Car Accident – Any tips on Insurance would help?

My husband was waiting in a line of traffic while another car turned off the road and was rear ended by a pick-up going about 50mph, he was hit from the rear and then my husband hit the car in front and so on. Here’s the problem… We are in our 60s and have a very tight budget. That car – a 2003 Honda SUV was suppose to last us another 10 years. It only had 40,000 miles on it and was in perfect condition. Not a scratch (I always park away from the crowd). So, the insurance co. has said they would give us $15,000 for the tottaled car, but the new SUVs cost over $20,000. Never having an accident before, we thought that our insurance would pay the value of the car and the car at faults insurance company would pay the difference for a new car. Found out that is not the way it works. So, we have been paying the insurance company for car insurance for about 40 years without any claims and now when we need them we find that they will not replace the car. Is this right?

Yes.
Insurance only has to pay for the cost to repair the car, or the actual cash value (whichever is lower). If the car was a 2003 and was totalled (meaning the ACV is lower than the repairs), then that is all they have to pay.
You should see how much it would cost to fix, it may be only slightly higher than the amount they paid you (unless the car is really totalled beyond fixing).
Otherwise, unfortunately, this is the way that it is. They are paying you for what is a close estimate to what it would cost to replace a 2003 Honda SUV.
You could try to pursue his insurance company for the extra money (some people will tell you to hire a lawyer and do this), but it won’t work. The laws are straightforward on the totalling of a vehicle and the right of the insurance company to do this.
Sorry, I can’t give you a secret way around it, but what they are doing is the way that the laws are.

A great article on Car Insurance Tips

Car Insurance Tips and Tricks

Did you get taught at school about liability, collision and comprehensive cover? What about deductibles and all the tips on how to get the cheapest car insurance? Chances are you didn’t, but if you’re one of the majority of individuals that drives a car, you’ve either learnt fast, took whatever insurance your relatives or friends suggested or you’re going to learn the hard way one day. Take the guess work out of choosing car insurance and read up so you can make an informed choice.

Many drivers pay more on their rates for a low deductible, and yet they take the minimum liability coverage. You could probably afford that $500 deductible if you had an accident, but could you afford being sued for $400,000 in damages? Spend your car insurance budget sensibly to cover yourself and your assets. Consider raising your deductible and using the savings to increase your liability protection. If you’re worth more (you have a good job or you’re studying for one) or you have significant assets obviously you’ve got more to protection than someone who doesn’t. If you do have a lot of assets an umbrella policy may be worth considering to make sure all your assets are covered.

Check your health insurance policy, if medical bills after an accident are covered you can cut personal injury protection off your car insurance policy.

Maintain a good credit rating, many companies use it to decide how much to charge you and even whether to cover you at all.

If you don’t have an extra car make sure your insurance company will pay for a rental car if you have an accident. The expense of renting a car for a week while your car is being repaired could be a lot of.

Shop around for quotes, a great place to start is a comparison website. Compare quotes from several different companies and read the policies to see how they compare. If you do switch policies make sure you notify your previous insurance company immediately and make sure there is no gap in your cover before your new one kicks in.

Car insurance can be costly, fortunately there are significant discounts that you can qualify for. Maintaining a good driving record is the best way to get your premiums down. Other discounts available include; low-mileage, safety features, multi-policy, senior, taking a defensive driving course and paying annually. Take advantage of all the discounts you can to get the cheapest rate.

Teenagers can add significantly to your car insurance rates. Consider having your teenager drive the family’s cheapest car and exclude them from other policies. Don’t forget if your teen moves out to take them off the policy. Just make sure you don’t lend them the car when they come to visit! If you still want your teenager on the policy, find out if your insurer will give you a discount when they’re away at school.

If your car has seen better days, and it’s not worth much, think about dropping collision coverage. The cost of your collision coverage might not be worth it when your insurance company will only pay out your vehicles worth.

Make sure you understand what will happen if you have an accident and what choices you have. Will your insurer pay for original or only generic parts to repair your car after an accident? Can you select your own mechanic or body shop if you have an accident? Read through your policy and make sure you’re happy with it.

Make calling your insurance company your number one priority after an accident. Many insurers have a time limit, generally around 48 hours for making a claim.

If you are unfortunate enough to need to make a claim, get a copy of the accident report, save all your receipts and make sure you record all the details of who you speak to. Make sure you include everything in your loss estimate. You may be entitled to claim sales tax and registration fees if your car has been totaled.

Put a bit of effort into getting your claim processed to speed up the process. Shop around for some estimates and follow up your insurance company regularly to check on progress.

Work with your adjuster to get the best outcome. If you disagree with the amount offered, get the adjusters reasons in writing. If you don’t get a satisfactory answer keep your cool and find out what your options are. Speak to the manager of the claims department and request that your case to be reviewed, consider filing a complaint with the state insurance department.

About the Author

To find out more about comprehensive car insurance and tips on saving money visit http://www.iblogcarinsurance.com, your number one source for car insurance information.

Check Out This Car Insurance Tips YouTube Video

How To Get Cheaper Car Insurance Tips, Lower Car Insurance Rates

Car Insurance Tips

Car Insurance Tips is a post from: 51568

I need a detail guide to buy Auto Insurance?

