Will My Auto Insurance Cover Me If I’m in an Accident Out of State?

One of the best parts of living in the United States is the fact that we can, any time we want to, hop behind the wheel of our car and drive to destinations unknown to see any of the 50 states. Nobody’s going to ask for a passport, nobody’s going to ask what you’re doing. They’re just going to smile, wave and drive on. But is your auto insurance going to make sure you’re protected when you slip across state lines?

The good news is, nine times out of ten the answer to that is going to be yes. In the eyes of most auto repair shops American auto insurance is American auto insurance, and as long as your insurance carrier decides to ante up when it’s time to pay the bill they don’t care which state you happen to be from. You’re pretty much free to come and go as you please.

There are, however, a couple of things you need to know about driving out of state. First and foremost, every state has a different minimum driving age. While you can get a permit when you’re fifteen (and a half) in Virginia you have ot wait until you’re sixteen in New York, which means driving around with a VA Learner’s Permit up north is asking for trouble. Other states enforce strict curfews for drivers under 18. If you have a new driver in the house, make sure you check out the rules of the road before you go traveling.

How much liability insurance are you carrying? Technically you’re not required to meet the minimum liability coverage requirements of another state just because you happen to be driving through it, but you are still going to be responsible for any damages above and beyond your maximum coverage levels-and most judges really, really hate dealing with out of state drivers. Not your fault, there are just some people that like to roll through town and cause trouble and leave everybody else to deal with the consequences.

Regardless, the last thing you want to do is spend the rest of your life paying damages to an out of state court. That means you want to make sure your liability coverage is geared up and and ready to handle whatever life (or the California by-ways) happen to toss your way. Most experts suggest that you carry a minimum of $100,000 per person and $300,000 per incident in liability auto insurance to cover any auto insurance claims that happen to pop up, regardless of what part of the country you happen to call home.

Your auto insurance company is one of the most important resources you’re going to have when you start traveling, so make sure it’s ready. Then kick back and enjoy your vacation. You’ve earned it.

6 Types Of Auto Insurance Coverage That First-Time Car Owners Need To Know

But, it still doesn’t take away the importance of covering your car with a good auto insurance plan, since you don’t know what will happen to your car later.

For instance, in the time of a big accident, you need to pay all of the fixing up costs by yourself if you don’t cover your car with a good car insurance plan. Thus, you don’t need to pay a dime just to get your car fixed when accidents happen. It is also the same with other unexpected things, such as theft, disaster, and faulty vehicle.

Here are 6 types of auto insurance coverage that first-time car owners need to know:

1. Accidents. Accidents happen at unexpected times. It can be caused by your own recklessness, or it can be caused by the recklessness of other drivers. Also, accidents can happen because of disasters, such as floods or fire. The point is that if your car is damaged because of any accidents, the auto insurance company will cover the cost of repair for your car.

2. Faulty car. Maybe, you are driving for a few miles down the road, and then in the middle of your travel, your car is faulty. The engine is in trouble and the car cannot move, or your tire is flat. This can become quite a problem for you. But fortunately, the insurance company will cover the cost of repairing your car in this emergency situation. Some companies might also offer roadside assistance for their clients.

3. Car make and model. The make and model of your car will also affect the type of car insurance that you get. If you have a brand new car, or if you purchase a luxury car, you will have a better coverage for damage. But, you need to pay more for the premium, since it might cost more money to repair the damage of your car. This is different if you buy a second-hand car with long mileage.

4. Personal fault. Sometimes, you might be driving your car, and because of your carelessness, you might cause an accident with other cars. Other cars may sustain some damages because of the accident, and other drivers may also need to be sent to the hospital. The car insurance plan usually provides the coverage cost for the car damage or medical problems caused by your personal fault.

5. Non-insured driver. The auto insurance company also offers the coverage for non-insured driver at the time when the driver causes an accident that creates damages for other cars. In this way, you don’t need to pay all the financial burdens by yourself, since the car insurance company will cover the cost for you.

