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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…
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…
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 get into an accident. It’s important for your own safety, but there is another danger: fraud. It’s not just a one-way street either. Both drivers and companies…
Strategies and Final Negotiations – How to Negotiate a Settlement after a Car Accident
Negotiating a Settlement: Part 4 Working out a fair settlement 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. A claims adjuster does not necessarily have…
Accident Guide | How to Negotiate a Settlement: Part 1
Many drivers come away from an accident without knowing what they are owed or how they should be compensated. Unfortunately, many car insurance companies will take advantage of your ignorance and downplay your injuries, limit payments, or try to convince you to accept a smaller settlement. Do not accept any offers until you have appropriately…
Accident Preparedness: For Best Results, Prepare for the Worst
Preparation is part of being a responsible driver, but understanding your car insurance policy is only one aspect of being prepared for an accident. Drivers can’t predict when or where an accident will occur. Otherwise, we’d all be able to avoid the physical and financial damages. It’s important to be prepared for the possibility of motor…
How to Reduce the Cost of Car Insurance
Can you negotiate car insurance rates? Can you haggle with car insurance companies, or are you stuck paying the first price they give you? There are several ways to reduce the cost of car insurance. Discounts, safe driving, and keeping current with your car insurance policies allow you to question your car insurance rates. Keep…
My Vehicle is Damaged. What do I do?
One of the biggest hassles of getting in a car accident can be dealing with car repairs. If your car is a total loss, the process can be entirely different than if your car is damaged but repairable. The good news is, it is in the best interest of insurance companies to help you through…
Do I need to hire a lawyer?
Unless you or another party were injured in your car accident, you probably do not need a personal injury lawyer to handle your auto accident claims. It would just be an additional cost and a lot of hassle. Minor car accidents are typically handled directly with your insurance provider by filing an accident claim. For…
Do I Really Need to Call the Police or File a Claim After an Accident?
When the damage to a vehicle exceeds what you’d pay in your deductible, filing an auto insurance claim with your auto insurance provider makes sense. But for minor accidents and fender benders, it may seem that going through an insurer, filing a claim, and filing a police report is too much work for the return….