A guide that has details of what kind of coverage and how much of the amount that I should include according to the car that I have etc etc. Thanks

Most of your car insurance cost will be for the part that protects you, not the car. And how much of that to buy depends on you, your assets, and your risk tolerance.

I find blogs to be a great resource for this type of thing. I ran across a great series of articles on buying car insurance and I’ve linked to it below.

Best of luck!

A great article on Auto Insurance Guide

Auto insurance news guide

Auto insurance is another name for security of your vehicle. As the name suggests auto insurance is all about insuring one’s vehicle against all kinds of threats for instance theft, accident and other related dangers. The basic types of auto insurance coverage are -

1. Bodily injury liability, which provides coverage for bodily injury claims from the people who might get injured in an accident with your vehicle.

2. Property damage liability covers any property damages to third parties such as another person’s car you damaged or are responsible for.

3. Medical expenses to the policy owner and other passengers in the policy owner’s car.

4. Uninsured and underinsured motorist coverage saves the negligent driver with or without insufficient insurance. In most states, this covers only bodily injury losses while in other cases property damage losses are also included. However it is quite important for everyone to get this coverage because it protects us from all expected as well as uninvited problems. For instance at some places an uninsured motorist caught driving with a suspended license in a car with a revoked registration goes to jail.

5. Physical damage stands for damage to your car that can be through accident or any other means such as collision, storm etc. In this the collision coverage pays for the physical damage caused to a person’s vehicle through collision.

However prior to purchasing an auto insurance policy there are quite a few things, which should be borne in mind. For instance- shop for the best policy available, always ask for high deductibles, check the insurance of the car or any other vehicle prior to purchasing it, coverage of the car varies with its worth, the profile of the company through which you will buy the insurance and last but not the least go with a low cost auto insurance for instance at places such as Santa Clara, San Marino Mateo and Alameda counties low cost auto insurance has arrived at premium rate of $322 and $355 respectively.

Whereas the auto insurance rates are concerned the American Farm Bureau suggests that the insurance rates for a driver should be based on the risk of that the driver should be based on the risk that the driver confronts for having an accident or loss and since rural drivers in the rural areas are less prone to risks, they should not be asked to pay more for their auto insurance.

In California there is a debate over the auto insurance policy rates. While on the one hand due to the rules offered by California Department of Insurance the rates of auto insurance are expected to touch the sky, on the other hand the California Farm Bureau strongly opposes it and claims that the new rates presses rural residents to shell out more money in order to subsidize the cost for urban residents.

However nowadays auto insurance companies are troubled with excess of crime or fraud in this area. Lately in North Carolina thirteen people were arrested accused of staging motorcycle wrecks to collect insurance money. Many such cases are reported in other parts of the world. As a result the government of different countries is looking for ways and means to combat the crime situation.

About the Author

Mansi gupta recommends that you visit http://www.autoinsurancelowdown.com/news/index.html for more information on Auto insurance.

Check Out This Auto Insurance Guide YouTube Video

Beginners Guide to Auto Insurance Quotes Online

Auto Insurance Guide

Auto Insurance Guide is a post from: 51568

How can I get my auto insurance to pay for medical treatment two years after accident?

I was treated right after the accident for whiplash. It’s in my medical records but then was unable to go to treatment for some time because of other problems but injury got worse now the chiropractor won’t work on me because he says the insurance company won’t usually pay after this time loss. Also the auto insurance company won’t preauthorize treatment and I can’t afford the $30 a visit co-pay required for using my health insurance. I’m on Social Security.

I doubt you can since you refused treatment at the time of the injury.

It could easily be argued that your present situation is your choice, caused by you refusing to receive treatment when it was initially made, not the accident itself.

A great article on Auto Insurance After Accident

The 411 on Accident Forgiveness and Your Auto Insurance

What would you say if someone came along and told you that the very first time you get into an accident, even if you’ve had a flawless driving record for 60 years, you were going to watch your auto insurance rates climb 40%-possibly higher? You’d probably say it stinks, followed a quick and firm litany of the reasons that it just ain’t fair. Guess what? You’d be right-and somebody in the auto insurance industry finally figured it out.

Welcome to the wide, wonderful world of accident forgiveness. A privilege reserved exclusively for those whose clean driving records have put them in a position to be given the benefit of the doubt after they’ve been in an accident. With accident forgive3ness auto insurance companies look at your driving history, see that you’ve been the insurance agent’s best friend and agree to let the accident slide-this time.

Before you start to rejoice, however, there are a couple of things about accident forgiveness you really, really need to know:

1) First and foremost, not all insurance carriers consider accident forgiveness to be a part of their standard policy package. Some of them may ask that you pay a little extra each month to make sure you’re covered-just in case.

2) Even if you are covered, there’s no guarantee that your accident will be forgiven completely. Every company has its own policies, and they may use the extent of the damage cause by the accident to help them determine whether they want to leave your auto insurance rates untouched or if they’re going to raise them-by considerably LESS than 40%! (2-10% is about normal in these cases.)