6. Driver’s experience. If you are not too experienced with cars, then you might fall into the high-risk category for the car insurance company, since you will most likely to have accidents on the road. Thus, you usually need to pay more premium costs, but in exchange for that, you get better coverage for any damage. If you are already an experienced driver, you will fall into the low-risk category, and you will pay lower insurance costs since you may not file insurance claims often.

How to Select an Auto Repair Shop

Selecting an auto body repair shop can be a bewildering and confusing experience. There are hundreds of shops to choose from in any city and they all claim to offer the best prices, the fastest service, and the highest quality. Can they all be trusted? Or should you be on the lookout for scam artists and individuals trying to take advantage of unsuspecting customers?

Choose Value for Auto Body Repair

Low prices are an attractive promotion, but it is not always best to just go with the body shop that is offering the lowest priced repair. Though most body shops do honest work, there are some that cut corners or install used parts with informing customers just so they can lure people in with rock-bottom pricing. Getting value for car repairs is paramount – value is the combination of reasonable pricing and high quality work completed in a fair amount of time.

Protecting Yourself and Getting the Most out of an Auto Repair Shop

Before deciding on the low bid, or any price quote, find out more about the body shop. Do some research on the Internet and ask around for any reviews and testimonials. There are great online review sites on which people give unsolicited opinions about their experiences with local businesses. Any auto body shop you are considering should have mostly positive reviews – don’t let a few negative ones scare you away as almost all businesses will have a few dissatisfied customers from time to time.

A recent trend in the industry are the use of auto accident consultants. These individuals or companies have established relationships with a network of auto repair specialists and can offer understanding and insight into the workings of the industry. Car crash consultants are often able to offer connections to legitimate repair specialists and may even be able to save you money on a car repair.

The other way to protect yourself is to ask your insurance agent or carrier. Though you are not required to use a body shop they recommend, they do work with a variety of different legitimate repair shops. Using a recommendation from your insurance company may not mean you will get the lowest price, but it will ensure that your insurance company will not balk at paying the balance due.

Finding the right auto body shop can be frustrating, but the frustration level can be reduced with a little research and effort. Spend some time on the Internet, and talk to family, friends, neighbors, and peers. One last piece of advice – get at least three quotes before you select a shop. Shopping around may take a little extra time, but it is often worth the effort.

Tips, Tricks, And Advice On Auto Insurance

Don’t put yourself at risk of the financial burden by not having auto insurance for yourself or your teen drivers! Having auto insurance protects you and helps offset costs, should you be in a car accident. Use the following tips to pick the right auto insurance company to fit you or your teen driver’s needs.

As you choose car insurance, be sure to properly protect yourself when it comes to liability for property damage and bodily injury. The right amount of coverage in this area can make a big difference in the event of an accident. Not having enough coverage can leave you with a lawsuit that can be hard to recover from.

When insuring a teenage driver, lower your car insurance costs by asking about all the eligible discounts. Insurance companies generally have a discount for good students, teenage drivers with good driving records, and teenage drivers who have taken a defensive driving course. Discounts are also available if your teenager is only an occasional driver.

When considering insurance for a young driver, it is wise to not purchase an expensive car. Rates are high enough for teenagers, they will skyrocket depending on the type and worth of a car. In this situation, safety is one of the highest factors affecting insurance costs.

One of the best ways to drop your auto insurance rates is to show the insurance company that you are a safe, reliable driver. To do this, you should think about attending a safe-driving course. These courses are affordable, quick, and you could end up saving thousands of dollars over the life of your insurance policy.

When shopping for an auto insurance policy, most companies are going to offer extras like towing, road-side assistance, GPS services, and other add-ons. These may come in handy if you’re ever in a pinch, but they can be really expensive. Say no to these extras in order to save money on your insurance.

There are a lot of factors that determine the cost of your automobile insurance. Your age, sex, marital status and location all play a factor. While you can’t change most of those, and few people would move or get married to save money on car insurance, you can control the type of car you drive, which also plays a role. Choose cars with lots of safety options and anti-theft systems in place.

