Auto Insurance
Car Insurance Tips – All You Need To Know Before Buying Insurance Premium
December 6, 2010 | Author admin
You can drive really carefully but still you won’t be insured from
accidents, no one do. They are natural part of life. You can’t control
other
driver’s behavior or extremely bad weather conditions. Nowadays car
insurance is obligatory thing, every year happen more than six million car accidents, and that’s statistics only for USA! But before you consider buying one for yourself, look at these fundamental tips, they will help you to buy cheaper and better car insurance.
First of all, and most importantly – be ready to spend your time finding a lot of different car insurance companies. Contact them and ask about policy details, types of coverage and prices. Do not buy insurance right away, after finding 2-3 companies. There are thousands of car insurance corporations, who are eager to get you as a client and help. You can save up to 500-600$ on car insurance; you just need to spend few hours searching for a good one. Yes, you heard me right!
Filling forms and talking on the phone can become really boring, but look at it this way – you can “earn” up to 500$+ in just 2-3 hours! That’s 166$+ per hour! But keep in mind, that cheapest quote will not always be the best value for you. Also good idea would be to ask friends, family and colleagues about their insurance; someone could have experience in this area.
Cost of the insurance premium can vary a lot, it’s based on your vehicle
details, you age, your gender, area of living and some other things.
Here is the some useful info you need to know: If you are male you will
pay
more than a woman for car insurance, it’s proven that women usually are
calm
and safe drivers. (Sorry men!) Also if you are under the age of 25, you
will
pay much more than your older colleagues. Married men will pay less;
statistics show that they are less likely to get in car accidents. If you
leave in the city with huge traffic and high population, car insurance
quote
will cost more than for countryside people.
Yes, you probably can’t change those factors, but before buying new car,
you must read this information! Red, yellow and white cars are much
likely
to get in road accidents, so insurance premium will be higher. Generally
insurance price for older cars will be higher as well.
And keep in mind, if you want to have a sports car or luxury car, be
prepared to pay for a premium at least two times more than you should pay
for an ordinary vehicle’s insurance.
Be aware that “clean” driving without any tickets will be rewarded – not
only premium cost will be lower, but also you will receive monthly
discounts
(of course if you will keep driving safe and clean throughout the year).
So
think again before drifting or racing in the city, it will not pay off.
Follow these simple tips, do some research and be ready to get nice and
cheap car insurance, it is worth your efforts!
via Car Insurance Tips – All You Need To Know Before Buying Insurance Premium.
An Essential Guide For Boat Insurance
December 6, 2010 | Author admin
As a boat owner or someone who aspires to be one, it is vital to understand the differences between car and boat insurance. Like car insurance the quotes you will receive for boat insurance will be based around a variety factors. Finding cheap boat insurance will depend on the age of the boat, the mooring location and other factors.
Boat insurance is more complex than car insurance as the factors are also related to the type of boating you may do. So on top of the boat’s age and mooring location the insurance company will need to know the length of the boat, the type of boat as to whether it is a sail or power boat and what kind of navigation you will do. Additionally how high a deductible you use is an important consideration for the insurance cost.
In order to get cheap boat insurance you will need to consider accepting a higher deductible, installing safety devices including a fire extinguishing system, reducing your area of navigation and making sure that the boat insurance policy provides for lay-up periods which are the times that your boat will be out of water.
The core elements of a boat insurance policy cover both physical damage coverage and liability coverage. The physical damage coverage reimburses for any damage to the boat itself or its machinery. Here the choice is whether to go for an all risk policy or not. Although you may wish to find the cheapest boat insurance of course you do not want to be left out of pocket if an incident occurs. If at the outset you do not choose all risk and exclude aspects such as wind storms or collisions with dock then you would not be covered and these types of damage could be quite expensive. Therefore it is advisable to choose the all risk option.
The liability damage is the part of the boat insurance which covers legal obligations to third parties in the case of loss, injury or damage to their property. This is relatively straightforward whereas the physical damage coverage has the added ingredient of being settled in the event of a claim based on either agreed value or actual cash value.
The actual cash value would take into account depreciation as well as the condition of the boat at the time of loss. This option provides less cover but should mean a cheaper boat insurance quote. Whereas the agreed value means that you will be reimbursed for the amount listed on the policy if there was a total loss of the boat.
Other additional covers that apply to marine insurance are uninsured boater, towing and assistance, personal property and medical payments. Uninsured boater comes into play if you or your passengers sustain injury due to a boat owner who does not have liability insurance. Towing and assistance will pay for emergency assistance such as towing, or emergency repairs or fuel delivery at sea. Personal property covers the loss of personal effects including fishing gear. Medical payments cover your first aid, hospital bills and ambulance for you and your passengers.
