts You Need To Know

A number of insurance companies offer a variety of car insurance coverage but not all of them are the same. Although car insurance is required by the law in Canada, you still have to be very careful of the policy you buy. Understanding the facts about the personal auto insurance will help you figure out the policy that fits your needs.

It’s very tempting to buy cheap insurance as it would mean paying less. However, the truth about being underinsured can hit you at the moment you least expect. Some of the car repairs you need are quite expensive and if you don’t have enough car insurance coverage, it might stir out real financial trouble for you.

Insurance Premium

When you look for a car insurance policy, remember to ask for a quotation. It is best to know how much you’ll be paying so you can plan your finances ahead of time. The insurance company calculates your insurance premium based on a number of factors including the model of your car, the traffic tickets you’ve been issued in the lasts twelve months as well as your age and marital status. All these factors contribute to the risk level that insurance company watches out for.

Liability Coverage

When you find yourself involved in a car accident, not only does your insurance cover the medical help that you require, but also the repair of the vehicle. More than that, it pays to have good insurance coverage that includes liability insurance. In case the other party decides to file a case against you, the liability clause of your insurance will ensure that you get the right kind of legal and financial help, in case an out of court settlement is possible.

Full Coverage Policy

A full coverage policy is a good coverage option for those who are just new to driving. More importantly, if you are driving the latest vehicle model of a high-end brand or work for a company that requires you to travel a lot, it is best to have the full coverage policy. This is the type of insurance that ensures that you are financially secured no matter what type of accident you may get involved in.

Understanding your policy and its coverage is as important as purchasing the policy itself. While it may be tempting to buy the cheapest, remember that affordability doesn’t always mean the best fit.

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3 years ago · by · 2 comments

FAQs on Car Insurance

A car insurance policy serves as the protection of your vehicle and the people who may be riding it at the time of the accident. It may cover a broad range of scenarios, depending on the coverage that you choose. Sometimes, you may have questions about particular items in the coverage, and it is best to ask them before the need to file for a claim occurs. This is to make sure that you can manage your expectations concerning the policy you bought and the help they will be able to provide.

Some of these questions may be as simple as hitting a deer and asking whether it’s covered by the insurance or as complicated as hitting a person while you were drunk and driving and wanting to know if the insurance covers such accidents too. Whether it is a simple question or a complicated one, it is best to get the answers straight. Here are some of the frequently asked questions about car insurance you may want to ask:

•    Will the insurance cover the parade float I am making for my car? As long as you are doing the float as a volunteer which means you are not paid, typically, insurance companies cover it with protection. To make sure that your insurance provider indeed provides protection for such, it is best to talk with their representative.

•    Does my car insurance cover damages incurred by a hail storm? If you signed up for comprehensive insurance, you don’t have to worry about the cost for the repair of damages caused by a hail storm. However, primary insurance coverage does not include the harsh effects of the hail storm in their coverage.

•    Does my policy cover tree damage? If you have a comprehensive car insurance policy, the company will shoulder any repairs needed or the replacement of your unit even, as long as it does not exceed the market value of your vehicle.

•    Will my car insurance policy cover a hit and run accident? The primary car insurance covers damages to the vehicle as well as the medical expenses of both the driver of the vehicle and the other motorist involved in the accident. However, some insurance companies may have specific needs that they will only cover, so it is best to coordinate with the representative of your car insurance company.

You can get the answers to all these when you sit down with your insurance provider representative. Take the opportunity to talk to them about your concerns before they become real life concerns.

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3 years ago · by · 1 comment

Car Accident: What Do You Do First?

No one knows when they would find themselves in an accident. The worst thing that could happen is risking one’s life because medical help didn’t come. For accidents when the air bag or the seatbelt may have saved them, not having enough money to pay for their hospital bills or the legal fees when the other party presses charges could mean a lot of trouble for many car owners. By then, they think about the car insurance program that they were offered but gladly declined.

Perhaps in these scenarios, homeowners wished they made a better choice by investing their money in something that could be useful for them in the future. Sadly, not everyone sees the need for a good car insurance coverage until it is there.

But if you are one of those who bought the right car insurance based on the assessed needs, here is the first thing that you have to do when you get involved in an accident.

•    First, make a personal assessment of your condition. Can you walk? Can you talk? Can you get yourself out of the car to get a better view of what just transpired? All these points to the condition that you are in. Your current state of health just after the accident should help you decide what to do next. If you are fit to get out of the vehicle, then it is best to make calls. But if you are not, it is best to stay where you are until help comes.

