Vehicle Total Loss – Defend Your Rights and Get the Real Value of Your Car!

Mar 18

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If you have a vehicle total loss, then you will soon learn that insurance companies are not as “consumer friendly” as they claim in T.V. commercials. Everyday we hear horrible stories about people getting offers for their vehicle total loss low as $50. The question usually asked is, is this legal? What is the process of settlement? We have written prior articles on the subject creating a lot of interest, so we decide to do your best to summarize the process and show you how you can protect your rights. A vehicle total loss exists when the value to fix the car is 70, 80, or even 90% of the total value of the car (it depends in your state

law). For example, If the value of your car is $10,000 and if the estimate of repairs reach $7,000 ($8,000, or $9,000 depending in your location), then the car is a total loss.

Insurance companies know the value of the car before they are inspecting it. They do not disclose this value to you until the very end, but they have a good understanding of vehicle values. Usually, a third party company hired by the insurance company (usually CCC Information Services Group, Inc will do a preliminary evaluation of your car. They will look at vehicles on your local market to see the value of your car is “going for”.

Once they determine the value of the car, they compare it with the repair estimate and they add the rental cost (if they would have to fix it, and you have rental coverage, the insurance company will take that into

account), and determine if there is a vehicle total loss.

At this point, the “real” evaluation of your car begins. The insurance adjuster will inspect your car for prior damage, rust, cleanness, etc. They will also look at equipment, options, and special features. They will

determine if your car is in excellent, normal, average, or below average conditions (or similar terminology). They will re submit that information to CCC (or other third party company) and usually within 24 hours, this company will give a report back with several comps in your local market for a vehicle just like yours.

The insurance adjuster still has the discretionary power to add or subtract certain things, for example, if they believe the car is in exceptional condition, they might add $200 to their offer. If the car has prior

damage, then they will reduce what they believe it is adequate.

Here is where the “negotiation” begins. The vehicle total loss is a negation; however we put it in quotes because it will not appear to be one. The total loss adjuster will give you an offer and tell you that it is a

final offer, then cut the rental car (actually, they will cut the rental car the day they tell you have a vehicle total loss, some jurisdictions allow for three days after that), and tell you that if you do not settle, then they will deduct the value of the salvage of the car (the value your car is worth acraps), and send you whatever is left.

Is that legal? Yeah it is. As long as the offer was within the “range” that CCC (or the third party company) gave, and the rental regulations are within the “state law requirement”, insurance companies have the

upper hand. Can you protect yourself? Yes, there are ways to defeat the above situation. You need to ask for the CCC report. This is critical. The insurance companies MUST (not optional) give it to you. They must give you the numbers they are looking at.

You can dispute this report if you believe they are not taking into account things they should be taking into account (your low mileage, for example). It is important to you do not forget about the original estimate of repair. If the insurance company is trying to make the value of your car so low, then ask them if they would fix it. If you can “pin” down what percentage do they use declare a vehicle total loss, then you can use a reverse math approach to argue that they need to fix the car (they will not to do that). The only way to truly win your vehicle total loss is by having all information in front of you. Do not settle until see everything. You will be surprised how many “mistakes” or how many things they “overlook” when

negotiating with you.

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Lowest Auto Insurance Rate – Taking The Right Steps Towards It

Mar 17

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Do you want the lowest auto insurance rate for your coverage needs and profile? Are you doing anything about it or are you merely wishing? I’ll give you a few tips that will steer you in the right direction. Thereafter, it will be entirely up to you to use them to your advantage. Here are they tips…

1. You can get discounts from a good number of insurers if you’re part of associations especially the bigger ones. They stand to get many prospects easily if an association decides to adopt them as their insurer. Even though you may not necessarily join an association because you want a group auto insurance discount, it makes sense to take advantage of it if it’s offered to any association you already belong to.

2. Choose higher deductibles. Raising your deductible reduces your auto insurance premium. Just note that when you file a claim, your insurance company will expect you to provide the deductible before they can perform their part of the policy. An auto insurance provider is only bound to make out payments for claims after you’ve contributed your deductible.

3. Maintaining impressive grades is now rewarded by insurers with lowered vehicle insurance rates. There’s a thinking that students who are serious with their studies are generally more stable. To enjoy a good student discount you’d have to make a minimum a B’s. So take advantage of this if you’re a student.

4. Get and compare many quotes and you’ll make massive savings. Doing your shopping never was easier now that you can do everything online. All you’ll be expected to do is simply complete a form and then you’ll receive your quote all in minutes.

