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Last Build Date: Wed, 15 Dec 2010 00:12:21 PST

 



Car Insurance Quote

Tue, 02 Nov 2010 17:18:01 PDT

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Are you looking for car insurance quotes? There are some things you could do to make sure you have the best quotes for your car. Such things include checking quotes from different companies to make sure you have the most competitive car insurance quote.

Car insurance can get pretty expensive ranging from hundreds to thousands of dollars. At times, you may discover that the insurance deal you had wasn't the best you could have gotten because you did not do proper research before settling for the insurance company to insure your car. To this end, I will share with you some tips that could help you get the best deal for car insurance.

Driving History.

If you are a good driver, with a clean slate when it comes to driving history, there is likelihood you will have lower insurance quotes. No insurance company wants to insure a car that holds a high probability of involving in any form of accident in the next few months. However, if your history reveals a good history of driving, probably you never even got involved before in an accident, insurance companies will reward you by giving you low quotes.

The Type of Car You are Insuring.

Some cars will attract higher quotes than others. It is therefore necessary that you do a research for the insurance quotes that apply for a range of cars that you have in mind if you do not already have one. Insurance quotes will be higher for cars that are more expensive and lower for cars with low prices. If you do not have too much money to spend on insurance, then it is better you get a car that attract low insurance quotes.

Discount.

If you have other properties insured in some particular insurance company, such a company will give you a discount on your auto insurance to compensate your patronage. If you intend getting car insurance, then you should also consider insuring your yatch, house and maybe even your life. By the time you need your car insurance quote; there will definitely be a discount on the quote you are offered by the insurance company.

Doing researches to find competitive prices may be hectic when you consider how much work is involved in locating all the insurance companies in your area. However, there are websites that are there to help you do all these. All you need do is input your zip code and you will get quotes for different insurance companies.



Cheap Car Insurance Is Easy To Get Online

Mon, 01 Nov 2010 19:39:36 PDT

Car insurance is an added expense over and above the considerable expense of owning and maintaining a car, particularly when you consider all the other types of insurance that are necessary in today's world, so it is only natural to want to get cheap car insurance without compromising on coverage. Luckily, cheap car insurance is well within your reach, provided you know how to get it.The Internet is the best place to start when shopping for cheap car insurance. Insurance companies are now geared to provide you with a quote online but you will still need to shop around and compare quotes, and keying in your details separately for each insurance company you want a quote from can be a hassle. The answer is to use an insurance company that allows you to get multiple quotes online. You enter your details online, and the insurance company will draw up individual quotes for a number of insurance providers (sometimes as many as eight) and send them to you all in one go. How cool is that? You will even save on your phone bill because you won't need to use the phone to get your quotes.There are a number of other things you can do to reduce your car insurance besides getting cheap car insurance quotes online. You can increase your excess which will decrease your premiums on a monthly basis but substantially increase the amount you will have to pay out of your pocket when you claim. Accidents happen when you least expect them so you need to be sure you can afford to pay such a high excess if you go this route. All new cars now have to be insured before they leave the showroom floor these days but you can limit the amount of insurance you will have to pay by purchasing a cheap or moderately priced car. To insurance companies, cheaper cars mean cheaper repairs which means they will have to fork out less. The result is a lower premium for the consumer who buys a cheaper car.Ensure that your car is parked in a secured area like a garage or lockable car port at night, and consider fitting additional security measures such as a gear-lock, as this can help you get a cheaper package. Speaking of packages, it is often cheaper to have a combined coverage package, where you insure your car, home and possessions with one insurance company than several separate premiums with different companies. Avoid driving a high-risk vehicle or expensive car if you can. High-risk vehicles are the makes and models of cars that insurance companies consider to be vulnerable to theft and hi-jacking, and your premium will be raised accordingly. Also, expensive cars tend to be expensive to repair, so you can expect your insurance premium to be higher than if you had a cheaper car.As you can see, there are a number of ways to get cheaper car insurance, but cheaper is not always better because it can mean you aren't adequately covered. You need to be clear on what your insurance status is and what adequate coverage costs, and then decide how far over and above a reasonable insurance premium you want to go with extras.Car insurance is an added expense over and above the considerable expense of owning and maintaining a car, particularly when you consider all the other types of insurance that are necessary in today's world, so it is only natural to want to get cheap car insurance without compromising on coverage. Luckily, cheap car insurance is well within your reach, provided you know how to get it.The Internet is the best place to start when shopping for cheap car insurance. Insurance companies are now geared to provide you with a quote online but you will still need to shop around and compare quotes, and keying in your details separately for each insurance company you want a quote from can be a hassle. The answer is to use an insurance company that allows you to get multiple quotes online. You enter your details online, and the insurance company will draw up individual quotes for a number of insurance providers (sometimes as many as 8) and send them to you all in one go. How cool is that? You will even save on your phone bill because you [...]



