You Will Have to Undergo Some Driving Lessons Before You Are Allowed to Drive a Car on the Road

To anticipate spending too much money on medical expenses and car repair, purchasing insurance coverage is a good idea. In the event of accident, other people can be in danger too. If you are at fault, other people who are involved in the accident may file lawsuits against you. This particular circumstance will direct auto insurance company to handle all the necessary requirements, for example providing a lawyer, paying court fees, etc.

Insurance company eliminates the hassles, so you will be able to do your everyday activities without worrying about the issues too much. Another reason is that driving without insurance is basically against the law, and there will be penalties for that. Please put in mind that penalties vary between states. The difference can only be in terms of specific details, as instructed by the DMV of your state. All states have the same penalties, but there are differences in the amount of fines, procedures to reinstate insurance, etc. Some of the most common penalties are briefly outlined below.

Driving Ban & Suspended Registration

If you are caught driving without valid insurance, you will be banned from driving and your vehicle’s registration will also be suspended. There is a very simple rule: if the car has no insurance, the vehicle has no plate as well. Commonly you have to turn in the vehicle’s plates to the local DMV. In certain states, such as in New York, car insurance must be provided by a licensed company, meaning your insurer has to be listed or licensed by New York State Department of Financial Services.

Every state has a local insurance department where you can obtain a list of licensed insurers. Please make sure you only purchase coverage from the listed car insurance companies to get valid proof of insurance. In New York, insurance coverage provided by any insurer from any other state will not be considered valid. It makes sense since every state has different details in traffic regulations. If you are driving without insurance, the New York State will suspend your vehicle’s registration until certain time period.

If registration suspension exceeds 90 days, your driver license will be suspended too, meaning you cannot drive any vehicle anymore until your driver license is reinstated. In New York, you have to pay a fee of $25 – $50 to reinstate the driver license. It is better to turn in your plates to the New York DMV before your insurance coverage ends; you will then get a receipt to proof that you already turned the plates in. This rule also applies even if your car is in the storage or parked at public road.

Car Gets Towed

Excluding New Hampshire, all states in the United States penalize uninsured drivers. However, each state implements different set of rules concerning the fines and other penalties. If you commit any traffic offense, your car will be pulled over and the officer will ask you to produce driver license, vehicle titles, and proof of insurance. You will be fined based on the offense. In most states, if you fail to produce proof of insurance, your car will be towed away and impounded.

Because you were driving the car when it was pulled over, you will be responsible for paying the storage fees and fines to get the car back. Depending on the state where you live, the total amount can be thousands of dollars. Considering you have to also purchase insurance before you can repossess the car, it is safe to say you will spend more money in addition to the fines and storage fees. Usually, you will need at least liability coverage to take the car back. However, if your driver license is suspended due to traffic offenses such as DUI (Driving under Influence) or other violations, you may have to take someone with a valid driver license.

You can bring the original insurance document, the copy of it, or simply fax it depending on the DMV. Please also make sure that you bring enough money to pay all the charges. Instead of paying thousands of dollars, it is best to purchase insurance coverage which is probably way less expensive. You can use online car insurance calculator to estimate the price of insurance policies from almost every insurer.

SR-22 Requirements

Once again, depending on the state where you live, proof of insurance can be in different forms. One of the most common is SR-22 document, which basically shows you have the least minimum liability requirement to be considered legal for driving. There are some situations where SR-22 is obligatory such as when you are caught for driving under influence, at fault in the event of accident, you commit too many traffic offenses, or having non-valid driver license.

If you are required to obtain an SR-22 document, you will have to maintain the minimum insurance requirement of the state in which the document is issued and keep the document for usually 3 years, even if you move to other states. If in any case your insurance lapses or is cancelled, your vehicle registration and driver license will be suspended again. SR-22 requirements can be different from state to state, but you can ask your local DMV or insurance company for more details.

