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How Much Insurance Do I Need for My Car?

While there’s no ideal amount of car insurance that’s perfect for every driver, you can still use some common sense methods to determine how much car insurance you actually need to fit your budget and the type of car you own. What makes auto insurance so tricky for most people is that it is one…

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The Different Types of Car Insurance Coverage

Before we delve into how to tell a good policy from a bad one, you need to understand that insurers are regulated on the state level, so there’s no national standard for policy terms or types of insurance. Most auto insurance coverage companies use similar terms to refer to similar products (i.e. “Collision” coverage typically refers to the…

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Do I Have Enough Accident Coverage?

There are many types of common auto insurance available to consumers. Depending on the state in which you live, and depending on the ownership status of your vehicle, you may be required to hold a certain minimum level of coverage. The type of insurance coverage you hold can vary across the life of a car….

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What You Need to Know About Fraud

Most states across the nation require drivers to carry car insurance in order to drive legally. This is to help protect all drivers on the road should they ever get into an accident. It’s important for your own safety, but there is another danger in and of itself; fraud. It’s not just a one-way street…

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Strategies and Final Negotiations – How to Negotiate a Settlement after a Car Accident

Negotiating a Settlement: Part 4 Working out insurance settlements for an insurance claim with your insurance claims adjusters is similar to working out any other negotiation: you first need to lay the proper groundwork, and then “play your cards” right in order to reach your desired outcome. If you don’t prepare your case well, you’ll create hurdles for yourself…

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Preparing your Case – How to Negotiate a Settlement after a Car Accident

Negotiating a Settlement: Part 3 If you are ready to take on the challenge of navigating and settling your own insurance claim, you’ll need to set the claim up properly in the early stages and keep track of all the details to position yourself for success. Properly navigating the first few steps is crucial. Otherwise,…

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Lawyers, Mediators and You – How to Negotiate a Settlement after a Car Accident

Negotiating a Settlement: Part 2 When it comes to advice on settlements, don’t listen to an insurance adjuster. The main point of concern for an insurance adjuster is not how much your claim is actually worth, but how much you are willing to accept. Many adjusters will take steps to offer you conservative settlement amounts,…

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Pain, Suffering and Other Damages– How to Negotiate a Settlement after a Car Accident

Negotiating a Settlement: Part 1 You were in an auto accident last week, you sustained some injuries, you’ve lost a couple nights of sleep due to pain, but you’re on the road to recovery. Your doctor says you should be healed soon, and the pain is lessening each day. The auto insurance company has agreed to pay for…

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After an Auto Accident: How to Act and What to Avoid

For a minute, life stops. You don’t remember how you got to this moment, but here you are. You’ve just been in a car accident, and you’re trying to put all the pieces together between the feeling of the jarring impact, the sounds of crashing steel and shattered glass, and the potential pain you and…

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Accident Preparedness: For Best Results, Prepare for the Worst

Preparation is part of being a responsible driver, but car insurance is only one aspect of being prepared for an accident. Drivers can’t predict when or where an accident will occur, so it’s important to be prepared for the possibility of motor vehicle collisions or mechanical malfunction at all times. From being stranded in a…

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