Check into how much you would save by using the same insurer for both your home and your car. Some companies offer a discount if you have multiple policies with them. The majority of companies today do insure a variety of items, so it is a good idea to look into the possibility.

To make sure you’re getting fair pricing in your premiums, verify that your reported information is accurate in your policy. For example, ensure that the make/model of your vehicle is correct, the number of miles on the vehicle when you took out the policy, etc. Even your reported commuting distance is important as shorter commuting distances can have a positive effect on your premium savings.

You will want to make sure to contact your insurance company if you get a divorce and no longer want your ex to be on your policy. If they get into an accident while they are on your insurance policy, it could cause your rates to go up, and you will have to pay for their mistake for the rest of the time you have a policy with that company.

When you purchase a new car, you should keep your insurance rates in mind and look for the best safety features you can get. Safer cars are cheaper to insure. Because insurance companies are responsible for medical liability, they will charge a lower premium for safe cars that minimize injuries in an accident.

Know the laws in your state concerning auto insurance. In almost every state, car insurance is compulsory. You can face stiff fines and penalties for not carrying adequate car insurance. Some states are even known to jail repeat no-insurance violators. Educating yourself is important so that you can comply with the laws.

When trying to decide on an insurance company for your auto insurance, you should check into the department of insurance from your state. You will find some valuable information there which will include closed insurance cases, important financial data as well as licensing information. This research will help you decide if you feel comfortable trusting this insurance company.

Pay for your auto insurance coverage in one payment up front. When you pay in full you will not be charged interest charges as you would if you were paying monthly. This means some companies also offer you a discount if your coverage is paid for ahead of time. Monthly payments can be convenient, but they may not be as affordable as you would like.

If you live in an urban area or an area where there are many wild animals, you may want to consider animal collision on your insurance. Repairing a car after you have hit an animal, especially a large one, can cost you thousands of dollars. Animal collision covers all of these costs.

A big part of setting the cost for your auto insurance premiums has to do with the type of car that you drive. Remember that when you are in the market for a new car – cars that are more expensive to repair, for example, will often result in higher insurance rates.

Ensure that your car insurance plan pays up front for car rentals. Drivers whose policies do not include rental coverage may wish to secure additional insurance for this purpose. The extra policy can be as much as $20 per day. If your car requires major repairs, you could be paying for quite a while.

Don’t allow your teen or yourself to drive without auto insurance. Car accidents and car repairs can be incredibly expensive. Having auto insurance before something happens is important so you can protect you and your family from a financial struggle! Use the tips above to get auto insurance today!

Auto Repair Guides

Auto repair guides explain the maintenance, repair, and cleaning of automotive supplies. These are guides meant for home users as well as professionals. Nowadays, these are available in electronic versions, and there are many software packages available to diagnose and fix automotive problems.

Major companies in this industry such as Ford, Mercedes, Chevrolet, and Volkswagen provide electronic auto repair guides so that even amateur users can learn a lot about auto repair. Auto repair guides usually tell you how repairs are done on all major parts of an automobile including the brake system, cooling system, electrical system, engine system, A/C-heat system, body and exterior, exhaust system, fuel system, steering and suspension system, and drive train.

A number of good online auto repair guides are provided free on selected websites. These sites provide useful articles and FAQs that enable you to learn the techniques of auto repair step by step.

Lots of auto repair guides tell you how to do simple auto repair jobs at home.

They also help you find quality used auto parts. Lots of auto repair guides also give you advice on auto repair shops in major cities. Auto repair guides also provide information on auto insurance, car rentals, driving schools and car washes. They help you learn more about automotive maintenance, car accessories and car audio systems.

At the most basic level, general auto repair guides walk you through some of the most basic maintenance and repair processes that are common to all vehicles. If you are new to auto repair, these may help you a lot. Auto repair guides also tell you how to choose a repair shop and how to choose a technician. They provide you with an idea about repair charges and preventive maintenance too. You can learn a lot about protecting your auto repair investment from these guides.

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.

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!

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.