Besides SR-22 document and insurance card issued by your insurer, there are two more valid proofs of insurance that you can use. In some states, the preferred form is electronic database sent by your insurer to the DMV. Even if your insurance company uses this procedure, you must always keep the insurance card with you as backup. It is worth mentioning that some people choose not to be insured, yet they use a different form of responsibility, which is a large amount of deposit. Surprisingly, many states allow people to use this form indeed.

There are two possible methods you can use if you choose not to purchase insurance policy from any company. First, you have to make large deposit but the amount varies depending on the state; it is usually from $25,000 to $100,000. Another way is to purchase or secure a bond with a surety company. The surety bond company should be an authorized one in your state. If you prefer to use one of those methods, please make sure to keep the certificate of bond or deposit with you.

Fines

The car is indeed yours after you purchase it, but you are not allowed to drive it on the road unless you also buy insurance coverage for it. The car should be covered by at least liability insurance before it can get to roadway. When you are pulled over due to any reason, the police officer will ask for insurance card or any other valid proof of insurance.

If you cannot produce it, you will receive a ticket in addition to the actual reason why you were pulled over in the first place. For example, if you are being stopped for speeding or driving in the wrong lane, and you are currently not insured, the tickets you receive will include all those offenses. Again, depending on the states, you will probably be able to dismiss the ‘driving without insurance’ ticket.

The other violations have been committed, and there is no way to dismiss the tickets. If you can produce the proof of insurance within the time period indicated on the ticket, this specific offense can be dismissed. This is possible only if you were actually insured at the traffic stop, yet for whatever reason you did not bring insurance card or any other proof of insurance. Based on this, even the best car insurance companies in the world will not be able to save you from the fines.

In case where you were not insured at all at the traffic stop, you have to deal with an exceptionally high fine. In Ontario, for example, the minimum fine for this offense is $5,000. According to NAIC (National Association of Insurance Commissioners), the exact amount varies by state, but it typically starts from $5,000 to $10,000. There is also a 25% surcharge added to the actual fee. Driving without insurance doesn’t make any sense, since you can get cheap auto insurance easily from many companies.

Jail Time

Jail time is usually for repeat offenses only. Uninsured driver will be put in jail for a maximum of 30 days depending on the situation. To make things worse, you still have to appear in court and pay the fines based on the offenses you committed. You will therefore are penalized with both penalties. Based on a study conducted by IRC (Insurance Research Council) in 2011, one out of seven drivers in United States is uninsured.

The main reason is that insurance policies are expensive, which is not a good excuse after all. If you do a little online research, you will find numerous websites providing car insurance estimate services for you free of charge. The websites usually access some of the most reputable insurers in the state and perform the estimation based on the personal data you provide such as age, car model, address, mileage, etc.

Such estimation will not be 100% accurate, but you can at least predict the actual amount you need to pay. If you won’t use independent estimator, you can ask for car insurance quotes from almost every company in the state. Those companies nowadays provide the quotes for free, and you can get it without buying their policies.

What happens if the other driver has no car insurance?

No Pay No Play

This is a relatively new penalty, and it is currently only implemented in 8 states across United States including Oregon, North Dakota, Alaska, Iowa, California, Michigan, Louisiana, and New Jersey. The law basically states that uninsured drivers are not allowed to receive compensations from insured drivers regardless who are at fault in the event of accidents. In Montana, for example, uninsured drivers are allowed to file a lawsuit against their insured counterparts to obtain compensation for non-economic damages.

With ‘no pay, no play’ law, uninsured drivers are prohibited from doing so because they basically are not providing the same benefits to others. In the simplest way, uninsured drivers are considered cheating on those who are insured. Those who do not have insurance will not be allowed to collect compensation for non-economic damages from other drivers who actually have insurance policies.

This can be a good idea, since there are cheap auto insurance quotes all over the market, and some people simply don’t want to purchase it even if it is against the law. The only way that uninsured drivers can file a lawsuit is when they pay large deductible (usually around $10,000). Only after that they can sue for property damage.