In trying to find cheap boat insurance remember to weigh up the expenses if there is an emergency, if you cut out some aspects of the cover and also think about your peace of mind.
——
Jackie de Burca has put together this essential guide for boat insurance. It discusses how to get cheap boat insurance but what to look out for in the cheapest boat insurance. She advises to calculate carefully the cost implications in the future which could happen by cutting corners and choosing the cheapest boat insurance. http://www.arthursavage.co.uk/boat-insurance.html
Definition of Bodily Injury – Law – Personal Injury
December 1, 2010 | Author admin
Definition of “bodily injury”
A quick check on the Internet leads to many sites that provide definitions about injuries. However, the only definition that counts after you’ve been in an auto accident is the one listed in your auto insurance policy.
Check your auto insurance policy
Here are a couple of examples of General Definitions taken directly from auto insurance policies:
* Bodily injury means bodily injury to a person, including resultant sickness, disease or death.
* Bodily injury means any bodily injury, sickness, disease or death sustained by any person.
Bodily injury refers to injuries sustained
There you have it. Bodily injury is damage to your body that may show up now or later as injuries, illnesses, diseases, or even death. Bodily injuries are specific to something that happens to you that results in damage. Those injuries can be to the body, mind, or emotions, as opposed to an injury to property.
The most common forms of bodily injury are injuries to the neck and back (commonly called whiplash) or simply bumps and bruises.
Insurance companies may refer to underlying injuries as soft tissue damage. More significant injuries affect the limbs, brain and head, or spinal cord, and can cause a lifetime of damages. Here you will require Vancouver WA Personal Injury Lawyer to fight for justice by providing enough proof.
Reaction at the scene of an accident
At the scene of an accident, the adrenaline kicks in. Your body’s natural reaction is “fight or flight”, and most people are just scared and shook up, not always aware of what could be serious injuries.
So when you suffer bodily injury, protect your rights by the words you use. Instead of saying, “I’m fine,” just say something like, “I’m not sure… it’s all so sudden.” After all, how can you really tell in the rush of that moment?
Damages may not be visible
The thing that most people may not realize until later is that physical damage may not be readily apparent. Even broken bones might not be noticeable. In cases of whiplash, there may be no bruises or scraping, but the ligaments, connective tissues, and muscles may have been stretched and snapped to the point of damage that is not immediately evident. Such injuries may not be identified without an x-ray, MRI, CAT scan, or other diagnostic tools.
So what is personal injury?
The term “personal injury” is often used by victims to find an attorney who specializes in such cases, as our office does. Think of personal injury as an “umbrella” term that covers not only your bodily injuries, but other damages as well.
Educate yourself about your rights in an auto accident
Everyone deserves to find out if they have a claim. It’s better to learn about your rights sooner than later, though. For example, even in a simple conversation with an insurance company, you may say things that later might make it difficult to reach a favorable settlement. That is true whether you are talking with your own insurance company of the one that represents the other driver.
It’s better to consult with our offices immediately after the accident, to protect your rights and make sure you see medical providers who truly care about your injuries and are careful to document their findings.
My next blog will discuss some of the damages other than bodily injury that can affect your claim.
Pennsylvania All Terrain Vehicle (ATV) Insurance – Insure Your Vehicle Today – Insurance – Auto
December 1, 2010 | Author admin
Insurance for your vehicle is important. If you have a recreational vehicle or camper then there is a requirement for recreational insurance. This insurance is compulsory for financial security. This protects you from loss suffered in road accidents or for paying compensation to the victim or his/her family. There are excellent insurance policies provided by Pennsylvania all terrain vehicle (ATV) insurance. Recreational insurance is compulsory for all US citizens. The intention of this insurance is to pay for the damage or losses to the victims of accidents. The ways of imposing the insurance are however different. This depends on the state you are staying in. For instance, the laws in New Hampshire are relaxed, whereas in Virginia you have to shell out 500 dollars to the state.
This has to be paid every year as insurance of liability. If you are not covered under any type of auto insurance then a fine is levied on you. Your registration can be suspended or you can be put in jail if you are not covered under auto insurance. Mostly you are likely to have insurance to cover the financial loss of the third party in case you are responsible. In order to have a flexible policy, you need to confirm the Pennsylvania all terrain (ATV) insurance rates. Before having a license in Pennsylvania, the driver is likely to have a policy of liability. The holders of the policy should have the license plate of the insurance company. This will confirm full payment done to the party who has suffered loss by the licensee. Hence the PA ATV insurance rate confirms protection against monetary loss in case of an accident that is related to your vehicle. You need to sign an agreement with the PA ATV insurance.