3) Forgiven doesn’t mean forgotten. Your auto insurance company can only control what goes on inside their own hallowed halls. The accident is still going to be on your driving record, and the negative points that accident is going to cause is still going to have an extremely detrimental effect on your auto insurance rates if you decide to switch companies-even more incentive to love the one you’re with!

4) Accident forgiveness usually depends entirely on whether or not you qualify for a five year good driver discount. They’re willing to give you a second chance, but most auto insurance companies draw the line at three or four.

5) If you have a teenage driver in the house you may find that your auto insurance company is willing to extend your accident forgiveness credit to them, since you share a policy and any increases in your auto insurance rates are going to affect all of you.

Accident forgiveness can be the answer to your prayers when it comes to keeping your auto insurance rates from plunging you deep into debt. That 40% can really hurt when it gets right down to it! If you don’t know if you qualify for accident forgiveness or not but are fairly certain you don’t have any black marks on your driving record at the moment, feel free to pick up the phone and give your insurance agent a call. Remember, you’ve got nothing to lose-and everything to gain.

About the Author

Mike McDonough is a National Account Representative for QuoteScout.com. For more information on
accident forgiveness and your auto insurance
, visit them on the web at http://www.QuoteScout.com.

Check Out This Auto Insurance After Accident YouTube Video

Auto Accident – Car Crash Auto Insurance Quote Insuranceauto Rates Autoinsurance Rate Compare Car Insurance Acidente Seguros Carro Coche Troca

Auto Insurance After Accident

Auto Insurance After Accident is a post from: 51568

When you rent a car, you have to have full coverage on the care that you own (your personal vehicle) and then that will automatically carry over to the rental. If you do not have full coverage you can add it to your existing policy for the amount of time you’ll be renting the car OR just buy the insurance from the rental place. And to answer your other question, no your policy will not cover somebody else’s car just because you’re driving it. Insurance covers vehicles, NOT people, even if you were in an at fault accident, your friend/relative’s insurance would have to cover that loss.

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How Texas Auto insurance works

Auto insurance rules differ from one state to another. These rules lay down specific guidelines with respect to types of coverage to be included in the insurance policy as well as the minimum amount that one should allocate under each coverage head.

The follwing is a brief outline of just how auto insurance works in Texas. Texas is a ‘tort state’ which means that you are responsible for the injuries you cause as a result of an accident. Therefore you have to have a proof of how you are going to pay up should you be involved in an accident. This obviously means that you have to have an auto insurance which has more than the minimum coverage. Hence minimum liability insurance is a must in Texas. The liability cover has to be a minimum of $20,000 per individual for bodily injuries that you cause to the other persons(s) and up to $40,000 for all. Apart from that, you have to be adequately covered to enable you to pay $15,000 for damage you cause to the other party’s personal property in the accident.

The Texas Personal Automobile Policy regulations offer eight types of coverage. By law you are required to have basic liability coverage. The other seven types are optional. If you are leasing or financing a new car however, dealers may require that you have collision and comprehensive coverage as well.

Penalties for violating the states’ financial responsibility laws are severe. A fine of $175 and $350 may have to be paid by the first time offender. For subsequent convictions $350 to $1,000 could be charged. Apart from this, the driver’s driving license can be suspended or, worse still, the automobile can be impounded by the authorities. To avoid this one has to carry the proof-of-insurance card at all times and produce for scrutiny on demand by law enforcement officer. This card is sent to the insurance policy holder after he purchases an automobile insurance.

Texas auto insurance law requires that rates for insurance offered in the state be reasonable but adequate. At the same time they should not be excessive to the risks for which they apply, and definitely not unfairly discriminatory. The law also allows the insurance companies to give discounts to people with lower risk and freedom to charge a higher premium for high risk individuals. Following are some of the reasons which can cause your insurance premium to go up or come down.

Age and marital status: Lower age and ‘unmarried’ marital status can attract a higher premium as they are considered more risky drivers.

Driver’s driving record: No accidents or tickets in the past can avoid a penalty which is generally in the form of a surcharge.

Urban vs. Rural: If your car is kept in an area classified as rural you are likely to pay a lesser premium compared to when you keep it in an urban surrounding. This is because in the former case, the automobile is less prone to theft.

Make of your car: Flashy, expensive cars are more theft prone compared to their lower end counterparts and hence may translate into higher premium for its owner.

About the Author

Jill Quinn recommends that you visit http://www.cheap-autoinsurance.com/texas-auto-insurance.htm for more information on Texas auto insurance.

Check Out This Auto Insurance Cards YouTube Video

Rodney D. Young Auto Insurance Commercial – Card Game

Auto Insurance Cards

Auto Insurance Cards is a post from: 51568

integra dc2 import works out cheaper or not?

i am thinking of getting a 1998 integra DC2 type -r imported from japan,
the price is USD 8,667, which is 12,500 australian, plus shipping which is 1,400. altogether 14000. to buy it from australia, the model dc2 integra type r are around 20,000. is it possible that it is that cheap or is there something else to importing? i live in sydney australia aswell. the cars on there have only done around 70,000 kms which isnt to bad.