Car Insurance Claim Procedure

Motor Vehicle Insurance is compulsory in India under Motor Vehicle Act 1988. Motor vehicle insurance is the insurance coverage of the risk of third party arising out the use of motor vehicle and also for covering the risk of damage caused to the vehicle. Indian people neither concern about Life Insurance Plan nor Medical Insurance plan but they are more concern on Motor Vehicle Insurance either they are driving a Scooter or a Bike or a Car or a Truck. It is mandatory otherwise if anyone injured without insurance vehicle, it will treated like a Crime.

Now days everyone have their own vehicle, roads are jam pack with vehicles, the risk is high so as a result, motor insurance companies are growing day by day and claims have also gone up. But many a time, the policyholders do not know exactly what they can do to get their Car Insurance Claim Procedure.

Here we are explaining the procedure how to claim on your car insurance policy. This will help you a lot.

How to claim on your Car Insurance Claim

We will understand this procedure in some scenario step by step so it will be very easy for us.

Claims for own-damage: If your car met with an accident, you should follow these steps to claim for damages:

  • Inform the insurance service provider – First and foremost you should inform to the insurer at the earliest and you have to submit a duly filled in claim form along with the required documents to the insurance company before you send the car to the garage for any repairs. The forms are available on insurance service provider’s websites. Most insurers follow strict guidelines and its mentioned in the policy documentation.
  • Lodge FIR – In some cases, First Information Report (FIR) is required so lodge FIR to the nearest police station for the safer side. Although it may not be mandatory for claim settlements but it is advisable to lodge an FIR. It depends on the condition.
  • Assess the damage – Once you inform to insurance service provider, they will appoint a surveyor who will assess / evaluate the damage of your vehicle. He will prepare a report and pass it on to the insurance company. You will also receive a copy and then you can move your car to the nearest network garage for repair.Note: If the damage is severe then surveyor will reach the spot of the accident at the earliest for survey.
  • Claim settlement – As soon as insurance company receives survey report, they will analyze the claim request and sends an approval to the garage. The garage will have to provide an estimated cost for the vehicle repair and timelines for the same. The insurer will be in touch with the network garage for an overall view of the extent of damage and the way in which the repair work is proceeding.

After the work is completed, you will have to take the duly signed bills and documents from the garage and submit them to surveyor. Surveyor will send it to the insurance company.

If all the documents are completed, the insurance provider will reimburse your bills. Keep in mind that there will be some compulsory deductible and variable deductible components, as stated in the policy document. Once your claim settled and your car is OK then you can drive again.

Car insurance claim process for a third party claim: -If you are responsible for an accident where a third-party suffers injuries or damage to property, here is what you need to do:

  • Inform to insurance service provider – First and foremost you should inform to your service provider at the earliest. Also remember not to make any financial commitments to third party.
  • Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future reference as well.
  • Share policy document – You should mandatorily share a copy of your car insurance policy with the third-party, so that they can raise a claim on it.
  • Claim at Motor Tribunal – According to the Motor Vehicles Act 1988, third-party liability claims are raised at the Motor Accident Claims Tribunal (MACT). The claim can be raised by the third-party at the tribunal closest to his/her residence or yours.

After receiving all the documents, the insurance service provider will verify the documents and assess the accident and if found satisfactory, you will get a lawyer appointed by them.

If the court directs you to pay the damages to the third party thereafter, the insurance service company will directly pay the dues to the third party.

It is advisable to see if the situation can be settled amicably outside the tribunal.

Claims for theft: If you find that your car has been stolen then follow the below procedure.

  • Lodge FIR – Lodge FIR at the nearest police station and keep a copy of the FIR for future reference as well.
  • Inform to insurance service provider – You should inform to your service provider at the earliest with a copy of FIR
  • Once you receive the final report from police station, make a copy of it and submit it to your insurance company. The insurance company will assign an investigator. Investigator will make the report and submit to insurance company. Once that is done, submit the RC book of your stolen car to the insurance company.
  • Submit the duplicate keys of the car and also a subrogation letter. You will also need to submit a notarized indemnity on a stamp paper also.
  • Once all the formalities are completed, the insurance company will disburse the claim.

It is very important for us to know about the formalities of car insurance claim procedure otherwise many people are paying from their pocket due to lack of these information. Now days the entire insurance service provider’s having a very good customer support network and their teams are skilled and co-operative also so you must communicate with your insurer whenever you need it.