This will have a clause that you will be paying premium and the insurance company will pay the losses incurred by you. Medical damage, liability as well as property coverage is included in the Pennsylvania all terrain vehicle (ATV) insurance quotes. The coverage is of 6 types, but you don’t need to have them all. The Pennsylvania all terrain vehicle (ATV) insurance will inform you what the due date of your premium is and when you have to renew the policy. The policy is generally renewed from a period of six months to a year.
As our cars are insured, we also need to insure our ATV’s. The excellent option is the Pennsylvania all terrain vehicle (ATV) insurance. The PA ATV insurance rates are fixed after getting a PA ATV quote. In order to get a best insurance option, list of various agents has been enlisted. It is very important to have Pennsylvania ATV insurance so as to get financial security from the loss suffered during accident.
via Pennsylvania All Terrain Vehicle (ATV) Insurance – Insure Your Vehicle Today – Insurance – Auto.
Steps to be taken in case of car Accident
December 1, 2010 | Author admin
We any ways have to be careful in our day to day life, but unluckily bad things do happen. Follow the below given 13 steps if in case you come across any car accident:
1. First thing you need to do is to notify the police on time and call ambulance if in case of serious injury.
2. Do work together with the accessible authorities who come to the scene.
3. Take based on reason steps to safe guard your vehicle from any other loss. Consider moving it out of the traffic.
4. Further try to record every thing what every possible on the scene. Your notes should carry the details of accident, recognition of the autos and people available, and the names and badge numbers of all urgent situation personnel. Take pictures in case possible.
5. Insist on breath tests if you estimate drugs or alcohol are involved.
6. Do not agree on money in any case. Do not confess fault. Do not agree on fail to notice about the auto accident.
7. Have a carbon copy of all police reports.
8. Have the insurance company inspects and evaluates the scratch before any steps are taken to repair it.
9. Cooperate with the auto insurance carrier agent in the examination, protection or settlement.
10. Send your car insurance carrier copies or lawful papers received in relations with the accident as soon as possible. Be sure you keep the originals copy with you.
11. If you are injured, submit to physical tests by physicians selected by the insurance carrier as commonly as they reasonably require. (The insurance carrier do pays the cost of these examinations.)
12. Give your support for the car insurance carrier to get medical reports and other applicable records.
13. Now its time to file a claim.
14. After filing a claim you require to keep a record of expenses you incur as a result of an auto accident, as it may be repaid under your policy.
15. Store copies of all the paperwork in your own managed files. You might be required to refer to it later.
Recorded Statement — Do I have to give one after a car accident?
December 1, 2010 | Author admin
The recorded statement is a guarantee step in the claim investigation process.
Insurance adjusters will be calling you to ask if they can take your statement about the accident. Many people believe that they have to give these statements so the insurance company provides coverage for the loss. Most insurance companies have Cooperation Clauses in them, but none of them can require you to give a recorded statement in the event of a car accident.
You have the constitutional right to remain silent and to not testify against your own person. Even in murder trials, the right to no self incrimination is respected. The concept carries over to car accidents. No one can bound coverage and require you to be in a recording giving testimony of facts.
Taking a recorded statement is entirely voluntary. Do not let the insurance company tell you otherwise. If they tell you that the cooperation clause in your policy says that you must cooperate, then you can tell them that you will cooperate by giving a verbal statement (same statement just not recorded).
The cooperation clause is just that, a clause that requires you to help the insurance company�s investigation. It does not say that you have to do it under a recorded statement. If they are too pushy, then ask them to put their requirements on writing and verify what they are telling you against your actual policy.
Benefits v. Harms of a Recorded Statement
The benefit is that your insurance company will be able to better document your file. If there is a dispute about fault, and your case goes to arbitration, the arbitrator will probably look at a file with a recorded statement as having better evidence than a file without one. I have seen arbitrators decide that one person�s version of events was �more convincing� because she/he was willing to put their words in a recording.
The harms of giving a �bad recorded statement �could be many, delay in the investigation for something that you said that could bar coverage, complete denial of coverage, fault being construed against you, interpretation of your words against you, etc.
If you think that giving a recorded statement is the right thing to do, then consider only giving it to your own insurance company. If the other party�s insurance carrier asks for a recorded statement, have them contact your insurance company and �share� a copy of the tape. This way you only give one statement, and the people questioning you is your own insurance company (the one protecting your interests).
