Tag Archives: Auto Insurance Company

How to Find the Best Auto Insurance Companies

  By John | November 19, 2009 - 4:22 am | Auto Insurance
3 Comments

Shopping for auto insurance? Looking for the best auto insurance companies with the best rates? Here’s how to find them.

Finding the Best Auto Insurance Companies

Finding an auto insurance company that will be there when you need them and will pay your claims on time is an important consideration when it comes to buying auto insurance.

A company’s financial strength is a good indicator of their ability to pay claims, and there are two websites where you can go to check out their financial status:

Standard and Poors (standardandpoors.com) – This website provides profiles and financial strength ratings of more than 4,000 companies.

A. M. Best (ambest.com/ratings) – This website provides financial ratings and reports on the overall condition of insurance companies.

These websites are great if you want to know how solvent a company is and how credit worthy they are, but if you want the inside scoop on how well they pay their claims and how good their customer service is, I recommend going to the following websites:

Epinions (epinions.com)- This website provides ratings and reviews of various companies by their customers. Reviews range from, “Great agents all over the country.” to “Buyer beware! Company is a fraud candidate for misrepresentation of their clients.” If you want to find out how customers have been treated and what their claims experience has been, this is the place to go.

Your state’s department of insurance website – Most state insurance departments maintain websites that have a consumer complaint department where you can find out how many claims have been filed against a particular company. If your state doesn’t provide this information, you can go to California’s website – www.insurance.ca.gov – to get it. Just click on “Consumers,” then “Studies and Reports,” then “Consumer Complaint Study” to see the complaints filed against a particular company.

Best Auto Insurance Rates

Comparing quotes from different companies is the only way to know if you’re getting the best auto insurance rate.

Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance quotes from top-rated companies in your area and see how much you can save. You can get more car insurance tips by checking out their “Articles” section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/how-to-find-the-best-auto-insurance-companies-125638.html

What would lawyer costs for an auto insurance company be?

  By John | November 16, 2009 - 9:31 pm | Auto Insurance
6 Comments

I’m trying to work out a settlement with the auto-insurance company over an injury that happened last December. They’re offering $3,500, but we want $5,000. I was wondering how much it would cost them in legal fees, and lawyer costs if we were to bring this to court. It could help in our bartering if we know they’ll be saving money just settling. Thanks.

Some insurance companies consider a lawyer’s fees the cost of doing business. So they don’t really give that consideration when they value a claim.

They also know that if you hire a lawyer and sue – you will have to pay your lawyer 1/2 of your settlement plus expenses – a smart adjuster will point it out to you that to you. Be careful trying to ague that the insurance company should give you more because you are saving them legal fees -the company can use that argument back against you. Because if you hire a lawyer – you have to pay him as well.

Can new auto insurance company find an incident not reported with DMV but claimed with current insurance comp?

  By John | November 14, 2009 - 3:26 am | Auto Insurance
5 Comments

I want to change my auto insurance comp, i have claimed an accident with it for which i did not get a ticket. So will it matter if I don’t report it to the new company while asking for quotations? Do insurance companies talk to each other or share data?

It is probably a matter of public record, and yes, they share information between companies. If you don’t report it, and they find it, you have committed fraud. If you don’t report it, and they don’t find it, and you ever make a claim, it may turn up then and would be cause to deny your claim.

Bottom line, tell them now.

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

  By John | November 12, 2009 - 11:59 am | Auto Insurance
5 Comments

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.

How much auto insurance do I need if I own a home and some other assests?

  By John | November 6, 2009 - 7:40 am | Auto Insurance
8 Comments

My auto insurance company told me that if I’m in an accident and I don’t have enough auto insurance I can be sued and possibly lose my home. I never heard of anyone losing their home because of an auto accident. If I have a good driving record, how much insurance do I really need and can I really lose my home if I don’t have enough? and how do you collect from someone who doesn’t have any insurance? It seems stupid to carry uninsured insurance if I can sue someone for damages.

Yes, you can sue someone. However, unlike you, they might not have any assets. You may not be able to collect from them if they do not have assets.

You should have the total of all your assets (including the house) or $100,000, whichever is less, in property damage liability coverage.

If the total of all your assets (including the house) is more than $300,000, then you should have $300,000 in bodily injury liability insurance AND have umbrella insurance with limits equal to the total of all your assets (including the house).