I wish that you don’t need these procedures. I wish you will have a Safe Drive, someone is waiting for you.

Selecting an Auto Body Repair Shop

Due to the amount of time we spend on the road the chances of us needed to find a great auto body shop may come up more than once. Most of us get a little flustered at the thought of searching for the right place that can work in your price range. No one ever knows where to start though. Here are a few tips on choosing the perfect auto body shop for you.

The first step is finding an auto body shop that will fix your car to look like the collision never happened. Some good auto body shops will only have the ability to fix your car to a point called pre-loss condition. Pre-loss condition is when the mechanic fixes your cars appearance, body structure, and keeps your cars mechanical reliability.

Next comes customer service, our favorites. Everyone has horror stories about bad customer service in numerous places of business. However, if you are calling an auto body shop that means that lives were once in danger so they should immediately ask if anyone was injured. Their chance at making money should never overshadow your needs or concerns. Many body shops are only in the business because they know that everyone will need to have their car repaired at some point. Most of those businesses do not have a skilled and knowledgeable staff. That is why it is so vital to find the right body shop so you and your insurance company are getting what you have paid for.

When dealing with your insurance company, make sure that you fight for the right to pick your own repair shop. Most insurance companies and repair shops have a deal worked out to lower the shops cost in exchange for giving them business. The shop then cuts corners and leave out steps to keep the cost down. This in turn means you are paying the insurance company the inflated premiums and your deductible but are only receiving second rate repair. The insurance company may respond saying that they can not guarantee the work of other shops but in reality all good shops guarantee their work for as long as you own that car. If a shop says that they do not have that standard, it is a sign to keep looking.

Always ask the person who is estimating your damage questions. If you are working with a smaller shop the person you are speaking with will probably be the one working directly on your car. In larger chain shops they have sales people who do the estimates and have no direct connection or knowledge about your car. The techs working on your car may not want to rewrite you an estimate to make it the correct amount. Never be afraid to ask questions if you are confused. Larger shops may have fancy equipment and tools to make people believe that they are much more advanced then other shops but in reality, those fancy tools are rarely even used in fixing your car.

Always ask the body shop about their insurance programs or DRP (direct repair programs) because this may mean they can not create their own business and need the help of a deal. Not all shops that have these programs are bad shops but it can defiantly be a red flag.

The very best way to find a good body shop is by word of mouth, so ask around. Most people would never send you to a place where they were not satisfied with the work they were given.

Now when you are stuck in a bind after a collision you will have the right information and questions to ask before selection the body shop for you. The last and the most important thing to remember is, if you ever feel uncomfortable or pressured by a body shop, move on because they may be desperate for business because they are not known for their good service.

Car Repair Loans – Do They Exist?

Car repairs are expensive. While the initial cost of a car might not be that much, bringing that same car to the mechanic can easily empty your bank account. Hundreds of people lose money every day due to a car that doesn’t work properly. If you rely upon your car to get to work, to pick up your children, and to simply get around town, you know how important your vehicle really is. But, what can you do if you just can’t afford to pay for those pricey car repairs?

Have you considered applying for a car repair loan? That’s right – car repair loans do exist. These loans are reserved exclusively for those that cannot pay for car repairs up front. While traditional lenders might provide loans to those with stellar credit, these lenders hardly every approve any kind of loan for those with poor credit. If your credit report isn’t something that you are proud of, you can take solace in knowing that there are private lenders out there that will approve a car repair loan for you – no matter what your credit report might look like.

How does this type of loan work? While customary lenders will base your loan entirely upon your credit history, other private lenders will base a loan only upon your assets. This means that your bad credit report doesn’t matter at all. All you need to have is some form of steady income, a car that’s less than eight years old, car insurance, and a clear car title. Car repair loans through bad credit lenders are the easiest and most efficient way to fix your vehicle. Car owners with no credit, bad credit, and a history of bankruptcy can gain a specific car repair loan. This type of loan is also perfect for truck drivers.