Here are the best 10 tips of what you should do before you give a recorded statement:
1. Make sure you have time to talk. Secure at least one hour of your time.
2. Make sure is time that work s for you and the adjuster�s. Do not do it before the adjuster�s lunch time. They will rush you to get out of the tape without giving you a chance to fully explain your point of view.
3. Have all the information available in front of you. For example, Names, streets, insurance polices, and the police report if possible.
4. Read your police before hand. This way you will know why the adjuster is asking what they are asking, and see if they are trying to find information to deny your claim.
5. Tell the adjuster that you are willing to give the statement only if they give you a transcription of what you said. Make sure you say this on the tape.
6. Remember that you can decline to answer any question for any reason at anytime. Just say it. I decline to answer for personal reasons.
7. Tell the adjuster that you will also record the conversation. This usually puts them in their best behavior.
8. Answer only what they asked you. If the question is what color is the light? then answer should be a color and nothing more.
9. If the question is subjective, decline to answer, tell them that you do not know, or simply just ask the adjuster what they are looking for specifically.
10. Be polite and respectful. If they are rude or anxious, the adjuster�s supervisor will probably side you. But if you are rude, your complaint will be dismissed.
via Recorded Statement — Do I have to give one after a car accident?.
Understanding the various types of property-related insurance and owner builder insurance
November 29, 2010 | Author admin
Understanding the various types of property-related insurance and owner builder insurance
Article Submitted by: Abhishek Mishra
Friday, 03 April 2009
Everybody knows Insurance. In this contract the insurer promises the insured to give compensation for the loss of the insured entity or death of the insured person. Premium is the amount which is paid by the insured to the insurance company on behalf of buying the insurance. Insurance is in fact similar to risk management.
There are certain rules and principles which are strictly followed by the insurance companies before insuring anything or anyone. Companies check the reliability of the information provided by the insurer, their earning capacity and the worth of the entity etc. Even when claims for insurance payment are made by the insurer, the companies check about the truth themselves regarding the extent of damage or loss, the insured entity or person and then only they give the insurance money. There are myriad types of insurance available in the insurance companies- Like,
*
Public liability insurance if any kind of damage happens to the insured property due to any person from the public insurance amount is given.
*
Vacant land insurance is taken by people who have lands or any construction in the land which is not in use since a long time. In case of any damage due to fire, earthquake, flood etc. to the property insurance, amount will be paid by the company for the loss.
*
Office insurance is taken by almost every office and their employees. In case of injury of the employees, their hospitalization bills are paid by the insurance company under which they are insured. And if any kind of damage happens to the office its cost is also paid by the insurance company.
*
Home warranty insurance is a good scheme where maintenance money required for the home is given by the insurance companies
*
Construction work insurance is taken by the builders for their buildings which are under construction and for the workers who are involved in the building construction.
*
Contract works insurance is very popular among people whose nature of work involves them in contract working.
*
Business insurance quotes are demanded by the companies, so that they can insure their business to the company which offers most competitive price.
*
Property Insurance Australia has a huge insurance market in Australia.
Other than these insurances life insurance, Motor insurance, Property insurance, Workers compensation insurance and insurance for display home are the most popular types of insurance.
It’s good and important to have insurance because our life is uncertain and insurance provides us and our family a kind of monetary security in case something unexpected and bad happens to us, so that we can face the challenges of life and move ahead.
Tips to ensure your claim is processed in a timely manor
November 29, 2010 | Author admin
There are a couple of key factors that will help process your claim within a timely manor:
1. Be sure to fill out all of your personal information on each claim form. Sometimes the company will ask for the information several times on each page, it is necessary for you to complete the information each time. It seems redundant, but it is necessary.
2. Make sure to give your physician the claim forms to fill out. You can provide your physician with our fax number (724)519-7484 and ask them to complete it and fax it directly to our office. You do not have to wait for them to fax the information. You can send us your completed portion as soon as it is finished.
3. Make sure to give your employer the claim forms to fill out. You can provide your physician with our fax number (724)519-7484 and ask them to complete it and fax it directly to our office. You do not have to wait for them to fax the information. You can send us your completed portion as soon as it is finished.
4. We will also need a copy of your Operative Report faxed to our office.
5. We will need ANY copies of itemized statements, chiropractor visits, or any doctors visits.
6. Claims should be filed within 14 days of the accident or sickness. The sooner we receive your completed paperwork, the sooner the claim is filed and processed.
7. You can check on the status of your claim 24 hours a day by visiting the Insurer’s direct website or by contacting our office.
