Auto Insurance Coverage| If Involved In An Accident With An Uninsured Driver?

Posted on January 20, 2010 by aishu

Uninsured drivers are ten times more likely to drink and drive and three times more likely to be convicted of driving without due care and attention. They also cause one accident every six months. In fact one in twenty motorists regularly drive without insurance. It’s therefore not perhaps surprising that, one in ten of all motorists have been involved in accidents with uninsured drivers. The question is what to do if you’re involved in an accident with one?

Auto Insurance Coverage

At the time of the accident you’re unlikely to realise that the other driver is uninsured so you’ll have to react in the normal way. Take a note of the other car’s make, model and registration number. Also note the other driver’s name and address – but whether he’ll give you his correct details is perhaps unlikely! Nevertheless, always record what the other driver says. Unless you have this information you’ll have no leg to stand on when it comes to getting some of your money back.

Also take notes about the damage to the other car and the accident scene. Remember to note road markings, road signs, light and weather conditions and whether the other car had its lights on – in fact as much detail as possible. Then if you’re lucky enough to have an independent witness get their full contact details. And if you happen to have a camera in the car, take lots of pictures – and try and get one with the other driver clearly in the picture. The police might like that one!

If your policy is comprehensive, your insurer pay for your car to be repaired but you could lose your no claims discount unless you’ve paid to protect it. But then there’s the issue of your excess payment – that’s the first part of the repair cost you have to pay for. You’ll have to pay that unless you’re lucky enough to have a policy that waives the excess payment if you’re hit by an uninsured driver.

For those of you with third party car insurance, you’re in for a hard time. Your insurer won’t pay for your repairs and, as the other driver is uninsured, you’re not going to get any money off him unless you can trace him and succeed in a court action. Even then there’s no guarantee that he’ll pay up! Your only guaranteed solution is to make a compensation claim to the Motor Insurers’ Bureau - but you’ll still have to pay the first £300 of the claim.

The Motor Insurers’ Bureau insists that have the other drivers’ car registration number and you must first report the accident to the police. Always ask the police for a copy of their accident report as the Bureau’s likely to ask to see it. The Bureau’s telephone number is 01908 671681 or you can e-mail them on enquiries@mib.org.uk.

At the moment The UK’ Law is being amended to crackdown on uninsured drivers. Not before time. Anyone keeping, not just driving, an uninsured vehicle now faces a fixed £100 fine and can also have their car seized and crushed. Currently the average fine for driving without insurance is just £170 and that’s hardly a punishment when car insurance costs many times more. Losing the car plus a fine of £100 is much more realistic. Let’s hope that the courts fully implement the crushing sanction!

A police spokesman said recently, “ Uninsured drivers are often guilty of many other driving related offences, such as having no driving licence or MOT certificate. We’re doing everything in our power to get these dangerous and illegal drivers off our roads”.

Buy Cheap Car Insurance Online – Cheap Auto Insurance Quotes Online

Posted on January 20, 2010 by aishu

Buying cheap car insurance online usually gets you the least cost with the best coverage possible. There are a number of factors that insure this and there is a best way to get the best results. Let’s see what those are…

As it happens with every business, insurance companies have costs when it comes to customer acquisition. Prospective insurers don’t just come to them; they have to pay something to get them. The online medium lets companies get customers at a smaller price.

And again, like in any other business, these costs are covered by the customers. If a company can reduce a cost, they can also pass that along to their customers, by reducing their bill. A niche like car insurance, which is extremely competitive, is no exception to this rule.

This is why almost all insurance companies give you discounts if you purchase your policy online. Overall, the rates are lower when you get your quotes from the Internet. Still, even lower rates can be had if you know how.

The best results for you are found on sites belonging to insurance brokers. They’re not part of a company or another, so the help they give you is not as biased. More then that, each time you request a quote, you’ll get it from five different companies.