Heres the thing, I live in the US an was debating on the same thing. I started to look here for prices on an ek9 ctr, and found out that I would need to register it afterwards, have it detuned, pay cerain fees as well on my side towards our government fee and so on. so sometimes it almost worth just spending the extra $ to have the head ache taken care of, unless you have lots of money an time to spend on this. But then again im not sure how your emission restritions are?

A great article on Car Sales Australia Sydney

TRAVELLERS AUTO BARN: THE ULTIMATE “GET AWAY CAR”

Travellers Auto Barn, two time winner and current holder of the Golden Backpacks “Best National Transport Company” have teamed up with two of the countries hottest backpacker venues and are putting up a “GET AWAY CAR” to be won by lucky travellers.

From August 2009 Travellers Auto Barn, The GAFF (Sydney) and Rhino Bar (Cairns) will be providing the perfect escape vehicle for backpackers – a classic Aussie station wagon.

Every two months a winner will be chosen and given 6 weeks to travel along the East Coast. Winners will have 6 weeks to drive from Sydney to Cairns or Cairns to Sydney. The Sydney give-away will be presented by THE GAFF, which was voted being the best backpacker bar in NSW in 2008. The Rhino Bar, well known for its outrageous themed nights, will choose the winner in Cairns.

Travellers Auto Barn the campervan rental & campervan sales specialist, are providing the classic stationwagon for 12 months. Winners will be picking up & returning their vehicles at the Sydney & Cairns branches of Travellers Auto Barn.

Travellers Autobarn Managing Director, Peter Burke says: “This is a fantastic experience for any backpacker – to travel along the East Coast in the classic Australian station wagon, FOR FREE! What a way to travel. The South East Coast offers great destinations; classics like Byron Bay and Brisbane or chilling in Noosa & Frasier Island. There are also the undiscovered gems like Yamba, Woolgoolga and a few others I’m keeping just for myself! Heading north you’ve got well know party spots like Airlie beach & the awesome Whitsundays Islands – who wouldn’t want to be part of this great adventure. And of course on each end you have Sydney and Cairns – what more can I say?!!

Both backpacker bars will come up with different ideas every two month on how to give the car away – so if you are in the area pop-in and ask how you can get your hands on this cracking prize.

Travellers Auto Barn marketing adds the following:” This is also a great way to show people what they can experience in their own campervan or stationwagon. We will use this opportunity and promote this amazing trip with pictures of the winners during their trip and engage them by writing about their adventures on our blog & facebook page. Everyone wins!!!”.

To find out more visit our campervan hire website or contact us directly on 1800 674 374 or +61 2 8323 1505.

Travellers Auto Barn is a ‘one stop shop’ for backpacker and budget traveller planning their own trip around Australia. Travellers Auto Barn offers a range of campervans, cars & stationwagons for hire as well as sales (including 4WDs) from 6 Australian wide locations: Sydney, Brisbane, Cairns, Darwin, Perth & Melbourne.

18 August 2009

About the Author

Media Enquiries:

Bastian Graf

Marketing Manager

bg@travellers-autobarn.com.au

02 8323 1505

Check Out This Car Sales Australia Sydney YouTube Video

1979 Trans Am 4 Speed Show Car For Sale!

Car Sales Australia Sydney

Car Sales Australia Sydney is a post from: 51568

Auto accident laws in Texas?

I was in a car accident today. It was the other driver’s fault because he admitted to the police that he didn’t see the red light and passed it. I have full coverage insurance on my car but of course he doesn’t have insurance at all! I have a fairly new car (2006) and he had something like from the 80’s. Now my car is almost total’d not to mention me being bruised and cut up from the impact and airbags deploying, and his car is only wrecked on the side and still driveable. Before I know it he talks to the cop & drives off with a couple tickets. Isn’t there some kind of law that he should have got arrested since he didn”t have insurance and caused the accident?

No. Sounds like the other driver got a ticket for no insurance and probably for running the red light. Its just like speeding. They are all class C violations. You don’t get arrested for the traffic violations…even if you did cause a crash and don’t have insurance. Now if you don’t have unisured motorist coverage then you are going to have to sue the guy to get your stuff fixed and to pay for any medical bills.

A great article on Auto Insurance Texas Laws

Auto Insurance – Texas

Texas law requires all drivers to carry at least liability coverage. However there are many other types of auto insurance. Texas insurance companies generally provide these major types of coverages for you to choose from.

Medical Payments Coverage

This type of insurance pays medical and funeral bills arising from accidents, including those in which the victim was a pedestrian or a bicyclist. It covers you, your family members and all passengers in your car regardless of who caused the accident. Because many drivers still do not have insurance, it is a good idea to add this coverage to your auto insurance. Texas law requires all drivers to carry insurance, but it is not something you want to count on if you or someone you love gets hurt.

Personal Injury Protection (PIP) Coverage

This type of insurance is the same as medical payments, but offers the additional coverage of 80% of lost income and the cost of hiring a caregiver for an injured person. It is a valuable addition to your auto insurance. Texas law, in fact, requires insurance companies to offer $2,500 in PIP to you, and that you reject it in writing if you choose not to add it to your policy.