•    Second, look at your surroundings? What can you see? Does the car accident show any signs of further danger like the car exploding in front of you or a nearby establishment catching fire? Looking at your surroundings should also help you decide whether or not you have to do an immediate evacuation. Remember that the goal is to save yourself and those riding with you in the car from further danger.

•    Lastly, call for help. Whether it is your insurance provider you call first or medical assistance, it is important that you get immediate help so that experts can evaluate your condition. Whoever you end up calling first, make sure to ask them to call your insurance company. Once the insurance company is notified of the accident you’ve just been in, they would automatically get a company representative to attend to your needs.

Being in a car accident can mean some serious effects on your health as well as the overall condition of your vehicle. It is always best when you have car insurance coverage. Getting help won’t be so difficult.

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3 years ago · by · 2 comments

Hit and Run: Will My Insurance Cover It?

Most people who get involved in an accident, whether it is their fault or they fall victim to another one, are usually responsible enough to face the consequences of what they have done. However, there are also those who fall victim to hit and run accidents. Irresponsible drivers are all too familiar too.

If another has hit your can, you can file a claim for coverage against the other person’s insurance policy. You are lucky if he has one. It will be a big problem if he doesn’t. But what if you fall victim to another person’s reckless driving and he flees the scene as if nothing happened? What would you do then?

If you are hurt, or your car has been damaged by a hit and run accident, your insurance policy should be able to cover you and your vehicle’s needs. However, it is important to check with your car insurance provider whether hit and run accidents are part of their coverage or not. If it is, then you don’t have to worry about the expenses that the accident has incurred on you and your vehicle. But if not, it means a lot of problems, but at least you have one more reason not to renew that car insurance next year.

Be knowledgeable about what the insurance policy covers. Before you make any purchase, it is important that you discuss what your plan offers. Collision coverage should be on top of your list. A collision coverage provides you with protection whether it is your fault or the other people. This type of coverage helps pay for the repair of the vehicle no matter who’s fault. If you have this kind of coverage, you don’t have to worry about being a victim of a hit and run accident; your policy will cover all your needs.

It is unfortunate to become a victim of a hit and run accident that you wouldn’t wish it on anyone else. It is for this reason that you should invest in your insurance policy. It may mean additional cost now, but it will mean security for you and the people you love. After all, a good insurance coverage will not leave you helpless right at a time when you need help. Instead, they will be there to provide you with everything you need when you need it, only because they know that you invested and trusted them with your security and safety.

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3 years ago · by · 0 comments

First Auto Insurance Policy: What Do You Need To Know?

Buying your first car has always been one of those moments that make you feel giddy inside like a child on Christmas morning. It’s considered a significant milestone as it has a symbol of you becoming an adult yourself. The independence that comes with driving your car comes with great privilege and responsibility. Buying your first auto insurance policy is as important as buying the car itself. You need to begin asking which type of coverage you need in your life

It can be very tempting to ask the insurance agent to talk to you about the least expensive policy that their company can offer, especially when you just purchased your car in cash. After all, with the gas prices going steadily up, keeping the car can be quite expensive. But is it the right choice to go for the cheaper one when your insurance coverage spells out your security in the case of an accident? Perhaps you have to re-evaluate your understanding of what car insurance policy and the role it plays in your life as a car owner.

Once you fully understand what it means to have a comprehensive car insurance coverage, it would be much easier for you to realize that cheaper isn’t necessarily better, especially when it concerns your insurance. Think about it: what if you get involved in an accident as a result of your negligent driving, you get seriously hurt, and you caused severe damages to the health and property of other people, where do you get help? This is when the few extra dollars you spent on car insurance will step in and turn into a big help for you.

The goal is to buy coverage that will be enough to provide you with help and help to those whom you may have hurt because of the accident. Insurance policies are not just about getting funding. It is also about getting legal help when you need it. If the other party decides to file a personal injury case against you, where will you get help? The insurance company you’ve entrusted with your policy investment will step in to help you.

Indeed, it can be tempting to pay for less when it’s available, but the real question is whether it is worthy or not. If you think otherwise, then it’s not worth buying at all. A comprehensive car insurance policy will provide you with the help you deserve.

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3 years ago · by · 0 comments

Auto Insurance Made Simple: A Guide To Auto Insurance

What do you know about the auto insurance coverage that you have? Apart from the fact that you need to purchase one for the renewal of the car registration, what else do you know about car insurance programs and their coverage? People have been used to reading the policy only when they find themselves involved in an accident, and they need to make a claim. Since you have to purchase a car insurance policy, it is mandatory that you sit down and take a good look at the specifics that it includes.