Take some time and look at three sites of this type. You’ll get a lot of quotes this way and you’ll probably end up picking the best offer that you find.

After you get these quotes, compare them. Just because it’s cheaper, doesn’t mean it’s the best priced. Take a look at what it offers for the money they ask and find the best offer when it comes to price to value ratio.

The features that are important to your case should be included in the quote that you end up picking. Picking and buying a cheap car insurance online is that easy.

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Finding your Best Options in Discount Auto Insurance

Posted on January 20, 2010 by aishu

Anyone shopping for auto insurance wants to get the best deal. However, working out just how to do that is harder than it sounds. One option that many people choose when hoping to lower their rate is discount auto insurance. Many companies offer this kind of insurance, but not all of them are honest. Here’s some basic information to help you get the best deal on your discount auto insurance.

shopping for auto insurance

First, submit accurate information to be sure you get the right quote. There’s nothing more frustrating than thinking you know how much your auto insurance is going to cost, then finding out the quote wasn’t correct. Be sure that you mention any safety or security features that your car might have, in order to qualify for the largest number of discounts.

For example, if your car has 8 cylinders, then state that. Getting a quote on a 4 cylinder car when your car really has 6 or 8 cylinders will not cover you if you are in an accident. If you have some tickets on your driving record, you need to mention that, because they will eventually find out and it could totally void your insurance.

Once you’ve got a number of different quotes, it’s time to compare them. Read the fine print carefully, looking for differences in coverage, special limitations, and other non-price related factors that can set one company apart from the rest. Beware of deals that seem too good to be true. The insurance company may not pay out in the end.

Be sure that the coverage on plans you’re comparing is the same, or roughly the same. Watch for ceilings on payments, such as a low $50,000 in personal liability, as compared to $500,000 on another policy. While you’ll want to pay the lowest amount possible per month for your discount auto insurance, you still want your coverage to be effective if your car is in an accident. You can reduce the amount you pay on insurance by raising your deductible, but be careful not to overdo that, either. You could find yourself paying a lot more out of pocket than you can afford, just by trying to save a few dollars per month.

Watch out for companies that offer suspiciously low rates, are inconsistent about what they tell you, or have poor communication. Chances are, they won’t be on your side if you need to file a claim. You’ll be better off with a mainstream company that you know has good customer service than with a discount auto insurance company that won’t be there when you need them. Beware of hard sells and promises if doesn’t seem like your insurer can make good on them.

Just because you get your insurance on the Internet doesn’t mean it’s really discount auto insurance. Sure, doing business online allows companies to pass some savings on. However, there’s no guarantee that they’ll do that. Compare a lot of different rates, and don’t just limit yourself to Internet shopping if you really want to get the best discount auto insurance you can.

The Art of Buying Auto Insurance Online

Posted on January 19, 2010 by aishu

Before going out and actually buiyng a car insurance one actually needs to find out what kind and type of car insurance is required by him or her. This is avery imporatant point which many a times is not given enough importance by many people and they end up paying extra money without actually availing the benefits of the deal.

This problem an be solved by going for a thourough check on all the online car insurance companies that are availaible out there for buying policies from and then deciding which one to go for. There is a lot of information on which one can lay one’s hand on and get to know about a lot.

The advantage with searching online and of online registeries and agencies offering thr above mentioned service is that it is not a time consuming process and also is a very cheap variant rather than having to go round and round the insurance agents office and then also having to settle with the second best. This keeps the individual fully in control and one can make the decisions as according to himself or herself.

Car insurance is one thing that every person is required to have in order to protect from the extra burden of cost that on may be put under otherwise if involved in any sort of trouble associated with cars or is involved in an accident. Hence one should be covered by the right sort of car insurance in order to protect one from the mishappenings. In order to acheive the above stated thing one should research for the right companies and choose the best from the lot.Getting the right and the cheaest possible car insurance is not a very difficult job. In fact one only has tpo lok around in the right places in ordrr to find out the best car policies out there in the market. There are a lot of companies out there which offer different kinds of policies which are often also tailor made according to your needs .

