AUTO INSURANCE

How Choosing a car insurance Logically

2011-11-26T15:29:00.000-08:00

How Choosing a car insurance is not easy. Especially in the midst of fierce competition today. Almost all insurance companies have vehicle insurance products. Stay prospective customers to choose which one decent take. Therefore below we present some criteria so that no one choose:
1.
Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily a guarantee of service.
2.
See the insurance package offered. For example extensive warranties to how much. Therefore, extensive collateral should be adjusted with the desire and ability to prospective customers.
3.
See also the network of insurance companies concerned. For example how many have a branch office or how many partners have a garage, so that there is a claim did not wait long to repair the vehicle or vehicles reported missing.
4.
Could be asked first ease, facility or what added value can be obtained when purchasing policy in the company. For example, if there is a tow truck, car replacement or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the ease in question.
5.
Consider also the insurance company's bonafides. Do not get so there is a claim, the workshop did not have a partner. Therefore, many insurance companies claim they are the best. Whereas financial condition was very severe.

In addition to those mentioned above, there are several factors that should be considered in the process of selecting an insurance company, including in selecting products. The thing to keep in mind that in choosing a private insurance company, then that should be considered in general are the three factors.

First, the financial strength (security). Second, the service (service). And third, the cost or burden. The financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, a vehicle that good directors. But when there claims from customers, the company can not pay.

In assessing the financial strength of these there are several benchmarks that need attention.
a.

Assets and liabilities. This can be seen from the financial balance sheet is published in the newspaper. See also, whether the investment is planted in the current or longterm. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts by reinsurers, how he fulfilled his obligation to pay claims, and so forth.

Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Capital is divided into `gross` premiums (gross premiums) of at least 20%. Limit the level of solvency, as seen from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by a minimum of 100%.
b.
Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting policy was good.
c.
Underwriters him. Insurance has personnel qualified or not. It is known from the profile of companies that includes the underwriters him.

Services (service) is the mirror the extent to which human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim.

In addition, about the service can actually be felt by the customer. Is this insurance company was absolutely the best service for its customers.

In this connection should also be questioned, whether this insurance company in reinsurance mereasuransikan class safety. This can be seen from its annual report. It is important to note, because if the company is not backed up by reinsurance, the company is likely to be speculative in receiving the premiums.

The issue is how much the costs incurred by insurance companies in operation. If it is greater than the cost of income, then obviously the company is not efficient. If it's not efficient, it will end up losing money. And, if you continually lose money, certainly not healthy.

In this connection can also see the price premiums. Compare prices of insurance premiums with other insurance. Which is really good quality.
Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (Risk Base Caital). If the RBC number was large, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, it could also be a large company that is doing great expansion like to open many branches, then his RBC numbers would be small.

Conversely, there is a small insurance company but never to expand, the RBC number was probably much greater.

So, RBC numbers can not be used as the sole measure of whether the insurance company is healthy or not.

In this case, also noteworthy is the company's performance in two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.

And, last but not least is how the company's management behavior over the years. Is there a management company for this broken promise? Has this company experienced management and other defaults.

Prospective customers do not dwell on the cheap premium rates. Because, in today’s competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily a guarantee of service
See the insurance package offered. For example extensive warranties to how much. Therefore, extensive collateral should be adjusted with the desire and ability to prospective customers.
See also the network of insurance companies concerned. For example how many have a branch office or how many partners have a garage, so that there is a claim did not wait long to repair the vehicle or vehicles reported missing.
Could be asked first ease, facility or what added value can be obtained when purchasing policy in the company. For example, if there is a tow truck, car replacement or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the ease in question.
Consider also the insurance company’s bonafides. Do not get so there is a claim, the workshop did not have a partner. Therefore, many insurance companies claim they are the best. Whereas financial condition was very severe.

Advantages of one day auto insurance

2011-09-09T00:45:00.000-07:00

Advantages of one day auto insurance The British government was illegal to drive on public roads in 1930. Since then, the law has changed in this regard, very little. Auto insurance is still needed, and of course the U.S. is similar to the law. Almost every state in the United States has done the compulsory insurance. In the UK a person has third party insurance against damage or loss, at least. Third party cover if you cause injury. You pay for the damage caused to you and the rest of the vehicle and other persons in an accident.

Although not required to have a third party, fire and theft is a very good idea. This is especially true of a nice car that could be chosen by the thieves. Car models that are the oldest fire hazard may also want to have a blanket over them. With any third party fire and theft protection obtained with the same third party fire and theft protection. You do not have to worry if your vehicle is stolen, your insurance company will pay you replacement value. The same is true if your car catches fire.

The more expensive the insurance is to make complete. Almost all of this is covered by insurance. The damage is still involved. You can cause an accident and the insurance company pays to repair the car. Although it is the third most expensive is usually necessary to increase the price if you can afford it. Most of the time, if you pay the installments, the bank requires you to make insurance coverage. Another thing that is generally used in short-term car insurance. This declaration must be done to bring short period of time insurance. You can get the most out of a single insurance policy of 28 days.

It 'the perfect disc just bought the car, or when you lend your car to a friend. Maybe you need to use the van for a few days to move the house. When you buy a short term car insurance will protect you from an accident without having to spend a lot of money. Even if the coverage is usually extended, it is cheaper than replacing the annual policy, borrowed a car.

Another good thing about auto insurance in the short term is that it can prevent any claim of annual passes and the political ruin of the money you save with a discount of any claims. This discount can add hundreds of pounds. If you have had your no claims rule in place for five years or more can save 65% of your bill. Why ruin the chances of the savings by taking unnecessary risks.

When someone wants to borrow the car make sure to buy short-term car insurance, and do not take claims discount intact. Perhaps the family is coming to town to visit, and they need to use the vehicle, while I'm here. Use one day and the insurance covers the car. You could add up to big savings when it comes to compensation claims can not reduce

How to get one day car insurance for your vehicle

2011-09-09T00:44:00.000-07:00

Nowadays it is possible to get one day car insurance for your vehicle. This is especially nice when you buy a new car. Instead of having to leave your new car behind for a day or two, until you can get long term insurance on it, you can purchase short term that just lasts a day or two. This will allow you to drive the car home right away and give you time to get more permanent insurance cover.

One day car insurance actually has many uses and it is easy to purchase. All you need to do is go online or make a phone call. You will have to answer a few questions about your driving record and other pertinent information. It is really easy to take care of this online. You can even use a debit or credit card to pay for the purchase. You can let the insurance company know in advance if you want or you can contact them when you need it.

There are a few rules usually, that may apply. In most cases you will have to be at least 25 years old and have been driving for a certain number of years. You may have to have a driving record that is pretty clean, no marks or very few marks. Sometimes insurance companies will not allow certain cars. Ones that you may have difficulty with are cars with modifications. The insurance companies are in control of these rules and some may have different rules. These requirements are all about limiting the risk to the company, while making the process of getting cover as simple as possible.

Some of the best times to use one day car insurance are when your relatives are coming for a visit and will need to use your car, when you need to borrow someone's car for a day or two, when you go on holiday and want someone to help you drive.

Usually one day car insurance is comprehensive cover and will cover just about any eventuality. It will cover your vehicle and the other vehicles that may be in an accident with you. It will cover everyone's injuries and it will pay for theft of the vehicle. This is a good way to keep your annual policy low. When you have a no claim discount on your regular insurance it will not be affected if you put in the claim on one day insurance. Since your no claim discount can add up to as much as 65% discount it is nothing you want to risk losing.

Car insurance is mandatory in the UK and the US. Every vehicle on public roadways must be insured. It does not matter how old you are or how long you have been driving. There are no exclusions. Make sure you have insurance on your new vehicle when you drive it home. You can purchase one day car insurance for a day or a month. There are a limited number of days that you are allowed to get short term car insurance, however. If you want to save some money then you really should contact an insurance agency and check the prices of the short term insurance.

Insurance is good coverage on their car

2011-09-09T00:42:00.000-07:00

Everyone needs a good coverage on their car. This is known as auto insurance or French, auto backup. Differently there. In addition, different people will be charged in different ways a number of factors. Finding the right coverage is easy.

It is illegal to drive an uninsured vehicle. Some people may try to run outside. This is a bad idea, because getting caught would end up costing more in legal fees. There is some very affordable coverage, but must first decide which type is most ideal.

The cheapest type is a liability. This is the simplest. It only covers damage done nothing of the vehicle. Do not pay for the damage made the car insured. Payment for injury or medical expenses can be scarce.

At the other end of the spectrum is Umbrella Insurance. That kind of covers all accidents. Not surprisingly, the most expensive.

There are other things to consider beyond the costs and the environment. Some regions have a high rate of auto theft. In this scenario a person wants to protect that. A person may also want coverage against theft if they have a sound system or an expensive luxury car.

The prices are not only different in terms of insurance, but also about who is to get insured. Agencies to periodically check the driving records and people who are at high risk will be charged more. Some things can be done for them cheaply.

One of the high-risk drivers, which is a great bonus for new drivers. This is only because of their inexperience, and that the agency has no previous record to assess their driving skills. Other people who have high insurance premiums are the people who are caught driving under the influence of drugs and alcohol are the people who have received a lot of tickets.

There are ways for these people to lower their rates. One way is to take lessons to improve your driving skills while driving. Most young drivers can reduce their prices to get good grades. This is because students who are in higher grades were found to be more responsible drivers.

There are a number of different forms of insurance. One way is becoming very popular is to go online and get a free estimate. In this way, does not take much time to get a number of different estimates.

Car Insurance for Low cost but high advantage

2011-09-09T00:40:00.000-07:00

Car Insurance for Low cost but high advantage In today's economy, everyone is looking for ways to save money. Many people look at the car cover as a necessary evil. The state requires you to wear it, but it may seem that if you get something in return. The trend may be looking for a cheap car insurance and pay as little as possible for her. The reality is that you may have to buy more coverage rather than less.

Chances are you will be involved in an accident. It does not matter how good a driver you are, because there are many others on the road, it is not. Any number of distractions can cause someone to lose focus for just a few seconds, which is all you need to make a mistake that could be critical. Almost everyone will be involved in at least one event a point in their lives, and often it will be more than one.

If you are responsible for the death or injury to others, you will pay. It will not make a difference why the accident happened, or what event caused the loss of control, if the accident happens to be your fault, you are responsible. This liability could amount to thousands of dollars.

You could lose everything if you have adequate coverage. A simple Fender Bender could easily be covered with basic protection. However, if you are responsible for an incident involving several vehicles, or for injuries or deaths that result, insurance coverage may be exhausted and have to come to rest.

Your coverage also protects against events beyond their control, like an animal running in front of your car, or damage to your vehicle while in a park or the street. Acts of nature such as hailstorms, tornadoes, floods may also result in a loss for you. By protecting against all odds you can be ready if something were to happen.

Accidents happen, regardless of their best efforts to prevent, the key is to be prepared for the necessary protection to cover possible situations. Buying insurance, so you can pay to make sure you are not left in ruins due to a simple mistake or miscalculation or action of another person. Cheaper is not always better.

See how easy it is to find low cost ins policies today. You can get details about the pros and cons of investing in a cheap car insurance now

Cheapest Auto insurance you can afford

2011-09-09T00:35:00.000-07:00

Cheapest Auto insurance you can afford If you are young and have a car, get it guaranteed to be a nightmare. Young drivers perceived as high risk drivers because of their inexperience behind the wheel and because of their premiums are sky high. Some youth are lucky to have parents who are willing to ensure their car for them can save them thousands of pounds in insurance each year. Others on hand will have to swallow the bitter pill and pay their own insurance. Or worse, choose to drive without insurance at all.

The average price of young male driver insurance is £ 4000 a year and a young female pilot at about 2000 pounds, so if you have secured your vehicle is important to find the cheapest deal out there. What opportunities do you offer depends on how much you are young and the price of the car, but also what kind of vehicle you own. So it is important to make sure you have the right car for the best deals. If you are between 17-18 years and cost between £ 600 and car £ 10,000, these are the five cars you should choose the best offer of insurance:

1. The new Ford Ka is the cheapest car to convince young drivers. The average altitude is about 1650 pounds a year. Old Ford Ka models is the second cheapest car insurance for young people, the average cost of £ 1780. For an older model in just 300 pounds, but the 2011 model costs from € 7400.

2. Peugeot 107 is the cheapest car to carry out the third 17-18 years at a cost of £ 1,994 per year. And buying a used from a dealer you should expect to pay around £ 2600 for a 2006 model. Interestingly, the same car as the Citroën C1, but £ 300 cheaper than the Citroen to secure.

Third fourth cheapest car to insure is tiny Daewoo Matiz, which is essentially a city car. The average cost of insurance was quoted at £ 2258.

4th But if you want something cooler than what was previously mentioned, the new Mini One be just the thing. Insurance costs average £ 2269 and a 2003 model will cost around £ 2500 for a dealer.

So if you have to pay for your car insurance yourself, be sure to choose a car you can afford to maintain and perhaps try one of the above. To see the new and the old model Ford Ka, Kent is an area where you will find several dealers.

Amy Sawyer is a branch of online marketing is investigating

3 BEST AUTO INSURANCE BY REVIEWS

2011-06-12T23:23:00.000-07:00

3 BEST AUTO INSURANCE BY REVIEWS number 1 Amica Mutual Auto Insurance

Reviewers say Amica Mutual is the best auto insurance -- if you qualify. Customers say Amica is very picky about its clients, shying away from those who pose much risk. Drivers who've had several accidents or tickets will probably have better luck with a huge company like State Farm, experts say. But State Farm -- like the vast majority of auto insurers -- gets lower ratings than Amica for price and customer satisfaction. Reviewers and customers say Amica offers the total package: great car insurance rates, helpful customer service, hassle-free claims and long-term stability. Amica is America's oldest mutual auto insurer and is named an accredited business at the Better Business Bureau with an A-plus rating. Although Amica has scattered regional offices, it does most of its business over the phone. One other insurance company, USAA, gets similarly superb ratings, but it's open only to military families.

J.D. Power and Associates provides the best overview of Amica Mutual, rating it (and 33 other companies) on 15 measures based on large consumer surveys. ConsumerReports.org also compares Amica with 21 other companies based on reliable surveys, but the report is only available to subscribers. The Better Business Bureau rates Amica's trustworthiness, and the New York State Insurance Department ranks it against 39 other auto insurers based on customer complaints filed there. We found plenty of consumer reviews at Epinions.com, positive and negative. Amica earns an "OK to buy" rating at the website Fight Bad-faith Insurance Companies, but the site gives only vague information about how that rating is calculated -- and no information about who runs the site.

Pros

* Outstanding customer service
* Pays claims promptly
* Low prices
* Better Business Bureau accreditation
* Serves all states except Hawaii

Cons

* Very picky about clients, reviewers say
* Few local agents

1. J.D. Power & Associates

Amica Mutual ranks at or near the top of every J.D. Power and Associates insurance survey. Customers give it high marks for price, claims and service, but Amica does lose points in the local-agent category as it does most of its business over the phone.

Review: Insurance Ratings, Editors of J.D. Power and Associates

2. ConsumerReports.orgDetails/Subscribe

Amica Mutual is one of 22 car-insurance companies rated in this most recent ConsumerReports.org survey. Editors rank the companies from best to worst based on a survey of 28,241 people who filed claims with their auto insurers between January 2006 and June 2009.

Review: Auto Insurer Ratings, Editors of ConsumerReports.org, Oct. 2010

3. Better Business Bureau

Amica Mutual has been an accredited business with the Better Business Bureau since 1957, and it earns the highest grade of A-plus on its trustworthiness. This report includes general information about the 23 Better Business Bureau complaints filed against Amica within the past three years and how Amica handled them.

Review: BBB Business Review Reliability Report for Amica Mutual Insurance Company, Editors of Better Business Bureau

4. New York State Insurance Department

Amica Mutual is one of three auto insurers that have topped this chart for four years running. The chart shows the number of complaints that New York regulators have upheld against 40 major auto insurers, relative to their size.

Review: 2010 Annual Ranking of Automobile Insurance Complaints, Editors of New York State Insurance Department

5. Epinions.com

Amica earns an average of 3.5 out of 5 stars from more than 40 consumers here. It gets a lot of 5-star ratings full of praise, but several reviewers say they've had claims problems and rate hikes, and that Amica found them too risky to cover.

Review: Amica -- Auto, Contributors to Epinions.com

6. Fight Bad-faith Insurance Companies

Amica is one of only three insurance companies rated "OK to buy" at this website, which puts 100 insurers into Hall of Fame and Hall of Shame categories. FBIC says it's a nonprofit, but it gives no information about who runs it.

Review: FBIC Ranking 100, Editors of Fight Bad-faith Insurance Companies

3 BEST AUTO INSURANCE BY REVIEWS number 2 USAA Auto Insurance

If you're in the military, reviews say you've got the best auto insurance option anywhere. The United Services Automobile Association (USAA) tops just about every auto insurance ratings chart there is. It's financially strong, earning the highest possible scores at all five ratings services (Moody's, Standard & Poor's, A.M. Best, Fitch Ratings and Weiss Ratings). Customers say USAA reps are extremely helpful, and most report no problems with claims, although a few claimants say they've gotten a runaround from USAA. Reviews praise USAA's low prices, but it's also a favorite among wealthy military and former military clients. However, only current or former military personnel are eligible, as are the children of policyholders.

J.D. Power and Associates provides the most thorough analysis of USAA, ranking it against 33 other insurers based on 15 criteria (including price and overall claims experience) from thousands of owner surveys. ConsumerReports.org does similar rankings, but you must be a subscriber to read them. The New York State Insurance Department ranks USAA against 39 other auto insurers based on customer complaints filed there. Weiss Ratings lists USAA among the top auto insurers based on its financial strength. Epinions.com has lots of consumer reviews for USAA, positive and negative.

Pros

* Helpful customer service
* No-hassle claims
* Low prices
* Exceptional financial strength

Cons

* Open only to military families

Where to Buy

* Check rates at USAA

1. J.D. Power & Associates

USAA earns the highest possible ratings in nearly every category in J.D. Power and Associates' latest insurance survey of more than 25,000 policyholders. However, USAA is only open to military families.

Review: Insurance Ratings, Editors of J.D. Power and Associates

2. ConsumerReports.orgDetails/Subscribe

USAA is among the 22 car-insurance companies ranked in ConsumerReports.org's most recent survey. Editors surveyed 28,241 people who filed claims with their auto insurers between January 2006 and June 2009. Each company is rated on claims problems, non-claims problems and timely payment.

Review: Auto Insurer Ratings, Editors of ConsumerReports.org, Oct. 2010

3. New York State Insurance Department

USAA is one of three auto insurers that have topped this chart for four years in a row. The review ranks 40 auto-insurance companies according to their "complaint ratios" -- the number of complaints that New York regulators have upheld against them, relative to company size.

Review: 2010 Annual Ranking of Automobile Insurance Complaints, Editors of New York State Insurance Department

4. Weiss Ratings

USAA is one of the four financially strongest auto insurance companies in America, according to Weiss Ratings, which is owned by TheStreet.com. ConsumerReports.org says TheStreet.com's financial ratings are more stringent than Standard & Poor's, Moody's or A.M. Best's.

Review: Property and Casualty Insurers, Editors of Weiss Ratings

5. Insurance Journal

USAA is the favorite property/casualty insurer of the wealthy, according to this report on a survey by the Luxury Institute market-research firm. More than 2,100 households with at least $200,000 in gross yearly income and a minimum net worth of $750,000 were surveyed.

Review: High Net Worth Consumers Rank USAA, Chubb, and American Family Top Three P/C Insurers, Editors of Insurance Journal, May 19, 2006

6. Epinions.com

USAA is the most consistently top-rated auto insurer at Epinions.com, earning an average of 4.5 stars (out of 5) from more than 180 consumers. However, a few say they've had bad claims experiences.

Review: USAA Group -- Auto, Contributors to Epinions.com

3 BEST AUTO INSURANCE BY REVIEWS number 3 State Farm Auto Insurance

If other auto insurers won't accept you because you've had wrecks or tickets, experts say you might try State Farm. It's the biggest auto insurer in the U.S. and Canada, and although it doesn't offer the lowest prices, reviews say State Farm is more likely to take a chance on a higher-risk driver than a top-rated, small car-insurance company like Amica Mutual. Unlike Amica and a lot of other insurers, State Farm still works through local agents -- and reviews say some agents are better than others. State Farm gets its share of complaints about poor customer service and wrongfully denied claims. However, it gets better reviews than other mega-insurers like Allstate.

J.D. Power and Associates offers easy-to-read charts showing how State Farm stacks up against 33 other auto-insurance companies, based on customer surveys. ConsumerReports.org conducts its own surveys and puts out a similar chart, but the report is available only to subscribers. The Better Business Bureau and the National Association of Insurance Commissioners evaluate State Farm based on consumer complaints. Epinions.com offers a wealth of consumer reviews, positive and negative. The American Association for Justice, a trial lawyers' group, includes State Farm in its list of America's 10 worst insurance companies, in a study that includes lawsuits and news reports. There are no good insurance companies identified, however, to lend balance to the study.

Pros

* Might be willing to insure higher-risk drivers
* Huge network of local agents

Cons

* Average prices
* Complaints about claims, customer service

1. J.D. Power & Associates

State Farm earns above-average scores for customer satisfaction and average scores for claims service in J.D. Power and Associates' latest surveys. This is the largest ranking of auto-insurance companies that we found. Thirty-four companies are ranked based on a survey of more than 25,000 auto owners.

Review: Insurance Ratings, Editors of J.D. Power and Associates

2. ConsumerReports.orgDetails/Subscribe

Editors rank 22 car-insurance companies, including State Farm, based on a survey of 28,241 people who filed claims with their auto insurers between January 2006 and June 2009. ConsumerReports.org issues scores for each insurer based on claims problems, non-claims problems and timely payment.

Review: Auto Insurer Ratings, Editors of ConsumerReports.org, Oct. 2010

3. Better Business Bureau

State Farm earns a B-plus for trustworthiness at the Better Business Bureau for its headquarters in Illinois. However, each local Better Business Bureau provides its own ratings for State Farm's many satellite offices, which may differ; they're all posted on this website's searchable database, and it's easy to check on your local branch.

Review: BBB Reliability Report for State Farm Insurance Company, Editors of Better Business Bureau

4. National Association of Insurance Commissioners

Regulators across the nation upheld fewer complaints against State Farm in 2009 than the average insurer, according to this searchable database. You can also get a financial profile for each company here.

Review: Consumer Information Source, Editors of the National Association of Insurance Commissioners

5. Epinions.com

State Farm auto insurance earns an average of 3 stars (out of 5) from more than 250 consumers here. Ratings are all over the map, but many of the latest are 1-star reviews from people who say they received poor customer service and were frustrated in attempts to make claims.

Review: State Farm Group -- Auto, Contributors to Epinions.com

6. American Association for Justice

State Farm is the fourth-worst insurance company in America, according to this trial lawyers' group. It says State Farm goes to great lengths to avoid paying claims, especially after disasters like Hurricane Katrina. The American Association for Justice is a lobby group representing thousands of lawyers. Ratings are backed up with research into trial cases, but no good insurance companies are identified to lend balance to the study.

Review: The Ten Worst Insurance Companies in America, Editors of the American Association for Justice

Filing Insurance Car does not have to bother

2011-06-01T00:24:00.000-07:00

"Now Filing Insurance Car does not have to bother anymore ....

Inevitably, a prolonged economic crisis that happened, it was felt
difficult by almost all sectors of business activity. This condition is becoming increasingly difficult, if companies have to bear the risks that may occur on the assets supporting activities. Therefore, now is the right to transfer this risk to the insurance company as a guarantor risk. But choosing a car insurance is sometimes tricky.

You are looking for and confused in choosing car insurance?, Maybe a little tips below can be considered not forget I attach information / quote for car insurance can be the mother / father learned:

Guide

1. Quality:
Make sure the first insurance that will diipilih including insurance categories that have got prediket Best General Insurance, Indonesian Best Brand Award, Indonsian Customer Satisfaction Award. Because with this certification are clearly indicates that this insurance is reliable, trustworthy, and proven claim responsibility in serving customers.

2. Cost Own Risk (Own Risk):
Sometimes bulak and forth to the garage insurance is also something that makes lazy customers, let alone implement some insurance claim with the payment system OR (Own Risk) or the risk itself that on average there are 100,000 .- based per incident, per impact, and so of course it makes you burdened with having to spend a lot of claims to pay OR if often bulak insurance and forth to the garage that is not necessarily the result of a job shop in customer satisfaction because done by a mock workshop or non-authorized. Sometimes the paint stripes Betong make your car's body image as if it had tremendous impact this would make the value of your car sales slump. Although the customer can complain to the insurance, but how long the loss of your time wasted. It's good for a very busy and lazy bulak back to the workshop should select the insurance that insurance can receive 1 (one) time only claim but a collection of some conflict / collisions in different events, so maybe in a year just 1 time to garage adequate insurance and pay only once OR your car's body back smoothly because done by a reliable repair shop or authorized repair shop (authorized). Cost-effective and efficient.