Comparing Car Insurance in Australia - 7 Things to Think About

Sun, 31 Oct 2010 17:24:27 PDT

There's a wide range of car insurance options in Australia, which is impressive for a country of its size. It's easy to become overwhelmed given the number of companies offering "the best", "the cheapest" or "the best and cheapest" car insurance, but there are 7 things you need to consider before you commit to one particular insurer:1. What kind of insurance are you looking for?Compulsory third party insurance- Known as Greenslip insurance, this is the most basic form of car insurance for an Australian driver and is compulsory for Australian-registered cars. While it doesn't cover damage to the policyholder's car or cars and property of others, it does cover personal injuries of crash victims.Third party property insurance- This pays for any damage you cause to another person's car or property. However, it doesn't cover the cost of repairs for your own vehicle. Third party fire or theft insurance, an extension of third party insurance, insures you against the loss of your car through theft or fire.Comprehensive insurance policies- This combines all of the above. As such, if yours and another person's car are damaged through your own negligence, your insurance policies will extend to cover repairs for both parties.2. Can you buy the policies online?An insurance company that allows you to sign up for car insurance online has a distinct edge over one that doesn't. Online insurance policies, usually paid for by credit card, are more affordable due to the reduction of processing fees. It's also very convenient for the buyer as it can be done at any hour or any day of the week. You're also likely to make fewer mistakes on the application form because you can take your time in filling it out, and there is less or no pressure for you to complete as compared to completing one over the phone.3. Do they offer a multi-policy deal?Many insurance companies provide insurance for the home, travel and health in addition to car insurance. In many cases, insurance companies may offer a more favourable rate to customers who purchase more than one type of insurance from them.4. What's your demographic?Did you know that the cost of car insurance premiums can vary based on where you live? Premiums can differ even further based on your address within the state itself as well. Varying intra-state car insurance premiums are mainly down to the risk an insurance company perceives you and your car to be.Therefore, the higher the risk of your vehicle encountering an accident or being stolen, the higher the premiums you have to pay. For instance, residents of New South Wales, which has a high population density, pay the highest car insurance premiums of any state.Age and gender too, are parameters that need to be considered when comparing car insurance. Young men are perceived to be more of an insurance risk, and this is reflected in their insurance premiums. Additionally, the owner of a newer, more expensive car is likely to pay higher insurance premiums based on the risk such a vehicle poses for the insurance company.5. Have you tried asking for a discount from your existing provider?Sometimes, people compare car insurance when they're thinking of switching to another insurance company. In this case, a person has nothing to lose by asking their current insurer if they're able to match or surpass a cheaper quote from another company. Revisiting the terms of your present car insurance policies may also allow negotiation of better terms for you; there may be discounted premiums for drivers above 25 years of age. Tailoring your car insurance policy to match your personal requirements can make it even more affordable.6. Look beyond the bottom dollarA cheap insurance quote is very attractive. However, when comparing quotes from different insurance companies, you need to ensure that the policies themselves are similar too to prevent comparing apples and oranges. By scrutinizing policies closely, you won't wind up paying less but receiving inferior or limited insurance coverage from Insurer A, as oppose[...]