Uninsured/Underinsured Motorist (UM/UIM) Coverage

This type of coverage explictly covers expenses from an accident caused by an uninsured driver, or if the driver did not have enough insurance to cover your bills. This type of coverage also pays for damages arising from a hit and run accident if you promptly report it to the police. Auto insurance in Texas is mandatory, but this type of coverage is a good idea to protect yourself against those who do not follow the law.

There are two types of UM/UIM coverage: bodily injury and property damage. Bodily injury coverage pays for medical bills, lost wages, pain and suffering, disfigurement, and permanent or partial disability. Property damage coverage pays for auto repairs, rental car fees, as well as damage to items in your car. Insurance companies must offer UM/UIM in addition to your auto insurance. Texas law requires that you reject, in writing, if you choose to waive this protection.

Collision (Damage to Your Car) Coverage

This type of coverage pays the cost of repairing or replacing your car after an accident, regardless of who was driving or who was at fault. Payment is limited to your auto’s actual cash value, minus your deductible. Actual cash value is the market value of a car like yours before it was damaged.

Comprehensive (Physical Damage Other than Collision) Coverage

This type of coverage pays the cost of replacing or repairing your car if it is stolen or damaged by fire, vandalism, hail, or another cause other than collision. Comprehensive coverage also pays for a rental car or other temporary transportation if your car is stolen. Your policy won’t pay for an auto theft unless you report it to the police. Payment is limited to your car’s actual cash value, minus your deductible.

Towing and Labor Coverage

This pays the towing charges when your car cannot be driven, as well as labor charges, such as the cost of changing a tire, at the place where your car broke down.

Rental Reimbursement Coverage

This type of coverage pays a set daily amount for a rental car if your car is stolen or is being repaired because of damage covered by your policy.

Clearly auto insurance in Texas can be much more extensive than a simple liability policy, and provide much greater protection and peace of mind.

About the Author

For more information about Auto Insurance in Texas visit
http://www.texas-auto-home-insurance.com/auto-insurance-texas.htm
and
http://www.texas-auto-home-insurance.com

Check Out This Auto Insurance Texas Laws YouTube Video

Barbara Anthony On Auto Insurance Law Changes

Auto Insurance Texas Laws

Auto Insurance Texas Laws is a post from: 51568

Can anyone help me out on this crossword puzzle about auto Insurance it doesnt make since to me?

Across
1. Health and auto (16 Letters long)
3. Not just one vehicle (11 Letters long)
4. Men may have higher rates (6 Letters Long)
5. An additional ______ may raise the premium (16 Letters long)
8 2003 BMW vs. 1982 Mazda (13 Letters Long)
12. Course to learn how to use an auto(14 Letters long)
13. Devices to discourage vandalism(16 Letters long)

If you have letters, try this:

http://www.whatsthisword.com

A great article on Auto Insurance Crossword

Twentynine Palms Personal Injury Lawyer’s Top Ten Things People Do in Their Car That Cause Personal Injury Car Accidents

1) Look at pedestrians.

2) Fail to watch the road.

3) Fail to yield to bicyclists.

4) Look for beach bunnies.

5) Look for snow bunnies.

6) Play video games

7) Read the want ads.

Crossword puzzles.

9) Personal grooming.

10) Dog grooming.

Here are ten more useful tips of advice from a personal injury lawyer to follow if you have been in an accident. You can also learn more about how to handle a personal injury in Twentynine Palms, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com  and learning how we can assist you.

Obviously, if you have had an accident, and you are reading all of this advice, it’s probably been at least a few days since the accident. However, if it’s only been a few hours or if you ever have another accident, here’s what you should do the next time from the start.

First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.

Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.

Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.

Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.

Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.

Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.

Seventh, call a good personal injury lawyer as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good personal injury lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good personal injury lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most personal injury attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.

Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.

Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.

Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.

If you’ve had a personal injury in Twentynine Palms, Palm Springs, Palm Desert, Indio, Coachella, Rancho Mirage, La Quinta, Indian Wells, Cathedral City, Desert Hot Springs, Thermal, Yucca Valley, Joshua Tree, or anywhere in Southern California, we have the knowledge and resources to be your Twentynine Palms Personal Injury Lawyer and your Yucca Valley Personal Injury Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.

If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com  and learn how we can assist you.

About the Author

The Sebastian Gibson Law Firm serves auto, motorcycle and truck accident victims in Twentynine Palms, Palm Springs, Palm Desert, Indio, Coachella, Rancho Mirage, La Quinta, Indian Wells, Cathedral City, Desert Hot Springs, Thermal, Yucca Valley, and Joshua Tree. We also serve bicycle, pedestrian and car accident clients from San Diego to Orange County, Long Beach and Santa Monica, from Newport Beach to Anaheim Hills, Santa Barbara, Ventura, Oxnard and San Luis Obispo, Ontario and Rancho Cucamonga, from Palmdale to Victorville and Hesperia, and all of Southern California.