Car repairs might cost a lot, but repairing a large truck is another kind of expense altogether. If your rig needs major alterations, don’t skip another day of work. There are lots of loads out there that you might be missing out on if your truck doesn’t work properly. Still, finding the money to repair a large truck might seem like an impossible feat. If you are stuck in this situation, you should know that car repair loans can apply to you as well – regardless of your credit history.

You’ll also be happy to know that paying back this kind of loan is also easily attainable. Monthly payments will always be well within your budget, and you’ll find those repayment terms easy to follow. Why should your credit report prevent you from getting where you need to go? It shouldn’t. Instead, apply for your car repair loan online right now. Within moments, you should be approved for that loan that you so desperately need. Why put your life on hold due to car repairs? Instead of trying to scrape together the money for those large car or truck repairs, sign up for an Auto Title Loan… and get your life back in motion.

The Art of the "Invisible" Auto Body Repair

There are few good things about needing auto body repairs, nor about the fender benders, collisions, and other unfortunate circumstances that make them necessary. Besides the obvious risk of injury, the lost time chasing repairs and rental cars, and the hassle of having to figure out the insurance claims process, there are also the financial challenges. Even with the best car insurance coverage, you may have to pay a deductible. And, once your vehicle has been in an accident, the risk exists that its value could be significantly reduced. The good news is that the quality of collision damage repair after the accident can make a world of difference.

What is an Invisible Car Repair?

The concept of the “invisible” car repair is simple, although elusive. An invisible repair is one that is done so well, with such high quality materials and workmanship, that even you can’t tell the vehicle was ever damaged. You may think this means simply matching the existing paint color and finish, but it is much more than that. To be truly invisible, the damage must be repaired flawlessly on the outside, but also on the inside. Using today’s technology, many repair shops can match factory paint. But a truly invisible car repair uses high quality, original manufacturer’s replacement parts and complies exactly to the manufacturer’s specifications for your vehicle. Body damage repairs use the best of modern technology and materials, and are performed by trained, experienced service professionals. In other words, everything about the restoration is perfect, and the vehicle both looks and functions just as it did before the accident.

How Do I Find High Quality Collision Repair?

Many collision damage repair shops claim to use high quality materials and deliver flawless results, but how do you know if it’s true? How can you tell which one will make good on the promise of an invisible damage repair job? Start by asking friends, coworkers, or other trusted sources for recommendations. You won’t have a lot of time to figure this out, assuming you need to get your vehicle under repair as quickly as possible, but don’t rush the process too much. Look for a locally owned shop with history in the community. Chain or franchise shops can be qualified too, but a local small business stakes its future survival on its reputation. Ask smart questions about important issues like warranties, and the materials and equipment that will be used on your vehicle. Do they use manufacturer’s parts and specifications and do they have the technology necessary to do the job right? Are the service technicians trained, experienced, and appropriately certified? Will the shop handle your insurance claim for you? Are the customer service staff members helpful, courteous, and professional?

Finally, trust your instincts. You don’t have to know a lot about the auto body industry to know when you’ve found the right shop for your repairs, as long as you know which questions to ask. Don’t hesitate to tell the collision repair technician that you want – and expect – an “invisible” repair. If they don’t understand what you mean, you may not be in the right place!

5 Key Steps To A Successful Autobody Repair

Autobody repair can really be a daunting task and surely requires a great deal of effort to successfully accomplish. This is particularly true if you are not fully aware of the basic information on getting a vehicle repaired. Here is an overview of the basic steps which may make the process easier:

1. Get an Estimate

In order to provide the most precise estimate possible, the collision estimator in most larger autobody shops will enter all the details regarding your repairs into a programmed estimating system. A report will then be generated outlining the amount of repair that your car needs along with the costs involved.

2. Get an Insurance Approval

Once you get a repair estimate from a reputable collision repair shop, an agent from your car insurance company may require to inspect the vehicle and project their own estimate for comparison. In most cases, your local body shop work with the insurance company to ensure the figures on the car repair estimate is in line with the amount from the insurance company as well as the repair procedures to fix the damages.