One is required to maintain a highly clean driving record for being eligible to get cheap car insurance. Also drivers who have not put forwrd the caim of any insurance policy in the past few years has the advantage of being have to pay much less as compared to others. These are just some of the points on how to get a cheap car insurance.

Comparing Comprehensive Car Insurance

Posted on January 16, 2010 by aishu

Comparing comprehensive car insurance will save you money and time. Instead of running around all day, looking for car insurance you can use the quotes online to compare policies.

Comparing Comprehensive Car Insurance

The online tools give you access to thousands of car insurance providers that will help you find the best car insurance rates.

When you consider car insurance, you want to think – comprehensive – third party – third party liability – third party fire/theft – and so on.

Comprehensive -

This full coverage policy varies from company to company. You can find full coverage that will cover a wide arrange of issues, yet some policies have stipulations, clauses, etc that stops at a point.

When you research for full coverage, look through the plans, compare to see what you have available. You will find plans that will cover your overall car needs, yet how soon they pay out is something to consider. Some companies will pay out quickly, while others will put you through more drama than you will go through in a car crash. Take time to explore.

The law in most states expects third party, i.e. you at least need liability coverage in your town to avoid court fines and costs. You want to check around. Some of the third party coverage insurance will cover basics, but if your car catches afire, you are hit.

Comprehensive coverage is often best if you own a newer vehicle. In fact, when you purchase a vehicle from a car lot you will have to have full coverage insurance before you can drive the vehicle away.

If you have insurance already and feel that, the cost is more than you should be paying. You can search the Internet and use insurance quote tools to find lower prices. Use the auto insurance quote tools at the insurance sites online to compare cost, policies and companies.

Look for the lowest rates on car insurance premiums. If you agree to pay a higher deductible, you can get your premiums lowered. Deductibles range from $250 and up. The higher deductible you agree to pay the lower your premiums will be. Deductibles in the amount you agree to pay out of pocket on repairs caused from accidents, incidents, and so on.

If you have an older vehicle, you can surface with third party- third party liability – or third party fire/theft. Your best bet is to apply for third party liability. Third party insurance only will usually cover the other party’s damage and not yours. Liability protects you from lawsuits in the event you may cause an accident.

As I said, using the auto insurance quote systems online is wise. You can compare insurance costs and policies to learn more and find the best deals. Be sure to examine the auto insurance company you discover offering good deals to make sure that this company has a good reputation.

New Driver Car Insurance – Tips To Save Money With Your New Driver

Posted on January 15, 2010 by aishu

As a new driver, expect to pay more for your car insurance than you would if you were an older more experienced driver. All is not lost, however, there are things you can do to take the sting out of the cost of insurance and lower your rate.

New Driver Car Insurance

1.Vehicle: Stay away from brand new, very expensive, very fast, sport cars. Expensive cars cost more to insure, the more horse power, the higher and the premium. Go for something that is older, with many safety features. Companies offer discounts for features like automatic seatbelts, airbags and anti-lock brakes.

2.Drivers Education: As a new driver, it will help your insurance rate if you take an approved drivers safety course. Chat with your insurance agent before taking the course. You want to make sure that they recognize and approve of the institution offering the class. Aside from getting good driving information, you do want to get the insurance premium discount so make sure that it is one accepted by your insurance carrier.

3.Sober Driving: This is a no brainer, but needs to be said. Driving while under the influence is not only dangerous, but costly in more ways than one. If you are stopped with a DUI, not only will your insurance rates increase, if you are under aged, it is illegal and your insurance company may void your coverage.

4.Student Drivers: If you’re a new young driver that is still in school, maintaining good grades (B average or above) may earn a discount of up to 25% of your insurance premium.

5.Talk to your agent. Your insurance agent is aware of various discounts offered by the insurance company. You might qualify for some of them, but you won’t know unless you ask.