3. Claim Process:
As to the insurance claim process should be examined first, there are some car insurance which time the customer receives the claim should be straightforward once it is in fact this is must wait surveyornya ready lah, sometimes have to argue was the first time surveyed. Not yet at times it took several days just to wait for SPK (Work Order) issued by the insurance company for the repair shop could fix our car. Things like this sometimes customers feel ignored and a lot of time tebuang just to wait for a paper / letter. Leave a process like this is already old, you should select an insurance claim when an uncomplicated, quick less than 30 minutes SPK is in your hands so you stay menenetukan when to shop insurance.

4. Work:
Many insurance that applies some cheap rate, but what if the workshop is not qualified associates alias mock and not satisfying the customer. Sometimes paint your car look even striped Betong make your car's body image as if it had tremendous impact this would make the value of your car sales slump. Although the customer can complain to the insurance, but how long the loss of your time wasted. Pay attention to this and select the insurance with a trusted partner workshops and official (authorized). Remember that your vehicle is a valuable asset, do not Sepelekan using dubious insurance services only because of the difference a few dollars only premium price

5. Spare Parts (Spare Parts):
Spare parts are an important part in your car, make sure the insurance guarantees that use original spare parts and warranty. Be careful with this insurance does not guarantee that fatal consequences.

6. Responsibilities of the Third Party (TJH / TPL) and PA (Personal Accident):
This feature should be observed carefully because the time of the incident hit the motorcycle accident samples sometimes - sometimes the 3rd party even more severe damage than us. Here the role of this feature dipelukan, you should select the insurance with the responsibility of third parties are large so you do not tebebebani extra cost. Likewise with personal accident protection features driver / passenger it is also very necessary. Choose the insurance that is included with this feature.

7. Free Services 24 Hour Protection:
This is a very, very important when we choose car insurance, car insurance that many rely on and provide cheap rates only protection but the service is not satisfactory, not 24 hour service, no telephone service hard to contact even at times no one answered, sometimes Sometimes areas are also very limited protection at all times even just Jabotabek area only. Out of the Greater you can ketar-ketir if there is a problem with your car like a strike on a highway because a flat tire, need a crane, a key miss in the car, ran out of fuel, etc.. Leave these worries, select insurance with 24-hour alertness and wide area protection in Indonesia. So if you are touring out of town as far away as Bali to Medan or do not worry if something goes wrong with your car. This feature needs to be considered for those of you who love to travel far (touring).

8. SRCC (Strike, Riot and Civil Commotion - Riots, Strikes and Riot & Flood):
Features of this insurance highly recommended that to ensure the risk due to the disruption of public order committed by a group of people, as well as measures authorities in action against such interference, whether related to the strike and the barring of work, and bear the civil unrest that political bemotif. Also the expansion of insurance cover loss caused by water overflowing out of the normal limit water rivers, lakes, swamps, jebolnya floodgates, dams jebolnya, continuous rain that can not be accommodated by water channels. Damage due to flooding include damage to the interior, exterior, dashboard panel, mechanical, electrical and other damage on the vehicle bemotor insured. Select insurance which includes this feature.

9. Flexible In Payment:
Choose a car insurance premium payments flexible, can be made by cash, transfer, or credit card (Visa / Mastercard). This may help your financial management.
Unfortunate that when the unexpected arrival of even more value the losses, make us more confident that insurance protection is absolutely necessary.

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AUTO INSURANCE IN AUSTRALIA

2010-01-31T12:26:00.000-08:00

AUTO INSURANCE IN AUSTRALIA Several overseas companies have been circling the Australian market, but Progessive's entry represents by far the biggest headache for the local companies.Separately, insurance underwriters cited climate change as the most important issue confronting the industry.In South Australia, Third Party Personal insurance from the Motor Accident Commission is included in the licence registration fee for people over 16. A similar scheme applies in Western Australia.In Victoria, Third Party Personal insurance from the Transport Accident Commission is similarly included, through a levy, in the vehicle registration fee.In New South Wales, Compulsory Third Party Insurance (commonly known as CTP Insurance) is a mandatory requirement and each individual car must be insured or the vehicle will not be considered legal. Therefore, a motorist cannot drive the vehicle until it is insured. A 'Green Slip' another name CTP Insurance is commonly known by due to the colour of the pages the form is printed on, must be obtained through one of the seven main insurers in New South Wales.

Profitability collapsed last year after companies such as Suncorp-Metway and Insurance Australia Group had large payouts for a string of natural disasters, including bushfires and heavy storms.

At the same time, the global financial crisis caused earnings from insurers' investment portfolios to collapse, causing a drain on capital reserves.

Home insurance premiums are under the most pressure to rise, with rates projected to jump by about 9 per cent over the next year, according to the latest JPMorgan Deloitte general insurance industry survey.

House insurance premiums increased 10 per cent last year as insurers sought to reverse years of heavy discounting.

Car insurance premium rises are expected to match last year's 5 per cent increase.

The large number of payouts in recent years, including the more than $1 billion paid out in the wake of the Victorian bushfires, had insurers rethinking the cost of cover, said JPMorgan insurance research analyst Siddharth Parameswaran.

''The rate increases that have been pushed through are largely a reflection of re-estimation of how much these events cost and how frequently they are likely to occur,'' said Mr Parameswaran, one of the co-authors of the report.

Natural disaster payouts since 2007 of nearly $4.3 billion are more than twice the 20-year average.

Mr Parameswaran said the price increases marked ''a real turn'' in the insurance cycle after underwriters were locked in a discounting war for most of the past 10 years.

Elsewhere, compulsory third-party car insurance premiums in NSW are expected to increase by 10 per cent, rounding off the second year of double-digit gains, while Queensland motorists will be hardest hit with prices expected to soar by as much as 15 per cent, mostly due to more generous benefits.

While prices are tipped to run up, gains are likely to be tempered by competition in personal insurance, particularly among internet-based companies.

US company Progressive Direct has recently entered the Australian market, looking to snare a slice of the nation's $9 billion car insurance market with internet-only selling.

In Queensland, CTP is a mandatory part of registration for a vehicle. There is choice of insurer but price is government controlled in a tight band.

These state based third party insurance schemes usually cover only personal injury liability. Comprehensive vehicle insurance is sold separately to cover property damage and cover can be for events such as fire, theft, collision and other property damage.
Progressive Direct Insurance Co. [00649] believes there is an opening in Australia's sophisticated insurance landscape for it to explore the online-service motor insurance segment.

Progressive Direct, a unit of U.S.-based Progressive Corp. [58454], opts not to compete directly with established players in the traditional market but to gain a position among proliferating online businesses, said Simon Lindsay, country manager of Progressive Direct in Australia.

This market segment offers room to evolve in Australia, where a high number consumers enjoy the online experience for personal finance, given the country's high broadband penetration, said Lindsay in an interview.

In Australia, two major players -- Insurance Australia Group Ltd. [86837] and Suncorp Metway Insurance Ltd. [77922] -- have 75% of the market share for motor insurance. Nevertheless, Lindsay said smaller players can pursue "small yet compelling" market segments in the country.

A sound regulatory environment and stable market conditions contributed to Progressive Direct's choice of Australia as the first Asia-Pacific country in which to advance its online motor insurance business, said Lindsay. The market dynamic is suitable for international market exploration and for employing the insurer's Internet-based insurance know-how and online segmentation skills.

Progressive Direct Australia's online technology structure is being built up from scratch in Australia, based on skills acquired from parent company in the United States, said Lindsay. The model is designed to attract a growing alternative online market segment, rather than the general mass segment.

Web site technology is important to deliver quality and customer service. Lindsay said online functionality is a driver to attract customers who have not been offered the experience before.

A recent survey of Google found the proportion of people applying for car insurance online has been on the rise in Australia, with 68% applying online and three-quarters using the Internet at the initial research stage. Currently, Lindsay said the trend is to apply online for car insurance quote rather than buying the product or managing the policy online.

In the next five years, Lindsay said the trend for buying and managing online motor insurance will become more popular. Online claims management is still new in the market, according to Lindsay. The aim is to promote effective and efficient applications of the online platform as "A to Z" functions of motor insurance.

In Australia, Lindsay noted traditional motor insurers remain strong in the market, and this is not going to be changed in the short term. These traditional players launched their own online brands to attract new customer segments.

Progressive Direct's market position is "more independent" with online insurance, said Lindsay. The company recognizes a trend of rising online consumerism, hence its move to explore the segment.

In recent years, Australia's nonlife insurance sector has seen new players such as Australia Post and Virgin Money, an affiliate of U.K.-based conglomerate Virgin and supermarket Coles for the launch of car, home and content insurance

HOW DO YOU GET MONEY FROM AUTO INSURANCE

2010-01-31T12:18:00.000-08:00

HOW DO YOU GET MONEY FROM AUTO INSURANCE You will receive the fair market value for your vehicle. An insurance company is only required to compensate you at the fair market value. This may be more or less than is still owed on a vehicle if it is still under a finance note The amount still owed on any finance note has no bearing on the current market value of your vehicle. The easiest way for a layman to determine the fair market value is simply to look around at other similar or preferably same type vehicles currently for sale in your area. Look for same type vehicle with similar options, similar mileage and wear. After finding several vehicles for sale, determine the average sale price of those found. You will generally find that the amount offered will be near that average. Should your offer be less, then you should negotiate the settlement price with the adjuster. Adjusters are not paid to haggle with anyone. They are paid to follow their states Insurance laws and adjust claims fairly.

HOW DO YOU GET MONEY FROM AUTO INSURANCE Never what you owe or what it will cost you to replace it. So the answer to the problem is GAP insurance! Small amount to pay for peace of mind that pays you the difference between loan/cost and adjusters appraisals, (which start at the bottom, wholesale)The haggling is what the adjuster is paid to do, not to be fair, but to save the insurance company the most they can, they are not your pals! Wife rear ended, she's ok totalled car retail $20,000, offered $15,500

HOW DO YOU GET MONEY FROM AUTO INSURANCE You should get ACV (actual cash value)
Do your homework before settling with the adjuster. Check newspaper ads, dealers etc., to see what a car like yours, similar condition and like mileage is worth in your area. Have 3 or 4 bona-fide local examples to take with you and show the adjuster.
A new car should not be a problem unless you have over-financed.
Some folks borrow more than the vehicle is worth to pay off an old one and you are what is termed to be "upside-down", meaning you owe more on the vehicle than its worth. If this is your situation and the car is totalled, you will be paid off the value of the vehicle but not what you over-financed.

HOW DO YOU GET MONEY FROM AUTO INSURANCE Having been in this situation in WVa, the insurance people have a standrd which is used. Usually it involves the the NADA book value. The low value - a certain amount if the the engine milege is 100,000 or more = settlement. My experiance was not good as I did not receive enough to pay the vehicle loan principle, even though the loan was for less that the purchase price.
Answer

HOW DO YOU GET MONEY FROM AUTO INSURANCE Ok. So I have just been told by the Claims Agent that my car it totaled. In my case to repair the damage would cost $3500. The value of my vehicle was only $4200. If it cost more than 70% of the total car value to fix, it is considered totaled.
So now I have two things to do. 1)Check the value of my car for myself. 2) Locate what it would cost to replace my exact car in the market today.
For the first item I will use these three websites and take the best results to use as a basis for determining what I will expect to get paid from my Insurance Agency. www.kbb.com, www.edmunds.com, and www.nada.com. Be sure to include your milage and all your vehicle features before caculating a price with these sites. Also, always use the RETAIL price that they generate because that is what you will have to pay to replace your car in the open market.
The second item takes a little more leg work. But thankfully for the internet this process is now a lot easier. Use the website www.autotrader.com. This will allow you to locate your specific car to see what people are actually selling it for. Most often is will be selling for more money than what your first step revealed.
Note: If you are having trouble locating a vehicle within 200 miles of where you live, then try and find a similar replacement vehicle you are interested and use that as your leverage.
I have been told that by law, your insurance company is only require to pay out the wholesale price of the vehicle. This is usually at least half of what the blue book value is. So don't get your insurance company mad at you, but also stick to your guns when trying to get more money to replace or fix your vehicle!

I recently had my car totalled. We got rear-ended. Based on the condition of your car, you can negotiate a little to get a fair price for the vehicle. Honestly, the insurance company has already a price in mind. They will stick to it once they have decided the price. In my case, I got almost what I was targeting for a price. You should closely look at the features of your car and ensure that the Insurance company is comparing an apples to apples comparison. The Insurance Company looks at Actual Cash Value. This is a lot of legwork required on your end. All in all, I was able to settle with the Insurance Company on the Totalled price within a month for the property damage settlement portion. Also, it is easier to negotiate with your own Insurance Company as compared to the other party's insurance company. You can negotiate with your insurance company and firm up the price. Then, the other insurance company can provide you the deductible.

I have to say that my experience of dealing with insurance company to settle my total loss case was very unpleasant. The other party's insurance company wasn't straightforward with me at all, and they were the at fault party. I know a lot of folks who work in insurance industry will disagree with me, but from my own experience, insurance company's interest is not aligned with consumers at all regardless if you're at fault or not.

I didn't buy into the "fair market value" estimate -- it's just an arbitrary number determined by a "3rd-party" authority. I challenged this number, and was able to negotiate $1000 more back.

HOW DO YOU GET MONEY FROM AUTO INSURANCE My recommendation is not to accept the initial offer from insurance company, and always negotiate. You've nothing to lose, but have a lot to gain.

AUTO INSURANCE COVERAGE IN SOMEONE ELSE'S CAR

2010-01-31T12:11:00.000-08:00

AUTO INSURANCE COVERAGE IN SOMEONE ELSE'S CAR As a general rule and with permissive use. The liability, uninsured motorist and medical portions of your Personal Auto insurance policy will follow you and provide coverage for you when operating another personal vehicle. In some cases certain property coverage may also follow you. Your Personal auto Policy will "Not" follow you for operation of a hired business or commercial use vehicle. If the "personal" use vehicle being driven has adequate active coverage then that policy is customarily treated as primary and any coverage the driver has is secondary or excess in the event damages exceed the limits of the vehicle owner's insurance policy. In the event that the vehicle being driven is discovered to have inadequate or no coverage at all, then the applicable portions of the drivers own active auto policy will invoke and act in lieu of primary coverage.The degree of coverage beyond the above that may invoke are dependent on various factors such as the reason for driving the other vehicle, loaners, rentals or replacement status vehicles and other local or state regulations

I am an auto insurance adjuster and the quickest answer to your question is - "it depends on the Owner of the vehicle's policy language". Most auto insurance policies WILL in fact cover ANY driver of the insured vehicle, UNLESS that driver has been previously excluded from the policy or UNLESS the driver has STOLEN the vehicle. This would have to be proved with a copy of a theft report filed by the owner. Now, most of the time this is the case - but NOT in all states, and NOT on all policies. I urge you to call your agent BEFORE you drive a friend's car or BEFORE you let a friend drive yours.
Here are more answers and opinions from other FAQ Farmers:

* The insurance will only cover you if you are listed under their insurance with the car owner.

* I had to find this out in a hard way. They will, if the car owner has given you permission to drive. But if not, they won't and I fell into the second case.

* A good rule of thumb is that 'insurance follows the vehicle' as far as coverage is concerned. The policy in force on the vehicle involved in a loss will cover the damage to the vehicle itself and provide the liability limits if other parties are involved. This does assume that you had the owner's PERMISSION to drive the vehicle involved.

* A lot also depends on the state. I'm insured through Progressive, in Texas - my policy specifically states that anybody that I allow to drive my vehicle is covered. At the same time, my policy will cover me in somebody else's vehicle (with the same coverages that I carry), and also cover any new car for 30 days, to allow time for me to give them the car information. They tend to be a lot more liberal than most companies though. And I don't carry collision anyway (my car is 15-years-old with 165k miles, not worth it), just theft, uninsured motorist and liability.

A car not the driver is insured under comprehensive insurance. for the car to be insured in the case of an acident there are stipulations placed on who can drive the car relating to driver age,experience, driving record etc. this may vary from policy to policy.
Answer
Generally not. While you're an insured driver, it's your vehicle that's specified in your auto policy. As such, the policy covers only your auto.
Answer
No. The person who owns the car and has it insured will be responsible through their insurance. However, they can take you to small claims court for the amount they had to pay and will win the case.
Answer
As with most questions like this, it depends. Specifically:
1. Auto insurance follows the vehicle. So, if you're driving your friend's car and rear-end somebody, your friend's liability insurance will take care of the other vehicle's damages.
2. But what if your friend doesn't carry insurance? Most likely your insurance will step in, but if Ohio requires vehicle owners to carry liability insurance, your carrier will most likely go after your friend for the money they paid to protect you because, by law, your friend should have paid for his own coverage.
3. Does the car belong to a relative? More specifically, a relative in your household? This would likely result in your carrier denying coverage for you because you didn't tell them a relative owns a car that you're driving. How often you drive the car could also affect your carrier's decision.
4. But what if you have full coverage, and you wreck your friend's car that doesn't have full coverage, and you don't normally drive the car? Most likely, your carrier will step in and pay for the damages to your friend's car. Your carrier is "excess," but if no other first-party coverage exists, they'll usually take care of it. See #3, though, because this wouldn't apply to a relative's vehicle.
Answer
insurance on the vehicle
The kind of Insurance you are speaking of is a Named non-owners policy. If you are driving someone's car that you borrow it needs to have insurance too. It is illegal to drive a car without insurance (for that car) The driver and owner could get a ticket for the vehicle not being insured.
Insurance Coverage
In my experience as an auto insurance adjuster, the car carries the insurance. It would tie up the courts if settlements were partially on the vehicle and partially on insurance carried by the driver. If your car is involved in an accident while being driven a person who does not have your permission (as the Named Policy Holder) it is possible that your insurance company, after an in-depth investigation, including sworn statements by you, may try to subrogate against the unauthorized driver's insurance.
Here are more opinions and answers from other FAQ Farmers:

* I think this question could vary state to state. However, in WA, the insurance on the vehicle is primary, and if the drivers has insurance on another vehicle, or a broad form policy, theirs is secondary. Hope that helps, just my 2 .

* The vehicle's insurance is primary. If liability insurance on the vehicle is inadequate your own policy will come in as secondary and protect "YOU".

* The driver's insurance applies. Think of this: how can you lower your insurance premmium: you, the driver are experienced, good river (no accident, etc.) As soon as I add my daughter to my policy, it changes to inexperienced driver and not good driver category! SAME car....!

* The insurance follows the car. That is the general rule. However, in some states, there is case law that will hold the owner's and driver's insurers coprimary for liability coverage IN SITUATION WHERE THE DRIVER IS USING THE OWNER'S CAR AS A TEMPORARY SUBSTITUTE VEHICLE. Generally though, the driver's policy is excess or secondary.

There is an excess clause in nearly every auto policy. One particular Auto Insurance carrier is famous for trying to deny coverage based on this excess clause. But, as far as I know EVERY company's policy language includes this excess clause.
In MOST cases, where only PD or MD (property damage or material damage) are involved, companies will agree to pro rata shares of coverage.
The above-mentioned carrier tends to dig their heels in the sand, however, and prolongs the handling of such claims, which nearly ALWAYS translates to a costlier claim process.
Answer
most generally yes, your exact coverage will transfer over (if that vehicle is uninsured and there are MANY ''if's'' in this ) to this uninsured vehicle, if it meets the criteria of 'non-owned auto' 'temporary replacement vehicle' etc......but NOT on a continueing bases...you can't just insure one vehicle and drive a non insured one indefinately...understand?
Answer
In the state of AZ, the insurance follows the car. Your own coverage may extend to a vehicle that you are using with permission but only as secondary coverage.
Answer 1
Until this answer is improved by an expert, this layman's answer will have to suffice.
IF the driver is not named on the vehicle's insurance, the terms of the insurance policy will ditcate the handling of a liability claim for the accident in which the vehicle was involved.
Normally, if the driver is:
1. Legally licensed to drive, and
2. Has the permission of the owner of the vehicle to have been driving it at the time of the collision, then most policies will cover the "Permissive User."
Insurance follows the vehicle, not the driver. If the vehicle you borrowed does not carry insurance and you do, your insurance becomes secondary to cover the claim. The owner's insurance is primary.
Answer 1
Generally, throughout the insurance industry, if there is insurance on the vehicle involved in the collision, then that insurance is considered "primary,' and is the policy which will provide first coverage.
Then, IF the primary coverage is not adequate [not enough money], the driver's insurance [considered secondary] will kick in for the balance owed on the liability claim, until its limit is reached.
typcially the insurance on the car is primary.....if that policy has collision coverage (am assuming there is liability coverage as that is required).....the vehicle policy will repair that vehicle....if that vehicle does NOT have collison coverage and driver has a policy with collision coverage then drivers policy will step in (2nd)......if neither policy has collision coverage and the driver of your vehicle is at fault..........no company is repairing that vehicle..... and yes as mentioned which ever policy pays for the 'at fault' accident those rates are increasing......could be that both pay....yours for the other parties damage under liablity portion (if your vehicle is at fault) and drivers collision coverage (if your vehicle has no coll.cov)
That is determined by the coverage clauses in both parties policy. The person whose insurance company pays will be the one whose rates increase.
you usually are covered by the insurance for the car...if your friend drove your car and you had insurance on your car, they would be covered on your insurance, not their own
Answer
with permission from the owner, as long as there is no exclusion.........and you are not a 'regular' driver, if you are using the vehicle with any regularity, you would need to be listed as an insured driver.......
Answer from a General Insurance Agent
Any existing Auto Insurance policy on the borrowed car would be primary coverage in the event of a liability claim, Any existing auto policy covering the driver would be secondary coverage.
In the event of a property damage loss on the vehicle being borrowed the same would apply. Bare in mind though that if you borrow someone else's property and damage it in the process, the only fair and dignified thing to do would be to repair the damages you caused.
Answer for the UK
In the UK - the general rule is that the driver's own vehicle insurance will pay for any accidents other than when the driver is driving a car with permission and is named on the car owner's policy of insurance to drive the vehicle. If the driver has no insurance the driver has a personal liability to pay for injuries and damage to third parties, but either the car owner's insurance can be used to meet a compensation claim or the Motor Insurers Bureau will step in to pay compensation if no car insurance is available from either the driver or the owner. See the related link entitled "accident car insurance" - for an explanation of all forms of car insurance in the UK and the function of the MIB.

AIG AUTO INSURANCE BANKRUPTCY : A GAME OF CHICKEN

2010-01-31T11:41:00.000-08:00

An AIG bankruptcy filing did not hinge on the resolution of these contracts, thus there could not have been a game of chicken.
Details (greatly simplied but still quite wordy): This story is set in November of 2008, but to understand it we have to go back two months earlier - to September. In September 2008 the clearing price of mortgage-backed securities implied a high rate of mortgage default with low recovery on foreclosed property - a decline in real estate values such as never seen before. Observers were still debating whether prices were correctly forecasting widespread defaults or whether prices were merely depressed due to illiquidity. For institutions levered to real estate the distinction was very important because it meant the difference between short-term liquidity problems and long run insolvency which would force bankruptcy

To understand liquidity problems, we need to understand collateral. In order to minimize credit risk to each other, financial institutions ask for collateral from each other. As trades slowly move up or down in value, cash and securities flow between institutions so that everyone owes each other approximately nothing and the effects of a sudden bankruptcy are much smaller than they otherwise would be. Having collateral in hand means not having to worry about why your counterparty's trades are marking down so low - you are 100% insured by the collateral and if prices rebound you'll just give it back. And if your counterparty goes bankrupt you won't take a loss. Lehman was long real estate and, due to falling prices and having to post collateral, come September they ran out of cash. Regulators shopped them to other banks whose traders pored over Lehman's books and concluded "the company is insolvent, not just illiquid" so "goodnight Lehman Bros".