Bugatti Veyron SS Sets New Road Car Speed Record

Sat, 30 Oct 2010 21:02:25 PDT

The Bugatti Veyron Super Sport has set a new production car land speed record, hitting 267mph at VW’s Ehra-Lessien proving ground. 267mph. Well, 267.91mph to be precise, or 431.072km/h, thrashing the 256.23mph set by the SSC Ultimate Aero in Nevada in 2007. Bugatti Veyron Super Sport You don’t need us to tell you this, but that is obscenely, absurdly fast. To set the production speed record is impressive. To smash it by 11mph is astonishing. Then again, the Veyron Super Sport is an astonishing car. Effectively the final iteration of the Veyron, it shares the same 8.0-litre, 16-cylinder engine, but with larger turbos and bigger intercoolers to push power to 1,183bhp, a jump of 196bhp. Torque increases from 921lb ft to 1106lb ft. It’s lighter than the standard Veyron, too: that black’n'orange skin is constructed solely from carbon fibre, saving around 50kg. The Super Sport gets stiffer suspension, aiding high-speed stability and allowing lateral acceleration of 1.4g. Good work if you’ve spotted the new NACA ducts and reworked double diffuser. The Super Sport will hit 62mph in the same 2.5 seconds as the standard Veyron (and never was such an adjective less appropriate), but its 0-124mph and 0-186mph times are reduced to 7.3 seconds and 15.0 seconds. 124mph in just over seven seconds. Yowch. On the Ehra-Lessien test track, the Super Sports hit 427.933km/h (265.96mph) on its upwind run, before reaching 434.211km/h (269.86mph) on the return leg. “We took it that we would reach an average value of 425km/h, but the conditions were perfect and allowed even more,” Bugatti chief engineer Dr Wolfgang Schreiber said after. The world record was filmed for the BBC’s motoring series Top Gear who said, “Now, we wouldn’t want to give anything away, but you know how TopGear has always been pretty intimately involved with high-speed runs in the Veyron? Remember, for example, James’s blast to 253mph in Series 9?” bugatti Veyron insurance Fortunately for our underwriters we didn’t insure Janmes May, however if you want instant cover for your Bugatti and a Veyron SS if you just happen to own one – call us now on 0800 089 0182 or visit High Performance Car Insurance on-line.Bugatti Veyron SS Sets New Road Car Speed Record [...]



Cheap Car Insurance – the Best you Can Get

Sat, 30 Oct 2010 18:41:00 PDT

There is a better and cheaper way to ensure that your car is at the best of its health than just rolling down the wheels according to the guidelines prescribed for you. But, you have to earn your way to it and the only way you can do it is by following some of the simplest rules set out for the purpose. In any case, the advantages of owning such a useful method should be inspiration enough for car owners to follow the steps diligently. As a precautionary measure to be prepared for any unpleasant situations in the future, the car insurance has been introduced by the insurance industry as an essential element for all car owners. With the right approach, this insurance can take a really affordable nature provided a few details are taken care of. You can get hold of a cheap car insurance with highly low premiums if you fall under the lower risk category, which is determined by your driving history. During the ownership of the car, if you have a good driving history and have maintained your vehicle in the best way possible, then you definitely fall under the low risk category. Factors like the make and model of the car, the number of people who have driven it, the purpose it has served and the place where it remains parked go a long way into the construction of the insurance payment. The insurance market in the UK is a heady collection of a huge number of companies offering their unique Cheap Car Insurance policies for the car owners. At really low payments, car owners can now avail lucrative benefits for their vehicles at the behest of a string of such policies, which are tailor made for a healthy car life as well as minimum financial pressure for you. [...]



Selecting Truck Mud Tires

Sat, 30 Oct 2010 15:35:17 PDT

Driving via mud is as demanding as Driving through fine sand. Because of this, you need really good truck mud tires. You do not wish to find yourself stuck in unfamiliar territory without having the correct tires to handle the job. If human feet could possibly get stuck in mud and sand and other things, cars and trucks certainly can as well. A common misconception is that and 4-wheel-drive vehicle is easily capable to navigate via mud and get via any off-road situation. These vehicles could very easily get stuck though if they do not possess the correct truck mud tires to handle the terrain. Truck mud tires are tires that are made specifically for off-road application in scenarios that involve rain and/or mud. If you really go deeper into technical issues, mud is made of water and earth – or liquid and solid. For this reason, your tires must also have to know how to analyze the thickness of the mud which it needs to get past. By definition, mud tires are “tires that have a larger lug and wider and deeper space (voids) between lugs”. In choosing the proper tire for your adventure, you need to check on the wideness and also the deepness of the voids that are intended to stray away mud through spinning the dirt right after it has stayed in the tire. Fortunately, producers and tire retailers have already done this part for you most of the time and can provide you the best advice in terms of which specific tire would be good for the truck. Should you go with a tire that doesn’t cope well with mud, you’re just going to get trapped. On the other extreme, nevertheless, a strictly off-road tire will make alot of road sound experience when doing regular Driving. It is a trade-off. All you have to do to evaluate the quality of a particular tire is drive it on a regular road. If it is a great one, you’ll hear lots of sound experience because the tread is expecting to encounter dirt and mud that obviously isn’t present on a paved street. If you hear no noise or very little, disregard that tire and select another, because that tire is more mud-friendly and will end up getting you stuck.[...]