You’ll hardly spend above 5 minutes per site in addition to the fact that it’s free. Don’t forget that an additional quote you receive can really offer you better coverage for a far lower price than the previous ones you got. If I were you, I would obtain as many rates as I can since doing this right can save you up to $1000 on your premiums.

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There’s No Problem Getting Texas Auto Insurance in Texas

Mar 16

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Everything is big in Texas and so it is with Texas auto insurance. You will have a tough time driving in Texas if your car is uninsured. You’ll have to have Texas auto insurance to be able to obtain or renew a licence or licence plates for your vehicle and your vehicle must be inspected. Always have proof of insurance and your driver’s licence with you at all times.

This is the first thing you will be asked for if you’re stopped for any reason.

If you are just moving to Texas from out of the state you have to obtain a vehicle identification certificate from the inspection station. Then you need to get your vehicle inspected and have the technician fill out the forms. If you’re already a resident of Texas you have to have an inspection done on your car at least once every year. This also verifies that you have the required Texas auto insurance in place because you must have proof of auto insurance to get these things done, such as inspection of your horn, wipers, mirrors, seatbelts, brakes, lights and window tinting.

Texas auto insurance mid cities is no different than the rest of the state. You have to obtain the same things that are required elsewhere. You have to register your vehicle in the county you’re living in. You can transfer your title from the previous state you lived in and then get it registered in Texas. There is an application that must be filled out and submitted along with vehicle identification and to do this you must have Texas auto insurance. Fees for this are based on the year and model of your car.

After paying the title and registration fee you’ll be issued two licence plates for the front and back of your vehicle. They will also include a validation sticker to be placed on your windshield. Now you have your Texas auto insurance along with your plates and registration and you are all set to head down the road without worry. Of course the main thing is you do have automobile insurance in Texas just in case you meet that unexpected accident that we all dread. It is good to know you have enough Texas auto insurance to cover it.

Texas auto insurance, make sure you have it.

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What You May Not Know About Automobile Insurance

Mar 14

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Perhaps the most commonly purchased type of insurance is automobile insurance, also called driver’s insurance or car insurance. Although laws vary somewhat, virtually all states today require drivers to carry some sort of automobile insurance to legally operate a vehicle on public roads. The penalties for driving without insurance can range from fines to a suspended license or, in the case of repeated infractions, possibly even a short jail sentence. Given that driver’s insurance is required in pretty much every state, it’s worth having some basic knowledge about the subject.

Types and levels of Coverage

The type of insurance coverage a person needs, and how much they will pay for that coverage, vary depending on a number of factors, such as the age of the driver, his or her driving record, the age and value of the vehicle, the dollar amount of the coverage, and whether the vehicle is fully paid for. While auto insurance can get pretty complex, there are four types that everyone should be aware of.

Liability coverage is the most basic type of coverage; it protects the driver against any claims that might be brought after an accident or other incident that is the driver’s fault. This is usually the minimum coverage that a driver needs to be considered insured. Liability insurance usually has the lowest premiums, but it doesn’t cover any damage to the driver’s own vehicle; thus a lower monthly premium needs to be balanced against the risk of a potentially large financial burden. Also, most loan lenders require a driver to carry comprehensive coverage until the borrower has paid off the loan in full.
Collision insurance covers part or all of the cost of repairs to the driver’s vehicle in the event of a collision, based on an estimate of the project cost for the repairs. While collision insurance can definitely pay for itself in the even of a car crash, the monthly premiums are higher than simple liability. Most policies are also subject to a deductible, which means that the policy carrier is responsible for paying a set amount before the insurance company pays. Deductibles vary widely; generally speaking, though, the higher the deductible, the lower the monthly payments, and the lower the deductible, the higher the monthly payments will be.
Comprehensive coverage is typically required for vehicles that are still in the process of being paid for. Many vehicle owners also carry comprehensive coverage for expensive or otherwise valuable vehicles. Comprehensive coverage covers damage that isn’t the result of a collision – fire, theft, vandalism, and so on – although the exact items covered can vary quite a bit from one policy to the next.
Uninsured Coverage protects you if an uninsured or underinsured driver hits you or your vehicle. Although insurance is a legal requirement in most places, that doesn’t mean that everyone on the road is insured. This type of coverage means that you won’t get stuck with the repair bill if someone less responsible than you involves you in an accident.
Each type of insurance is available at several different levels of coverage; the higher the coverage (in dollars), the higher the premium will be. Premiums will also increase if the driver is involved in an accident or receives tickets for traffic infractions. Additionally, premiums are higher for males than for females, for younger drivers, and for drivers in urban or higher-crime areas. Despite this, however, automobile insurance is a necessity for any responsible driver.