AIG was in the same boat as Lehman however AIG is an insurance company - this opened up three problems. (1) Banks are usually regulated by federal entities like the Fed and the SEC, so they all fit into similar frameworks nationwide. However insurance companies are only regulated by states. States are not particularly great at regulating because they are small and every state does things differently. (As a side note for fans of health care reform, regulating insurance companies at the federal level and creating national competition is the single most important reform needed. Lack of this in the so-called reform bills is proof that the legislation is all about creating health care entitlement without any real reform.) You can't just call in JP Morgan or Goldman Sachs to tell you what to do here because a bank can't really analyze an insurance company over a weekend. (2) Next, the ratings agencies had assigned AIG their highest rating, AAA, meaning that people who didn't want to do a lot of their own credit analysis, but didn't want to take any risk of default, were the sort of people who bought AIG bonds - that is to say, AIG bonds were largely being held in accounts that were presumed to be taking no risk by their owners. If you go back to news stories from September 2008 you will find many shrill voices invoking the spectre of systemic melt-down, but those voices tend to come from holders of AIG bonds, not random investors worried about "the system". (3) As an insurance company the general public was very broadly exposed to AIG in pensions, annuities, home insurance, etc... and these people aren't holding any collateral at all, but would account for a lot of votes at the polls come November. So, because of these three complications, the same politicians who let Lehman go under decided, at about the same time, to bail out AIG.

Now, there are lots of ways to do a bailout. This very same month, the largest financial entities in the world, Fannie and Freddie, were bailed out - and basically by the federal government saying "we simply guarantee all the debts and obligations of Fannie and Freddie". (Note that, in the end, the agency bailout is where the "taxpayer" will take almost all his lumps. But the politicians don't talk about this too much because Washington spent decades exempting Fannie and Freddie from any meaningful regulation and encouraging them, via various acts of congress, to facilitate mortgage loans to people who probably couldn't afford homes, but would make U.S. home ownership "more diverse".) In the case of AIG the bailout took the form of an $85 billion loan. It is important to remember at this point the debate over whether real estate securities were down because a bunch of mortage defaults were coming or just because nobody wanted to own the bonds. The politicians were still hoping for the latter and hoping that a loan would tide AIG through its illiquid period and into a time when the securities recovered. The TARP legislation was debated this same month, and the original intent of TARP was to buy these securities, thus creating a market for them, and a recovery in their prices. (In the end, however, TARP was not used in this way. It was used to invest in banks, for which no legislation was required anyway, and auto companies - which was probably illegal.) The TARP debate informs us that in September the politicians were not believing the market-implied rate of mortgage default. So, AIG used its bailout money to keep collateral flowing on its real estate positions. The thinking on this was that it stopped the counterparties from closing out the trades and thus "locking in the loss".

Now let's move forward to November 2008, the subject of this post. By November those debating that real estate securities were down due to illiquidity rather than coming defaults had given up their argument. A wave of defaults was coming and everyone finally realized that a lot of people who took out sub-prime mortgages always had the intention of defaulting because they didn't want to own a home so much as speculate on real estate going up. Back at AIG, their positions had continued to go against them and it became pretty obvious that AIG was insolvent, not just illiquid, and a more aggressive bailout was going to be needed if they were not to declare bankruptcy. But now if AIG goes bankrupt the government is in for a loss too since it has made all these loans. So "in for a penny in for a pound" the feds decide to up the bailout. Among many issues to be sorted out in the fresh bailout is that AIG still has all these real estate positions which keep bleeding money and, since AIG made the wrong calls on this all along, the feds decide to close out all of these positions.

At this point, the "unlimited bailout" decision has been made, and the discussion over mopping up these positions is a sidebar, not super important at the time (but it will become very politically sensitive a year later). The feds would like to save a few bucks by negotiating the close-out on these trades with the banks. However, because all the banks are holding lots of collateral, and some of them are even insured against AIG defaulting, they expect to be paid in full just like everyone else exposed to AIG. The feds aren't calling PIMCO and asking them to take 80 cents for their AIG bonds, they are calling retirees and asking them to take 80 cents for their pension annuities, and the aren't calling up auto insurance holders and asking them to take 80 cents for fender-bender repairs. Further, the insured banks wouldn't take a loss even if AIG went bankrupt unless you buy the end-of-the-world systemic melt-down scenario. But, even if you believe that, why aren't all of AIG's creditors being asked to contribute? Indeed, why not everyone in the world, since all benefit from there being no global melt-down. The banks are not the primary beneficiaries of the bailout, the bondholders are - bondholders have no collateral. In essence, there is nothing for the fed to negotiate, so they abandon the effort.

So, back to Steve's question. AIG was going to go bankrupt without a bailout, and negotiating 80 cents on the dollar for its real estate positions would not have changed that either way - so no game of chicken. For political reasons, the decision was made to bail them out. The banks were not asked to pay a disproportionate amount towards that bailout, and intelligent minds can debate whether or not they should have, but the case is far from clear. Lastly, I will add that I am unconvinced that letting AIG go bankrupt would have created a systemic meltdown, but it is clear why those involved in the bailout would say that. It is human nature that when you make a convenient but unpopular choice, your first defense is likely to be that you didn't really have a choice. The choice to bailout AIG was convenient and unpopular, but I don't agree that it would have led to systemic meltdown, and the historical arguments on my side are quite strong. Panics happen every 10 to 20 years and it is never the end of the world.
Vehicle insurance (also known as auto insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.

DEALING FACTORS WITH YOUR AUTO INSURANCE PREMIUM

2010-01-31T11:29:00.000-08:00

Dealing factors with your auto insurance premium First of all, you must know that a lot of factors are present when you are dealing with your auto insurance premium. Car insurance is needed before you are even able to pick up your car from the dealership, when you have to take a loan out for the purchase of it. You must show proof of insurance to the dealer you bought the car from and then it will be released to you. You should know what these factors are so that you will have more freedom in dealing with the costs of your auto insurance. If you know the things that can keep your premium down, you can work on some points of improvement or maintenance. This will eventually reduce expenses of your insurance. Loads of savings can also be expected.

An auto insurance provider evaluates the premium of one person by the risk that is associated with him or her. This includes specific details of a policyholder including his or her level risk. Specific information like age, nature of work, educational attainment, civil status, and residence are all factors that are being evaluated. In the East Coast, minimum requirements for auto insurance may differ from other people in the West Coast. This may even differ significantly between states.

If you are driving a second-hand or pre-owned car, there might be some implications to it.

An owned car that costs less than $2000 will have good insurance if it has coverage for bodily injury and coverage under liability or property damage. If you are at fault in an accident, you will be able to claim benefits. Undoubtedly, this will be good because you will be saved from a lot of financial burdens. Of course, without one you will surely get a huge cut from your bank account. It may even get you bankrupt. It will even be better when you are involved in a large-scale accident.

Collision deductibles are also important to be safe in the pocket. However, you also need to qualify this. If the amount that you shell out on your collision deductible is a lot more than the worth of the vehicle itself, then it is not a good investment. When other sources of incidents like hail and vandalism are considered, you might go for a comprehensive deductible. These are actually two very important differences between them. Collision deductibles can be claimed when you are at fault while comprehensive deductible solves your costs even though you are not at fault.

You can save a lot more if you know these things. For best measure, be sure to check online to see the best insurance premiums.

To have your car adequately insured you do not need to waste time, efforts and gas visiting all the insurance companies in your area personally. All you need to do is to browse online and find several car insurance quote comparison websites. To use such tool as car insurance quotes comparison website you should know your car coverage needs. There is an online form you need to fill out so as to get information from different insurance companies. As a rule you are required to provide your commercial car model, year, capacity and make. You can choose your quote provided by a trusted insurance company providing services in your area.Dealing factors with your auto insurance premium

AUTO INSURANCE IN AMERICA

2010-01-31T11:22:00.000-08:00

Auto insurance in America covering liability for injuries and property damage done to others is compulsory in most states, though enforcement of the requirement varies from state to state. The state of New Hampshire, for example, does not require motorists to carry liability insurance (the ballpark model), while in Virginia residents must pay the state a $500 annual fee per vehicle if they choose not to buy liability insurance. Penalties for not purchasing auto insurance vary by state, but often involve a substantial fine, license and/or registration suspension or revocation, as well as possible jail time in some states. Usually, the minimum required by law is third party insurance to protect third parties against the financial consequences of loss, damage or injury caused by a vehicle.

Some states, such as North Carolina, require that a driver hold liability insurance before a license can be issued.

Arizona Department of Transportation Research Project Manager John Semmens has recommended that car insurers issue license plates, and that they be held responsible for the full cost of injuries and property damages caused by their licensees under the Disneyland model. Plates would expire at the end of the insurance coverage period, and licensees would need to return their plates to their insurance office to receive a refund on their premiums. Vehicles driving without insurance would thus be easy to spot because they would not have license plates, or the plates would be past the marked expiration date.
[edit] Coverage levels

Vehicle insurance can cover some or all of the following items:

* The insured party
* The insured vehicle
* Third parties (car and people)
* Third party, fire and theft
* In some jurisdictions coverage for injuries to persons riding in the insured vehicle is available without regard to fault in the auto accident (No Fault Auto Insurance)

Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.
[edit] Excess

An excess payment, also known as a deductible, is the fixed contribution you must pay each time your car is repaired through your Auto insurance in America policy. Normally the payment is made directly to the accident repair "garage" (the term "garage" refers to an establishment where vehicles are serviced and repaired) when you collect the car. If one's car is declared to be a "write off" or "total loss"("write off" is commonly used in motor insurance to describe a vehicle the worth of which is less than the cost of repair), the insurance company will deduct the excess agreed on the policy from the settlement payment it makes to you.

If the accident was the other driver's fault, and this is accepted by the third party's insurer, you'll be able to reclaim your excess payment from the other person's insurance company.
Compulsory excess

A compulsory excess is the minimum excess payment your insurer will accept on your insurance policy. Minimum excesses vary according to your personal details, driving record and insurance company.
Voluntary excess

To reduce your insurance premium, you may offer to pay a higher excess than the compulsory excess demanded by your insurance company. Your voluntary excess is the extra amount over and above the compulsory excess that you agree to pay in the event of a claim on the policy. As a bigger excess reduces the financial risk carried by your insurer, your insurer is able to offer you a significantly lower premium.
Basis of premium charges
Main article: auto insurance risk selection

Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government. Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages.

When the premium is not mandated by the government, it is usually derived from the calculations of an actuary based on statistical data. The premium can vary depending on many factors that are believed to have an impact on the expected cost of future claims. Those factors can include the car characteristics, the coverage selected (deductible, limit, covered perils), the profile of the driver (age, gender, driving history) and the usage of the car (commute to work or not, predicted annual distance driven).
Gender

Men average more miles driven per year than women do, and consequently have a proportionally higher accident involvement at all ages. Insurance companies cite women's lower accident involvement in keeping the youth surcharge lower for young women drivers than for their male counterparts, but adult rates are generally unisex. Reference to the lower rate for young women as "the women's discount" has caused confusion that was evident in news reports on a recently defeated EC proposal to make it illegal to consider gender in assessing insurance premiums. Ending the discount would have made no difference to most women's premiums.[citation needed]
Age

Teenage drivers who have no driving record will have higher Auto insurance in America premiums. However, young drivers are often offered discounts if they undertake further driver training on recognised courses, such as the Pass Plus scheme in the UK. In the U.S. many insurers offer a good grade discount to students with a good academic record and resident student discounts to those who live away from home. Generally insurance premiums tend to become lower at the age of 25. Senior drivers are often eligible for retirement discounts reflecting lower average miles driven by this age group.
Marital status

Drivers who are unmarried are often charged higher insurance premiums as opposed to married drivers.
Vehicle classification

Owners of sports cars, muscle cars, some sport utility vehicles, and motorcycles would have higher insurance premiums as opposed to compact cars, midsized cars, or luxury cars. However, in the case of motorcycles, the chance of causing extensive damage to other vehicles is relatively low (as opposed to damage to oneself) and thus liability insurance premiums are often lower. Distance

Some Auto insurance in America plans do not differentiate in regard to how much the car is used. However, methods of differentiation would include:
Reasonable estimation

Several Auto insurance in America plans rely on a reasonable estimation of the average annual distance expected to be driven which is provided by the insured. This discount benefits drivers who drive their cars infrequently but has no actuarial value since it is unverified.
Odometer-based systems

Cents Per Mile Now[13](1986) advocates classified odometer-mile rates. After the company's risk factors have been applied and the customer has accepted the per-mile rate offered, customers buy prepaid miles of insurance protection as needed, like buying gallons of gasoline. Insurance automatically ends when the odometer limit (recorded on the car’s insurance ID card) is reached unless more miles are bought. Customers keep track of miles on their own odometer to know when to buy more. The company does no after-the-fact billing of the customer, and the customer doesn't have to estimate a "future annual mileage" figure for the company to obtain a discount. In the event of a traffic stop, an officer could easily verify that the insurance is current by comparing the figure on the insurance card to that on the odometer.

Critics point out the possibility of cheating the system by odometer tampering. Although the newer electronic odometers are difficult to roll back, they can still be defeated by disconnecting the odometer wires and reconnecting them later. However, as the Cents Per Mile Now website points out:

As a practical matter, resetting odometers requires equipment plus expertise that makes stealing insurance risky and uneconomical. For example, to steal 20,000 miles (32,000 km) of continuous protection while paying for only the 2,000 miles (3,200 km) from 35,000 miles (56,000 km) to 37,000 miles (60,000 km) on the odometer, the resetting would have to be done at least nine times to keep the odometer reading within the narrow 2,000-mile (3,200 km) covered range. There are also powerful legal deterrents to this way of stealing insurance protection. Odometers have always served as the measuring device for resale value, rental and leasing charges, warranty limits, mechanical breakdown insurance, and cents-per-mile tax deductions or reimbursements for business or government travel. Odometer tampering—detected during claim processing—voids the insurance and, under decades-old state and federal law, is punishable by heavy fines and jail.

Under the cents-per-mile system, rewards for driving less are delivered automatically without need for administratively cumbersome and costly GPS technology. Uniform per-mile exposure measurement for the first time provides the basis for statistically valid rate classes. Insurer premium income automatically keeps pace with increases or decreases in driving activity, cutting back on resulting insurer demand for rate increases and preventing today's windfalls to insurers when decreased driving activity lowers costs but not premiums.
GPS-based system

In 1998, Progressive Insurance started a pilot program in Texas in which drivers received a discount for installing a GPS-based device that tracked their driving behavior and reported the results via cellular phone to the company.[14] Policyholders were reportedly more upset about having to pay for the expensive device than they were over privacy concerns.[15] The program was discontinued in 2000.
OBDII-based system

In 2008, The Progressive Corporation launched MyRate to give drivers a customized insurance rate based on how, how much, and when their car is driven. MyRate is currently available in Alabama, Kentucky, Louisiana, Michigan, Minnesota, Maryland, New Jersey and Oregon. Driving data is transmitted to the company using an on-board telematic device. The device connects to a car's OnBoard Diagnostic (OBD-II) port (all automobiles built after 1996 have an OBD-II.) and transmits speed, time of day and number of miles the car is driven. There is no GPS in the MyRate device, so no location information is collected. Cars that are driven less often, in less risky ways and at less risky times of day can receive large discounts. Progressive has received patents on its methods and systems of implementing usage-based insurance and has licensed these methods and systems to other companies. Progressive has service marks pending on the terms Pay As You Drive and Pay How You Drive.
Auto insurance in America
Coverage available

The consumer may be protected with different coverage types depending on what coverage the insured purchases. Some states require that motorists carry liability insurance coverage to ensure that their drivers can cover the cost of damages to people or property in the event of an automobile accident. Some states, such as Wisconsin, have more flexible “proof of financial responsibility” requirements.

In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured vehicles, provided they do not live at the same address as the policy holder, and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary, for example, when a family member comes of driving age that they be added to the policy. Liability insurance sometimes does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party’s policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle and is sometimes required by the government for drivers who have previously been found at fault in an accident. Non-owners policies are also known as Named Operator Policies. The policies are useful for people whose drivers license has been suspended and they have to have insurance for their license to be reinstated.

Generally, liability coverage extends when you rent a car. Comprehensive policies ("full coverage") usually also apply to the rental vehicle, although this should be verified beforehand. Full coverage premiums are based on, among other factors, the value of the insured’s vehicle. This coverage, however, cannot apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured’s vehicle, assuming that a rental car may be worth more than the insured’s vehicle. Most rental car companies offer insurance to cover damage to the rental vehicle. These policies may be unnecessary for many customers as credit card companies, such as Visa and MasterCard, now provide supplemental collision damage coverage to rental cars if the transaction is processed using one of their cards. These benefits are restrictive in terms of the types of vehicles covered.
Liability

Liability coverage is offered for bodily injury (BI) or property damage (PD) for which the insured driver is deemed responsible. The amount of coverage provided (a fixed dollar amount) will vary from jurisdiction to jurisdiction. Whatever the minimum, the insured can usually increase the coverage (prior to a loss) for an additional charge.

An example of Property Damage is where an insured driver (or 1st party) drives into a telephone pole and damages the pole, liability coverage pays for the damage to the pole. In this example, the drivers insured may also become liable for other expenses related to damaging the telephone pole, such as loss of service claims (by the telephone company), depending on the jurisdiction. An example of Bodily Injury is where an insured driver causes bodily harm to a third party and the insured driver is deemed responsible for the injuries. However, in some jurisdictions, the third party would first exhaust coverage for accident benefits through their own insurer (assuming they have one) and/or would have to meet a legal definition of severe impairment to have the right to claim (or sue) under the insured driver's (or 1st Party's) policy.

In some jurisdictions: Liability coverage is available either as a combined single limit policy, or as a split limit policy:
Combined single limit

A combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combine single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver's car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.
Split limits

A split limit liability coverage policy splits the coverages into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver's vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.

Bodily injury liability coverage is also usually split into a maximum payment per person and a maximum payment per accident.

In the state of Oklahoma, insurance companies must carry at least state minimum liability limits of $25,000/$50,000/$25,000.[citation needed] If an insured driver hits a car full of people and is found by the insurance company to be liable, the insurance company will pay $25,000 of one person's medical bills but will not exceed $50,000 for other people injured in the accident. The insurance company will not pay more than $25,000 for property damage in repairs to the vehicle that the insured one hit.

In the state of Indiana, the minimum liability limits are $25,000/$50,000/$10,000,[citation needed] so there is a greater property damage exposure for only carrying the minimum limits.
Full coverage

Full coverage is the name commonly referred to as Comprehensive and Collision.
Collision

Collision coverage provides coverage for an insured's vehicle that is involved in an accident, subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable. Collision coverage is optional, however if you plan on financing a car or taking a car loan, the lender will usually insist you carry collision for the finance term or until your car is paid off. Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) is the term used by rental car companies for collision coverage.
Comprehensive

Comprehensive (a.k.a. - Other Than Collision) coverage provides coverage, subject to a deductible, for an insured's vehicle that is damaged by incidents that are not considered Collisions. For example, fire, theft (or attempted theft), vandalism, weather, or impacts with animals are types of Comprehensive losses.
Uninsured/underinsured Motorist coverage

Underinsured coverage, also known as UM/UIM, provides coverage if an at-fault party either does not have insurance, or does not have enough insurance. In effect, your insurance company pays your medical bills, then would subrogate from the at fault party. This coverage is often overlooked and very important. In Colorado for example, it was estimated in 2007 that 24% of drivers did not carry the state minimum liability limits required by law. Unfortunately, this number goes up significantly during recessions. In some areas, it is estimated that 1 out of every 3 drivers don't carry insurance. Usually your limits match your liability limits. Some insurance companies do offer um/uim in an umbrella policy.

In the United States, the definition of an uninsured/underinsured motorist, and corresponding coverages, are set by state laws.
Loss of use

Loss of use coverage, also known as rental coverage, provides reimbursement for rental expenses associated with having an insured vehicle repaired due to a covered loss.
Loan/lease payoff

Loan/lease payoff coverage, also known as GAP coverage or GAP insurance, was established in the early 1980s to provide protection to consumers based upon buying and market trends.

Due to the sharp decline in value immediately following purchase, there is generally a period in which the amount owed on the car loan exceeds the value of the vehicle, which is called "upside-down" or negative equity. Thus, if the vehicle is damaged beyond economical repair at this point, the owner will still owe potentially thousands of dollars on the loan. The escalating price of cars, longer-term auto loans, and the increasing popularity of leasing gave birth to GAP protection. GAP waivers provide protection for consumers when a "gap" exists between the actual value of their vehicle and the amount of money owed to the bank or leasing company. In many instances, this insurance will also pay the deductible on the primary insurance policy. These policies are often offered at auto dealerships as a comparatively low cost add-on to the car loan that provides coverage for the duration of the loan.

Consumers should be aware that a few states, including New York, require lenders of leased cars to include GAP insurance within the cost of the lease itself. This means that the monthly price quoted by the dealer must include GAP insurance, whether it is delineated or not. Nevertheless, unscrupulous dealers sometimes prey on unsuspecting individuals by offering them GAP insurance at an additional price, on top of the monthly payment, without mentioning the State's requirements.

In addition, some vendors and insurance companies offer what is called "Total Loss Coverage." This is similar to ordinary GAP insurance but differs in that instead of paying off the negative equity on a vehicle that is a total loss, the policy provides a certain amount, usually up to $5000, toward the purchase or lease of a new vehicle. Thus, to some extent the distinction makes no difference, i.e., in either case the owner receives a certain sum of money. However, in choosing which type of policy to purchase, the owner should consider whether, in case of a total loss, it is more advantageous for him or her to have the policy pay off the negative equity or provide a down payment on a new vehicle.

For example, assuming a total loss of a vehicle valued at $15,000, but on which the owner owes $20,000, is the "gap" of $5000. If the owner has traditional GAP coverage, the "gap" will be wiped out and he or she may purchase or lease another vehicle or choose not to. If the owner has "Total Loss Coverage," he or she will have to personally cover the "gap" of $5000, and then receive $5000 toward the purchase or lease of a new vehicle, thereby either reducing monthly payments, in the case of financing or leasing, or the total purchase price in the case of outright purchasing. So the decision on which type of policy to purchase will, in most instances, be informed by whether the owner can pay off the negative equity in case of a total loss and/or whether he or she will definitively purchase a replacement vehicle.
Towing

Car towing coverage is also known as Roadside Assistance coverage. Traditionally, automobile insurance companies have agreed to only pay for the cost of a tow that is related to an accident that is covered under the automobile policy of insurance. This had left a gap in coverage for tows that are related to mechanical breakdowns, flat tires and gas outages. To fill that void, insurance companies started to offer the car towing coverage, which pays for non-accident related tows.
Personal Property

Personal items in a vehicle that are damaged due to an accident would not be a covered under the auto policy. Any type of property that is not attached to the vehicle should be claimed under a homeowners or renters policy. However, some insurance companies will cover unattatched GPS devices intended for automobile use.
Behavior based insurance

The use of non-intrusive load monitoring to detect drunk driving and other risky behaviors has been proposed. A US patent application combining this technology with a usage based insurance product to create a new type of behavior based auto insurance product is currently open for public comment on peer to patent

COMPARE AUTO INSURANCE in ALLSTATE

2010-01-30T01:33:00.000-08:00

Compare auto insurance in allstate As we know every person never expect disaster, but the unfortunate reality always comes unexpectedly and can not be avoided, so the solutions needed to anticipate the risks and reduce the impact of catastrophe losses that have occurred. Along with the increasing trend of traffic and crime measures on the highway, it also increases the likelihood of accident involving your car, from the relatively mild such as knock, scratch, pencongkelan rearview mirror, until the weight of such collisions, motor vehicle theft and even robbery .Inevitably, a prolonged economic crisis that happened, felt difficult by almost all sectors of business activity. This condition becomes increasingly difficult, if the company had to bear the risks that might occur on the assets supporting activities. Therefore, now is the time to transfer risk to the insurance company as a guarantor risk. But compare auto insurance in usa n choosing a car insurance sometimes tricky.You're looking for and confused choosing car insurance?, Maybe these tips can be a bit under consideration do not forget I enclose information / quote for car insurance can be the mother / father learned:

1. Quality:Compare auto insurance in allstate
Make sure first that will diipilih insurance including insurance categories have received prediket Best General Insurance, Indonesian Best Brand Award, Indonsian Customer Satisfaction Award. Because with this certification clearly shows that the insurance is reliable, trustworthy, and proven responsibility in serving the customer claim.

2. Cost Own Risk (Own Risk):Compare auto insurance in allstate
Sometimes back and forth to the repair shop insurance is also something that makes lazy customers, especially some of the insurance claim the system to apply to the payment of fees OR (Own Risk) or the risk itself is an average of Rp 100,000 .- one based on per event, per collision, and so of course it makes you be much burdened with the cost claim to pay OR if frequent back and forth to the shop insurance, not necessarily satisfying the customer's machine shop work done by the workshop for the mock or non-authorized. Sometimes the paint striped body image Betong make your car as if it had tremendous impact this would make your car selling points decline. Although the customer can complain to the insurance, but how long the loss of your time wasted. It's good for a very busy and lazy Bulak insurance back to the workshop should select an insurance can receive 1 (one) claim it but a collection of some of the impact / collision events within different, so maybe in a year enough time to 1 garage insurance and pay a one time OR your car body back smoothly because the garage was done by a trusted or authorized repair shop (authorized). Save and efficient.

