Most people, once they have an auto insurance company, simply just let their current policy renew and renew without checking to see if maybe they can get a better deal somewhere else. If that describes you, maybe you would look into exploring your options if you knew how and painless it really is. This article will show you just how easy the process is.Shopping for a new auto insurance company:The easiest and quickest and as a result the most...more
Severe storms can cause enormous property damage to your home. They can also do the same thing to your car. With storms getting worse, what can you do? Take a look at your insurance policy. "Too often, people don't notice they lack certain types of coverage until they try to make a claim," says Ron Berry, senior vice president of the Council of Better Business Bureaus. In fact, the number of reported claims for vehicle losses due to severe storms...more
As the population continues to grow, more cars and drivers hit the highways. With so many vehicles on the road, crashes are inevitable. Automobile Insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy?Auto insurance is required by law in all states and protects you by paying for damage or injury you cause others while driving your car; damage to your car or injury to you or your passengers in your car from a crash; and certain other occurrences such as theft and vandalism. Without insurance, you risk having to pay the full cost of any harm you cause others with your vehicle.Coverage requirements vary by state, but usually include the following:Liability: It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended.Personal Injury Protection: This is required in many states. It pays you or your...more
I don't sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent broker. Many of my clients who have been seriously hurt in a car accident were...more
Does buying from the most expensive company mean you are buying the best coverage? Generally, a good deal is a state of mind. As long as you are happy, with the amount of coverage, you have and how much you paid for it, you got a good deal. For each person, the amount of coverage they need and what they can afford to spend is usually a different...more
Although these days it's pretty easy to arrange your car insurance online, comparing quotes at the click of a button and paying by credit card for instant cover, one ever present difficulty still remains: the high cost of insurance policies. The fact that having car insurance in place is both a legal requirement and a sensible idea doesn't detract from the annoyance of having to pay what seems to be an exorbitant sum, and most of us would jump at the chance of reducing the bill.To do this we need to know what factors insurance companies use when deciding how much our premiums will be.Perhaps the most important influence on the level of your premium is your own history as a driver. If you've a history of having accidents, then naturally you're a higher risk to the insurer and so they'll charge you more. Worse, if you've been convicted of a motoring offence such as speeding or driving while under the influence, then your insurance will cost you even more - especially if your licence was withdrawn.On the plus side, a history containing no black marks such as accidents will result in cheaper insurance as you build up a 'no claims' discount over the years.The next most important factor...more
Most people who own a caravan avoid taking out caravan insurance to reduce their expenses. Some owners may reap short-term benefits, however in the long run this could prove to be expensive. If you have decided to get insurance for your caravan, it...more
Caravan insurance cover protects your prized caravan and all its contents. Though not a legal requirement, the policy is important to ward off possibilities of financial losses due to accident, theft and other mishaps. There are a number of factors...more
Every driver is unique and has their personal reasons for why, when, and how much they drive their car. Because it is the law that you have to have insurance before you drive a car, it is important that you find the best policy that meets your...more
When you own a car what easily comes into our minds is car insurance. The law requires insurance for all vehicles. Legal actions will be taken to drivers who dont have car insurance. Sanctions involved paying around $500, 000 for penalties. Not only...more
With the current busy lifestyle that we all have, it could help a lot to have your own car. However, financing your own car can be difficult especially if you do not have any credit history yet or if you have a bad credit history. In this type of...more
If you have low credit scores and poor credit history, it can be a little difficult for you to get an auto loan that quickly. Securing car loan if you have bad credit history is difficult because lending companies would often base the approval for...more