Posted in After Car Accident, Auto Insurance, Cancer, Car Insurance Claims, Claim, Critical Illness, General Info, Had an Accident, Homeowners Insurance Claims, Hurt at work, Income Life Insurance, Injured, Insurance Claims, Liability Insurance Claims, Life Insurance, Life Insurance Claims, Make a claim, Property Casualty Insurance, Property Damage Claims, Sickness, Umbrella Policy, Worker's Benefits, Workman's Compensation | 
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Insurance :: Car Insurances for Teenagers | ArticleBiz.com
November 29, 2010 | Author admin
Now days many people feel the need of insurance and especially car insurance for their young children. Generally, teenagers falls in the category of highest accident risk and the reason beyond this is their reckless driving. That’s why it is advised that cars owned by the young people must be insured. Also these are the people who care a lot for their vehicle and usually buy the insurance policies to protect themselves and their cars.
Most of the people are there who are not able to make right decisions that which could be the best available policy for them. The best way to analyze that which is the best policy for them is to first list the needs of car insurance. After knowing the needs one can judge better that which of the available the best is for him or her.
In most of the places there are only three categories in which all of the insurance policies are categorized. All of these insurances are preferable as all of them are suitable in different situations. All of these insurance categories are listed below: Third party only cover: This category has the simplest form of insurances and are meant for those people who want to be on a safer side and also don’t want to pay high premiums. In these types of policies one gets the cover in which he gets the facility that if unfortunately he met with an accident then he needs not to panic as the damage of the other car and the injury of the people in that car will be covered by the insurance company only.
The only harm in this policy is that the policyholder can not claim for the damage of an insured car and this is the reason this policy is not recommended to those who have expensive cars.
Third party fire and theft: This is the other category in which there are policies which are advised to the people who have middle segment cars as through the insurances in this category they can avail all the benefits of the third party only cover and along with that they can avail some additional benefits which are fruitful to the policy holder directly. The additional benefit in this policy is that if the car gets damaged due to the fire or get stolen then the owner will get the claim for sure. In other words the owner will get the claim only if he (or any other driver) is not responsible for the damage of the car.
via Insurance :: Car Insurances for Teenagers | ArticleBiz.com.
Insurance: 21 Auto Insurance Claims FAQs | ArticleBiz.com
November 29, 2010 | Author admin
Following are 21 auto insurance claims FAQ’s:
1. What is an auto insurance claim? Claim by made a policyholder to his auto insurance company in case of an accident or any other damage to his car.
2. When I can make an auto insurance claim? You can make an auto insurance claim within a specific period of time after you car has been wrecked in an accident or by other genuine means.
3. When will I have to pay for deductibles? You will have to pay for the deductibles if your accident is under the comprehensive or collision coverage.
4. Will the company cover cracks in the windshield? In case the cracks have resulted from colliding with any other object, vandalism, theft, storm, etc: yes.
5. How long will it take to get a respond from the auto insurance of a claim made? That depends on the efficiency of the company and sufficiency of your documentation.
6. What is a third party claim? If the at fault party has liability insurance; your filing a claim with their insurance company is the third party claim.
7. Can I make a claim if drunk? You will not be covered and also be fined for driving under influence.
8. What If I am involved in a fraud scam claim? Report immediately to the police and your auto insurance company.
9. Can I make a claim if a friend was behind my wheels during an accident? The claim settler from the company will decide who will be held responsible.
10. What if someone makes a false claim? Report immediately to the police and the auto insurance company.
11. What do I need in order to make a claim? You need to organize specific documentation to prove the genuineness of your case.
12. How do I realize which coverage supports my claim? You can either receive help from your auto insurance company’s representative or go through your policy in detail to see which coverages protect your claim.
13. Will making claims affect premiums? Claim making will increase premiums.
14. Will making claims cancel my policy? Cancellation of policy usually happens to only high risks drivers and frauds.
15. When is one given SR-22 forms? When a high risk driver consistently violates rules, then he is given them.
16. Does auto insurance pay wholly for claims? In case of comprehensive and collision coverages, deductibles apply.
17. What should I include in my claim statement? Include all the documentation that shows that your case is genuine along with the police report.
18. How can I make my claim stronger? By taking testimonials from those present in the scene and adding snapshots of the accident.
19. What happens if I am caught during a false claim? Your policy will be cancelled and driving rights seized.
20. If my policy is cancelled due to high risk driving, can I make claims through any other auto insurance company? Yes; through acceptance auto insurance.
21. When should I not apply for a claim? If the damage caused to your vehicle is lesser than the deductible. These 21 auto insurance claims questions will help you towards understanding the claim making process.
via Insurance :: 21 Auto Insurance Claims FAQs | ArticleBiz.com.