3. Claim Process:Compare auto insurance in allstate
As to the insurance claim process should be examined first, there are several car insurance when the customer receives the claim so convoluted it is to have it ready lah lah surveyornya wait, sometimes have to argue is the first survey. Yet sometimes take a few days just to wait for SPK (Work Warrant) issued the insurance to the repair shop could fix our cars. Things like this sometimes customers feel ignored and a lot of time to wait tebuang just a piece of paper / letter. Leave a process like this is already old, you should select an insurance claim is not complicated as fast less than 30 minutes of PRS was in your hands so you stay in the shop when menenetukan insurance.

4. Work:Compare auto insurance in allstate
Many are applying some insurance rates cheap, but what if the result of the workshop was not qualified associates mock alias and not satisfying the customer. Sometimes paint your car look even striped body image Betong make your car as if it had tremendous impact this would make your car selling points decline. Although the customer can complain to the insurance, but how long the loss of your time wasted. Pay attention to this and select the insurance with a trusted partner workshops and official (authorized). Remember that your vehicle is a valuable asset, do not Sepelekan using dubious insurance services just because the difference in price premiums just a few dollars

5. Spare Parts (Spare Parts):Compare auto insurance in allstate
Spare parts are the most important part in your car, make sure the insurance guarantee spare part that used the original with warranty. Be careful with insurance that does not guarantee this so fatal consequences.

6. Responsibility to Third Parties (TJH / TPL) and the PA (Personal Accident):Compare auto insurance in allstate
This feature should be observed carefully because at the time of the accident hit a motorcycle crash example sometimes - sometimes 3rd party even more severe damage than us. Here dipelukan role of this feature, we suggest you choose an insurance with the responsibility to the big three, so you tebebebani no extra cost. Likewise with personal accident protection features driver / passenger it is also very necessary. Select insurance which is included with this feature.

7. Free Service Protection 24 Hours:Compare auto insurance in allstate
This is a very, very important when we choose car insurance, car insurance that many rely on and provide cheap rates only protection but service was not satisfactory, no 24-hour service, no telephone service sometimes difficult to be reached even nothing is said, sometimes Sometimes the area is also very limited protection was sometimes only Jabotabek area only. Out of your Jabotabek can ketar-ketir if there is a problem with your car like a strike on the highway due to a flat tire, need a crane, a key left in the car, run out of fuel, etc.. Leave this concern, select the insurance with 24-hour alert and wide area protection in Indonesia. So if you are touring out of town as far as to Medan or Bali not worry if there is a problem with your car. This feature needs to be considered for those of you who love to travel far (touring).

8. SRCC (Strike, Riot and Civil commotion - Riots, Strikes and Huru Hara & Flood):Compare auto insurance in allstate
This feature is highly recommended insurance that will ensure the risk resulting from a disturbance of public order committed by a group of people, and the actions the authorities in taking actions against such interference, whether related to the strike and counteraction to work, and civil unrest which took political bemotif. Also ensure the expansion of insurance losses caused by water overflowing out of the normal limits of the river, lakes, swamps, jebolnya floodgates, dams jebolnya, continuous rain that can not be accommodated by water channels. Damage due to flooding include damage to the interior, exterior, dashboard panels, mechanical, electrical and other damage to the insured vehicle bemotor. Select insurance already included this feature.

9. Flexibility In Payment:Compare auto insurance in allstate
Choose your car insurance premium payments flexible, can be done with cash, transfer, or credit card (Visa / Mastercard). This may help your financial management.
For that to meet the security needs, you can choose the car insurance product that can provide protection against the risks that might occur in your car.
Auto insurance costs continue to rise, and there are so many options available that you may not know which to choose.
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Compare auto insurance in allstate

Auto insurance is mandatory in every state. This necessary expense, while it may often appear to be a nuisance, can come in handy if you are involved in an accident. With medical costs and law suit judgments soaring, a solid auto insurance plan can offer the best protection of your precious assets.
No, all states do not require car insurance but they do require financial responsibility to operate a vehicle on the roadway. While not all states require drivers to buy liability insurance to show financial responsibility, 48 states (plus Washing DC) do. These states do not have compulsory auto insurance liability laws:
What states do have mandatory auto insurance?
Every state but Wisconsin and Tennessee, both states have bills that would require insurance in 2009

1. New Hampshire
2. Wisconsin

All 50 states have different requirements when it comes to auto insurance and the minimum insurance requirements. Almost every state requires you to have Bodily Injury Liability insurance and every states has financial responsibility laws that require you be able to have sufficient assets to pay for any liability you cause in an incident.

There are two auto insurance systems mandated by the states: The No-Fault system and the Tort System. The No-Fault system- utilized by most states- requires your insurance carrier to pay your injury claims regardless of who caused the accident (up to a specified limit) if you are in an accident. In contrast, under the Tort System people injured in auto accidents will be forced to seek out-of-pocket medical care, and then sue the at-fault driver's insurance company for reimbursement. They must be able to prove that such medical care was reasonable and medically necessary; under this law, the at-fault party cannot sue for reimbursement of medical costs.

Having Auto insurance not only keeps you covered in case something happens, it also lets you have peace of mind that you are covered. After all, consider the alternative. Do you know what happens if you don't get car insurance? Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify the department of motor vehicles of all policy cancellations, non-renewals, and new policies. If this is the case with you, the law enforcement officer will know it and it could cause you huge fines or worse. Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. This can be expensive to the vehicle owner. Be sure that you follow your state's auto insurance laws!

Shopping For Auto Insurance Quotes

When looking at Auto insurance quotes, you will want to find the best and most coverage possible. Although most states auto insurance laws do not require a minimum Personal Injury Protection (PIP), for example, there are advantages to having this type of coverage. If you ever have an accident, PIP will pay for you and your passengers' medical expenses. Another type of optional coverage you can consider getting is Uninsured/ Underinsured Motorist Coverage. This coverage will help pay for any injury resulting from an accident caused by an uninsured driver. It's estimated that approximately 14% of American drivers are uninsured, despite the fact that most states have laws against driving uninsured vehicles. A car accident occurs approximately every five seconds in America; it is simply safer to have comprehensive auto insurance on the vehicles you drive.

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There are plenty of reasons to insure your vehicle, but what kind of insurance should you get? The first place to start is to become thoroughly acquainted with your vehicle. It is a good idea to know as much about your vehicle as possible, including its general state of repair. Most auto insurance companies will give you discounts if your vehicle is equipped with properly functioning safety features, like safety belts and air bags. Be sure to let your auto insurance agent know about these details when getting your quote. These details can result in differences of hundreds of dollars, depending on the auto insurance company and their familiarity with your vehicle. Be sure to note whether you are entitled to other bonuses. You can get discounts for being a non-smoker, or for taking driver's safety courses. Also try to find a company that has a good, financially stable reputation and one that will process claims quickly.

Getting those free rate quotes is the first step in getting that good rate on your auto insurance. All of the auto insurance carriers you receive quotes from want your business, but it is up to you to decide which one is going to be the best for you and for your budget. With the current economic trends, having auto insurance premiums that are as low as possible is just one more way to save money that might be needed somewhere else in your life.

It is possible to save money, even hundreds of dollars on your auto insurance premiums. Every auto insurance company says this, but they are actually correct! You can save money on your auto insurance, from just a few dollars up to as much as five hundred or sometimes even more. But you can't expect to find that deal unless you look for it. So give us a chance to help us help you find that rate you desire! is easy to use, and our short form to get free auto insurance quotes online gives you access to free quotes which will give you the information you need to make an educated decision.

Browse around and see what we have to offer! Save money, get great auto insurance rates, and get the coverage you. We will make it so your auto insurance is one less thing you have to worry about in your daily life.

Alabama Auto Insurance (AL)
According to the Insurance Information Institute, in the year 2005, people living within the boundaries of Alabama typically spent approximately $678.00 on automobile insurance premiums. The latter figure actually reveals a relatively small increase in insurance rates when compared to those rates paid by Alabama residents in the year 2004: the average cost of insurance was roughly $677.00 that year. This relatively small increase can be identified from one year to the next as a 4 percent increase for the residents of Alabama.

In contrast, the year 2005 was the first year that residents of Alabama began to notice a slight decrease in the average cost of insurance, and it is believed that is significantly responsible for the price decreases due to increased competition enforced by for the consumer dollar.

In terms of auto insurance there are some minimum state requirements for the state of Alabama. Alabama uses a tort system, which means that an individual has to be found at fault for the cause of an auto accident. That person found at fault, as well as their auto insurance carrier, are responsible for the damages that result from that accident.

You should know that the tort system differs for each state and you should look at the system in the state you live in with your state insurance regulator. Visit the links page for State Insurance Regulators on for all state insurance regulators websites.

Under state law in Alabama there is a requirement of a minimum Bodily Injury Liability coverage in the amount of $20,000 or each person injured in an accident and $40,000 for each accident. There is a requirement of Property Damage Liability coverage with a minimum limit of $10,000. This type of coverage is often called 20/40/10 coverage.

Personal Injury Protection (PIP) in your auto insurance coverage will help pay for medical expenses for both you and your passengers that is "reasonable and necessary". Alabama state law does not require that a premium have PIP protection but there are some insurance companies that will offer this type of protection. You can use to find the insurance companies that offer this type of protection.

You can also receive Uninsured/Underinsured Motorist coverage for any injury that is caused by a driver that does not carry auto insurance. Alabama state law does not require this type of coverage but you can purchase Uninsured/Underinsured Motorist coverage for more protection. You can use to find the insurance companies that offer this type of protection.

There are many compare auto insurance in usa states where you can receive quote and buy an auto insurance policy online, so do not sit back and waste your money when you do not have to. Simply enter your zip code and you can find out how much money you can save on your auto insurance in Alabama.compare auto insurance in usa
Thousands of drivers on the nation's roads don't carry auto insurance, despite laws in all but two states requiring it. Critics of President Barack Obama's health overhaul plan ask: What are the chances scofflaws will treat a requirement to carry health insurance any differently?

Nearly 40 years of car insurance mandates — which the insurance industry says have failed to make roads safer or lower auto insurance costs — raise questions about how well such mandates work.

"Not everyone complies," said Scott Harrington, a professor of health care management and risk management at the University of Pennsylvania. "The auto insurance mandate is almost everywhere. But it's not rigorously enforceable."

David Sampson, president and CEO of the Property Casualty Insurers Association of America, said drivers' personal financial situations, not the rules of their states, are a better indicator of whether they carry insurance.

States with higher poverty rates show a corresponding rise in uninsured drivers, he said. Simply put, people skirt car insurance when they can't afford it.

They may do the same with health insurance, so the trick for Congress will be how to enforce a mandate without scuttling the program.

Set fines too low and healthy folks may decide to simply pay them and not buy insurance. But if fines are too high, voters may reject the plan or worry they could end up in jail for not getting coverage.

The House version would fine people up to 2.5 percent of adjustable income by 2017, while a Senate version would fine adults up to $750 a year.

Requiring everyone to buy health insurance can help spread the responsibility for medical costs. With proposed subsidies to help the poor buy into it, the so-called "individual mandate" gets Democrats closer to moving millions of uninsured into coverage plans.

Obama did not support an individual mandate in his campaign, but now says his thinking has evolved.

"We're not going to have other people carrying your burdens for you any more than the fact that right now everybody in America, just about, has to get auto insurance," Obama said in September on ABC's "This Week" show.

Auto insurance mandates started cropping up in states in the 1970s, becoming virtually standard by the 1990s.

Forty-eight states require drivers to carry some sort of liability insurance, and when Wisconsin's mandate starts next summer, New Hampshire will be the only state left where drivers can legally drive without auto insurance. Even in those states, though, drivers must provide proof that they can pay minimal levels of damage.

Despite that, 14 percent to 16 percent of drivers don't have auto insurance, according to insurance industry estimates. That's about the same percentage as Americans without health insurance — 15 percent by recent U.S. Census estimates.

Peter Urbanowicz — a former general counsel for Tenet Healthcare and the U.S. Department of Health and Human Services under former President George W. Bush — said the car insurance analogy is "an appealing argument."

But he warned that a health overhaul dependent on a mandate could unravel if a court decides that just because state governments can require car insurance doesn't mean the federal government can require health coverage.

"It's apples and oranges" to compare health insurance to car insurance mandates, said David Rivkin, former counsel to President George H.W. Bush and a critic of health mandates.

People who don't want to pay car insurance can simply choose not to drive, he said. But with health insurance, no one could avoid paying without breaking the law, Rivkin said.

"It's imposed on you simply because you exist," he said. "If the federal government can impose this kind of mandate, it can impose any kind of mandate."

Even Congress' own lawyers acknowledge compulsory health insurance is complicated.

In a July report on whether a mandate would be legal, the nonpartisan Congressional Research Service concluded that it "seems possible" — but noted it's something the federal government has never attempted to do.

Mandate supporters said because health care makes up some 16 percent of the national economy, Congress can successfully argue that compelling coverage is within its power to regulate commerce.

Massachusetts became the only state to mandate health insurance in 2006. It has passed legal muster and led to 97 percent of residents having some form of coverage, said Alan Sager, director of the Health Reform Program at Boston University's School of Public Health.

"It has been shown the mandate can be administered and implemented simply," he said.

Insurance Companies Listed in Alphabetical Order
http://makelarz.blogspot.com/2008/11/insurance-companies-listed-in-z.html
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http://makelarz.blogspot.com/2008/11/insurance-companies-listed-in-x.html
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http://makelarz.blogspot.com/2008/11/insurance-companies-listed-in-u.html
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http://makelarz.blogspot.com/2008/11/insurance-companies-listed-in-r.html
http://makelarz.blogspot.com/2008/11/insurance-companies.html
http://makelarz.blogspot.com/2008/11/insurance-companies-homeowners-auto.html
http://makelarz.blogspot.com/2008/11/insurance-companies-listed-in-o.html
http://makelarz.blogspot.com/2008/11/insurance-companies-listed-in-n.html
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http://makelarz.blogspot.com/2008/11/insurance-companies-such-as-liberty.html
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http://makelarz.blogspot.com/2008/11/insurance-companies-listed-in-j.html
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http://makelarz.blogspot.com/2008/11/insurance-companies-auto-home-life-and.html
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A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Compare auto insurance in allstate

COMPARE CAR INSURANCE

2010-01-26T22:02:00.000-08:00

Compare car insurance It is always a great idea to compare auto insurance in order to find the most suitable insurer
21st Century Insurance Company $XX Rating of "A+" (Superior) About Drive from Progressive
GMAC Insurance Company $XX Rating of "A-" (Excellent) About GMAC
Infinity Insurance Company $XX Rating of "A" (Excellent) About Infinity
Bristol West Insurance Company $XX Rating of "A+" (Superior) About Bristol West
Unitrin Insurance Company $XX Rating of "A" (Excellent) About Unitrin

Yet, we also found many insurance firms in which high commissions convert into lofty rates, with no increase in service quality," J. Robert claimed. "Great online insure rates as well as good service might be found in case consumers take the time to compare companies."

Findings

Consumer Federation of America reviewed commission data from the twenty most popular writers of insurance for both individual passenger insurance policy as well as homeowners insurance. This sum commission information combined regular commissions and dependent commissions (paid after policies are sold and based on special sales or on profitability goals).

The report compared sum commissions with cost, insurer profitability and service quality according to grievance data and consumer contentment indices. Consumer Federation of America (CFA) found that:

1. Insurance companies having lower commissions often have lower charges. This is not always the situation, so consumers have to shop cautiously.

2. There is no evidence that paying higher fees to an agent or broker derives either better service or higher customer satisfaction. Actually, there appears to be no correlation between the amount of commission disbursed and the value of service supplied.

3. Some insurers propose high-quality deals. Other insurance providers have rates that are almost always high.

In less competitive businesses, some insurers may be tempted to attract market share by offering higher fees to agents or to brokers with higher costs and, sometimes, higher gains for the insurance provider. Credit insurance is one area where this kind of `reverse competition` is particularly frequent.

Instructions for Customers

We propose several tips for customers when shopping for web insure:

1. Shop around! This study revealed that monthly payment charges usually ascend with commissions, though this isn`t always correct. Consumers should be sure to get quotes from several of the lowest premium insurance companies, including the direct writers of insurance that typically don`t disburse commissions.

2. Consumers don`t need to disburse more to get excellent service. Some of the companies with the most excellent service records have low prices and low or no commissions. It is worthwhile to shop among the firms which have the lowest prices and the highest customer contentment/lowest complaint ratios.

3. In order to get information about insure policy rates, check state cost information guides. Most of the states have cost information guides. Regularly, customers are able to download these guides from the country`s insurance department site.

4. In order to receive grievance information on insurance providers, check in the National Association of Insurance Commissioners` web-site, www.naic.org.

5. Be cautious with going to just a single insurance agent or broker for web insurance, even if that insurance agent represents several insurance firms. Customers must be aware that some agents who represent more than one insurance provider might put the customer in a higher priced insurance company with larger commissions even if the customer meets the requirements for a lower cost. States don`t necessitate agents or brokers to place the customer with the most excellent insurance plan for him.

6. Ask agents or brokers the important questions:

Do you represent me or do you act for the insurance firm you are suggesting me to use?

What commission are you earning compared to the price of the online ins policy policy you are recommending me to buy?

Am I getting the lowest price between all the web ins companies that you represent for which I meet the requirements?

What other insure on line providers do I qualify for that you act for? What are the costs I would disburse at those insurance firms and what fee would you earn with every insurance provider?

Do you have a contingency commission agreement with the insurance provider you`re recommending? Please completely clarify it to me.

In case I have a claim, do you act for me or the insurance firm in the claim process? Is your reimbursement in any way connected to claims filed by me and other clients of yours?

Inquiring about Car Insurance articles? Locate below...

1. Best Ins Information
2. Get Free Insurance Quote: detailed directions for Get Insurance Agent
3. Home Insurance extensive information

We look forward to the prospect the text above which reviews the matter of car insurance is going to serve you well in your effort to reach a fresh angle on the characteristics of car insurance, which is often misunderstood.

Auto Insurance in France

2009-12-26T16:41:00.000-08:00

Auto insurance is legally required in France
Auto insurance is a legal requirement in France, as it is in Britain. Make no mistake about this, because not having Auto insurance is an offence punishable by six months in prison, and that is not the ideal way to spend your holiday or new life in France! However, although there is a lot of conflicting information out there about Auto insurance in France, it isn't as complicated as it may at first appear, and you can take heart from the fact that millions of Brits have already managed to sort it out satisfactorily.

Auto insurance options
There are a number of options open to the British driver who wishes to drive in France. The best way forward depends very much on individual circumstances and requirements, and depends to some considerable degree on whether or not you are a resident of France, of another European Union country, or of a non EU country.

Auto hire in France
If you are a short term visitor only, then you may find that a simple Auto hire agreement is the most straightforward solution for you. Auto hire firms may offer special deals, and rates are usually competitive and reasonable. The advantage of doing this is that the Auto is easily available from your point of arrival in France, and can be dropped off at your point of departure, and you do not have to worry about insurance or “controle techniques” or complex registration processes! Auto insurance through Auto hire firms in France differs as it does in the UK. It would always be best to hire the Auto through a reputable company, check what fully comprehensive insurance actually covers, and look into the costs of paying extra for collision damage waiver which may not be included initially.

Long-term solution for your Auto insurance in France
If, however, you are going to be in France for long periods of time, or on a very regular or permanent basis you will need to take the bull by the horns and finds a long term solution.

Auto insurance for residents of Non European Union Countries
If you are resident of a non EU country such as Canada or the USA, you can take advantage of a great system known as the TT scheme. Citroën run one such scheme, in which you receive a Auto under temporary ownership at a very low price. Tax, insurance etc. is all taken care of for you, and you can use the Auto for a minimum of 17 days and a maximum of 180. The Autos are fitted with easily recognisable plates, so you are unlikely to get any hassle from the police.

Auto insurance in France using your existing Auto insurance company
The easiest way to insure your Auto in France if you are still resident in the UK, is to contact your existing Auto insurance company, to extend your UK policy to cover France. Usually Autos are covered for third party in EU countries, but it would be advisable to increase cover to fully comprehensive. It would be well worth looking into the breakdown insurance that is offered too, as many offer an excellent package with English speaking assistance provided. Check the options on offer as some Auto insurance companies include everything in one package, while others offer a cheaper initial deal but leave out important cover. It would be worth making sure that the cover includes road-side assistance, replacement parts cover and providing over-night accommodation when necessary. Some will get your Auto back to the UK, others won’t.

Green card system
If you have an English registered vehicle which you wish to drive in France, you may wish to take out a Green Card .This is not an insurance policy in itself, but simply an internationally recognised card which guarantees that you have suitable legal insurance from your own country. It is not, strictly necessary for EU drivers in France, but it can be a useful item should you be stopped or, involved in any accident. Your insurer in England should be able to issue this card on request, and there should be no extra cost although some agents charge a small administrative fee. This option, however, is only suitable for those who are UK residents. If you are resident in France the rules are quite different. Please note also, that this is only suitable for those who only need to drive the vehicle in France for less than 90 days per year.

Auto insurance for a second Auto in France
One option which you may consider is that of keeping a second Auto in France for use when you are in the country. This is feasible, but you must understand that the legal requirement for insuring such a vehicle is different from the requirement in Britain. In the UK, once you have filled in a SORN form you can legally withdraw insurance payments until such time as you wish to re-use the Auto. In France, although you must notify your insurer that your Auto is off the road, as in the UK, you are legally bound to maintain third party insurance on the vehicle at all times. Another factor to consider is the cost of second hand Autos in France... if cost is an issue, which it is for many of us! Second hand Autos in France are much more expensive, as a rule, than they are in Britain, so this needs to be built in to the planning if you are considering this option.

Auto insurance for French residents
If you are a permanent resident in France you are bound by French law. French law states that if you are resident in France, insurance on your vehicle is part of your "responsibilité civile". If you are a French resident, to comply fully with French law you must register and insure your vehicles within the French system, which means changing your UK plate to a French plate. It is possible to legally drive an English registered vehicle which is insured with a French insurer, but usually only for six months, and only when you are involved in the process of changing the registration of the vehicle to a French plate. (Although some have been told that as a French resident, you have one month to complete the registration unless there is a valid reason that will take you beyond that time.) It will be necessary to go the local Hotel des Impots and ask them for a quittus fiscal certificate. The certificate is free and incorporates your authority to drive your UK vehicle on its foreign plates for a month (or however long agreed by the authorities), whilst you arrange the registration.

Auto insurance for English number plates
Many French insurance companies are not keen to offer a service of insurance for English plated vehicles, but if you shop around you will find one who can. AGF are a company who are usually amenable to this, and are very reasonably priced as well. Do begin the process of changing to a French plate as soon as possible though... like everything that you do in France you will find it takes for ever, requires more paperwork than you ever thought possible and is inevitably more complicated than you expected!

Auto insurance and tax in France
There is another reason too, for changing to a French plate as soon as possible. If you have an English plated vehicle which is based in France, yet you make trips to the UK in that vehicle, you can run into the problem of tax. In France there is no system of tax discs as there is in the UK. This means that unless you continue to pay to maintain a UK tax disc, when you enter the UK you are immediately driving illegally. A fully French registered vehicle in England does not face this problem, as the differences in the systems are recognised and accepted.

French Auto insurance
French Auto insurance is similar to, but different from the British system in certain ways. It is basically three tier, with the minimum legal requirement being third party insurance (au tiers) only. Remember this is essential on all vehicles even if off road. The next level is third party, fire and theft, (au tiers illimité, or au tiers complet) and the third is the fully comprehensive, (tous risques). After this, bespoke packages can be created to suit, with your agent adding cover as required. Generally the cost is considerably less than the cost of similar insurance in the UK. Your no claims can usually be carried over from your British insurance, but you will need to supply... guess what... lots of paperwork! Your insurer will send you a ticket to place on the windscreen to show that the insurance is in place. He will also send you an accident form (constat amiable), which you should carry in your vehicle at all times.

Driving licences for French residents
And something else to bear in mind is that if you are now a French resident insuring with a French insurer, you may have to get an International driving licence or a French driving licence. It may sound simple but it isn't necessarily so. You have to be resident in France six months before you can apply to change your licence. The form to be filled in is obtainable from the Sous-Prefecture or similar office, and you also need two passport photos, proof of identity (passport) and proof of domicile (EDF or FranceTelecom bill, or better still, a French medical card obtained from a doctor).

