Car Insurance

Car Insurance Articles

A Complete Guide to Car Insurance Claims

If you haven't been through the car insurance claims process before, knowing what to do can be a bit tricky. Depending on what type of claim it is you might need to talk to your own insurance company's claims department and the insurance claims department of the other person if there was a car accident. This guide will provide you with an overview of what to expect and how the process works.

When to Hire a Lawyer After a Car Accident

If you have just been in a car accident, the task of finding an attorney may not be the easiest thing to deal with on top of damage to your vehicle, calls from insurance companies, dealing with the other drivers involved, and healing from injuries. However, there are some cases in which contacting an attorney is highly recommended after you have been in a car accident.

Insurance Startups Changing How You Buy Car Insurance

Traditional car insurance base driver’s rates on a number of factors. There is usually a very long and detailed questionnaire, that ask questions like number of eligible drivers in the house, how long have you been driving, your current zip code, your age, the number of accidents, number of any moving violations, do you rent or own your home, job title, highest level of education, the number of miles driven etc. Now you may ask yourself, what do all these questions have to with getting my car insured? Traditional care insurance companies take the answers to all these questions and load them into an algorithm to determine the risk factor of you having an accident. Based on those answers, or the results the algorithm uncovers, traditional car insurance companies will decide to insure you or not insure you, or give you a higher rate. The bottom line is traditional car insurance is based a combination of many factors, but the most important factor is demographics and driver’s history.

How to Write a Convincing Demand Letter to Settle Your Insurance Claim

Even though you do your best to stay safe, the time may eventually come when you’re involved in an accident where the other party’s is at fault. When this occurs, you could be stuck with loss of wages, damaged property, and medical bill expenses. Whether it’s just property damage or personal injury, you need to know that the at fault party’s insurance is willing to indemnify you in the case of a claim. Writing a demand letter is the best way make sure that all your expenses and losses are taken care of. This article will be a step by step guide on how to write a convincing demand letter to settle your insurance claim.

Non-Owners Auto Insurance - What Drivers Need to Know

To many people, car insurance is a comprehensive term that simply refers to insurance for any type of car. You may be surprised to learn that this is not necessarily true. In fact, standard automobile insurance has several limitations that cause drivers to obtain other products to ensure that they and other drivers are covered adequately. For drivers who do not own a vehicle, non-owners auto insurance is often a necessity.

Car and Home Insurance Coverage That Can Be a Waste of Money

In general, insurance is a great asset. It ensures that you will be reimbursed if you ever suffer a covered loss. But some losses are much more likely to transpire than others. In today's world you can get insurance against virtually anything, even though the truth is some of those policies are unnecessary. What types of insurance should you be on the lookout to avoid? Here's a helpful list to keep you from buying insurance you don't need.

Commonly Misunderstood Insurance Concepts

Despite the availability of live agents, toll-free call centers, and an almost endless supply of information on the internet, policyholders everywhere still hold a multitude of misconceptions about insurance. Why do these fallacies persist? The reasons are almost as numerous as the misconceptions themselves. Some people are afraid to be ridiculed if they ask a question that they think is stupid. Others take the advice of friends or family members who may have good intentions but do not truly have a firm grasp of how insurance works. Whatever the reason, do not fall victim to any of these insurance misconceptions

Mileage-Based Auto Insurance

Technology is truly revolutionizing the insurance industry. Not only are the days of written quotes and paper applications long gone, but major insurers are also doing away with some of the oldest rating factors. Instead, they are beginning to favor highly customizable policies that more adequately reflect the true level of risk a customer poses.

Identifying a Car Insurance Company Using a Policy Number

No one ever hopes that they will be involved in an accident, but if you have one, you hope that it will be relatively stress-free. Unfortunately, this isn't always the case. It's not uncommon for an individual who was involved in a car accident to give the other party incomplete insurance information. Sometimes this is done purposefully because they don't want to file a claim on their insurance and admit fault or they're hiding the fact that they are uninsured. If you find yourself in this situation and have just a policy number to find an insurance company, all hope isn't lost. There are a few steps you can take to get the information you need.


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