Choosing an Auto Insurance Collision Deductible When choosing and auto insurance collision deductible it is important to compare the premium associated with the deductible that is selected. Many times the collision premium on a policy will be the largest contributing factor in the premium. This reigns true for youthful operators and drivers that have multiple violations.When selecting a collision deductible there are many options to choose...more
When Auto Insurance Rental Car Coverage Is a Must Among the many options of coverage associated with auto insurance rental car coverage is one that the consumer should make an educated assessment of their personal situation to see if it is a wise choice of coverage. Many times it would not be recommended but in certain situations it is considered a must.Rental car coverage is not offered on all policies for all vehicles. Many times the...more
California Full Coverage Auto Insurance In California many drivers on the road are under the impression that they have a full coverage insurance policy. This is not the case. There is no such thing as full coverage. All insurance policies that are sold in the state will have limits of coverage on them. When involved in an accident the insurance company will only pay up to the limits that were on the policy at the time of the loss. The insured will not be fully covered regardless of the amount of damages that are caused.In the past many times customers will ask for a full coverage insurance quote. Generally, they are referring to having coverage so that if the vehicle is stolen or is involved in an accident the insurance company will repair it or replace it. The appropriate term for this coverage is physical damage protection. This means that the policy has comprehensive and collision coverage.For policies that have physical damage coverage the insurance company will pay for repair or replacement of the vehicle up to the actual cash value of the vehicle unless otherwise stated on the policy. Many times consumers are in a position that they owe more on their vehicle than the...more
Auto Insurance Roadside Assistance Many auto insurance policies have the option of carrying roadside assistance coverage. Roadside assistance protection is designed to assist client immediately when they are in need of a tow truck, jump start, lockout service, or tire change. Many times the customer will have a dispatch telephone number that...more
Auto Actual Cash Value Coverage Whenever comprehensive and collision coverage is selected on a policy the vehicle is covered up to the actual cash value unless otherwise stated. Some policies are written as stated value such as commercial auto policy that have vehicles that are significantly altered from their original condition or classic...more
Consumers Should Shop Auto Insurance Rates before Buying a Car Some vehicles can cost fifty percent more to insure. Rates can vary by year, make, model, and sub model. It will always be in a consumer's best interest to shop their auto insurance rates prior to purchasing a new vehicle. Prices are generally higher on two door models compared to four door cars. High performance is also a large factor in determining the premium for your policy. Historically, a larger percentage of high performance vehicles have been involved in accidents when compared to vehicles that are not high performance vehicles, thus driving the insurance rates up.Rates also increase depending on the cost of the vehicle. Whenever you have comprehensive or collision coverage on your policy the rates will parallel the cost of the vehicle. It is understandable that the insurance company will need to collect a higher premium for more expensive vehicles since in the event of a loss the insurance company will be on the hook for the value of the vehicle.Consumers that are going to be financing their next vehicle will be required to carry comprehensive and collision coverage for the entire term of the auto loan....more
Will Traffic School Keep Auto Insurance Rates Down? Take the traffic school. One additional ticket on a driving record can make a significant increase in rates. In California, drivers are only generally offered the option to take traffic...more
How Much Auto Insurance Coverage Should Drivers Carry? For auto insurance, policy holders are only covered up to the financial limits that they purchase. Traditionally, clients are advised to review their assets when choosing coverage limits....more
Information On Insurance Related To Workers Compensation In Anderson, South Carolina Workers compensation is a form of insurance that provides medical assistance to an injured employee in exchange for the right to sue the employer for...more
Types of Cruise Ship Injuries Cruise ships offer multiple opportunities for injury, but unlike injuries sustained on land, filing a personal injury claim against a cruise line is a complicated and difficult process. An injury attorney with...more
Different types of auto insurance include rental, liability, emergency tow, collision, dismemberment, comprehensive, accidental death, uninsured, under insured, etc.The use of Auto Insurance Leads makes it easier for insurers to promote their...more
Common Offshore Drilling Rig Injuries With more information coming out every day about the BP oil rig disaster, Americans are finding an increased interested in the dangers associated with offshore drilling rigs. Not only do offshore drilling...more