Visit our website at http://www.sebastiangibsonlaw.com if you have a personal injury legal matter of any kind. We have the knowledge and resources to represent you as your Twentynine Palms Personal Injury Lawyer and Yucca Valley Personal Injury Attorney or your attorney in and around the cities of Corona del Mar, Laguna Beach, Huntington Beach, Irvine, Anaheim, Santa Ana, Carlsbad, Oceanside, La Jolla, Del Mar and Escondido. We also serve Orange, Fullerton, Costa Mesa, Corona, Temecula, Murrieta, Westminster, Buena Park, Mission Viejo, Garden Grove, Riverside, San Bernardino, Moreno Valley, Fontana, Chula Vista, El Cajon, Vista, San Marcos, Solana Beach, Encinitas, Laguna Niguel, Chino Hills, San Clemente, Pacific Beach, Newport Coast, Coachella Valley, Imperial Valley, and all of Riverside County.

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James Burke : Connections, Episode 1, “The Trigger Effect”, 1 of 5 (CC)

Auto Insurance Crossword

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will my car insurance pay to fix the damage that i caused accidentally?

i am no the insured on the car i live in mass, my dad owns it ,,,i was at market masket shopping and when i left to drive aay i forgot there was a cement median divider in front o me couldtnt see it from the inside of the car it was about1 foot tall however i went striahgt hit it and turned a inch right and destroyed my rocker panel on the drivers side and in turn it smashed in the bottom of the car door cant open it at all i have full coverage on my auto insurance will they pay for it,,i will have to pay the 500$deductable….

As long as your dads car has collision coverage on it then it will be covered. Either you or your father will have to pay the $500 deductible to the repair shop.

Your own policy will not cover damages to your fathers car either under collision or liability.

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Texas Auto Insurance For Seniors

Today’s Texas auto insurance market does not seem to have senior drivers in mind when it comes to lower rates. Even when actual car use has diminished, some mature drivers find themselves paying higher premiums. The problem is not that Texas insurers are attempting to push senior drivers into a position of unaffordable auto insurance. The reality is simply that changes in pricing structure have made it more difficult for individual seniors to understand all of the factors that may apply to rate reduction. Consequently, senior drivers are often unaware of the specific ways in which their auto insurance rates may be lowered.

Senior drivers looking to lower their premiums on auto insurance should review their policies taking the following considerations into mind.

* Driver classification – Commonly described as automobile usage, a driver classification specifically defines the type and amount the auto will be used by the insured senior driver. Types of usage include “to and from work” or “pleasure only.” A senior’s driver classification may also take into account the decreases in mileage annually. Some seniors use their vehicle only on special occasion, which could result in further rate decreases. A senior looking for lower auto insurance rates should make sure the carrier is aware of the actual vehicle usage, and that this factor is being taken into account in the rate calculations.

* Drivers history – Auto insurance carriers in Texas use these three major indicators in underwriting policies and determining rates. It is recommended that all Senior drivers make their driver’s history as “clean” as possible. One should contest all moving violations when possible, and cover others with defensive driving courses.

* Claims history – A Senior’s claims history carries significant weight as well. The Texas Department of Insurance requires carriers to record all claims reported to them by the insured. With this in mind, it is important to understand that when contacting an insurance representative, one should specify whenever the call is for information only. Otherwise, it may be recorded a filed claim, thereby affecting your claims history and possibly rates.

* Financial score – Senior drivers should do whatever they can to improve their financial score when looking for low auto insurance rates. Stability and debt ratio are major factors that carriers take into account when underwriting a Senior’s policy. Seniors that have reduced their financial obligations should make sure their financial scores reflect this, and alert their insurance agents whenever such information has changed.

As with all types of insurance, seniors should feel that their carrier’s representative is willing and able to take the time needed to discuss and adjust the auto insurance policy to their clients benefit. George White understand the importance many seniors place upon the ability to contact a human being that can give them the personal time and attention they need to feel confident and secure about the auto insurance policy they receive. For this reason, George White will make sure to speak with you on an individual basis about your policy, and how lower rates may be attained. If he cannot offer you the lowest possible rate or the best policy appropriate to your situation, he will refer you to someone who can!

Give George White a call today toll free at 866-663-5262 to learn more about how you can lower your auto insurance rates by getting the type of coverage that is right for you!

About the Author

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Auto Insurance Discounts you might not know, reductions are significant.

Auto Insurance Market

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8 Must-haves for the Independant Claims Adjuster

Making a responsible decision to become an insurance adjuster, particularly an independent insurance adjuster, means knowing what equipment, gear, or “stuff” an adjuster should have in the field. Because independent insurance adjusters operate as independent contractors, they are frequently required to supply their own adjusting equipment. In general, there are 8 things that every independent adjuster should plan to have in the field. These items are not merely luxuries, but more like necessities, without which the job becomes difficult if not altogether impossible.

In Part I of this article, we will look at the first four:

Must-Have #1: A Vehicle.