UK driving licences for French residents
However, to avoid having to apply for an International driving licence or French one, it is now possible if you are a French resident, to keep your UK driving licence until it's date of expiry, but you must be aware of a few things. Firstly, this used to be a problem and still is with some French insurers, as many wouldn't accept a UK driving licence. As this is now EU law however, this shouldn't be a problem for much longer. Secondly, you must still have a UK address for your UK driving licence, even if it is your previous UK address. Thirdly, you will still need to follow French law regarding driving licences, eg: age restrictions, validity of licences, medical checks. And finally, if you incur penalty points or road traffic offenses on your licence in France, you will need to change to a French licence. This is more likely to occur if stopped in person by the police.

How to get French Auto insurance
There are insurance (assurance) agents in every town... probably several of them. If your French is good enough you could try the straightforward “walk in” approach and see what services they can offer you. (Learning to speak French - Misadventures in a Foreign Tongue). If your French is shaky, however, the tried and tested “word of mouth” system is useful. Talk to other ex-pats in your area, find out what companies they use and what services are offered.

French Auto insurance companies AXA and AGF
Failing this, there are two large Auto insurance companies which are well versed in dealing with British drivers who need to insure vehicles in France. These are AXA and AGF. AXA have UK agents, and both companies have many English speaking staff (although not necessarily in every office). You do not, of course, need to insure with a local agent as everything is done by post, so you can use an English speaking agent from the other end if the country if you can't find one locally. Shop around until you find the package... and the agent... that suits you.

Final Auto insurance advice
Insurance is one of those things in life which can seem an expensive hassle until you need it. Then it magically becomes the wisest and best thing you ever did!

California Department of Insurance Contact Information

2009-12-26T16:34:00.000-08:00

California Department of Insurance Contact Information The California Department of Insurance is responsible for enforcing many of the insurance-related laws of the state. We are foremost a consumer protection agency. Our number one priority is to protect insurance consumers by regulating the industry’s practices and encouraging a healthy marketplace, which is one of the largest in the world.
Consumer Inquiries and Assistance
Consumer Communications Bureau
300 South Spring Street,

South Tower
Los Angeles, CA 90013
800-927-HELP (4357)
Out-of-State Caller
213-897-8921

Producer Licensing Bureau
California Department of Insurance
320 Capitol Mall
Sacramento, CA 95814

Sacramento Office
800-967-9331
916-322-3555

Fraud Division
California Department of Insurance
9342 Tech Center Drive
Suite 100
Sacramento, CA 95826
Phone: 916-854-5760
Fax: 916-255-3202
Fraud
@Insurance.ca.gov

* Complete list of Fraud Division Regional Offices

Auto Insurance in California

2009-12-26T16:24:00.000-08:00

Auto Insurance in California for more visit insurance.ca.gov California Department of Insurance This California auto insurance company comparison chart is meant as a guide only.
Be sure and get several quotes, before buying auto insurance. There are many bogus marketing claims.
Auto Insurance in California
21st Century Insurance Company (AIG)
Woodland Hills, CA
1-800-870-8212
874
1999
Merged with AIG auto insurance

AAA - American Automobile Association
Refuse to say - no "About"
none
1998
Must enter ZIP
14
Allstate
Northbrook, IL
1-866-621-6900
995
1997
#1 in negative comments
13,900

California State Automobile Association
San Francisco, CA
none
1996
Must enter ZIP

Eastwood Insurance
Anaheim Hills, CA
1-800-468-LESS
1999
Nor. Cal.

Esurance (White Mountains Insurance Group)
San Francisco, CA
(Bermuda)
1-800-378-7262
2000
65

Farmer's Insurance Group (Zurich Financial Services)
Los Angeles, CA
none
1,079
1997
Must enter ZIP
544

Geico (Berkshire Hathaway)
Chevy Chase, MD
1-800-861-8380
358
1997
Many TV ads
1,130

Mercury General Corp.
1,099
Uses many names

California Automobile Insurance Company
No website

Mercury Insurance Company
Los Angeles, CA (PDF)
1-800-956-3728
1998
8

Mercury Casualty Company
Los Angeles, CA
1-800-431-6654
no website

Nationwide Auto Insurance
Columbus, OH (contact)
1-877-669-6877
222
1997
"A few days"
315

Progressive Auto Insurance
Mayfield Village, OH
1-800-776-4737
454
1998
1,990

Safeco Insurance
Seattle, WA
1-800-903-0679
191
2007
446

State Farm Auto Insurance
Bloomington, IL
none
1,370
Must enter ZIP
1,980

The General Auto Insurance (General Automobile Insurance Services)
Nashville, TN
1-866-519-7422
1998
Many TV ads

Allstate seems to be the worst, regarding negative comments on the web.
Progressive and State Farm also have many negative comments.

California Auto Insurance Quote Information
(for online quote comparison purposes, liability-only for simplification)
Form Info Required

Quote Info
Entered
Low income neighborhoods pay much more

Expect to be spammed senseless
Expensive neighborhoods pay much less

Young drivers pay much more - more accidents
Male drivers pay much more - more wild
Single drivers pay much more
Experienced drivers pay far less
Accident drivers pay more, esp. if young
Drivers with traffic tickets pay more
Homeowners pay much less - more responsible

SUV drivers pay more than compact drivers
Models with high accident rates pay more
High mileage drivers pay more
"Paid for" results in paying less

In almost EVERY case, you must give ALL your personal information FIRST, or you cannot proceed. This is unfortunate, because at any point, if you don't like the subsequent questions (some are too personal), and decide to stop, they ALREADY have your personal information, so that they can spam you senseless with emails and phone calls.

That's why I don't do this, except with a throwaway email address, and false information. I refuse to become their relentlessly targeted pigeon, before I have reviewed all my other alternatives. I prefer the "soft" sell.

Disclaimer:
Many web pages claim a "List of California Auto Insurance Companies", yet not a single one actually has a list.
That's why I made this summary page - an actual list of the top California Auto Insurance Companies.
The above data was summarized from each company website listed above.
The author is not perfect, and errors can occur.
This California auto insurance company comparison chart is meant as a guide only.
Be sure and get several quotes, before buying auto insurance. There are many bogus marketing claims.

My personal thought: An innovative company might want to supply a "Quick Estimate Quote", which DOES NOT REQUIRE an email address. They would get A LOT MORE inquiries if they did this. Many, many folks are tired of email spam. If the quote is in the ball park, an interested driver could then, and only then, supply the personal information for a formal quote. If they lowball the initial quote, everyone will know about it soon enough, and develop a "bad taste" in their mouth about the company. BOTH PARTIES could benefit from such an arrangement. (It will never happen though, due to the "hook 'em and bombard 'em" mentality of the marketers). Personal privacy on the web and freedom from spam have become huge issues.

Lowering Your Auto Insurance Costs

2009-12-26T14:03:00.001-08:00

Vehicle insurance - a cost we all must bear if we want to drive. But you might be surprised at
how varied the rates for car insurance can be in your area. Definitely shop around for your car
insurance. Don’t just go with the first agent you speak with.
Now, thanks to the internet, you can shop around right from the comfort of home. Go ahead and
get at least three price quotes from different kinds of insurance companies.
If you’re in the market for a new car, call to see how much it will cost to insure in the first place.
Having a car alarm and other anti-theft devices can help lower your costs.

Always ask about discounts. Don’t be shy. Companies expect this!
What’s my cost if I have a $500 deductible? (Increasing your deductible from $200 to $500
could reduce your collision and comprehensive coverage cost by as much as 30 percent.)
How about a $1,000 deductible? Going to a $1,000 deductible can save you 40 percent or
more. (Now if you don’t keep at least this much in the bank, don’t choose this option!)
If your car is worth less than 10 times the annual insurance premium, purchasing extra
coverage may not be cost effective. That’s one great thing about owning an old car!
My credit rating is excellent. I always pay my bills on time.
What if we insure more than 1 car with your company?
I haven’t had an accident in more than three years…
I haven’t had a traffic ticket in three years…
I’ve taken a driver’s training course.
My car has an anti-theft device.
I don’t put a lot of mileage on my car in a year’s time.
I carpool.
My car has air bags.
My car is quipped with anti-lock brakes.
I have daytime running lights.
I’m a student driver with good grades.
Since I have both auto and home coverage with you, do I qualify for a discount?
I’m a college student away from home…
I’ve been a long time customer…
My mom and dad use your company…
Do you offer any other discounts? Some companies offer reduced rates to drivers who get
insurance through a group plan from their employers and other professional groups. It can’t hurt
to ask.
Not every company will offer the same discounts. Compare the final prices the various
companies offer you. It pays to shop around for your car insurance!

How To Choose The Right Body Shop

2009-12-26T14:01:00.000-08:00

You don’t want to fool around when choosing a mechanic for your car. Keep an ear open for
recommendations and warnings when your friends and family have car troubles. If you know
beforehand of a body shop you feel comfortable with, you won’t need to make a rushed or
incomplete decision when you need one.
Ask friends and associates for their recommendations. I stay in touch with homeschooling
families. They’re often part of a larger group that can share recommendations for mechanics
they’ve felt were honest and reputable

Check with your local Better Business Bureau regarding the reputation of a particular body
shop. Ask about the number of complaints, if there were any, and how the complaints were
resolved. Don’t be too anxious if there were some complaints. No one pleases everybody, and
there are some people you can’t satisfy no matter what. But if you see a pattern of the same
kinds of problems, beware.
Next, pay a visit to the shop and ask if they handle your vehicle make and model. Check to see
how long they’ve been in business. What kind of feel do you get about the place? Are you
treated with courtesy? Does the staff behave professionally?
You don’t need to “white glove test” the place, but it should be neat, and organized. Also, times
are a’changin’, and modern equipment is an absolute must.
Sometimes, vehicle manufacturers recommend specific repair procedures and tools for the
repair of their vehicles. Ask if the shop is trained in these procedures and has the necessary
equipment.
Are there any civic and community service awards hanging on the walls? It’s a nice touch. Do
you see diplomas or certificates of competence? You want a technically competent staff.
Look around the place. What kinds of vehicles seem to be in the repair stage? Does everything
look like it’s being handled professionally? Don’t be shy about talking to folks in the waiting
room to see they’ve tried the shop before and how pleased they are with the service they’ve
received in the past.
My number one suggestion is to ask around and see where others have had satisfactory car
repair work done. Even if you’re feeling stressed and in a hurry, ask at least 15 people. That
way, you’re likely to get the same place mentioned more than once. A little time spent on the
basics can save you a load of trouble in the long run. And once you find mechanic you trust,
your car’s future looks a lot brighter.

Getting The Best Automotive Service

2009-12-26T13:59:00.001-08:00

Just as clear communication between you and your doctor can equal better care for your body,
communicating carefully with your mechanic means the best care for your body of your car!
When you think about it, you know your car better than anyone else. You drive it every day and
know how it feels and sounds when everything is right. So don't ignore its warning signals. If
something doesn’t feel quite right, get your car checked out.
The following tips should help you along the way:

“Preventative Medicine”
Follow the recommended service schedules.
Keep a log of all repairs and service.
Check your car for:
 unusual sounds
 odors
 drips
 leaks
 smoke
 warning lights
 changes in acceleration
 changes in engine performance
 changes in gas mileage
 changes in fluid levels
 worn tires, belts, hoses.
 difficulty in handling, braking, steering
 unusual vibrations
When there is a problem…
 Write the information/symptoms down to give to your repairman.
 When did the problem first start?
 Exactly when does the problem occur?
 Is it constant or does it occur now and again?
 Does the problem happen when the vehicle is cold or after the engine has
warmed up?
 Is the problem noticeable when you accelerate? When you brake?
 At all speeds? When shifting?
Remember to let the technician diagnose and recommend a remedy, even if you think you
already know what the problem is. Plus, it’s important not to demand an on-the-spot diagnosis.
The technician needs to thoroughly examine the vehicle before knowing what’s really going on.
Stay involved. And don’t be shy about asking as many questions as you need to understand
the problem. Mechanical terminology can be confusing to the layperson.
Ask for simple definitions of technical terms you’re not familiar with.
It’s hard to be patient, as most of us feel completely incapacitated without our vehicles. Make
sure you ask to be called and informed of the problem, recommended action, and costs
BEFORE work begins.
Before you leave, ask about labor rates, guarantees, and what methods of payment are
acceptable.
Leave a telephone number where you can be called.
The information you share with your auto technician will enable him to more easily locate the
problem, diagnose it, and repair any damage. Then you and your car will be on the road again!

Buy A Car: What Not To Do

2009-12-26T13:57:00.000-08:00

There are a lot of important considerations when buying a car, and a lot of things you can do to
make it easier for yourself. There are also a lot of things you shouldn’t do, either because it will
mess up your negotiations, or could end up more directly costing you money.
• Don’t let your car buying be an emotional choice. Just because your Uncle Bob is selling
a car, and hey, you need a car, does not necessarily mean that Uncle Bob’s old car is your best
choice. Uncle Bob may have smoked. Uncle Bob may have driven a car big enough to fit your
high school soccer team.

• Don’t give out your personal information. Especially if you are buying a car from an
individual who is selling their old car, all they need is for you to fill out the information on the
transfer papers. If they are concerned about your check, go to the back and have a certified
check done. At the car dealership, they only need numbers like your social security number if
they are going to be doing your financing, and then only once you have actually agreed to buy
the car.
• When negotiating, don’t talk too much. Once you make your offer, let it sit. Wait for them
to say something. This can be difficult, as you may feel the urge to add something onto your
offer, such as “…or maybe we could go a bit higher” when the salesperson doesn’t say
anything, but let it sit. Smile and wait for them to respond, and when they do, ask them why they
can’t meet your offer. Go through their offer fee by fee and charge by charge.
• When negotiating, the salesperson may leave his or her desk momentarily, perhaps to
talk to someone else. While they are gone, don’t say anything that you wouldn’t say in front of
the sales person.
• Don’t express excitement about the car. Sellers can sense this, and will exploit it. If you
feel like you’ve appeared too eager for the car, leave and come back another day.
• Don’t sign anything until the entire deal has been negotiated. Treat your signature as
the end of negotiating, even if it isn’t, and don’t sign until you’re willing to accept the terms – you
can make the deal conditional on an inspection
• Avoid paying a deposit. Deposits, while they may be refundable, usually aren’t. Or it’s just
very difficult to get the deposit back.
• When buying a used vehicle, don’t skimp on the background checking. Make certain
that the car does not have a lien against it.
Buying a car is a very exciting event. Avoid buyer’s remorse by researching carefully and
making certain that everything is right. Be sure that this is the right car for you and that you’ve
gotten the best possible price.

Buy A Car: Make A Visual Inspection

2009-12-26T13:56:00.000-08:00

When shopping for a used car, it is important to be able to recognize the signs of a potential
lemon. A visual inspection can be enough to steer you away from a bad deal. It should not
replace a proper inspection by a qualified mechanic, but the visual inspection can tell you if you
should continue to that point.

The first thing to consider is whether the odometer is reasonable. The average car is driven
about 15,000 miles each year. Now the world may be filled with little old ladies who only used
their car to drive to church on Sundays, but there are also those who will roll back the odometer
to try to get a higher price. If the mileage seems low, check to see if the dashboard shows any
sign of tampering, like scratches or missing or mismatched screws. Check the wear of the
driver’s seat and floor mat as well as the steering wheel and pedals. Does the amount of wear
seem to match the reported mileage? Try to find an oil change sticker and see if the information
on it matches the odometer.
Every vehicle has a unique VIN, or vehicle identification number. You can use this number to
obtain a vehicle history report. This report will be able to tell you the vehicle's complete history,
including its place of assembly, accident, repair, and odometer history, whether the vehicle has
been leased or used as a rental car or taxi and whether there is a lien paced against it.
Before purchasing the report, however, it is a good idea to check to see if you have the correct
VIN. The VIN can be found in three places, on the vehicle registration card, on the bottom of
the windshield on the driver’s side and on the manufacturer’s label, which is usually found on
the driver’s side door or door jam. Check that the VIN is in all three places and is the same.
Also, check to see if any of the labels show signs of tampering. A missing or altered VIN is a
sign that the vehicle may be stolen.
Next you should look for signs that the vehicle has had bodywork done. These signs include
paint splatter or over spray in the seams between panels, areas where the paint doesn’t match
or feels rough to the touch, and bumps, dents, or ripples in the paint. Recent bodywork is
evidence that the car has been in an accident.
Other things you should look for in a visual inspection include signs of rust, leaking fluids and
excessive tire wear (tires may be expensive to replace, especially immediately after purchasing
a vehicle). Also check the condition of the interior. Make sure that the lights and signals have
not burned out, and that all the switches and fittings work as they are supposed to. Your goal in
doing a visual inspection should be to find that the vehicle appears to have been properly
maintained. If everything looks good at this point, you can ask to take the vehicle to a mechanic
for a proper inspection.

Buy A Car: Should You Trade In Your Old Car?

2009-12-26T13:55:00.000-08:00

Trading in your old car often knocks quite a bit off the purchase price of your new car, and can
be a convenient way to get rid of your old car at the same time, without having to go the hassle
of finding someone to buy it. Trading in a car, however, tends to give the most advantage to the
dealership, as they will pay you the wholesale price or less for your used car and will sell the
used car for retail price or more. Their profit margin is often higher on the traded in car than on
the new cars they sell.
A trade-in can still be to your advantage, as many states calculate the sales tax on the new car
as the price of the new car minus the trade-in value, so you would be paying less tax. Not all
states do this, so you should check – any dealership in your state will know what your state’s tax
policy on trade-ins is.

Another option you may wish to look into if you don’t want to privately sell your car is to sell your
car back to its own dealership. If your car is a Volkswagen, and you’re buying a Toyota, sell
your car back to the Volkswagen dealership. You may be able to get more for it than you could
from the Toyota dealership, because a Volkswagen is worth more to a Volkswagen dealership
than it is to a Toyota dealership.
To find out the value of your car, you can ask your insurance agency. They have access to the
Kelly Blue Book, which you may also be able to get a hold of, which tells the values of each car
based on its model and year. You can also look online to find cars of similar makes and
compare prices and mileage. Make sure you know all of this information before you go to tradein
or sell your used car.
A small but important detail when looking to trade-in or sell your used car is cleanliness. Before
you take the car in, spend a bit of time removing all of your personal belongings, vacuuming the
car, and airing it out. As a bonus, you may find some coins in the cushions. A professional detail
job may also increase the perceived value of your car. A clean car can sell for a couple of
hundred dollars more than a messy car, and dealers are people too. They too are affected by
the appearance of a car, even if they will detail the car again before they put it out onto their lot.
Trade-ins can make your new car buying experience easier. You won’t have to worry about
what to do with your old car, and it definitely feels better to have a lower price on your new car.
But don’t forget that you paid money for your old car, too, and you deserve some of the value.
Also, don’t let a trade-in damage your negotiating power – try to keep the negotiating about the
trade-in separate from your negotiations about the purchase price of the new car.

Buy A Car: Should You Buy Online?

2009-12-26T13:54:00.000-08:00

There can be many advantages to buying a new or used car online. The internet, of course, is a
useful resource when you begin your car buying journey, regardless of where you decide to buy
your car – you can compare makes and models and determine what kind of car you want before
heading to the dealership. This is important because car salespeople will often try to sell you
what they want to sell you, not necessarily the car you want. (This can be especially true of
used car salespeople – who has not been to a used car lot and told that hey, this may not have
been the exact car you wanted, but look at what a nice color it is?)

For many people, the advantages of the internet can go one step further and they decide to buy
a car online. When buying a car online, it can be difficult to do things like a visual inspection or a
test drive, so an important thing is to buy from a website that is reputable. Read the feedback
that other people have left. Go to car websites or message boards and try to talk to people who
have bought cars online, to compare their experiences with different websites. Buying a car
online can offer advantages such as the greater choice in make, model, and color you can have
over going to a dealership, especially in used cars.
Remember that even over the internet, salespeople are still salespeople. Just because the voice
and face on your webcam are pleasant and you want to be nice, remember to act the same as
you would if you were at the dealership. Ask questions, and do your research.
Be certain that even after the car is shipped, there is a way you can return the car. If you need
to return the car, you may end up paying some of the shipping costs. Be sure to budget for this,
as you do not want to be reluctant to return a car that is not perfect for your needs.
Many people have happily bought and sold cars online. If you decide to buy a car online, make
sure you are one of the happy buyers by doing your research, choosing the right car for you,
and buying from a reputable website where there is a venue for complaints.

Buy A Car: When Should You Buy?

2009-12-26T13:52:00.000-08:00

There are times during the year when it is better to buy new or used cars, depending on the car
and what you are looking for. For example, as you probably already know, it can be better to
buy a convertible or other summer fun car in the fall, when people are looking for more practical
cars and those who had convertibles and were planning to sell them after “one final summer”
are looking to sell.
If you are buying a car from a dealership, the best time to buy a new car can be in the fall as
well. Dealers are trying to empty the lot to make space for next year’s models. The downside to
this can be if you want a specific model or color, as that car may be less available and thus the
price can be higher. Also, if you are only planning on owning this car for a few years, the older
model will have depreciated more, even if it is bought on the same day as a newer model.

You do not always need to go during a sale to get the sale price. Unless the period of time is the
manufacturer’s incentive period, you can get the same deal the rest of the year. Manufacturer’s
incentives are only available during the incentive period. Dealer’s sales prices can be negotiated
at other times of the year, and often when people go to sales, they actually end up paying more
than they might have negotiated for on a different day, just because a car buyer might feel that
the car they want could be sold to someone else. Incentive periods, however, are good times to
go.
On a day to day basis, it’s best to head to the dealership:
• On a weekday, such as a Tuesday or a Wednesday. These days are quieter at the
dealership, and you may feel less pressure. The sales people may feel more conducive to
giving you a good deal, so that they can make a few sales.
• Near the end of the month. Dealerships often keep monthly records of car sales, and
bonuses are given out on top of commissions based on meeting a monthly target. A
salesperson and a manager may be easier to negotiate with if they are trying to get a few more
sales to reach a target. Targets are based on numbers of cars sold, not on profits per car,
although the profit per car does effect commission at some dealerships.
• On a day when you have a lot of time available. While you do not want to waste too much
of your time, rushing through car negotiations can mean that you miss out on a potential for a
better deal.
The best time to buy a car, of course, is before you actually need one. Even if you do have to
have a car that very day, do give yourself some time to figure out the best car to buy and how
much you want to pay.

Buy A Car: Choosing The Right One

2009-12-26T13:51:00.000-08:00

Buying a car, other than buying a house, is often the single most expensive purchases a person
can make in their life. How do you choose that car?
A car, SUV, truck, or minivan needs to basically do one thing: get you and your family from point
A to point B. What kind of car can do this most efficiently for you?

First of all, do you want a car? A minivan? An SUV? You need to consider what you will be
using the vehicle for. Just because you have two or three kids to taxi around does not always
mean you need a minivan. There are many larger sedan style cars, as well as station wagon
style cars, that car manufacturers are gearing towards the family on the go. Smaller minivans
can also work well for many families, while being more fuel efficient in these days of rising gas
and energy prices.
A Sports Utility Vehicle is a fun choice, and great for those who like to camp and go offroading.
Judging from the number of SUVs sold in North America, that seems like pretty much a third of
the population. SUVs may not be the best choice for many who don’t often camp or need a
SUV, because they are big and use a lot of gas.
A pickup truck with a crew cab can be a good choice for the driver who needs both the ability to
haul loads, and take their kids to hockey practice.
Do you want a hybrid car?
Hybrid cars are the newest form of car designed to be fuel efficient. They have two motors, one
gas and one electric. During braking, the electric motor generates electricity, which is stored and
used to run the car’s lights, etc. This can save gas, but not necessarily so much that you save
enough money in gas to make up for the higher price of the car. But for the environmentally
conscious, the commuter who has to drive a lot or far distances, or those who just like the look
of the car, a hybrid car can be great. The Toyota Prius, for example, can get up to 60 miles to
the gallon. This can work out to savings in the long run, depending on how long you keep the
car.

Electric cars
Electric cars run off of fuel cells, and are thus more environmentally friendly than gas powered
cars – no air pollution. These cars may not be the best choice for everyone. If you decide you
want an electric car, be sure and research the individual model you want.
Another important decision which you will need to make is whether to buy a new or used car.
This is a personal decision, based on a variety of factors, including comfort, financing, trade-ins,
and price.