If the total of all your assets (including the house) is $300,000 or less, then you should have bodily injury liablity insurance coverage equal to the total of all your assets (including the house).

How do I know if my auto insurance company is frauding my?

  By John | November 2, 2009 - 9:40 am | Auto Insurance
4 Comments

My auto insurance company has been charging me fees, rate increases (originally I was told it would be a decrease!), and a whole other mess with the DMV. I have not had any tickets, accidents, or claims. No one has been able to satisfactorily explain to me why this is happening. How do I now if I have a case with the insurance commission/and or a small claims lawsuit?
My main problem is not the rate increase. The insurance company received my payment on time. But, they did not POST it until a few days later. sometime in this period of a few days, the DMV audited the insurance companies system and decided this was a lapse I guess. I had to give the DMV 500.00 or lose my registration. This was 6 months ago. It took us 4 months to get the insurance agent to tell us what really happend (they are good at the runaround game). They said that they had sent the paperwork to the DMV and that we should be getting our check in 30 days as the insurance compay was at fault. This month my insurace is 100.00 more and I called the DMV and they recieved the paperwork, but not a follow up call they were supposed to get. Since I called them, I personally was able to give the OK to send the packet to the refund department. My insurance company says that the extra 100.00 is for "reinstatement of coverage", coverage I never lost in the first place.

you can visit the company’s official website from where you can know about the insurance procedure / rates etc.

usually the vehicle is insured on the depriciated price and if the same company is continued every year, then they give the no claim bonuses.

There is a unique number called the "Cover Note" number from which you can trakc down your insurance details from the company.

Wish u luck Buddy!!!!

What auto insurance company has policy numbers like this?

  By John | October 26, 2009 - 11:51 am | Auto Insurance
1 Comment

Recently got into a minor accident and forgot to take down the name of the other party’s auto insurance. The policy number has a format of ###-######-10/18. Calls to their phone number are also not being answered so any help would be greatly appreciated.

one thing a cop told me is you have to call a cop because its a felony if you drive off and they can come after you so its best to stay. Try this site, if you want to find your best or cheapest auto insurance just in few minutes,

http://best-auto-insurance-usa.info/

Hope this help,

How would auto insurance company know if I am unemployed?

  By John | October 19, 2009 - 3:06 am | Auto Insurance
4 Comments

I noticed someone posted that their auto insurance rates went up since they are unemployed. I have been unemployed since February and my rates stayed the same. I don’t tell the insurance company that I lost my job. How will the insurance company know if I am working or not?

They don’t know if you are employed or not.

It’s not based on employment – it’s based on credit score. Likely, that other person also stopped paying bills.

Auto Insurance Comparison Shopping – Best Rates and Best Companies

  By John | October 18, 2009 - 4:52 pm | Auto Insurance
Comments Off

Comparison shopping on the Internet has become a worldwide phenomenon. In just minutes you can compare products and prices in virtually any category. Here’s how to go auto insurance comparison shopping and find the best rates and the best companies.

Auto Insurance Rate Comparisons

When it comes to auto insurance rate comparisons you need to get quotes from a variety of different companies to make sure you’re getting the best rate. Single-company websites run by large insurance companies only give you their quotes, and even the ones that say they give you comparisons from other companies may only give you one or two quotes.

In order to get the best auto insurance rate for your situation you need to go to an insurance comparison website where you can get quotes from a number of different companies. These sites have you fill out a questionnaire where you can enter the deductibles and discounts you want so you’ll get their cheapest rate.

The better sites have two features that will help you with your auto insurance rate comparisons: 1. An “Articles” or “Advice” section where you can get money-saving tips and other information on auto insurance. 2. A chat feature where you can ask an insurance expert questions about auto insurance. (See link below.)

Auto Insurance Company Comparisons

After you choose a company, you need to make sure they’re reputable and will pay your auto insurance claims. My favorite sites to check up on auto insurance companies are:

* State insurance department websites – Every state has a website run by their insurance commissioner that lists agents and companies. Here you can find complaints filed against companies to see which ones have the fewest.

* Epinions.com website – This site has a product rating and review guide for everything under the sun, insurance companies included. Here you can get inside information – ratings and reviews – from actual company customers.

Bottom Line

When it comes to auto insurance comparison shopping, using the Internet is a real no-brainer. It’s quick, it’s efficient, and it’s easy. Why not visit one now and see how much money you can save?

Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance comparison quotes from top-rated companies in your area. You can get more car insurance tips by checking out their “Articles” section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/auto-insurance-comparison-shopping-best-rates-and-best-companies-128619.html

What is a good auto insurance company in florida for dui drivers?

  By John | October 16, 2009 - 11:57 pm | Auto Insurance
4 Comments

Am trying to find a auto insurance company that covers first offense dui drivers. With low cost auto insurance. Does anyone know of any?

If you want to find a good auto insurance company in florida, Try this site to find the best auto insurance

http://saveautoinsurances.blogspot.com/

Here you can get quotes from different auto insurance companies in your area, its the best way to find an affordable auto insurance with a reliable company.

Low Cost Auto Insurance – How to Get the Best Possible Price

  By John | October 16, 2009 - 5:46 pm | Low Cost Car Insurance
2 Comments

There are a ton of choices out there when it comes to low cost auto insurance. So how do you find the cheapest auto insurance with the best company? Here’s how …

Compare Quotes

Far and away the best way to get the cheapest low cost auto insurance is to comparison shop online. There are Internet sites where you can get a number of quotes from A-rated companies so you can compare quotes and get the best rate from the best company (see links below).

All you do is fill out a simple online form in order to determine what kind of coverage you want. It’s quick, it’s easy, and best of all, it’s free.

Get Discounts

As you fill out the online form, make sure you include all the discounts you’re entitled to. Here are the biggest money-savers when it comes to buying low cost auto insurance:

Deductibles – An insurance deductible is the amount of money you pay before your auto insurance company pays a claim. Raising your deductible from $100 to $500 can save you 10% to 15% on your insurance. Raising it to $1,000 can save you up to 50%.

Collision coverage – Collision coverage covers your repair costs when you’re involved in an accident. It can cost you $500 or more depending on the type of car you drive and it’s age. The cost of collision coverage for older cars may be more than the cost of repairing the car.

A rule of thumb is to drop your collision coverage if your insurance premium is 10% or more than your car’s current value.

Bundled insurance – You can get a 15% discount with most companies by putting your auto insurance with your homeowners insurance. And you can save 15% if you own two autos and insure them both with the same company.

Visit http://www.LowerRateQuotes.com or click on the following link to receive free car insurance quotes from A-rated companies and get low cost auto insurance. You can get more insurance tips by checking out their “Articles” section.

ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/low-cost-auto-insurance-how-to-get-the-best-possible-price-109062.html

What is a good auto insurance company in florida for young drivers?

  By John | October 15, 2009 - 9:29 pm | Auto Insurance
2 Comments

Am trying to find a auto insurance company that covers young drivers. With low cost auto insurance. Does anyone know of any?

Try this site, if you want to find your best or cheapest auto insurance just in few minutes,

http://best-auto-insurance-usa.info/

Hope this help,

Can the auto insurance company pay me directly for my medical expenses or do they have to pay the doctor?

  By John | October 14, 2009 - 10:41 pm | Auto Insurance
5 Comments

I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party’s auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn’t they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the help.

Your medical insurance provider will collect from the insurance company of the driver who caused your injuries. This process is called subrogation. It is standard practice throughout the US.

You are not entitled to dual benefit from your injuries. Go ahead and consult an attorney — he or she will almost certainly tell you the same thing.

If you have a pain and suffering claim, that would be paid by the insurance company of the at-fault driver, assuming that there is any room left on his liability coverage. If he had minimum liability that’s probably been exhausted already. An attorney can help with that part of your claim if need be.

What auto insurance company has cheap rates for adding a 16 year old first-time driver to an insurance plan?

  By John | October 11, 2009 - 11:36 pm | Auto Insurance
4 Comments

We live in Florida, and my son has just turned 16, He wants to get his licenses but we don’t want our insurance to go up too much. From what I hear it is very expensive, yet i hear other people saying that some auto insurance company’s have very cheap rates for adding a first time driver. So if there are any other parents that know of a company that they use that is pretty cheap please let me know.
Thank you.
Yes we are planing on "adding" him to our plan.

I recommend you locate a local car insurance agent to help. Since I live in Kentucky I can’t suggest an agent in Florida, but here is an website that can help you. http://www.easyautoinsuranceguide.com/Florida-Car-Insurance.html

Good Luck!