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You Can Find Affordable Car Insurance

Mar 13

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In your quest for affordable car insurance, you will no doubt end up on the internet. Even if you are happy with your current coverage and provider, you should still compare rates from time-to-time, and the internet is the easiest way to do it.

You need to review your current policy before renewing it. There are two reasons for this. The first is that car insurance companies will change their priorities. They may be seeking many new policy holders in a given area, for example, and price their policies especially sharply to attract more customers. Conversely, it’s also possible that, once having gotten the market share that they had planned for, they are now inching rates up in an attempt to recoup some of the discounts that they had to offer in order to obtain that market share. Whatever, the reason, car insurance companies do set their priorities, and their rates, differently at different times.

The second reason is that your personal situation may have changed, from a rate perspective, and you may not be aware that you are now eligible for a better rate until you inquire.

So you have reasons to be shopping, but why the internet? Online insurance is cheaper because insurers face incredible competition online and cannot survive without being competitive. In addition, their costs are less, since once set up, a website runs itself without all the office overhead required by dozens or even hundreds of offices and sales staff.

Before you start your search, review your needs. There are so many choices online that you will never get through to the goods ones if you have to formulate your needs for each inquiry you make. Then, contact your existing insurer by phone or in person, as applicable, and review your policy to see if there are changes in coverage or additional discounts to be had since your last renewal. Armed with this information, you are now ready to go online shopping.

Enter your search on your favorite search engine and then be prepared to be overwhelmed by the number of hits you get back. You will quickly learn to refine your search parameters to make the huge number of hits more manageable, but, in the end, you will have to pick several and go forward.

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Cheap Van Insurance

Mar 12

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Finding Cheap Van Insurance from good quality commercial Van Insurers is rarely a

Simple task. If you’re a commercial van owner using your van for work the costs can mount up. As you will probably already know Insurers tend to classify commercial users in a higher insurance group than private users.

That being said life has been made somewhat simpler and hopefully cheaper with the advent of many new comparison sites allowing the user to quickly go compare prices for insurance from a wide number of insurers. This has helped in part to keep prices lower as insurance companies are in direct competition for new customers. In any case if you rely on your van for your business weather it is building, courier work, deliveries etc you will want to find a policy that is both cheap and trustworthy. This again is where a comparison site can help making it far easier to compare prices and service. Insurers are always on the lookout for new custom and it is quite common to find deals at preferential rates for new members, you can also further make savings by buying your van insurance online where some insurers could be willing to offer as much as 10% to 15% discount just for buying your policy online. In recent years the internet has become a major part of almost all commercial insurers business so shopping around for a policy can be likened somewhat to shopping around for a new credit card the best deals tend to be given to new

Customers!

It is worth remembering that you as a new customer will be highly sort after by Van insurers and this could well be reflected in very competitive rates being offered. If you are now looking to renew your policy its worth looking around first before you put pen to paper to see what other offers may exist online. Even better if you can find the deal you want by just visiting one site.

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Making an Auto Insurance Claim

Mar 10

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Half of one million people each year are injured in motor accidents and are entitled to compensation. Many of these people are unaware of the rights they have or are even unaware of how to make a claim to this compensation. Unfortunately, these people lose out on money due to them for pain and suffering.

The steps to making an appropriate claim begin immediately following an accident. After an accident, the policyholder must inform their insurance agent right away. Usually insurance claims offices have emergency claim help line numbers or a 24-hour claims assistant number. The staff helping with your claim will take down the details of the accident, including date and time, location, as well as damage and/or injuries incurred.

While the insurance representative is taking this information, they will check that cover is provided under the policy and give information on how to proceed with the claim, offering advice and guidance. When checking this information, the claims agent will make sure that the vehicle and driver were authorised under the policy. Also, the claims agent will check to see if any details of the accident exclude cover for any repairs.

In checking this, the agent will determine whether all damages arising from the accident are covered by the insurance policy. This would include checking for comprehensive cover if the policyholder sustained damage to their own vehicle. If the insured only had just Third Party or fire and theft, the damage to the vehicle would not be covered by the claim. The final step is ensuring the policyholder is up to date on payments of premiums, and that they are paid in full. The insurer will also satisfy that all information given in regards to the accident is complete and accurate.

These claims can be completed over the phone, giving a verbal statement. This process helps decrease the need for written claims, which can be time consuming for the policyholder and the insurer. Written claims are still necessary in certain circumstances, such as serious injury and/or property damage.

Insurers will also require an estimate of damage from approved garages. Use of approved garages will expedite the process of the claim by reducing paperwork, and they are also more cost effective and efficient for the insurance company. If the car is immobile due to damage, the insurer will usually cover the cost of removal and relocation by way of towing.