The first thing to do is to find yourself a good insurance representative to help explain to you the program that they are offering. It would help to talk to a few of them from different companies so that you can see what each company can offer. When you find an insurance agent, it would be best also to ask questions about the coverage. Through asking, you’d be able to learn more about the insurance policy. By then, you’ll be more informed; thus, you’d be able to make a sound decision as to which program you’d like to buy.

Second, don’t forget to ask for a quote. Though they may have explained the specifics of the plan with you and may have given you the figures verbally, it is best to ask for a written quote. This is to make sure that you have a full understanding of the program and the financial obligation it comes with. Getting quotes from various companies will also help in the decision making. No matter how good the program is, if you cannot afford it at the moment, there is no point in buying it and drowning in debt soon after.

Third, read about the insurance companies online. If you can go to the government website to check the details of the business, including their financial status, then that would be helpful too. The goal in buying car insurance is getting your mind off the possibility of not having enough money to get the medical and legal help that you need in case of a road accident. It is like buying personal injury coverage in advance. That’s why you want to make sure that you are buying insurance from a company who could financially provide that and more.

When it comes to auto insurance, you have to make sure that you get only what is best at the right price. After all, you’re buying insurance for your safety and security.

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3 years ago · by · 2 comments

Insurance Coverage: What Types Should You Consider?

How different is your car insurance policy to the one that your friend just bought? At a glance, it may seem as if all these insurance policies offer the same coverage. Perhaps the only thing that you see varying is the company that provides it. But in truth, each car insurance policy that you are offered comes with its specific coverage and limitation. Thus, it is important that you understand it before you make any purchase to manage your expectations.

If each car insurance policy is different, what type of coverage should you be looking for? Here are some tips to help you:

•    Choose a Plan That will Help you Pay for the Damages

Never settle for a system that offers a limited coverage because it only means they could provide limited help. Consider the insurance program that comes with a bodily injury liability as well as a property damage liability. Both of these will cover all possible types of problems you may encounter when you get into a car accident. The bodily injury liability coverage assures you of medical assistance when you need it, especially when you and another person go hurt in the crash. The property liability coverage, on the other hand, will help provide for the repair or replacement of assets that may be damaged by accident. Both types of coverage will ensure that you will have enough monetary funds for the expenses that might be incurred because of the crash.

•    Choose the Policy That will Make Sure you Get Help When you Get Hurt

Whether it is a minor or a major car accident you get involved in, there is always that risk of you getting physically hurt. Sometimes, the trauma can be very devastating that it changes you forever. You need insurance that comes with coverage that will protect you from personal injury; thus, they should be able to cover all the medical expenses you may have as a result of the accident. If you can find an insurance company that offers you the medical protection that extends to family or friends who may be riding with you at that time, then that should be a good choice. With the right protection, you don’t have to worry about anything, and you will be on the way to recovery sooner.

The things you consider when buying car insurance for yourself may vary depending on several factors including what you do for a living and your lifestyle. Make sure that you talk with an insurance representative to discuss your specifics.

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3 years ago · by · 0 comments

Buying Auto Insurance: It’s All About The Car

How much you are charged for your car insurance coverage is based on a lot of different factors including how old you are, how long you’ve been driving and how many accidents you’ve been reportedly involved in. You cannot lie about your age or the accidents you’ve been a part of (whether it is your fault or not). Although you can tweak your driving experience a little bit, the little change you make won’t make a huge difference at all.

Do you want to save on car insurance premium every month? Perhaps it is safe to say that every car owner does. Although the factors that were mentioned above are a bit precise, you can always do something about the car you’ll be driving. When choosing the car to drive, you may want to consider driving a low-end vehicle. Doing so will help you save on insurance costs. How?

Most insurance companies look at the car model you are driving. After all, what you choose to drive says a lot about your personality, your lifestyle as well as your ability to pay the insurance premium. Thus, if you want to spend less, then you should go for cars that are not so expensive. Not only will it make you a low-profile individual, but it will allow your insurance to give you the most coverage for a lot less.

A low-end car model also saves you from falling victim to thieves. The expensive items that you take with you every day won’t be hot in the eyes of thieves because when they look at your car, and it doesn’t sound like you carry expensive things with you, they are not likely to break your window and steal anything. A low-end vehicle will make thieves think that you live a simple life and that’s not what they are looking for.

Driving the latest model of the top car company in the world is everybody’s dream. However, if you are looking at owning a vehicle that will not put you in a difficult situation with the thieves or have you pay extra for car insurance coverage, then you may want to set that dream aside and set your eyes on some other car. No matter how many other factors come into play, car insurance rates depend on a lot on the car model you’re driving. So, it is best to go for simple yet classy.

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