3. Ordering Parts

Before any car repair work begins and in most cases, before you are asked to bring your damaged car into the autobody shop, all parts are to be ordered to ensure they are available when the actual work begins. This is to guarantee that the repairs are done as quickly and efficiently as possible, having the least amount of inconvenience to you as their customer. Occasionally, there may be the need to place a special order for parts which can then add time to the repair process.

4. Body Repair and Finishing

Depending on the severity and nature of the damage to your car, there may be a need to perform major body repairs. This repair process involves replacing damaged exterior parts and performing any necessary metal painting and finishing.

5. Inspection

When everything in your car has been put back together, a test-drive of your car is necessary in order to perform a quality control system check. This must be done to ensure that everything functions correctly after the repair. Only when you and the technician are both satisfied that the car repair process is successfully completed.

OEM Parts Versus Aftermarket In Car Insurance Repairs

In the event that your car is involved in an accident and has to go in for repairs, you will more often than not find yourself faced with the decision whether to use OEM or aftermarket parts in the repair.

It is important to note that insurance companies recommend the use of aftermarket parts, which are much cheaper. Non-OEM manufacturers say that the difference between OEM parts and aftermarket parts is negligible. The result is that most insurance companies will not reimburse the repair costs when OEM parts are used. Yet where aftermarket parts are utilized, you will get a 100 per cent refund of the costs that you end up incurring. This means that when a policy hold insists on using quality OEM parts they wil only get refunded the difference it would have cost had they used non-OEM parts. This can be a huge sum of money because in many cases OEM auto parts usually cost double what non-OEM or aftermarket parts will cost you.

Manufacturers of OEM parts and other advocates of it claim that after market parts are not subject to the same rigorous crash-testing procedures that OEM parts go through. The implication is that non-OEM parts are not as safe as OEM parts. This is however contradicted by the Insurance institute for Highway Safety (IIHS) who say that repairs with aftermarket parts does not degrade the safety of an automobile in a crash.

However what everybody knows is that the use of aftermarket parts decreases a vehicle’s resale value. This will greatly concern those who plan on reselling or trading in their cars.

You will have to make the final decision on whether or not to use OEM parts for your repair. If it is a high-end vehicle you may be forced to for OEM, even if you have to foot a substantial part of the repair bill, which will not be covered by your car insurance company.

Understanding the Auto Insurance Claims Process

If you own a car, truck, motorcycle or any other vehicle, you know you need related insurance. All is good as long as you pay your monthly premium and do not make a claim.

Then you are involved in an accident. What then?

For many auto insurance policyholders, the auto insurance claim process is very, very complicated. Here, we bring you the basics of understanding with the following oft-repeated questions.

How long does it generally take to process an auto insurance claim?

A: If the insurance company has all the facts, a settlement should be achieved fairly quickly. By providing much of the details involved in the collision, the policyholder him or herself will help get the process off the ground. Any insurance company worth its reputation will do its utmost to process the claim as efficiently as possible.

Why is the estimated cost of repairs less than the actual payment check?

A: This is because the auto policyholder must first pay out-of-pocket for the deductible. Only after this, is the remaining balance given through a check.

What is the reason for the auto lien holder to be placed on the insurance payment check?

A: Many states make this a requirement for the simple reason that the lien holder has an insurable interest in the repair work done on the vehicle. In order for the policyholder to get the funding for the repair, he or she must be in touch with the lien holder.

What is the meaning of Direction of Payment?

A: Most auto repair shops require you to sign a Direction of Payment form so that they have documented evidence that the insurance company has permission to pay them for the repair work they complete.

What is common practice of insurance companies in regard to rental cars during the time the insured car is in the shop for repairs?

A: Most times, an insurance company will supply a rental car if the insured car is inoperable and in for repairs.

What about towing costs?

A: Generally speaking, towing is a covered service provided by the auto insurance company following an accident.

What is the procedure if the insured incurs injury during an auto accident?

A: The policyholder should be in touch with the insurance company if he or she is injured. The claims person will inform the policyholder about the related medical care and treatments that are covered under the policy.