Lowering Your Cost Insurance Part 2

Fri, 29 Oct 2010 07:41:08 PDT

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What is Your Demographic?

The demographic you are in can play a role in getting cheaper car insurance. For example, if you are 55 years of age or older or if you are an early retiree then your premiums might be lowered by the insurance provider. If you are a single woman and are the only driver in your home then this could work in your favor in terms of the premiums you pay. Some insurance companies will even lower premiums for those who don’t smoke! Take the time to find these things out before you decide if you wish to become a client of a particular insurance provider



Lowering Your Cost Insurance Part 1

Fri, 29 Oct 2010 07:44:55 PDT

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Lowering the cost you pay on vehicle insurance is important but do not go with a low rate company in order to do it. Do not sacrifice quality to save your money. In the end you are not really saving anything. Always choose a company that has an excellent record of paying out claims to its clients. You also need to find a reputable car insurance company that is willing to give you the coverage you need at an affordable rate.


Don’t Drive to Work

If you want to get car insurance that rocks then one thing you can do is take the bus or subway to work to cut down on the amount you drive. Another option if it is available to you is to find a car pool that is accommodating to your work hours. Letting the insurance company know that you don’t drive your vehicle to work but use alternative means could make it possible for you to qualify for a discount in the area of 15 to 20 percent.



car insurance

Fri, 29 Oct 2010 07:46:50 PDT

(image) Many people look to save money wherever they can. Saving money on car insurance is usually high on everyone’s list. How much does the kind of car you drive matter with an affordable car insurance rate? The list I had shown you before may surprise you.

Small economy cars while stingy on gas consumption will not make you happy with insurance premiums. Highway Loss Data Institute every year analyze the actual insurance losses associated with the most popular vehicle models. Car insurance companies use comparable kinds of facts to set premiums, the rankings give consumers a look into how their vehicle choices affect their car insurance premiums.

Just like always, the statistics suggest that sports and young driver behind the wheel (less than 25 years old) are an expensive combination for insurers.



10 Least-Expensive Cars to Insure

Fri, 29 Oct 2010 08:04:14 PDT

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These vehicles account for the lowest dollar amount of losses for car insurance companies

1. Ford Five Hundred 4WD (now the Ford Taurus)
2. Buick Rendezvous 4WD
3. Buick Lucerne/Buick Rainier 4WD/Honda Odyssey
4. Ford Freestyle 4WD/Subaru Outback 4WD
5. Buick Rendezvous/Honda Pilot
6. Chrysler Town & Country LWB
7. Honda Pilot 4WD
8. Buick LaCrosse/Chevrolet Uplander/Ford Escape/Volvo V70
9. Dodge Grand Caravan/Ford Freestyle 4WD
10. Ford Explorer 4WD/GMC Sierra 1500 4WD/Toyota Highlander/Toyota Sienna



10 Most-Expensive Cars to Insure

Fri, 29 Oct 2010 08:02:52 PDT

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These vehicles account for the highest dollar amount of losses for car insurance companies

1. Cadillac Escalade EXT 4WD
2. Subaru Impreza WRX 4WD
3. Hyundai Tiburon
4. Mitsubishi Lancer
5. Scion tC
6. Acura RSX
7. Nissan Sentra SE-R
8. Suzuki Forenza
9. Nissan Sentra/Mitsubishi Eclipse
10. Chevrolet Cobalt two-door



SELECTING AN INSURANCE COMPANY

Fri, 29 Oct 2010 07:58:27 PDT

(image) My recommendation to select good insurance, is still one of the best ways to choose an insurer. You want to know you will be treated right, when you need the help. There's no better recommendation than a happy customer who has experienced service when their chips were down.

Price is a huge factor to select better insurance company. Rates are competitive, and the Internet makes it possible to shop for rates quickly.

Finally, what you need is feel comfortable with your insurance purchase. no matter you buy over the Internet, from a local agent you met at a ball game, or directly from the Insurance company over the phone, make sure you feel good about your decision before you sign. Make sure that the agent or company will be as easy to reach when you need to file a claim as they are when you're buying their product.



Tips to Choose Cheap Car Insurance (Part 2)

Fri, 29 Oct 2010 08:09:44 PDT

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4. Installing safety and anti theft device in your car, such as alarm, could reduce rate of

your car insurance. If your car is safer and less at risk of theft it should be cheaper to

insure.