Buy A Car: Get A Vehicle Inspection

2009-12-26T13:50:00.000-08:00

Once you’ve looked over your used vehicle, inspected it yourself, test driven it, and negotiated a
price, you may think you are done and the only thing you have left to do is sign next to the little
post it sticky and drive away with your practical new to you car.
Before you drive away, or sign anything, make sure that your car purchase is conditional on the
car passing a vehicle inspection by an independent mechanic. If you can’t take the vehicle to
the mechanic, automobile associations often have mechanics who will travel to the car and
inspect it at the dealership or the private seller’s home. This inspection can cost between $75 to
$100, so this should be one of your last steps in purchasing a car – you don’t want to spend
$100 on every car you look at.

An independent mechanic can make certain that the car is actually in good shape. He or she
might find small concerns with the car – brake pads needing to be replaced soon, or a worn belt.
This may allow you to go back and renegotiate the price of the car, perhaps deducting some of
the repair costs, or having the dealer do the repairs. If the dealer does the repairs, you may wish
to get another vehicle inspection after he or she is done.
So in your deal with a dealer, or while talking to a private seller, make sure it is known and
written down that the deal is dependent upon a vehicle inspection.
Have a clause added to the deal “this deal is contingent upon an inspection by mechanic Bob
and my accepting of that vehicle inspection”. If the dealer will not accept this clause, simply do
not sign the deal until the vehicle inspection has been done.
If the dealer or seller refuses a vehicle inspection by an independent mechanic, walk away.
Better yet, run away.
Also be willing to walk away from the car if the results of the vehicle inspection are not good.
You do not want to spend the next few years with a car that breaks down on the way to work.

The way to ensure that you get the best deal possible on your next car purchase

2009-12-26T13:49:00.000-08:00

The way to ensure that you get the best deal possible on your next car purchase is research.
The internet provides access to a wealth of information that puts you in the driver’s seat when
negotiating with a car salesman. Here are some tips that you can use to save yourself some
money.
The most important thing is to concentrate on the vehicle that you want. Don’t get caught up in
the deals being offered – you’ll end up choosing the car they want to sell you, not the car you
want to own.

Once you know what car you want, research how much that car is selling for. There are
websites that will tell you the dealer’s cost for that automobile. This allows you to bargain from
the dealer’s invoice price, and not the sticker price.
Check with the other dealerships that offer that brand, and make them aware that you have
looked around. Let the different dealerships compete to offer you the best deal.
When dealing with car salesman it is important to remember two things. The first is that they
are probably as honest as the next guy. Their work is at least partially based on their
reputations, so they won’t go out of their way to screw you over. However, they are paid on
commission, so their goals are not the same as yours.
The current model year seems to come earlier every year, By waiting for the first new cars to
arrive, you can get yourself a great deal on a new car from the previous model year, which the
dealer will need to sell in order to make room for the incoming selections.
All the deals being offered on new cars lately has helped drive down the price of used cars.
Consider a two year old car may be 30% less than it was brand new, and will probably still be
under warranty.
Leasing provides lower monthly payments than buying with an auto loan.
But it's not for everybody. If you don't have money for a down payment or if you trade your car
every two or three years, you may be a good candidate for a lease.
Be careful after you’ve agreed to a deal with a salesperson. You will then be sent to the
financial manager. They are not there just for the paperwork after the sale has been made. He
or she wants to sell you high-profit financial and mechanical add-ons. These are seldom worth
the money
Finally, spend some effort shopping for the money before you shop for the car. Getting the right
deal on a car loan is just as important as getting the right deal on the car. If you plan to buy with
a loan, check your credit union or local bank quotations to find the lowest rate. Getting a preapproved
loan will give you added confidence in negotiating a good price.

Buy A Car: The Art Of Negotiation

2009-12-26T13:47:00.000-08:00

When you head to the dealership, start out by being sure you are prepared. Have your research
printed out and available for reference. Be sure you are dressed appropriately and how you are
dressed does not belie what you are going to be telling the salesperson. If you are going with
your spouse, be sure you’ve decided in advance what you are willing to pay.
When you meet with the salesperson, do not give too much information. If the salesperson asks
what you are going to be doing with your old car, or if you will want financing, simply and politely
delay the discussion by saying you haven’t decided yet.
Stay focused on the car you want and do not tell the salesperson the maximum you are willing
to pay. You might say the low end of what you are willing to pay, and if the salesperson asks
what your max is, simply repeat the amount you’ve already stated.

Also, avoid getting overly excited about a car. Don’t show that you have to have this particular
car, or that you’ve wanted one your whole life. Treat buying the car the same as if you were
choosing an insurance provider: calmly looking at the pros and cons and negotiating each
individual fee.
While negotiating, do not sign anything or give any personal information, besides your name.
You do not need to sign anything until you are actually buying the car, and you do not need to
give your social security number unless and until you are getting financing.
Be certain you are getting a deal you are comfortable with, and always be willing to walk away.
There are a lot of dealerships out there, and no dealership is the only place in the world that has
a car that will work for you.

How To Buy Or Sell A Used Car

2009-12-26T13:46:00.002-08:00

You may already have a car that you would like to trade-in in order to lower the price of the car.
A car trade-in can confuse negotiations, however, as it adds another element to what may
already be very confusing car negotiations. You might also be able to get a better price if you
sell the car in a separate deal to a private purchaser or to the dealership you bought the car
from.
A good way to make sure you will get full value from your trade in or sale is to present a very
clean car to the potential purchaser.

If you are buying a used car, it is important to do a complete visual inspection to ensure that you
are not looking at and wasting your time on a car that is a complete lemon. Just kicking the tires
is not enough.
Look for signs of odometer tampering, or for signs the car has been in an accident and had
bodywork done.
Check for rust under the wheel well, and anywhere else on the car. Make sure the tires are still
in good condition, and will last until you can afford to replace them, at least. Sit in the car, and
check for wear and tear on the upholstery, as well as for signs that someone smoked in the car.

When Should You Buy A Car?

2009-12-26T13:46:00.001-08:00

You should buy a car before you desperately need one. This gives you time to research
different makes and models, as well as allowing you to wait for incentive periods at the
dealership. The internet may be an excellent resource for research.
If you are buying a new car, or a car from a dealership, it can be good to go car shopping
around when the new models are coming into the dealership. The next year’s models often
come into the dealership any time between August and November, and dealers will be trying to
clear this year’s models.

On a regular basis, it can be best to head to the dealership on a day when you have a lot of
time. The negotiations can take a lot of time, and you don’t want to feel rushed. A day in the
middle of the week will be quieter at the dealership, and a salesperson may feel more pressure
to get your sale, because they have fewer customers available.
You may also want to head out to the dealership towards the end of the month. Dealers keep
track of their monthly sales, and often have monthly goals and targets. A salesperson may be
willing to make less of a profit on a car in order to meet a certain target of sales.
You do not necessarily have to buy a car during a sale in order to get the sale price. If you go
after the sale, you can still ask for the sale price.

How To Choose And Buy A Car

2009-12-26T13:44:00.000-08:00

When you set out to buy a car, the first thing you want to do is research. Determine what kind of
car you want, starting from whether you want a car, a minivan, or an SUV. Do you want a hybrid
or electric car? A hybrid car has an electric motor as well as a gas motor, which definitely makes
them more fuel efficient than a regular gas car. An electric car runs off a fuel cell- there are
many new buses that run off fuel cells.

In choosing a car, you want to think about reliability, prestige, cargo space, and perhaps color. It
really depends on what is important to you and what you need.
When you go to the dealership keep in mind the kind of car you want. A dealer might try to steer
you towards a more expensive version of the car, or even a different car altogether if you are
not specific about what you want. Dealers do not always have your best interests in mind, but
they do want you to be happy, so if you stay firm, you will get what you want.
You may want to consider whether you want to lease or buy a car, a decision which really
depends on how often you buy a new car. A used car may also be the best choice for you,
especially considering how quickly cars depreciate. A car that has been leased for 6 months can
be worth considerably less than the same model year car that has been sitting on the lot. A two
year old car can be much less expensive, while still being under warranty, as well as having
many of the kinks worked out and any recalls having been done.

8 Best Insurance Shopping Tips

2009-12-26T13:38:00.000-08:00

8 Best Insurance Shopping Tips . There are countless others types of insurance you can buy. Here are some
more general tips to help you get the best deal:
1. Make sure you actually need it. This seems like common sense, but it's
easy to buy more than you need. This is especially true if a salesperson
working on commissions misleads you. Before you buy, make sure you're
aware of all of the different options.

8 Best Insurance Shopping Tips
2. Update your insurance policies as your situation changes. Kids might
move-out, you may gain more assets or income, and new opportunities to
get insurance from work or organizations may arise.

8 Best Insurance Shopping Tips
3. Do your due diligence when researching your insurance company.
Make sure they have a good track-record of customer service and
financial stability. A short-term savings may cost you in the long-run.

8 Best Insurance Shopping Tips
4. Read contracts and understand your policy. Then, make sure you're
following all of the rules. You don't want to pay only to find-out that the
insurance company has built-in loopholes to deny you coverage.

8 Best Insurance Shopping Tips
5. Think and plan ahead of time. You qualify for better deals when you're
young and healthy. During this time, you can then plan financially for the
future.

8 Best Insurance Shopping Tips
6. Look for ways you can gain tax benefits or other discounts. Getting a
tax deduction from a certain approach may make it the most affordable.

8 Best Insurance Shopping Tips
7. Be aware of the resource of your State's Insurance Department. If
you're having a problem with a certain insurer, this agency may be able to
help you.

8 Best Insurance Shopping Tips
8. Focus on prevention. Quit unhealthy habits, maintain a good driving
record, and other preventive actions can help you save dramatically.
The bottom-line is that before you buy insurance do your due diligence and
make an honest assessment of your situation first. Then, once you know what
you're looking for, begin searching for the best deal. Often the internet is a great
place to search for the best policies

Auto Insurance in Louisiana and Wisconsin

2009-12-26T13:37:00.000-08:00

Requirements for auto insurance will increase in Wisconsin, beginning Jan. 1, 2010, according to the Wisconsin Department of Transportation. Louisiana is expected to implement the same increase.

Both states will be raising minimum liability coverage requirements, which could cause higher premiums. Residents in Louisiana already pay some of the highest premiums in the nation.

Liability minimums will be increased to $15,000 for property damage, $50,000 for injury or death of one person, and $100,000 for injury or death of more than one person.

Both drivers and owners of vehicles will be required to show proof of insurance if asked by a police officer—whether they are in a car accident or at a traffic light. If a driver cannot show proof of insurance, he or she can be fined $10. If the driver has no insurance, however, the fine can be up to $500.

Celebrity Auto Insurance

2009-12-24T15:51:00.000-08:00

Celebrity Auto Insurance -The aim of the game is this. Round up as many celebrity Auto insurers as possible that will be interested in Express' camera-flashingly cheap immediate cover, red carpet-astic introductory 65% no claims discount, award ceremony nominated breakdown cover and acceptance speech proud association with 22 of the top insurers out there, and invite them all to flirt with the supposed celebrity car insurance competition - to keep the audience mildly amused - and then ask those that are still keen to walk off with the celebrity car insurance prize, to make a choice. To vote off the celebrity car insurer which in their star-struck eyes doesn't quite offer them the real deal. To sort the wheat from the chaff. The Two Ronnie's from the Chuckle Brothers so to speak.

Celebrity Auto Insurance There's nothing the rest of us love more than a celebrity. And especially ones that fall flat on their Armani-clad derrieres! (Boo! Hiss!-is it Panto season already??)... so those of us would-be A-listers here at Express insurance are gee'd up to hear that famous for being famous light entertainment presentation pack - Geordie and Geordier - are to front 'I'm a celebrity - get me some celebrity car insurance!" Remember, you heard it here first.

Celebrity Auto Insurance Only this isn't a reality show. Its reality itself. (Shock! Horror! And up to 65% No Claims Discount!) Backed up by over 180 staff in our UK call centre, our phone lines are as hot as the Priory's, and offer you far more hope for the future. With over 31 years experience in the biz, we aim to expose the celebrity car insurance cads and bag you the 3 lowest quotes on the planet. Does this sound like a ratings winner to you? If so, be sure to tune into Express Insurance right now then!

Why celebs can’t get auto insurance

2009-12-24T15:49:00.000-08:00

Why celebs can’t get auto insurance - I got a letter from my insurance brokers the other day. They're threatening to revoke my scooter policy unless I write to them immediately confirming that I'm not a "television personality". What kind of a random request is that? They might just as well have written "Please confirm that you are not and have never been a member of the Moody Blues" or "Kindly send photographic evidence that you are not a

chief in the Sioux Indian tribe by return post".
Why celebs can’t get auto insurance
I called up the brokers demanding answers. "Someone saw someone with your name on the box", said the woman on the other end of the line. "Was it you?" It didn't seem like the most professional approach to checking out policy holders, but I was obliged to answer. "I don't know, it could have been I suppose," I said. "So you are a television personality then?" she said, as if she thought she was Colombo. "Well, I've appeared on telly once or twice," I said, recalling the odd occasion on
No one besides my mother is likely to have seen me more than twice on TV

which I've shambolically fleeted across the screen on the more obscure digital channels. "Well, how many times exactly?" she asked.
Why celebs can’t get auto insurance
How to answer? No one besides my own mother is likely to have seen me more than twice on TV. But maybe to this insurance company that's enough to earn TV personality status? I told her I'd get back to them in writing. She probably took this as evidence of guilt - the filthy guilt of a TV personality masquerading as an ordinary person. Why are they worried anyway? Do they think I might accidentally run over the Blue Peter dog? Or crash while giving Simon Cowell a backie to Tescos? Maybe celebrities just can't get motor insurance. That's why they go everywhere by chauffeured helicopter

Selecting the best auto insurance company – best rates and best customer service

2009-12-24T15:37:00.000-08:00

Typically, new auto insurance buyers tend to choose the lowest cost provider, assuming that most providers are essentially the same. As they become more experienced, and after having made a claim or two, they become more wise to other factors that determine a good car insurance company. Let's be clear, all insurance companies are not alike.....

Selecting the best auto insurance company – best rates and best customer service
People use different criteria for choosing an auto insurer. Some base their decision on the opinions of friends, some on marketing and advertising promotions, and others simply on the cost of premiums.
Eventually, most automotive insurance buyers place the most importance on how companies treat them after filing a claim. Low premiums become much less important if a company won't pay when they should, or immediately raises rates after an accident.
What's the problem?
Many thousands of auto insurance customers are happy with their insurers. A significant number of people have been with the same insurance company for 15 years or more. However, other customers don't find their companies very satisfactory. The most frequent complaints that customers have with car insurance providers are:

* Refused claims
* Slow settlement process
* Unsatisfactory payout on claims
* Feel forced to use insurer's repair shop
* Poor repair quality
* High premiums
* Company raised rates after accident
* Lack of personal attention or compassion
* Billing, policy, and other non-claim issues
Unfortunately, most of these problems don't surface until after a claim has been filed, when it's too late to find another company. That is why it is important to do your homework before selecting an insurance provider.

If you have been involved in an accident and are being sued or are not satisfied with your insurance company, you may need to get help from an accident attorney. See our article: How to Find an Auto Accident Lawyer.
How to choose the best car insurance company
There are a number of ways you can go about choosing a good insurer.

Research consumer opinions - Consumer Reports magazine frequently surveys readers on auto insurance companies. The last large survey results were reported in the March 2006 issue. The survey measures overall customer satisfaction and claim problems. Of the 27 companies reported, satisfaction score differences between the best company and the worst company was only 16 points out of 100. This is hardly enough of a difference to make for a solid decision choice based on this information alone. Find the report on Consumer Reports' web site (a subscription fee is required) or look for the magazine at your local library.

Browse online forums - Consumer forums and automotive discussion boards often have sections in which car insurance is discussed. These sources change frequently and the quality of the information can vary widely, so don't use this as your only research source. Remember that people who have experienced problems are more likely to post comments than those who don't have problems.
Ask repair shop managers - Nobody knows about car insurance companies any better than body shops that have to deal with them. Ask the owners or administrative managers of accident repair shops about which insurers are the best to deal with – which are the least trouble when settling claims and paying for proper repairs. We've seen body shops in which auto insurance company ratings were actually posted on the wall in the waiting room. Don't forget your new-car dealer's body shop, if he has one.

Check state government data - Most states have departments that regulate insurance companies and and handle complaints against them. This may be the Attorney General's office of consumer affairs or it may be the office of the Insurance Commissioner. You can often find which auto insurance companies have the best and worse complaint rates on your state's website. Actually, it may be helpful to look at other state's web sites as well. Just be aware that most state web sites are not well designed or are out of date, and it may be somewhat difficult to find the information you need

Use broker web sites - Insurance broker web sites (see recommended sites below) are one of the best and easiest ways to compare auto insurance companies online. Brokers work with multiple insurance companies so that they can offer customers a variety of choices to meet their needs. It's easier than shopping individual companies on your own. Their services are free. Some of these broker sites contain comparative information and ratings.

Get rate quotes from as many companies as you can (quotes are free) so that you have plenty of data to compare. The more information you provide when asking for a quote, the more accurate your quote price will be. Many people overpay for their insurance simply because they do not shop around enough.

The absolute best, fastest, and easiest way to find the cheapest auto insurance rates is to get online rate quotes from muliple insurance companies and compare them. There is no other way that will let you get actual car insurance rates as easily and quickly — no other way.

After you choose a company
Many of the differences between car insurance companies are hidden in the details of their policies. Before you sign, make sure you read and understand these details. If you have questions or concerns, get it resolved before you sign. Later may be too late.

After you have selected a company, it's a good idea to reexamine your choice every year or two because company policies and rates change frequently. The best auto insurance company this year might not be the best next year.

If you change from one car insurance company to another, and have already pre-paid some of your premiums, your old insurance company will refund your unused premiums

Summary
Finding the best auto insurance company requires finding those with the best combination of rates, discounts, and customer service. Finding the best rates is quick and easy if you get online rate quotes and compare them.

WOW..Daily Car Insurance

2009-12-24T15:32:00.000-08:00

Imagine learning how to get an daily car insurance on line quote. Apart from theft and natural events this can be one of the best options for basic and reasonable policies. You may want to avoid an insurance company if too many complaints have been filed against them. That’s right cheap car insurance company can be found much easier for one gender than the other. Men largely live with a prejudice that women can’t drive. There are several particular companies who cater for females.

Maintaining the clean record given you from the beginning will amount to a decrease in teen car insurance over the years but doing the reverse can cause a great increase in rates. The reason for this is because teenagers are more apt to accidents, then if they were over the age of 25. Insurance companies will insure an older vehicle for a more reasonable rate because of these facts and because an older car is less likely to be the focus of theft. Also, check out how to get cheap auto insurance for senior. So if you going to have an insurance that would result in the end that you’ll be having a good saving done. It is the quickest and easiest way to find affordable auto insurance for your children.

Insurance for a new driver or young drivers is always a little expensive, since chances of claims from these drivers are statistically quite high. Get several different quotes from different companies. License is a legal mandate and underage are not allowed to use cars until and unless they acquire it. But, if you look around with patience, you will be able to get insurance for a day under 21s without spending a fortune and without much trouble. It is not uncommon for teenagers also to avail these special forms of insurance policies. Insurance for a day under 21s is always expensive. If you explore the web methodically, you can find numerous sites that offer online cheap car insurance quotes for new and used cars as well. The goal of most parents is to make their young child to be driver safe. People, who have expensive cars, should be mentally prepared that their insurance coverage will not be very cheap.

Now, there are a few good ways to get short term car insurance under 21, and you just have to follow a couple simple and easy guidelines. Getting multiple cars covered and being loyal to an insurance company are great ways to lower the cost. You will also need to consider carefully whether you can really afford to pay the amount of deductibles stated on your policy in the event of an accident claim. For anyone under 21 insurance is often very expensive and you often have to work hard to age 17 – 25 temporary insurance. Shop around with a few ny car insurance companies. You should re-quote your insurance every six months to make sure that you are always getting the best rate.

So can you find a company that will offer you a car cheap insurance online quote if you have a couple speeding tickets or accidents on your record? Internet is of course the best way of getting the cheapest car insurance quote, and also it takes less time as in comparison to other methods of finding the above quotes. Check online with one of the websites that offers a way to compare rates from several insurance companies at one time before you purchase a policy. First, search for insurance companies that specially deal in cheap car insurance for young peoples. If you get online and do a little research, it won’t take you long to realize that you can find good deals, especially if you have multiple vehicles and drivers on the same policy. Personal injury protection to cover medical expenses for the insured driver themselves, whereas in ohio, liability coverage is only required for drivers to have. Keeping a clean driving record is the best way to find teenage auto insurance ratess. This is because these companies see most teen drivers as being more reckless and accident-prone than adults. If you take a look at the websites that specialise in offering women cheaper car insurance, you will notice the use of nice pictures, curvy images, persuasive scripts and the use of light colours and pinks. Car insurance value should be a major factor in the quest to find daily car insurance.

Ways to achieve discount car insurance

2009-12-24T15:29:00.000-08:00

Insurance companies will use your postcode as a means of assessing the risk of theft or damage and where your car is stored will play a contributing part. Keeping your car in a locked garage overnight can result in lower insurance premiums compared to if you park on the street as well as providing protection against the elements.

It is always helpful if you can cut the cost of essential bills and car owners across the nation will be pleased to hear there are several ways in which you can lower the cost of your car insurance premiums.

One of the simplest ways to reduce insurance costs is to keep your car as safe as possible. The less likely your car is to be damaged or stolen, the less the insurance premium will be.

Insurance companies will use your postcode as a means of assessing the risk of theft or damage and where your car is stored will play a contributing part. Keeping your car in a locked garage overnight can result in lower insurance premiums compared to if you park on the street as well as providing protection against the elements.

As more than 50% of vehicle thefts occur during the night it makes sense to keep your car locked safely away if possible. If you don't have access to a garage or private car park then parking on a driveway is generally considered a lower risk than street parking.

When it comes to the car itself there are various ways to drive down the cost of insurance. Fitting an approved alarm and immobiliser and/or tracking device can help to lower costs as will most improvements to overall security, such as remembering to keep your car locked whenever you leave it parked.

Remember that the engine size of a car can affect insurance costs. A practical and economical car could not only save you money on fuel but may well minimise insurance costs too as cars with smaller engines and good safety records are generally in lower insurance groups.

Another tip for securing discount car insurance is to carefully assess the yearly mileage you are likely to clock up. Many insurers average the yearly mileage at 12,000 miles but if you don't drive this much then you can inform your insurer who may offer a reduction in the cost of your premium.

Take care when you're out and about and drive safely as one of the most effective ways to achieve discount car insurance is by building up a no claims discount.

Generally, the longer the period without a claim the cheaper the premium will become. Keeping your car safe and taking an interest in security can help reduce a premium further and the less your car is on the road the less likely you are to be involved in an accident so maintaining the lowest annual mileage possible is advantageous in several ways.

This article has been written for information and interest purposes only. The information contained within this article is the opinion of the author only, and should not be construed as advice or used to make financial decisions. Expert financial advice should always be sought and any links contained within this article are included for information purposes only.

Does everyone have to have auto insurance?

2009-12-24T15:24:00.000-08:00

Answer: Yes, automobile liability insurance, or proof of financial responsibility is required in all fifty states. Although each state sets their own limits on how much insurance is needed, these are only minimum limits and in most cases additional coverage is needed if you don't want to have to pay additional expenses out of pocket. If you have a lease or loan on your car you are usually required by the lender to have comprehensive and collision coverage in addition to the state required liability coverage.

Do I Have Insurance Coverage for a Rental Car after a Car Accident?
Having a car accident can be devastating. Not having an extra car available to drive while your car is being fixed can just add to that feeling. A motor club will not guarantee that you have a rental car so you will want to make sure rental car coverage is provided in your car insurance policy

How does my driving record affect my insurance premium?

2009-12-24T15:22:00.000-08:00

Answer: The premium you pay is a direct reflection of your driving record for the past three to five years depending on the insurance company. Insurance companies order driving records from the DMV of your residence state and from other states where you've been licensed. Statistics show that drivers with tickets and accidents are more likely to have accidents than drivers with clean records.

Why is it harder to get insurance if drivers in my household have bad driving records?
Answer: Many companies will not insure you if you live with a relative who has a poor driving record. If your teenager has a poor driving record, you may have trouble getting a preferred rate because he or she is defined as an "insured" under your policy.

Some companies will exclude this person by name from the insurance policy. Many companies will not insure anyone in the family unless every driver in the household meets their requirements.

Why does my insurance cost more than my agent said it would?