Insurance Claim Supplements – How to Submit Claim Supplements

A claim supplement is a claim for additional repair or replacement costs. Supplements are commonplace in the claims process. However, if you are a policyholder unaware of your policy rights, you could be walking away from hundreds or thousands of dollars that you are entitled to collect.

Claim supplements usually occur after a policyholder submits a claim, gets paid and gets the repairs or replacements completed. Then, additional damage is discovered some time later.

Many people erroneously think that, once the claim is closed, it cannot be re-opened. And, insurance companies and their adjusters usually don’t rush to tell you how to submit a claim supplement. So, what to do? Let’s look at car insurance claims and property insurance claims.

For any kind of supplemental claim, you must contact your insurance company and give them your original claim number. The best way to notify the company is in writing, sent Certified Mail. That way, you’ll know who signed for the letter. The insurer will have to re-open the claim. You might get the same adjuster as before, but maybe not.

Car Insurance Supplemental Claims

Lots of supplements happen when cars are getting repaired. Many times, hidden damages are discovered when the body shop begins dismantling the car. So, while the insurance company may have issued payment to the body shop from the original repair estimate, they will issue a second check for the supplemental repairs. Happens all the time, no big deal.

However, sometimes post-repair problems don’t show up right away. A good example is the Air Conditioning system. If you have a car wreck in July, you might not notice that your heater is malfunctioning until fall or winter. But when any damages are discovered that can be directly related to the original insured loss, you can submit a supplement. Simply document the damages and their cause and send the supplement to the insurance company. No additional deductible is assessed, since you already paid it once.

Property Insurance Supplemental Claims

Homeowners, Renters or Business insurance claims can find a need for a supplemental claim for some of the same reasons found in car insurance claims. Seasonal issues can bring up damages related to the original loss. But, some other issues might present themselves. You may have an expert’s report that shows additional damage attributable to the original loss. Your contractor may have found hidden damage that must be repaired. In any event, carefully document your claim and submit it to the insurance company.

Be sure that you are collecting all the money you are entitled to collect. Use supplemental claims whenever your claim requires it.

If you have experienced a property loss, whether fire, wind, flood or other, you need to know winning insurance claim strategies. The insurance company will not tell you the claims process, but I will. I will show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, go to the website listed below.

Affordable Car Insurance Online

As I open the renewal for my car insurance I am gob smacked at the increase of costs from one year to the next. It seems loyalty to any one company does not pay to stay with just the one provider. In years gone by I would let my fingers do the walking and trawl through the yellow pages ringing provider after provider to get the best possible deal. From this information I would draw up a spreadsheet noting all the benefits I was looking for and other columns on costs and pros and costs.This was a cumbersome and time consuming to be able to then find the best value for money, and believe me in hard times people dig in a little deeper to ensure that their dollars go further.Today though we are all so spoilt, online you have all of the calculators at your fingertips. Here are a few tips that I have found helpful not only for car but for any insurance that I would be sourcing.• I have the registration papers beside me giving me all the car details such as make, model and any other modifications the car has had.
• Check to see if there is a further reward for being a driver that has not claimed and has a good driving record.
• Enquire if there is a discount for seniors (if applicable)
• Look also does the company offer monthly payments – this helps balance a family budget, also is there any larger cost incurred if monthly payments are used
• Will the provider offer discount for paying 12 months insurance
• If your car has thief deterrent gadget fitted can sometimes reduce premiums
• You will be charged more for your car insurance if the area you live in experiences a lot of car stealing or break ins.
• Cars that are garaged rather than parked on the street will pay less for their insuranceWith all the right paperwork in front of me it is simply task to fill in the details quiet simply online and this then allows the computer to do the work for me in minutes what used to take me half a week in research.If you are a young driver with little to no experience you will be paying more in premiums as due to your inexperience insurance companies see you as a risk. Also it is important to note to include the drivers that will be driving the car as you may void your policy if the younger driver is not mentioned on your policy.Whatever you do search online for the best possible deal at the end of the day this will save you many dollars.