The approved garage and an engineer from the insurance company complete the estimate together to corroborate that the damage is consistent with the claim of the policyholder. If the claim and damage are consistent, the engineer will authorise the repairs to be completed. To help reduce the inconvenience to the insured, hire cars are often available through the insurer.

The use of an approved garage is in the best interest of the insured. The engineers may take longer in giving approval as the garage may be out of the area of his daily rounds, and a more detailed estimate may be required to authorise the repairs.

When repairs are completed on the vehicle, the insurance company will compensate the garage. This amount is the total for the repairs and labor less the amount in excess the policyholder pays. After this, the claim is completed and the insured receives the vehicle back.

If there is injury or substantial property damage, a claims investigator may be used in order to further inspect the circumstances surrounding the accident. This process involves taking statements from those who witnessed the accident, and it also includes the collection of evidence necessary in case of litigation.

If the vehicle incurred damage beyond economic repair, the insurer will offer the policyholder a sum equal to the market value of the vehicle at the time of accident. The value usually is determined largely by the use of “Glass’s Guide.” This guide factors purchase price, age, mileage, condition and overall depreciation of the motor vehicle. The engineers will also factor vehicle modifications in estimating the market value of the car.

Final claim payment is negotiated between the two parties, the insurer and the insured. The claim is resolved when all payments have been met and when all information has been collected in regards to the accident.

Remember, people have accidents every year and do not get the sum due to them for pain and suffering largely because of lack of education. Research is important to further your knowledge of not only how to make a claim, but to further your knowledge on your rights.

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The Truth About Finding Lower Priced Auto Insurance

Mar 9

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It doesn’t have to be so difficult, right? Shopping for affordable, quality auto insurance has become akin to finding a needle in a haystack. Sure, you know it’s there somewhere, but most people give up on trying to find it when they see just how many places they have to visit, call, or click – just to get a competitive insurance rate from a reputable company.

We’re constantly hammered with advertising by reptiles, purple-haired cartoon characters, and price gun-wielding, lithium-infused actresses telling us that they can deliver us all from the evil that is shopping for car insurance. They exclaim “get an instant online quote and we’ll show you the best price (even if it isn’t ours)”! But, what do you really get when you go to their websites? You get their rates, period. Worst of all, their rates aren’t really all that good – in most cases, they’re downright over-priced!

There’s no comparison shopping going on – you may as well pick up the yellow pages and start dialing. What, then, is the point of all this technology? The answer is more complex than one might think. As the internet has become the place to comparison shop for everything, the large insurance companies have realized that a good defense is just as important, if not more so, than a good offense. They use their massive advertising budgets to blast the airwaves with their manufactured messages, all the while engaging in price wars online to ensure that search engines always and almost exclusively show their ads. All this guerrilla marketing is aimed at one thing – drowning out those smaller, regional carriers and relegating them to fight for scraps.

Where this is all going is straight for our wallets.

As the big insurers focus on outspending the competition, instead of focusing on delivering a better product and limiting their underwriting and management costs, the rest of the insurance industry, and consumers, is left to hope for the best. As long as the big insurers continue to get people clicking through or calling in, they will continue to escalate their advertising spend. Where does all this advertising and marketing money come from? To put it plainly – it comes from you and me. It comes in the form of paying higher insurance rates – all in the name of keeping the marketing machine moving.

There is an alternative… Independent agencies!

- those agencies not owned by or unduly influenced by insurance carriers – are going above and beyond to offer affordable, quality insurance coverage through reputable carriers. Most of these carriers are only available to the public through their agent, and the fact that they don’t spend a bazillion dollars on marketing helps keeps their costs, and YOUR costs, way down. These savings are reflected in their lower rates, thus benefiting you!

A little knowledge goes a long way – below is some interesting information for Californians about auto insurance – Keep in mind that all states require some form of drive insurance and the following information probably applies to your states minimum required coverages also. All minimums will vary from state to state, so check with your local DMV or insurance agent for the required minimums in your locale.

California State Requirements

Firstly, drivers need to know what the required minimum insurance is in order to legally drive in California. According to the California Department of Motor Vehicles, in 2006, the California Vehicle Financial Responsibility Law changed the way the Department of Motor Vehicles verifies insurance for privately owned vehicles. Changes were made to ensure that vehicles driven on California roads have liability insurance that provides financial responsibility for any damage or injury caused by a traffic accident, regardless of fault, and to remove uninsured vehicles from the highways.

Minimum liability insurance requirements for private passenger vehicles (California Insurance Code §11580.1b)

o $15,000 for injury/death to one person

o $30,000 for injury/death to more than one person

o $5,000 for damage to property.