2009-12-24T15:20:00.000-08:00

Why does my insurance cost more than my agent said it would? Answer: This is called a misquote. Determining your premium depends on many factors, including where you live, the kind of car your drive, how much you drive, how much coverage you want, your driving record, and your age.

Why does my insurance cost more than my agent said it would? If an error is made in reporting any of these facts, your rates won't be quoted correctly. Misquotes can also happen if your agent makes a mistake in applying the company's rating system. Auto insurance misquotes can happen when your application information differs from your actual driving record.

Why does my insurance cost more than my agent said it would? Companies ask states' motor-vehicle divisions to verify the records of drivers they insure. If you told your insurance agent you have a perfect driving record, and you don't, your insurance company will charge higher premiums than your agent quotes.

Why does my insurance cost more than my agent said it would? To avoid misquotes, provide accurate information about your driving record and any other facts affecting the cost of insurance, such as the make of your car or how far you commute to work. Verify all information before signing the application.

Auto Insurance Frequently Asked Questions

2009-12-24T15:16:00.000-08:00

What are Car Financial Responsibility Laws?
This is the state law that says you have to prove that you are financially able to pay for anything you may be responsible for while driving your car.
What Happens if I Choose Not to Purchase Car Insurance and Still Drive My Car?
That depends on the state you live in. Most states have stringent laws about having car insurance and if you don't choose to follow these laws by not purchasing car insurance, there can be tough penalties and fines.
Here are some common automobile insurance frequently asked questions. Just click on the question you are interested in to find the answer.

Is anyone who drives my car covered?
What are the best liability policy limits?
What is the difference between comprehensive and collision?
What are the minimum requirements?
Why does my insurance cost more than my agent said it would?
How does my driving record affect my insurance premium?
Why is it harder to get insurance with bad driving records?
My car was totaled and my policy did not pay for all of my car, why?
What happens if my loan was more than my company says my car is worth?
My teenager just got his license, does he need to be insured?
What do insurance companies consider when deciding cancellations?
Does everyone have to have auto insurance?
Do I Have Insurance Coverage for a Rental Car after a Car Accident?
Having a car accident can be devastating. Not having an extra car available to drive while your car is being fixed can just add to that feeling. A motor club will not guarantee that you have a rental car so you will want to make sure rental car coverage is provided in your car insurance policy.
Do I Have Insurance Coverage for a Rental Car after a Car Accident?
Having a car accident can be devastating. Not having an extra car available to drive while your car is being fixed can just add to that feeling. A motor club will not guarantee that you have a rental car so you will want to make sure rental car coverage is provided in your car insurance policy.

AUTO INSURANCE QUOTES STEP BY STEP

2009-12-18T14:40:00.000-08:00

Auto Insurance Quotes step by step in easy and simple steps

Auto Insurance Quotes step 1 READ THIS ARTICLE : When seeking car insurance quotes these days there is no reason to get the phone book out and search through the yellow pages to find cheap insurance deals. There are so many companies to choose from and you can search for insurance policies online. It quick easy and very simple, takes less than five minutes of your time and all in the pursuit to save you money - well worth your time.

Auto Insurance Quotes step 2 There are many advantages of utilizing online, free auto insuran

ce quotes. First of all you can compare and contrast the prices of different vendors, and be able to determine where the best coverage for you is and who to buy from. Provide some basic information and voila you have 5 or 6 quotes in hand. Delving in deeper you can follow up with any particular insurance provider to ask questions, understand how customer service oriented the company and agent is.

Auto Insurance Quotes step 3 To me the most important thing in choosing an auto insurance provider really hinges on one main point and that is the customer service aspect. M

ost insurance companies are relatively the same in price, one is a little less than the other we all know that that, but who has 24hr road assistance, representatives who make it simple to process a claim etc. Those are the things that mean the most when something with your car happens.

Auto Insurance Quotes step 4 Take the time to choose wisely and lower your costs when you are out there picking a new carrier. Once you see the pricing plan a phone call to discuss the specifics and get to know the people you might be dealing with in the future. Happy hunting - If you are so inclined you can find some great, free quotes - Car Insurance Quotes

There are more than 1500 cases of road accidents which are reported on a daily basis in the United States itself. Individuals are getting more anxious than ever before on how to safeguard their lives and their expensive cars against such incidents.

Auto insurance is a definite solution to this dilemma. Auto insurance provides us security against the losses, one can incur with an automobile accident. Before enrolling for a policy, it's imperative to have detailed knowledge about the auto insurance rates or quotes.

Auto insurance quotes differ from company to company, which is why it's of paramount importance to carefully review insurance quotes of different providers before selecting the one, which best suits your needs.

As such, gathering auto insurance quotes could be a ruthless task in itself, especially if you have very little knowledge about insurance, or if you have allowed your policy to lapse for a substantial period of time.

There are certain factors which play a pivotal role in determining your auto insurance quotes. Your driving record, gender, marital status, age and the type of vehicle are amongst the contributing factors which are considered by the insurance company while determining your insurance quote.

If you have been convicted for rash driving, or have several speeding tickets issued against you, then some companies may showcase their hesitation in insuring you. Even if you are considered for a policy, you will have to shave off higher premium amount.

Installing high-tech security features in your vehicle is a good idea to consider as insurance companies will get a sense that you are a responsible driver. Also the extent of damage would also be less if good security functions are installed within the vehicle, thus increasing your chances of getting reasonable or satisfactory auto insurance quotes.

Your residential area is another factor taken into consideration while evaluating the quotes. Individuals living in high metropolitan area will have to pay more premium, in comparison to those who live in rural areas as incidents of theft and accidents are high in metropolitan areas.

Another determining factor with insurance quotes is the level of coverage you consider for yourself. If you go for the best coverage with low deductible, then you will have to pay high premium amount. However, you can still end up having the best coverage with low premium if you fix or consider the above mentioned factors before applying for an insurance policy.

AUTO INSURANCE 2009 Company of the Year

2009-11-20T13:03:00.000-08:00

"We’re grateful to the Indiana Big ‘I’ for choosing State Auto to receive this honor,” said State Auto Chairman and CEO Bob Restrepo. "Our association with Indiana’s independent agents dates to our founding in 1921, and to this day, Indiana remains one of our most significant states of operation. Working with our agents, we’ve produced a track record of financial security and stability, along with products and service that benefit our tens of thousands of Indiana policyholders.”

The State Auto Insurance Group has been named 2009 Company of the Year by the Independent Insurance Agents of Indiana (IIAI). According to the IIAI, this award recognizes the company that most demonstrates a strong commitment to the independent insurance agency system in Indiana.

State Auto received high scores for its commitment to growth in Indiana; the uniqueness of products, value added services and programs offered to agencies; a strong, long-term marketing plan for Indiana; and the quality of its Indiana staff.
The State Auto Group, which includes State Automobile Mutual Insurance Company, also scored high for its stability in the marketplace, and for being one of 13 property and casualty companies to have maintained an A+ rating from A.M. Best each year since 1954. State Auto’s strong commitment to and support of the independent insurance agency system, along with its support of IIAI, also delivered high scores.

Independent Insurance Agents of Indiana (IIAI)

The Independent Insurance Agents of Indiana is a trade association representing over 800 independent insurance agencies in the State of Indiana. The association was formed so insurance agents and insurance consumers have a unified voice in government and can share common goals and information. Among the numerous services IIAI provides to its membership are over 100 continuing education seminars across the state annually, offering over 30 property and casualty programs, and over 20 Life/Accident/Health self study programs. IIAI’s education opportunities provide increased knowledge and insurance license continuing education credits to independent insurance agents in Indiana.

State Auto Insurance Group

State Automobile Mutual Insurance Company, headquartered in Columbus, Ohio, is a super regional property and casualty insurance holding company. The company is primarily engaged in writing personal and business insurance products exclusively through independent insurance agencies in 33 states and is proud to be a Trusted Choice® company partner. State Auto Mutual is part of the State Auto Group. The State Auto Group is rated A+ (Superior) by the A.M. Best Company and consists of State Automobile Mutual, State Auto Property & Casualty, State Auto National, State Auto Ohio, State Auto Wisconsin, State Auto Florida, Milbank, Farmers Casualty, Meridian Security, Meridian Citizens Mutual, Beacon National, Beacon Lloyds, Patrons Mutual and Litchfield Mutual Fire.

State Auto Mutual also writes specialty insurance and workers’ compensation products through its Rockhill insurance subsidiaries. The Rockhill insurance subsidiaries, rated A- (Excellent) by the A.M. Best Company, write business on a non-admitted basis in 49 states and the District of Columbia, and are licensed on an admitted basis in 42 states and the District of Columbia. Additional information on State Auto Mutual can be found online at http://www.StateAuto.com/.

SAVING ON AUTO INSURANCE

2009-09-02T22:28:00.000-07:00

If you want to save on car insurance you can do yourself a big favor by talking to as many auto insurance companies as possible. The more options you have for yourself, the better chance you have of one of those options giving you a good price. Year long rates can vary by as much as $1,000. If you haven't yet purchased a car and cant decide what car to get, see what premiums you'll have for each. Generally, the more powerful and expensive the car is, the higher your car insurance costs will be. Furthermore, the more safety features a car has, the less the premium will be. One of the most popular ways to save money on car insurance is by increasing your deductible. Your deductible is how much money you pay out of your own pocket to fix your car before the insurer pays for the rest of the damages. You just don't want to open yourself to too much riskSection 3171 of the Act allows injured policy holders to access the full benefit of their own insurance plan, prohibiting insurance companies from deducting the amount of insurance carried by the negligent driver in the accident. In addition, health insurance companies cannot deny coverage for medical care if medical expense coverage is included in one’s auto insurance. The result being that injured individuals may have access to a greater amount of financial coverage for medical costs due to injuries.“These new laws are extremely important for people injured in car accidents as they can have a big impact on the settlement an injured person may be eligible to receive,” said Steve Eisenberg, Wisconsin personal injury attorney and one of the founders of Eisenberg Law Offices, S.C., of Madison, Wisconsin. “You need a lawyer that understands the new laws and how to maximize your recovery.”The budget also mandates that insurance companies will no longer be able to deny coverage for hit-and-run accidents because physical contact did not occur. This gives injured drivers access to uninsured motorist coverage if they can provide independent, third party evidence of the accident.New minimum coverage amounts have been set for auto liability insurance, requiring that policies must cover “$50,000 because of bodily injury to or death of one person in any one accident and $100,000 because of bodily injury or death of two or more persons in any one accident, and $15,000 because of injury to or destruction of property of others in any one accident.”Other changes include the requirement of all liability policies to include underinsured motorist coverage if at least $100,000 per person and $300,000 per accident. Along with the new insurance mandate is the repeal of a 14-year-old law that banned insured drivers from stacking auto insurance policy limits for uninsured and underinsured motorist coverage.
Eisenberg Law Offices, S.C. provides superior representation in Wisconsin personal injury, criminal defense, family and divorce, drunk driving, and civil litigation cases. They have over 25 years of experience representing injured victims of auto, truck and other vehicle collisions and have won millions for their clients in Wisconsin personal injury cases.

AUTO INSURANCE CHECKLIST : a guide for saving money on auto insurance

2009-01-25T23:09:00.000-08:00

Shopping for auto insurance? The price you pay for your auto insurance can vary by hundreds of dollars, depending on your driving record, the type of car you have and the insurance company you buy your policy from. Here is a list of things you can do to save money.

Shop Around

Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department (http://www.iii.org/media/companies/state_org/insur_departments/) may also provide a means to compare prices.

Get quotes from different types of insurance companies. Some sell through their own agents. Some sell through independent agents who offer policies from several insurance companies. Other companies sell directly to consumers over the phone or via the Internet. The price may vary depending on the sales method.

But don't shop by price alone. You want a company that answers your questions and handles claims fairly and efficiently. Sources for finding the right kind of company include: word of mouth, i.e. friends, relatives, co-workers; your state insurance department, where you can find consumer complaint ratios by company; and consumer magazines. You can also check the financial health of insurance companies through independent rating companies.

Before you buy a car, compare insurance costs

Your premium is based in part on the car’s sticker price, the cost to repair it, its overall safety record and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft, such as air bags, anti-lock brakes, daytime running lights and anti-theft devices.

For more information on car safety, check the Insurance Institute for Highway Safety.

Cars that are favorite targets for thieves cost more to insure. For more information on car theft, check the National Insurance Crime Bureau (NICB).

Ask for a higher deductable

Your deductible is the amount of money you pay out-of-pocket before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage premium by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. However, keep in mind that you’ll need to have the amount of the deductible on hand should something happen to your car.

Reduce coverage in older cars

Consider dropping collision and/or comprehensive coverage on older cars. It may not be cost-effective to continue insuring cars worth less than 10 times the amount you would pay for coverage. Any claim payment you receive would not substantially exceed your premiums minus the deductible. Claims occur on average only once every 11 or 12 years. Auto dealers and banks can tell you the worth of a car, or you can look it up online at Kelley Blue Book.

Buy your homeowners and auto coverage from the same insurer

Many insurers will give you a discount if you buy two or more types of insurance from them. Also, you may get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce premiums for long-time customers. But shop around carefully; you may still save more money buying from a different insurance company even with the multi-policy discount.

Take advantage of low-mileage discounts

Some companies offer discounts to motorists who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who carpool to work.
Ask about group insurance

You may be eligible to get insurance through a group plan from your employer, or through professional, business and alumni groups or other associations. Group plans often provide substantial discounts. Ask your employer, or any groups or clubs of which you are a member, about this option.

Maintain good credit

Your credit rating may affect what you pay for insurance, so monitor it carefully. You can get this information directly from the three major credit-rating agencies (Equifax, Experian, Trans Union). There are also various Web sites that allow you to check your credit rating and provide tips on how to improve your score.

Seek out safe driver discounts

Most insurance companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also qualify for a cut if you have recently taken a defensive driving course, if you are over 50 and retired, or if there is a young driver on the policy who is a good student, has taken a drivers education course or is away at a college, generally at least 100 miles away.

When you comparison shop, be sure to inquire about discounts for the following (availability will vary according to the state and company):

o No accidents in 3 years
o No moving violations in 3 years
o Drivers over 50 to 55 years of age
o Driver training course
o Defensive driving course
o Student drivers with good grades
o College students away from home
o $500 deductible
o $1,000 deductible
o Air bags
o Anti-lock brakes
o Daytime running lights
o Anti-theft device
o Low annual mileage
o Auto and homeowners coverage with the same company
o More than one car insured with the same company
o Long-time customer

But don’t forget that the key to savings is not the discounts but the final price. A company that offers few discounts may still have a lower overall price.

Auto Insurance History and Claim easily...

2008-12-25T10:33:00.000-08:00

Claim easily,Principles of insurance,claims and loss handling is the materialized utility of insurance,Insurance company claim departments
Finally, claims and loss handling is the materialized utility of insurance; it is the actual "product" paid for, though one hopes it will never need to be used. Claims may be filed by insureds directly with the insurer or through brokers or agents. The insurer may require that the claim be filed on its own proprietary forms, or may accept claims on a standard industry form such as those produced by ACORD

Insurance company claim departments employ a large number of claims adjusters supported by a staff of records management and data entry clerks. Incoming claims are classified based on severity and are assigned to adjusters whose settlement authority varies with their knowledge and experience. The adjuster undertakes a thorough investigation of each claim, usually in close cooperation with the insured, determines its reasonable monetary value, and authorizes payment. Adjusting liability insurance claims is particularly difficult because there is a third party involved (the plaintiff who is suing the insured) who is under no contractual obligation to cooperate with the insurer and in fact may regard the insurer as a deep pocket. The adjuster must obtain legal counsel for the insured (either inside "house" counsel or outside "panel" counsel), monitor litigation that may take years to complete, and appear in person or over the telephone with settlement authority at a mandatory settlement conference when requested by the judge.

In managing the claims handling function, insurers seek to balance the elements of customer satisfaction, administrative handling expenses, and claims overpayment leakages. As part of this balancing act, fraudulent insurance practices are a major business risk that must be managed and overcome. Disputes between insurers and insureds over the validity of claims or claims handling practices occasionally escalate into litigation; see insurance bad faith.

[edit] History of insurance

Main article: History of insurance

In some sense we can say that insurance appears simultaneously with the appearance of human society. We know of two types of economies in human societies: money economies (with markets, money, financial instruments and so on) and non-money or natural economies (without money, markets, financial instruments and so on). The second type is a more ancient form than the first. In such an economy and community, we can see insurance in the form of people helping each other. For example, if a house burns down, the members of the community help build a new one. Should the same thing happen to one's neighbour, the other neighbours must help. Otherwise, neighbours will not receive help in the future. This type of insurance has survived to the present day in some countries where modern money economy with its financial instruments is not widespread (for example countries in the territory of the former Soviet Union).

Turning to insurance in the modern sense (i.e., insurance in a modern money economy, in which insurance is part of the financial sphere), early methods of transferring or distributing risk were practised by Chinese and Babylonian traders as long ago as the 3rd and 2nd millennia BC, respectively. Chinese merchants travelling treacherous river rapids would redistribute their wares across many vessels to limit the loss due to any single vessel's capsizing. The Babylonians developed a system which was recorded in the famous Code of Hammurabi, c. 1750 BC, and practised by early Mediterranean sailing merchants. If a merchant received a loan to fund his shipment, he would pay the lender an additional sum in exchange for the lender's guarantee to cancel the loan should the shipment be stolen.

Achaemenian monarchs of Iran were the first to insure their people and made it official by registering the insuring process in governmental notary offices. The insurance tradition was performed each year in Norouz (beginning of the Iranian New Year); the heads of different ethnic groups as well as others willing to take part, presented gifts to the monarch. The most important gift was presented during a special ceremony. When a gift was worth more than 10,000 Derrik (Achaemenian gold coin) the issue was registered in a special office. This was advantageous to those who presented such special gifts. For others, the presents were fairly assessed by the confidants of the court. Then the assessment was registered in special offices.

The purpose of registering was that whenever the person who presented the gift registered by the court was in trouble, the monarch and the court would help him. Jahez, a historian and writer, writes in one of his books on ancient Iran: "[W]henever the owner of the present is in trouble or wants to construct a building, set up a feast, have his children married, etc. the one in charge of this in the court would check the registration. If the registered amount exceeded 10,000 Derrik, he or she would receive an amount of twice as much."[1]

A thousand years later, the inhabitants of Rhodes invented the concept of the 'general average'. Merchants whose goods were being shipped together would pay a proportionally divided premium which would be used to reimburse any merchant whose goods were jettisoned during storm or sinkage.

The Greeks and Romans introduced the origins of health and life insurance c. 600 AD when they organized guilds called "benevolent societies" which cared for the families and paid funeral expenses of members upon death. Guilds in the Middle Ages served a similar purpose. The Talmud deals with several aspects of insuring goods. Before insurance was established in the late 17th century, "friendly societies" existed in England, in which people donated amounts of money to a general sum that could be used for emergencies.

Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in Genoa in the 14th century, as were insurance pools backed by pledges of landed estates. These new insurance contracts allowed insurance to be separated from investment, a separation of roles that first proved useful in marine insurance. Insurance became far more sophisticated in post-Renaissance Europe, and specialized varieties developed.

Toward the end of the seventeenth century, London's growing importance as a centre for trade increased demand for marine insurance. In the late 1680s, Edward Lloyd opened a coffee house that became a popular haunt of ship owners, merchants, and ships’ captains, and thereby a reliable source of the latest shipping news. It became the meeting place for parties wishing to insure cargoes and ships, and those willing to underwrite such ventures. Today, Lloyd's of London remains the leading market (note that it is not an insurance company) for marine and other specialist types of insurance, but it works rather differently than the more familiar kinds of insurance.

Insurance as we know it today can be traced to the Great Fire of London, which in 1666 devoured 13,200 houses. In the aftermath of this disaster, Nicholas Barbon opened an office to insure buildings. In 1680, he established England's first fire insurance company, "The Fire Office," to insure brick and frame homes.

The first insurance company in the United States underwrote fire insurance and was formed in Charles Town (modern-day Charleston), South Carolina, in 1732. Benjamin Franklin helped to popularize and make standard the practice of insurance, particularly against fire in the form of perpetual insurance. In 1752, he founded the Philadelphia Contributionship for the Insurance of Houses from Loss by Fire. Franklin's company was the first to make contributions toward fire prevention. Not only did his company warn against certain fire hazards, it refused to insure certain buildings where the risk of fire was too great, such as all wooden houses. In the United States, regulation of the insurance industry is highly Balkanized, with primary responsibility assumed by individual state insurance departments. Whereas insurance markets have become centralized nationally and internationally, state insurance commissioners operate individually, though at times in concert through a national insurance commissioners' organization. In recent years, some have called for a dual state and federal regulatory system (commonly referred to as the Optional Federal Charter (OFC)) for insurance similar to that which oversees state banks and national banks.
Auto insurance

Main article: Vehicle insurance

A wrecked vehicle

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: (1) Property coverage pays for damage to or theft of your car. (2) Liability coverage pays for your legal responsibility to others for bodily injury or property damage. and (3) Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. [8]

Privacy Policy for www.auto-insurance-autoinsurance.blogspot.com

2008-12-19T22:28:00.000-08:00

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at hotnewsblogonsite@gmail.com.

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If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites.

Steps to Filing Your Auto Insurance Claim, getting paid !!

2008-12-18T22:04:00.000-08:00

Getting Paid on an Auto Insurance Claim Steps to Filing Your Auto Insurance Claim, part Your Auto Insurance Claim,Evaluate Your Auto Insurance Claim, Fill out Your Auto Insurance Claim,getting your car fixed on Your Auto Insurance Claim
1. Evaluate whether or not you should file a claim: Did you know that just when you call your insurance company with a question about possibly filing a claim it is often recorded on your insurance record? It is important to keep your insurance record clean and one way is deciding whether or not you should file a claim. It doesn’t matter if the accident is your fault or not, you should ask yourself first if you can pay for the damage. Simply put, if you can pay for it yourself without financial hardship, don’t file the claim.
2. Fill out your What to do After an Auto Accident Worksheet: This worksheet, which when you click on the title is provided for print-out, will help you keep track of the information you will need to file your auto insurance claim. It is important to get every detail of the accident documented and to try to find witnesses that would be willing to talk to your insurance company to back-up your story.

3. File the claim ASAP: You will want to file the claim as soon as possible with your insurance company. Even if it is not your fault, your insurance company will handle the claim process as your advocate.

4. Prepare for a possible call from the other insurance company: If there is a dispute between the two parties in the accident, you may get a call from the other driver’s insurance company asking for your version of what happened at the accident scene. If this happens make sure you document everything you say and the name of the customer service agent you talked too.

5. Finally, getting your car fixed: If you had body damage to your vehicle this is when you will finally get it fixed. After your claim is approved, you will likely get a call from your insurance company about sending an insurance adjuster out to assess the damage or asking you to send your car to a pre-approved shop to get it fixed.

Sooner or later it happens to nearly all of us. An auto accident. You do all the right things at the accident scene. Then you made a few phone calls to get the insurance company to get the claims process started. Now it's about time for the payoff. Who's going to repair your car and how much will the insurance company pay? Let's see if we can't negotiate a fair deal for ourselves.

In most cases you'll need to get an estimate of what it will cost to repair the damage to your car. Remember that your goal is to get your car repaired properly so you won't have problems later. The insurance company's goal is to pay you as little as possible. They may suggest that you to use their 'convenient drive-in claims adjuster'. Or perhaps they'll use a quote from a local repair shop that gets lots of business from them.

Don't go for it. In either case the person providing the estimate is loyal to the insurance company. They have no reason to try to satisfy you. Find a shop that has your confidence. The dealer that sells that make of car is probably the best if they have a repair shop. You may want to get estimates from a couple of different shops. That's your choice. Check your policy. It rarely requires you to go to their shop or to get more than one estimate.

What happens if your car isn't driveable? Then have it towed to the shop of your choice. It's cheapest to do that right at the time of the accident. It's good to have the shop's name and address already available in your car. By having the car to the shop of your choice you've forced the adjuster to play on your home field. He has to respond to their estimate. On the other hand, if the car's in your driveway he can offer to have it towed to his favorite low cost shop. Then he'll have all the advantage in negotiating the price of the repairs.

OK, you've agreed on a shop and the work is completed. So it's just a matter of picking up the car. Right? Wrong! This is your last real chance to get the job done to your satisfaction. The insurance company will have named you on the check. You will be required to sign the check or a repair order stating that the work is completed. You may also need to write your own check to the repair shop for the deductible.