This is a bit of a no-brainer. The real question is what kind of vehicle an independent adjuster should drive. Some folks are under the impression that a claim cannot be properly handled unless you first arrive in an F-350 Turbo Diesel Dually. Certainly there are benefits to having a powerful truck in the field but in this author’s opinion the better vehicle alternative is probably a smaller gas-efficient car. With foldable and telescoping ladders available everywhere, you can stow your ladder away neatly in any average-size sedan or coupe’s trunk. Independent adjusters might drive a hundred or more miles daily so the issue of fuel economy should not be taken lightly. Further, negotiating your way through a heavily-trafficked street in Miami or New Orleans is far easier in a nimble Accord than in a blocky Hummer. And finally, in some areas, adjusters may just as soon not draw attention to themselves. Pulling into a high crime neighborhood in a $50,000 automobile wouldn’t make me feel altogether easy. For my money, I’d prefer to just pass under the radar in an ‘01 Camry. Obviously the question is finally resolved by what kind of vehicle you are comfortable with. But keep in mind that the job can be done just as efficiently in a small coupe as a full-sized pickup.

Must-Have #2: Navigation Device

A good GPS system might be the single best investment an independent adjuster can make. Independent adjusters, especially when working catastrophic claims, might scope four to six properties in a day. These properties may be spread out over a surprisingly wide geographical area. Using a traditional paper map is laughable when compared to the amazing speed and accuracy of a dash mounted GPS system. In fact, I would estimate a GPS system saves an adjuster at least of an hour a day in missed turns and forced stops to consult the Rand McNally. Project this over a month and you have a good 30 hours, or over an entire day, of time saved. That’s an extra four or five claims closed per month. In some cases I would estimate that a GPS system can increase an adjuster’s efficiency by as many as 10 claims per month. Cat adjusters are paid per claim, so that’s an extra $2,000 to $5,000 in pocket per month. And finally, the frustration alone that a GPS prevents is worth the price tag.

A dash mounted GPS is a good option. Most models have more features than you will ever use so keep it basic and don’t bother with anything over $700. A far lower priced option and one that is still absolutely packed with features is a program like Microsoft Streets and Trips. This $100 program is meant to be installed on your laptop and comes with a GPS device that connects to your computer via a standard USB plug-in. Streets and Trips allows you to take 10 destinations, find your current location, and calculate the quickest way to visit all 10. This is an excellent feature when planning your day’s claim route.

Must-Have #3: Laptop Computer

The days of hand-writing claims are essentially over. Electronic preparation and delivery of estimates is now standard and a laptop computer is the technology for the task. Xactimate and MSB IntegriClaim are the most commonly employed estimating programs and have minimum system requirements. Count on having a laptop with at least a 1 GHz processor, 512 MB of RAM, 1.5 Gig of free hard drive space available, and a monitor resolution of 1024X768 or higher. With that in mind, don’t let unconscientious salesmen or websites push heavy graphic packages or upgraded sound cards if you are buying a new laptop. You want to write estimates with this computer – not play Halo on a network in a college dorm.

Some adjusters have recently begun using tablet laptops (laptops with touch screens that swivel and fold down on themselves). In theory an adjuster could take such a laptop on a residential or commercial claim, hold it like a clipboard, and write the majority off the estimate in electronic form at the property. As usual, however, the technology for tablets is slightly behind the conceptual and promotional curve. I’d recommend waiting a few more years for the workability of the technology to catch up with the concept (which is a good one).

Must-Have #4: A Good Ladder

Roof damage due to hail and high winds results in tens of thousands of claims yearly and property adjusters should be prepared to spend some time on roofs. A good ladder is your connection to the roof. Most accidents befalling claims adjusters involve ladders and the interchange between ladder and roof. Having a stable ladder should help give an adjuster peace of mind.

There are three types of ladders in common usage. Foldable ladders are an excellent option for adjusters. They come in a variety of models all of which will generally break down to around 5ft in their folded state. This is small enough to fit into virtually any trunk unless your adjusting vehicle of choice is a Miata. Wood models are even becoming available in fold-up form and are a better option than aluminum when working in areas where encounters with power lines may be of concern. Another highly compact ladder is the telescoping ladder. Telescoping ladders are generally the most compact ladder on the market today. The primary drawback, and it is a big one, is that a step will occasionally disappear when sufficient weight or the wrong directional force sends a rung of the ladder zipping into the one below it. This can have disastrous results. If you are going for compact, I’d recommend the foldable variety. Traditional ladders are generally quite stable and secure but can’t match the versatility of the foldable ladder.

Must-Have #5: Digital Camera

A claims adjuster must represent as accurately as possible the damages or lack thereof to the claimant’s property – literally painting a picture whereby file reviewers can asses the situation remotely. Sketching and watercolors aside, you need a camera and if you want to close claims quickly it had better be digital. Some claims with multiple types of damages can require hundreds of photos and scanning in that kind of number manually would be a nightmare. Digital cameras are quick, efficient, and built for the electronic estimate delivery. Don’t bother with an SLR or, for that matter, anything costing you more than $300. You want something smallish, somewhat light, and preferably having a good return policy. In the process of doing a scope, particularly while scaling ladders and maneuvering about roofs, it is extremely easy to drop your camera – sometimes several stories down. A good return policy ensures that your purchase is safe. Regarding mega-pixels – anything above 7 or 8 mega-pixels is probably overkill. Do remember that digital cameras require an inordinate amount of batteries so be sure to always have at least three spare sets before going out to scope claims.