Liability insurance compensates a person other than the policy holder for personal injury or property damage (comprehensive or collision insurance does not meet vehicle financial responsibility requirements). Check your policy or talk to your agent or broker to make sure you have sufficient liability insurance coverage for each vehicle you own.

State law requires all drivers to have a minimum 15/30/5 policy, and any additional coverage is optional after that. This means that drivers need to have $15,000 in bodily injury liability per person and $30,000 in bodily injury liability per accident. This coverage will pay for the medical bills that are a result of an accident the policyholder has caused to the other driver. This does not cover the policyholder or his/her passengers at the time of the accident. The “5″ in the state required amount stands for $5,000 of property damage liability. When the policyholder (or member) causes damage to another person’s property, the insurer will pay up to that amount to repair the damage. And, as with bodily injury liability, property damage liability does not cover the repairs of the policyholder’s property.

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A Car Insurance Calculator Can Tell You What it Will Cost to Drive Your Car

Mar 7

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If you need to know how much it is going to cost you to drive your car, try using a car insurance calculator. These tools can give you a very good idea about what insurance protection will be.

The idea behind an insurance calculator tool is simple. You input the key variables that determine the price and a pretty accurate estimate is generated.

While the calculator may not give you the exact figure that you will be paying, it will give you a pretty good idea of what the final tally will be. This is useful for comparison purposes.

Many of the major insurance companies now have these types of calculators on their own sites. In most cases, the quotes are favorable to the sponsoring company. Therefore, if you use the tool on the Geico site, their own insurance rate will be the lowest and if you use the one at Progressive, theirs will reflect the lowest rate. Part of this is based on the factors used in the calculator itself.

Some of the factors considered on a car insurance calculator include:

Your location
How much you travel in a day, month, or year
Type of vehicle you drive
Driving record
Gender
Age
Marital status
Number of children at home

What is not typically considered in the calculator are things like what other policies you have with the company (such as a homeowner’s insurance policy) or how long you’ve been with the company. This level of sophistication lends itself to working with an agent rather than a calculator.

But, if you are just looking for a basic guideline, a car insurance calculator is the way to go.

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How to Find Affordable Car Insurance in Nevada

Mar 6

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If you think it seems like it’s getting harder and harder to find affordable car insurance in Nevada you’re not alone. Car insurance premiums have been going up all across the state, even for drivers with good driving records who have never filed a claim.

It has gotten so bad that some drivers are contemplating driving without auto insurance – but don’t you be one of them. Automobile insurance is mandatory if your drive a car in the state of Nevada and the penalties for driving without insurance are extremely severe – and could result in your driving privileges being suspended entirely for a good long time.

The answer is to find ways of driving down the cost of your car insurance premiums and allow you to find affordable car insurance here in Nevada.

Start by maintaining a good driving record. Do not drive when drunk or impaired in any other way. The potential penalties are simply too severe. In addition to any legal problems you may face, your auto insurance rates are likely to soar if you are convicted of any moving violation, especially drunken or impaired driving.

If you smoke, consider quitting. It may be difficult to quit, but the money you save – including the savings on your car insurance premiums – can make all the discomfort worthwhile.

If you are in school stay there and study hard. If you are a student and you can maintain a “B” average most car insurance companies here in Nevada offer what is called a Good Student Discount.

If your parents are willing, have your car added to their policy rather than taking out a policy of your own. Most companies charge student driver’s less if their policy is attached to their parent’s policy.

If you are over 50 take a safe driver refresher course. Such courses are even offered online and the successful completion of one of these courses can save you up to 10% on your car insurance premiums.

If you are buying a car don’t get that sports car or SUV or muscle car, not unless you are prepared to pay a much higher insurance premium. However, do by a car with air bags and other safety features, as these tend to lower your auto insurance rates.

If you have two or more cars make sure they are both insured by the same company. Most Nevada car insurance companies offer a multi-car discount – also, if you have a homeowner’s insurance policy or a health insurance policy or long term care policy or any other insurance policy, consider having it carried by the same company that insures your car. Most companies off a rather hefty multi-policy discount.

Be willing to pay the highest deductible you can afford. No one likes paying for any portion of an accident out of their own pocket, but the larger your deductible the lower your monthly car insurance premiums are going to be.

Lastly, go online and spend whatever time you need comparing prices and policies among a variety of companies, since prices can vary widely even for the same basic coverage. It takes effort and commitment, but if you are willing to do your homework and spend the time necessary to compare policies and prices, it really is possible to find affordable car insurance in Nevada.

Good luck!

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