5. Watch your policy when renewal time, don't just pay your policy. There are several things

you can do that will affect your cost insurance. There are several things there which

duplicate other insurance that you may have that can be eliminated. Ask question about it

and be critical before you renew your policy.

6. Find a good online discount car insurance broker before renewing. The internet is a

fabulous resource. Use it. There are all sorts of discount insurance brokers online where

you can get fast quotes from a wide range of companies. Don't just settle for the same

company you always use. Car insurance rates vary all the time. Always get comparable quotes

before renewing any policy.

7. Have a look at who your other insurers are. Many insurers offer a discount for multiple

policies. If you insure your house with a certain company then ring them up and find out if

they do car insurance. Get a quote from them. Find out what discounts they offer.



Tips to Choose Cheap Car Insurance (Part 1)

Fri, 29 Oct 2010 08:08:51 PDT

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1. See your deductible amount, it is amount that you pay first when you claim. Your policy cost is related to this amount. Many people who have insurance policy for long time have never considered whether they ought to vary their deductible. If driving record is good and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible

2. The type of car you drive affect your insurance rates, certain typs of cars attract higher rates such as sport cars, since this model is prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.


3. Drive your car carefully. You won't get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.



Rental Car Insurance and Credit Cards

Fri, 29 Oct 2010 08:10:44 PDT

(image) Many credit card companies offer insurance on rental car, provided you pay for the rental car on your card. Check your credit provider to see if they offer the insurance, and what type of insurance it is. Combining this insurance with any that your car insurance provides may give you as much coverage as you want. Remember that using your credit card to pay for the rental car will lower your limit, which may be a problem if you plan on paying for the vacation with the credit card. Many rental companies will charge a deposit to your card; while the charge won’t be processed unless you damage the car, the amount will be reflected in your limit until the car is returned.



You Can Reduce Your Premiums

Fri, 29 Oct 2010 08:11:47 PDT

(image) Insurance premium thrift is vital importance matter in a period of global economy crisis like now. Here are several other ways that you can save money on your car insurance:
• Many companies give a break to those who drive less than 7500 miles a year. If you take public transportation instead of driving to work, your can thrift the premium.
• Make sure you get all the discounts for safety feature such as alarm and airbag. Most companies give discount for safety feature. People who pass a defensive-driving course or don't smoke or drink often get discounts.
• Shop around. Compare and study offer that given by some insurance companies and select most appropriate with your need. There are some company that offer better rating, you will know it after shop. To make it easy to compare, find out information by phone or their computer online service.
• Insurance coverage decreases for old car. Claim only limited to "book" value, so you're not likely to get much anyway if you car is more than seven years old.
• Be a good driver. Avoid accidents and traffic violations and you will be rewarded with good-driver discounts.
• Drop coverage for such extras as towing costs or the expense of renting a car while yours is in the shop. The savings are probably small, but your new-car warranty's roadside assistance provision may provide them at no cost.
• If your group health insurance provides generous coverage, consider dropping the medical-payments portion of your policy.



Decide How Much Coverage You Need

Fri, 29 Oct 2010 08:12:51 PDT

(image) It is dangerous if you are not insured. Without insurance, your property is put a risk in an accident. But, if you have many insurance can be an expensive mistake as well. Our big question is how much coverage do we need for insurance?

State law may require as little liability coverage as $15,000 per person, $30,000 per accident, and $5000 property damage. About half of the states require $25,000 per person and $50,000 per accident. Half of them require $10,000 in property damage coverage. If you can afford it, buy more than the minimum. After all, $10,000 for property damage may not be enough if you hit a $100,000 Mercedes-Benz.

The more asset you have, you need more coverage insurance to protect your asset. Most insurers suggest liability coverage of at least US$ 100.000 per person, US$300.000 per accident and US$50.000 for property damage.

There is no any best solution when you buy insurance. Rate varies widely. Surveys recommend that you could pay annually from US$ 500 to US$ 2.000 for the same coverage from different companies. Don't forget the Internet. Many companies now offer online quotes, and insurance shopping on the Web allows you to compare rates from multiple providers in the comfort of your own home.
t and US$50.000 for property damage.



Who You Are Affects Your Premium

Fri, 29 Oct 2010 08:13:35 PDT

(image) Your age, gender and driving record are factors that you can least control may have the greatest impact on your insurance cost. Those factors are key that affect your insurance premium.