Must-Have #6: Measuring Devices

There are two broad initial determinations made when assessing property damage: what is damaged and how much? Measuring devices tell you how much. A simple 25ft Tape Measure is your first tool. From there you should at least consider expanding your tool-kit to a laser tape measure. Imagine you are scoping a residence with interior damage to multiple rooms. The first room is quite large and filled with heavy clutter. Instead of trying to thread 18ft of tape out of your FatMax through sofa and electronic equipment in one direction and then another 22ft across a bar-set in the other direction, you simply click once in each direction and Presto!, you have your measurements. If you are measuring 5 or more rooms in one house you will probably shave 15 minutes off your scoping time. Over the course of a month, this time saved will result in more claims closed. Now some folks don’t trust the accuracy of the laser measurer and, in fact, some insurance carriers will not allow their adjusters to use them. From my experience they work exceptionally well but do check with your claims manager before parading your new Disto around the office. A rolling measure can also come in handy, especially for roofs where a traditional 25ft tape measure will seldom be sufficient to measure every length of the roof. Again, in some instances, the use of rolling measures is not allowed, so do check with your claims manager.

Must-Have #7: Tool-belt

In addition to your digital camera and various measuring devices, there are a few other items that are indispensable to a claims adjuster. This invites the logical question of “Where do I put all this stuff?”. The answer is a tool-belt. Standard contractor toolbelts will do but pale in comparison to the variety that are custom built for claims adjusters. Custom adjuster tool-belts are specifically engineered to carry the necessary tools of an adjuster. Imagine climbing your ladder with both hands while securely carrying with you a digital camera, tape measure, wheel measure, clipboard, chalk, pitch gauge, and shingle gauge. Standard tool-belts may or may not be able to do this but certainly cannot do so as securely and intelligently as custom made belts. Stay organized and stay safe with a good adjuster tool-belt.

Must-Have #8: The Adjuster Dress-Code

Adjusters are almost always expected to observe a dress code. The particular code may vary from company to company but in general you should expect to wear a sharp polo and khakis. Jeans won’t cut it and tee-shirts, unless distributed to you specifically for wear in the field, are too informal. You want a professional and competent appearance. Adjuster footwear is another consideration. As you will be spending time on roofs, think about obtaining shoes that have strong traction. Leave the penny loafers at home or you risk skating off a steeply pitched roof. Specially crafted boots called Cougar Paws, with felt-like material adhered to the bottoms, were developed with roof walking in mind. In any case, remember that an independent adjuster spends a good deal of time on his or her feet and comfort and traction are the name of the game.

Having the right gear is critical for an independent insurance adjuster because it allows them to not merely do their job but do it with maximum efficiency. And an efficient claims handler is an adjuster who will never go hungry.

About the Author

In addition to his blog “Well-Adjusted”, Mr. Kerr co-owns and operates AdjusterPro LLC, a rapidly growing business providing training and licensing to insurance adjusters. To find out more about how to become an insurance adjuster, contact AdjusterPro directly at (214) 606-8370.

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Car Laptop Mounting Kit

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A great article on Tesco Car Insurance Search

Relocating Householders advised to seek Home Insurance

Amid all the chaos of moving into your new property home insurance may be the last item on your mind to organise, but you are advised to get your recently-purchased house protected as soon as possible.

Global retailer Tesco recently released tips aimed at smoothing the transition from your previous property to your new one. Of prime importance is making sure you have insurance in place that can provide funds if your home is damaged in some way.

The company urges householders to seek appropriate buildings and contents cover so if you are the victim of floods or fire, for example, you can replace belongings and pay for repairs. In order to make sure you are adequately covered by your policy it is advised to have all the details of your new property to hand before seeking a quote. For instance insurers often need to know the make of your security devices and alarms to calculate your premiums and compiling details beforehand can save you time.

If your move is accompanied by new fixtures and fittings, it is worth letting your insurance company know you have purchased costly items as they can adjust your cover to protect them. In addition, do not forget to mention new electrical appliances that you have recently purchased as these will also help to make up the price of your premium and will ensure you can replace items following unforeseen events, including theft.

When searching for an affordable deal you may like to shop around and check out the policies offered by other companies to see which suits you and your new home best. Debra Williams, from Tesco, explained that finding the right policy to protect your home can help ease the strain of moving into a new property.

“There are many things you can do to take the stress out of moving and save yourself some money,” she said.

“Making sure you have the right home insurance in place for your new home can offer you peace of mind.”

As well as protection from devastating incidences like floods and storms, many policies can offer funds for smaller-scale events that also affect your property, such as oil leaks and spoiled food due to electrical failure.

You may also like to consider going with an insurer that offers Accidental Damage cover, which can protect your home and belongings from mishaps. A further option available from some companies is All Risks cover that provides payouts for items that are lost or damaged if they are taken overseas.

About the Author

Rochelle Martinez, Freelance Web Content Article Writer for three years. Some of her articles are about http://www.quinn-direct.com.

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Stunt bike. Do you dare ride a bike like this?

Tesco Car Insurance Search

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