Pothole damage is considered a loss arising from hitting an object on the road and normally covered by Collision coverage so you can only make a claim if you have this coverage on your car insurance policy. Remember that collision coverage comes with deductibles and therefore, the damages may need to be substantial for it…
Continue readingMonth: February 2014
Steps to Ensure Successful Car Insurance Claims
Making an auto insurance claim can be a daunting process, but with proper preparation and understanding, you can increase the chances of having your claim approved. In this article, we will explore essential steps and considerations to ensure a smooth and successful car insurance claims experience. By following these guidelines, you can protect yourself financially…
Continue readingDo Vehicle Safety Ratings Affect Insurance Premiums?
There aren’t industry accepted standards or readily available published safety ratings specifically used by car insurers mainly because every company has their own methods when it comes to evaluating a car for insurance purposes. However, many carriers confirm that they look at the crash test results when they determine if they should charge more or…
Continue readingHow Does Car Insurance Work?
Generally, you insure to meet responsibilities to third parties, receive compensation for your own vehicle related losses and provide protection for family members. What should be included in automobile insurance coverage to deal with exposures in relation to driving a vehicle, various other risks and how much do different options cost are some of the…
Continue readingIs It Illegal to Get Paid Twice for the Same Insurance Loss?
When automobile insurance companies know that you have two covers for one particular loss, they would work out who should pay. Generally, one policy would be the primary and the other secondary. So, the latter would only be called to make compensations when the former is exhausted. This would be the case when the damages…
Continue readingHow Do Driver License Points Impact Car Insurance?
Auto insurance companies look at Motor Vehicle Records, which show traffic violation tickets and citations. Having points on record usually increases premiums. In order for companies to apply a surcharge they must see the ticket on record. Every company has their own scoring system and applies different rates for different tickets and points. For example,…
Continue readingIs Insurance for Luxury Automobiles Costlier?
Luxury vehicles are expensive to buy, usually have powerful engines for enhanced performance, they are costlier to repair because of their expensive and intricate parts and all these characteristics makes luxury cars expensive to insure in comparison to commonly available and easy to repair vehicles like popular sedans and minivans. While some high-end automobiles may…
Continue readingWhen Does Liability Only Car Insurance Make Sense?
Today, most companies offer quotations for comprehensive policies, unless you specify otherwise. They work hard on preparing attractive full coverage packages with many additions. But, there are still times it may be all right just to buy the minimum legally required to drive. So, when should you forget about the rest of the readily available…
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