Don't sign off until you've thoroughly inspected the car. And I do mean thoroughly. Look at the bodywork under bright lights. Sunlight is best. Look at the car from all different angles. Is the sheetmetal straight? How's the paint? Try all the doors, windows and anything else that moves in the repaired area. Make sure that nothing is binding or crooked and that everything is properly aligned. Take it for a test drive. It should run and sound like before the accident. No new rattles. Make sure you understand your guarantee. If something goes wrong later you'll be dealing with the repair shop, not the insurance company.

If you've been forced to use a shop chosen by the insurance company, be especially careful to inspect the car. In fact, you probably would be wise to 'drop in' once or twice during the repair to actually see what's happening. Ask to see all the old parts that they were going to replace. They could save some money by repairing a molding or other part instead of buying a replacement part. All shops are not dishonest, but some are.

Suppose that your agent calls and says that you car is a total loss. They want to cut you a check for the value of the car and you just give them the car and title. There are two potential problems. First, your car was worth more to you than anyone else. That's why you were still driving it. Second, how do you determine what the car's worth?

The adjuster will probably use the Kelly Blue Book. They might also include classified ads for similar cars to come up with an offer for your car. Expect them to offer you the 'wholesale' value. That's what the dealer would pay for the car before they add their profit margin to sell it to you. Naturally, you'll end up paying retail. Shouldn't your payoff be at retail?

How can you get a higher price? By shopping! Go to a number of dealers. Read the classified ads for comparable cars. Make a list and give it to the adjuster. If that fails, ask him to find a replacement car for the amount he's offering. He's the one that says it's out there. Let him prove it.

Now's the time that homework pays off. Was your car a low mileage vehicle? That's worth something. Did you keep maintenance records to show that the car was in above average condition? Do you have any pictures or other evidence that your car was a 'cream puff'?

Oh, and don't forget to add in the cost of tax and title. In some places it can be 6 or 8% of the price of the car. In almost all cases that will be hundreds of dollars.

Hopefully, you won't ever need to settle an auto accident claim. But, if you're ever in an accident, knowing how to deal with the insurance company is essential. They expect you to pay your premiums faithfully. It's up to you to make sure that they pay properly on your claim. Nothing that the average driver armed with a little knowledge can't do. And if it ever comes up, so can you!

Auto Insurance company of United states

2008-11-18T03:11:00.000-08:00

American National Insurance Company
American National Insurance Company (NASDAQ: ANAT) is a major American insurance corporation based in Galveston, Texas. The company and its subsidiaries operate in all 50 U.S. states, the District of Columbia, Puerto Rico, and American Samoa. Through its subsidiary, American National de México, Compañía de Seguros de Vida, it provides products and services in Mexico.Company description

American National was founded in 1905 by Galveston businessman William L. Moody, Jr.. Today the company offers a wide array of insurance products and services including life insurance, annuities, health insurance, property and casualty insurance, credit insurance, and pension plan services. Mutual funds and other securities products are distributed through its broker-dealer subsidiary, Securities Management and Research, Inc.

Although a publicly traded company, the majority of the stock continues to be controlled by the Moody family through foundations and trusts administered by the trust department of the family owned Moody National Bank.[6][7]

Financial ratings[8]

American National is subject to insurance regulation and examination by all 50 states as well as federal entities like the SEC and FTC. In addition, its records are audited by KPMG as well as the major financial rating agencies. The ratings reflect the company’s capitalization, operating performance and liquidity.

* A. M. Best Company: A+ (Superior)
* Standard and Poor's: AAA (Very Strong)

American Automobile Association
History

The American Automobile Association was founded on March 4, 1902, in Cleveland, Ohio as a response to a lack of roads and highways suitable for autos. The organization originally had 1000 charter members, who were generally of an auto enthusiast demographic. AAA’s membership base is and was formed from a number of local and regional motor clubs that later combined forces to create a more powerful organization.

The association expanded its scope of services as years progressed. The first AAA road maps were published in 1905, and AAA began printing hotel guides in 1917. AAA began its School Safety Patrol Program in 1920, and many driver safety programs followed in the decades to come. The AAA Foundation for Traffic Safety, which conducts a large volume of studies regarding motorist safety, was established as separate entity in 1947.

AAA was a sanctioning organization for auto racing in the United States until 1956. It sanctioned many races, including the Indianapolis 500. After the 1955 Le Mans disaster, AAA decided that auto racing distracted from its primary goals, and the United States Automobile Club was formed to take over the race sanctioning/officiating.

[edit] Current operations
A typical AAA office
A typical AAA Car Care Plus center

Members belong to an individual club (such as AAA Northwest Ohio, AAA Mid-Atlantic, the California State Automobile Association, the Automobile Club of Southern California, AAA Oregon/Idaho, or Auto Club South, for example) and the clubs in turn own AAA. The member clubs have arranged a reciprocal service system so that members of any participating club are able to receive member services from any other affiliate club. Member dues finance all club services as well as the operations of the national organization.

From the standpoint of the consumer, AAA clubs primarily provide emergency road services to members. These services, which include everything from lockouts, winching, tire changes, automotive first aid, and towing, are handled by private local towing companies contracted by a state AAA club. Many AAA clubs have an automotive fleet division serving large metro areas, while private towing companies cover the surplus call volume by area. Recently, certain clubs have implemented an "on the go" diagnostic/installation automotive battery program, which offers members an additional service to an ever more demanding commute. This is part of AAA's vision for the future of automotive services, termed Go, not Tow. Clubs also distribute road maps and travel publications, and rate restaurants and hotels according to a "diamond" scale (one to five). The best hotels and restaurants according to AAA's criteria receive the Five Diamond Award. Many offices sell automobile liability insurance, provide travel agency, auto-registration and notary services. AAA also offers member discounts at over 100 partners including many hotels, Amtrak, Hertz rental cars, Jiffy Lube, LensCrafters, and Payless ShoeSource through its "Show Your Card & Save" program.

[edit] International affiliates

The AAA has reciprocal arrangements with a range of international affiliates. In general, members of affiliates are offered the same benefits as members of the AAA while traveling in the United States, whilst AAA members are offered equivalent benefits whilst traveling in the territory of the affiliate.

International affiliates include:

* The Automobile Association in the United Kingdom.
* The Canadian Automobile Association in Canada (TourBooks and maps of Canadian places are published by AAA, and are distributed by AAA and CAA clubs using both AAA and CAA logos).
* The ADAC in Germany.

[edit] AAA and motorist rights

The AAA has a mixed record with its support of motorist rights.

The AAA is known for occasional high profile motorist advisories of unreasonable traffic enforcement, such as when it rented a billboard to warn motorists of the speed trap town of Lawtey, Fl.[1] In addition, the speed trap in Denmark, South Carolina, continues to receive scrutiny, especially since the municipality raises revenue by issuing unwarranted speeding tickets, which, unfortunately, also puts unearned points on motorists' drivers licenses.[citation needed]

However, the AAA has taken positions contrary to motorist rights. Prominent examples include:

* Support of the old 55 mph National Maximum Speed Law[2]
* Support of Virginia's now-repealed traffic citation tax because of its revenue generation potential.[3][4]

In many states, the mere presence of a ticket on driver's record allows a provider of automobile insurance to charge higher rates regardless of actual risk, if any, posed by the actual violation. Therefore, as a major provider of automobile insurance, the AAA has a fiduciary interest in supporting policies or practices that maximize motorist citations.

ANOTHER LIST AUTO INSURANCE BY RATING :
* American National Insurance Company
* American Automobile Association
* AIG
* Allstate
* American Family Insurance
* American Farmers and Ranchers Mutual (formerly Oklahoma Farmers Union Mututal)
* Amica
* Auto-Owners Insurance
* California Casualty Insurance
* CapitalOne

* Commerce Insurance Group
* COUNTRY Insurance & Financial Services
* Cuna Mutual Group
* Electric Insurance Company
* Esurance
* Expatriate Insurance
* Farm Bureau Insurance
* Farmers Insurance
* Frankenmuth Mutual Insurance Company
* GAINSCO Auto Insurance
* GMAC Insurance
* Geico
* The General
* GuideOne
* Hanover Insurance
* The Hartford
* Hastings Mutual Insurance Company
* Haulers Insurance Company
* Infinity Auto Insurance Company
* Liberty Mutual
* Nationwide Insurance
* National Interstate
* Metropolitan Life Insurance Company
* Mutual of Enumclaw[1]
* OneBeacon Insurance Group
* Pekin Insurance[2]
* Pemco
* Progressive
* Safeco
* Safeway Insurance Group
* Standard Insurance Company [3]
* State Auto Insurance Companies[4]
* Shelter Insurance Companies
* Solid Insurance Group
* State Farm Mutual Automobile Insurance Company
* The St. Paul Travelers Companies, Inc.
* Trustgard Insurance
* Unitrin Direct Auto Insurance
* USAA
* Wawanesa (California)
* Westfield Insurance

Six ways to save on auto insurance

2008-11-03T08:13:00.000-08:00

“It was an old Oldsmobile that my mom and dad gave me and the gas pedal never even worked and I had it for two weeks!” said Vickie Sheaks.
Most everyone can remember their first car.
"Our first car was a '55 Oldsmobile," said Granger resident Dave Byers.
However, most drivers can't remember what they paid for insurance then or now. “Oh, I have no idea," said Byers.The cost of insurance revs up a lot of drivers and not in a good way. To obtain copies of free quotes, you must first know a site that offers this service. There are 2 options, you can either go to each insurance company's website and fill out their Free Auto Insurance quotes form or else you can find an online insurance broker that works with a number of insurers to get your Free Auto Insurance Quotes . Both ways have their advantages but we definitely recommend you to go online and fill out all the quote forms. When it comes down to it, you can do whichever you think is the best.
The Next step is to provide accurate information on yourself as well as what you are looking for in your free quotes. Remember, if you mess up even one detail , you may end up having an inaccurate free quotes in your hand. This could lead to a huge disappointment down the line when you are told that you cannot obtain the price of the original quotes. Please bear in mind, to get a cheaper free auto insurance quotes, please provide them this detail - your background, type of car, driving history, police record, date of birth.

Remember, the more auto insurance quotes you got, the more choices you can compare. We personally recommend a minimum of 3 free car insurance quotes. Getting one quotes is a great place to start, but this is not where you should stop. Even if your first auto insurance quote looks great, you never know what the competition is going to do for you; this is until you get free quotes from them as well. Remember to set a budget for yourself, a price that you can afford.

In the end , your final step is to purchase a policy from the auto insurance quotes that you have received. This may be the most difficult decision that you are faced with; especially if there are a couple of policies that you like.

Oh ya, a short note from me, Insurance companies are inter-linked with each other, it's better to be honest with them. That's why providing precise and accurate information to get free auto insurance quotes is no joke, make sure you give the same information to every insurance company. Don't simply try out by filling the quotes with different information, they have information exchanged everyday and they would know. You will end up getting free auto insurance quote which are much more expensive and there will be no chance to lower the premium down."You’ve gotta find somebody that you trust, that understands the business and will work for you to find out what your needs are,” stated Jim Holland, owner of Holland Insurance in South Bend.

For 18 years Holland has been providing drivers with coverage and says there are some super savings available for savvy consumers.

"Increasing deductibles — we're seeing 10 and 15 plus percent discounts, taking a deductible from $500 to $1,000," said Holland. "Does the vehicle have anti-lock brakes, air bags, all the typical credits?"

You can save up to 20 percent on your bill by insuring both your home and car with the same company — that goes for renters, too.

If your credit score has improved over the last year or so, call your agent. You can roll up to a deep discount.

Parents with student drivers can save, too.

“If you have students, good student discounts are available,” Holland adds, “If you have a student away at school, you've got to make sure your agent is aware of that so they can give you the appropriate credit on your policy.”

Don't be afraid to shop around for the best rates. Byers did and he saved $500 a year.

"I just got a quote from a local insurance agency, compared it to what I had been paying for 20-something years and said ‘Hey I've got to do something different,'" said Byers.

Experts say to get at least three quotes from three reputable agencies.

Putting the brakes on big car insurance bills is as easy as:
# Increasing your deductible
# Listing all the safety features on your car
# Combining home and car insurance with the same company
# Letting your agent know if your credit score has improved
# Letting your agent know when your student is away at college; good students get better premiums
# Shopping around for the best bargain

In these tough economic times it is good to know you can get affordable auto insurance without breaking the bank or the speed limit.

"The industry is designed to protect people and we want to do it at the right value for them," stated Holland.

Types of Coverage auto insurance

2008-10-30T11:53:00.000-07:00

Each person who drives necessitates car insurance. In fact, most states command it by law. When you purchase car insurance, you are purchasing what is called a policy. Your policy is grounded on a diverseness of factors admitting what kind of car you drive as well as what sort of insurance you want. compare auto insuranc policies are in reality a package of dissimilar types of insurance coverage.
The first step in interpreting an auto insurance policy is to ascertain the various types of coverage insurance companions offer. Some of this coverage may be compulsory by your state and some of the coverage may be facultative.

• Liability - This coverage antes up for accidental corporal trauma and property indemnification to others. Injury impairments include medical disbursements, pain and bearing and lost wages. Property damage admits damaged property and automobiles. This coverage also compensates defense and court costs. State laws ascertain how much liability coverage you must leverage, but you can forever get more coverage than your state compels.
• Collision - This coverage pays for impairments to your vehicle stimulated by collision with additional vehicle or object.
• Comprehensive - This coverage compensates for loss or impairment to the insured vehicle that doesn't come about in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, flood, vandalism, wind, hail, or theft.
• Medical Coverage - Pays medical expenses disregarding of fault when the expenses are stimulated by an auto accident.
• PIP - Personal Injury Protection (PIP) is commanded in some states. This coverage compensates medical expenses for the insured driver, irrespective of fault, for discourse due to an auto accident.
• Uninsured Motorist - compensates your car's impairments when an auto accident is induced by a driver who doesn't have financial obligation insurance.
• Underinsured Motorist - compensates your car's impairments when an auto accident is stimulated by someone who has deficient liability insurance.
• Rental Reimbursement - This type of coverage will compensate for a rental car if your car is besmirched due to an auto accident. Frequently this coverage has a day-to-day leeway for a rental car.
Numerous insurance policies coalesce a number of these eccentrics of coverage. The first step in picking out the compare auto insurance you desire for your car is to know the laws in your state. This will tell you the lower limit insurance you need for your car. It's benevolent to keep in mind that, just since your state may not compel extensive insurance, extra coverage may be meriting the expense.
After all, no one desires to be bewildered with thousands of dollars worth of bills because of an auto accident.Now, let's take a look at how to determine your insurance needs.

Bringing the Costs Down

There are four main components that can donjon compare auto insurance rates bolt down. See if you accrue into any of the accompanying categories. If you do, you may be able to save money on your car insurance disregarding of the appraise of your automobile.

1. If you are awaiting to buy a car, turn over buying a car that looks benevolent to insurance companies. For instance, insurance companies be intimate what varieties of cars are prostrate to problems. They also experience what varieties of cars are most frequently stolen. If you haven't bought your car yet, find out what cars make this "good list" amidst auto insurers.

2. Most insurance companies extend discounts for a variety of reasons - for example, estimable students, having additional than one car insured and accident-free driving are all worth a discount. Necessitate insurance companies just about particular discounts that may be uncommitted to you.

3. Deliberate carpooling or using public expatriation to get to work. The less you use your car, the less your insurance will cost you.

4. Finally, drive with kid gloves! Insurance companies are not happy to insure accident- prostrate drivers, so the more dependable you drive, the less you will have to compensate for auto insurance. Source :http://www.heavens-above.com/financialinfo/insurance/compar

AUTO INSURANCE IN INDIA

2008-10-27T00:19:00.000-07:00

Auto Insurance in India deals with the insurance covers for the loss or damage caused to the automobile or its parts due to natural and man-made calamities. It provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability. There are certain general insurance companies who also offer online insurance service for the vehicle.

Auto Insurance in India is a compulsory requirement for all new vehicles used whether for commercial or personal use. The insurance companies have tie-ups with leading automobile manufacturers. They offer their customers instant auto quotes. Auto premium is determined by a number of factors and the amount of premium increases with the rise in the price of the vehicle. The claims of the Auto Insurance in India can be accidental, theft claims or third party claims. Certain documents are required for claiming Auto Insurance in India , like duly signed claim form, RC copy of the vehicle, Driving license copy, FIR copy, Original estimate and policy copy.

There are different types of Auto Insurance in India :

* Private Car Insurance – in the Auto Insurance in India, Private Car Insurance is the fastest growing sector as it is compulsory for all the new cars. The amount of premium depends on the make and value of the car, state where the car is registered and the year of manufacture.
* Two Wheeler Insurance – the Two Wheeler Insurance under the Auto Insurance in India covers accidental insurance for the drivers of the vehicle. The amount of premium depends on the current showroom price multiplied by the depreciation rate fixed by the Tariff Advisory Committee at the time of the beginning of policy period.
* Commercial Vehicle Insurance – Commercial Vehicle Insurance under the Auto Insurance in India provides cover for all the vehicles which are not used for personal purposes, like the Trucks and HMVs. The amount of premium depends on the showroom price of the vehicle at the commencement of the insurance period, make of the vehicle and the place of registration of the vehicle.

The auto insurance generally includes:

* Loss or damage by accident, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act.
* Liability for third party injury/death, third party property and liability to paid driver
* On payment of appropriate additional premium, loss/damage to electrical/electronic accessories

The auto insurance does not include:

* Consequential loss, depreciation, mechanical and electrical breakdown, failure or breakage
* When vehicle is used outside the geographical area
* War or nuclear perils and drunken driving

Some of the leading Insurance Companies offering Auto Insurance in India are:

HSBC India – Auto Secure
Bajaj Allianz - Bajaj Allianz's Motor Insurance
ICICI Lombard - Motor Plans, Two Wheeler Package Policy
United India Insurance Co. - Motor Package and Liability Only Policies
The New India Assurance Co. - Motor Policy

TEXAS AUTO INSURANCE

2008-10-25T01:29:00.001-07:00

Today's Texas auto insurance market does not seem to have senior drivers in mind when it comes to lower rates. Even when actual car use has diminished, some mature drivers find themselves paying higher premiums. The problem is not that Texas insurers are attempting to push senior drivers into a position of unaffordable auto insurance. The reality is simply that changes in pricing structure have made it more difficult for individual seniors to understand all of the factors that may apply to rate reduction. Consequently, senior drivers are often unaware of the specific ways in which their auto insurance rates may be lowered.

Senior drivers looking to lower their premiums on auto insurance should review their policies taking the following considerations into mind.

* Driver classification - Commonly described as automobile usage, a driver classification specifically defines the type and amount the auto will be used by the insured senior driver. Types of usage include "to and from work" or "pleasure only." A senior's driver classification may also take into account the decreases in mileage annually. Some seniors use their vehicle only on special occasion, which could result in further rate decreases. A senior looking for lower auto insurance rates should make sure the carrier is aware of the actual vehicle usage, and that this factor is being taken into account in the rate calculations.

* Drivers history - Auto insurance carriers in Texas use these three major indicators in underwriting policies and determining rates. It is recommended that all Senior drivers make their driver's history as "clean" as possible. One should contest all moving violations when possible, and cover others with defensive driving courses.

* Claims history - A Senior's claims history carries significant weight as well. The Texas Department of Insurance requires carriers to record all claims reported to them by the insured. With this in mind, it is important to understand that when contacting an insurance representative, one should specify whenever the call is for information only. Otherwise, it may be recorded a filed claim, thereby affecting your claims history and possibly rates.

* Financial score - Senior drivers should do whatever they can to improve their financial score when looking for low auto insurance rates. Stability and debt ratio are major factors that carriers take into account when underwriting a Senior's policy. Seniors that have reduced their financial obligations should make sure their financial scores reflect this, and alert their insurance agents whenever such information has changed.

As with all types of insurance, seniors should feel that their carrier's representative is willing and able to take the time needed to discuss and adjust the auto insurance policy to their clients benefit. George White understand the importance many seniors place upon the ability to contact a human being that can give them the personal time and attention they need to feel confident and secure about the auto insurance policy they receive. For this reason, George White will make sure to speak with you on an individual basis about your policy, and how lower rates may be attained. If he cannot offer you the lowest possible rate or the best policy appropriate to your situation, he will refer you to someone who can!

Give George White a call today toll free at 866-663-5262 to learn more about how you can lower your auto insurance rates by getting the type of coverage that is right for you!

Most Famous Auto Insurance

2008-10-25T01:15:00.000-07:00

SAFECO INSURANCE:

Safeco insurance company sells their products solely via a countrywide network of autonomous agents and dealers who offer the advice and options to the client. They also own a web-based dais where a client only needs to register his name, contact details and the requirement. The agents within minutes contact him, quote the policy and issue insurance to his vehicle.

GEICO AUTO INSURANCE COMPANY:

Geico offers auto insurance to clients across the U.S. They also provide insurance coverage for your home, boat, RV, life and much more.

STATE FARM AUTO INSURANCE COMPANY :

This auto insurance company has been in this trade for offering first-rate auto cover at a reasonable price since 1922.

Auto Insurance is designed to fiscally cover up the possible auto-related damages, loss or injuries. It assists you in the protection of the automobile, other people's property the other vehicles and drivers and the pedestrians. It may also help defend you in the incident of an auto-associated lawsuit.

PROGRESSIVE AUTO INSURANCE COMPANY:

Progressive is the 3rd largest insurance company in the country with the clientele of around or above 10 million people to insure their vehicles. Progressive is mainly known for the wide variety of products to suit the requirement of almost all the drivers. They provide unbeatable customer care and attention making their client permanent.

MEXBOUND AUTO INSURANCE COMPANY:

Mexbound is an online company that facilitates auto insurance to the clients all over Mexico. The insurance policy can be chosen and bought online. Mexbound through a secure online process lets you easily get a quote and take a print of your Mexico Auto Insurance policy within minutes, totally eliminating the hassles of taking halt at the border. Mexbound auto Insurance company provides 24*7 toll free claim service, roadside aid and law and travel information.

ICICI LOMBARD INSURANCE COMPANY:
ICICI Lombard auto Insurance Company Limited is a joint business enterprise between ICICI Bank Limited and the Canada based $ 26 billion Fairfax Financial Holdings Limited.India's second largest bank, ICICI Bank and Fairfax Financial Holdings is a spread out financial company affianced into a business of auto insurance, insurance claims management, reinsurance and investment management.

Auto-insurance fraud hurts all motorists

2008-10-24T13:32:00.000-07:00

OUR OPINION: Insurers aggressively should pursue the con artists

The lawsuit that Allstate Insurance recently filed in federal court in Miami may be bad news for the defendants -- tow-truck operators, chiropractic clinics, auto-body shops, some policyholders and others -- but it could be a good omen for policyholders. It definitely will be if it emboldens insurers to aggressively pursue fraud.

Staging accidents

The lawsuit alleges that the defendants collaborated in staging 17 auto accidents -- and possibly more -- and then filed fraudulent insurance claims. The lawsuit isn't a first. Allstate and other insurers do go after businesses and policyholders when they suspect cheating. More often than not, though, insurers find it easier to pay the claim and move on. That's because lawsuits are messy, expensive and time-consuming. Worse, the outcome of a jury trial can be unpredictable. In South Florida, even cases where the evidence of fraud is overwhelming have ended with insurers leaving the courthouse in shock and disbelief because of an unfavorable jury verdict.

As a consequence, many insurers are overly cautious about going to trial. Too often it is easier to pay than fight. The ultimate losers in this game of chicken are honest policyholders. They end up paying premiums inflated by the cost of fraudulent claims. This is why it is encouraging when an insurer goes to court to challenge an alleged bogus claim. Frankly, we wish it would happen more often.

The Allstate case involves an alleged network of businesses that brazenly and repeatedly filed claims in a scheme to steal from insurers -- and indirectly from policyholders. One driver would ram another driver's car. Both were part of the scam. Both would file claims for damages and medical bills, and the insurance companies would dutifully pay.

In these cases, the insurance companies paid out tens of thousands of dollars. Allstate realized that something was wrong when representatives noticed that the same cars with the same damage turned up in multiple accidents. The company investigated, gathered evidence and hired a lawyer to bring suit.

Billions lost

Whatever the outcome, the lawsuit sends a message to the scammers that they could end up in court and lose their businesses. There are other benefits, too. Once they're busted, the network of con artists has to cease doing ''business,'' or at least take extraordinary precautions to continue. If all insurers aggressively pursued fraud -- or even just a majority of them -- they could significantly raise the stakes for the thieves to stay in business.

Prosecutors say relatively few groups engage in organized fraud, but they steal billions each year from insurers and honest drivers. Insurers should consider prosecuting scam artists as an investment that results in lower costs for their business and lower premiums for customers.