Single males under the age of 25 should pay the highest rates for the coverage. Insurance companies charge them very high because statistic shows they are involved in the most accident. But married men pay less than single men because statistically they have fewer accidents. There are fewer states do not allow rates based on sex or age.

Your premiums will likely go up if you are convicted of moving traffic violation, no matter what your age. Driver with clean record - no ticket no accidents - pay the lowest rates.



Your Vehicle Affects Your Premium

Fri, 29 Oct 2010 07:52:33 PDT

(image) You might want to buy a luxurious sports car or a fancy SUV, but watch out; your insurance company may charge you more for such car to protect you while driving it.

Insurance premiums are based partly on the price of the car, which affect the replacement cost if it is stolen or get accident. More expensive the vehicle is to repair, the more expensive your insurance premiums.


The lowest premium for injury claims are from large vehicles such as pick up trucks. Small cars with 2-4 doors have highest injury claims.

If you plan to buy a sports car, you'll pay more for the insurance, it could be two or three times more expensive than amount for ordinary model.

Sport Utility Vehicles often have higher insurance rates than mid and full-size cars. SUV are "hot" for other reason: the are the most frequently stolen cars and the price are more expensive than most cars.

However, insurance companies set rates based on their own experience. If Company A has more collision and theft claims for a particular vehicle than Company B, then A will charge more for the same coverage. It all boils down to a company's actual experience with a particular vehicle or category of drivers. That is why it pays to shop around for insurance



Know Your Coverage Types

Fri, 29 Oct 2010 07:51:17 PDT

(image) Is your car insurance actually insuring? Although you buy an insurance policy that covering a specific vehicle, several components make up the final cost:
• Bodily injury liability: Covers injury and death claims against you, and legal costs, if your car injures or kills someone.
• Collision coverage: Covers damage to your car up to its book value. Collision coverage carries a deductible, which is the amount per claim you have to pay before the insurance takes effect. The lower the deductible, the higher the premium. While it is legally optional, a lending institution or leasing company usually requires collision coverage.
• Property damage liability: Covers claims for property that your car damages in an accident.
• Medical payments: Pays for injuries to yourself and to occupants of your car. In several state, personal injury protection replaces medical payments as part of the basic coverage.
• Comprehensive (physical damage): Covers damage to your car from theft, vandalism, fire, wind, flood, and other non-accident causes. Comprehensive also carries a deductible.
• Uninsured motorist protection: Covers injuries caused to you or the occupants of your car by uninsured or hit-and-run drivers. "Under-insured" coverage also is available, to cover claims you may make against a driver who has inadequate insurance.



WHAT SHOULD YOU DO WHEN YOU HAVE AN ACCIDENT?

Fri, 29 Oct 2010 07:49:24 PDT

(image) Not many people are lucky go through their entire driving live without being involved in an accident. Most accidents are "drivable accident", it means your car has minor damage, no bodies hurt and you can drive away. Here is what you should do in a drivable accident

Move your car out of the flow of traffic. If you involved in an accident with less than four cars, there are no personal injuries and the cars are still drivable, move all the cars to a safe area out of the flow of traffic. Exchange information with the others drivers involved in the accident. The critical information should include the names, addresses, phone number, vehicle (year, make and model), license plate number, vehicle identification number, state drivers license number, insurance company and policy number. To make this easy on yourself, create accident information cars and keep them in your glove box.Get names and addresses of passengers. Also get the names of any persons who may have witnessed the accident. It may not seem important in a small fender-bender, but it will be if someone files a false personal injury claim.

Location. This is one of the important information needed for your accident report. Write it down and draw a diagram of the accident scene.Report the accident to the police. You can report the accident to the nearest Police Station or by phone. Report the accident to your insurance company. Some people feel that they should not report minor accidents to their insurance company because their rates will increase. While it is true that the number and size of the claims you make will influence your rates, you don't want to be caught in a lawsuit for personal injury accident that you did not report. These days, it's too high of a risk.

If you are in accident with personal injuries, call 911 immediately. Tell them your location and the nature of the injuries. Stay there and call your insurance company as soon as possible.If you're involved in a hit-and-run accident, don't chase the hit-and-run driver. Doing so is a good way to get in another accident of gets yourself killed by a lunatic. Call 911 immediately. Tell the 911 operator that the other driver left the scene. Give the best description possible of the driver, the type of vehicle and license plate number, and the direction the hit and run was traveling. Call your insurer as soon as possible