6.Compare: Get auto insurance quotes from more than one company. Shop around.

Hang in there. You’re only new once; rates will go down with driving experience.

Auto insurance & the internet – a marriage made in Heaven!!

Posted on January 15, 2010 by aishu

What better way to do this than via the worldwide web?

Auto insurance & the internet

A perfect example of this is the automobile or car insurance marketplace. In the past, if you wanted to get the most competitive quotation for your car insurance, you had to “shop around” by trudging from one insurance broker or company’s office to another, or by getting on the telephone to do the same thing.

The problem with this was that it was often difficult, if not impossible to know whether you were truly comparing like with like. There were (and, to a large extent, still are) so many potential variations from one company’s policy to another that it was almost impossible to know whether the two policies that you were comparing really did offer identical levels of protection and benefits.

This was not always a bad thing. For example, all car insurance companies tend to “load” the premium (i.e. charge extra) for “young drivers” to be included on a policy, which can be bad news for parents using the family car to teach their son or daughter to drive. However, Company “A” may define a young driver as someone below the age of 18, whereas Company “B” will use a threshold of 21 years of age.

If your child was 19, the chances are that Company “A” will be the best bet in these circumstances.

In other words in the old days, it was absolutely necessary to “read the small print”, to avoid ending up with a automobile insurance policy that really did not meet your requirements, although it appeared at first as if it did.

Coming right back up to the present day, whilst the small print is still extremely important, the internet has effectively ensured that it is no longer so small! It is now possible to make meaningful and accurate comparisons of exactly what two companies are offering with their car insurance policy at the touch of a button.

You are still “shopping around” but you are doing it at our own speed, from the comfort of your own home.

In this way, the internet has made finding the best car insurance a far less stressful business than it was in the past, and has also guaranteed that the policy you buy is absolutely the most suitable for your own circumstances.

Comparing Discount Car Insurance Companies – Things To Know Before Getting A Quote

Posted on January 8, 2010 by aishu

You are looking for an auto insurance policy for your car. Several auto insurance companies give you proposals; all of them are based on the same information which you provided. The policies have widely varying costs and proposals. How can you wisely choose the best policy and company?

Read carefully

Comparing Discount Car Insurance Companies

Lay the policies down side by side. Some insurers are able to offer low rates by giving skeleton coverage. You gave the auto insurance companies identical information but they may not have returned identical policies. Check the deductibles on the policies. Deductibles weigh heavily on the cost of insurance. See if all of the policies offer uninsured driver clauses. Look closely at coverage areas. Some auto insurance companies restrict their policies if you drive extensively out of state.

Type of company

Just as with home loan companies there are auto insurance companies that specialize in writing insurance for people with poor credit and/or poor driving records. If you have requested a quote from this kind of company their response may automatically be considerably higher than other companies. If you don’t have poor credit and/or a poor driving record immediately eliminate from your search companies that serve these markets.

Investigate company records

States keep records of how insurance companies respond to their customers. Files on insurers will include their response times, their histories of paying claims, any complaints or suits filed against them as well as other important consumer information. Note and eliminate any auto insurance companies which have numerous complaints against them.

Remember, having a low car insurance premium may not be worth much if you don’t have the coverage you need or can’t get your car insurance company to respond when you have an accident.

Please get as many auto insurance quotes as possible to insure that you will be paying as little as possible while getting all of the coverage that you need without paying for what you don’t.

Cheap Car Insurance Tips For Students

Posted on December 31, 2009 by aishu

Cheap car insurance is out there

My college days were laced with phone calls from the motor vehicle department reminding me of my many speeding tickets and moving violations. Although they never revoked my license I don’t think a driving record can get much worse without losing your license altogether.

Cheap Car Insurance Tips For Students

A driving record like that along with being younger than 25 years of age and you are looking at some very expensive insurance rates. At one time I had fifteen tickets on my record. Cheap car insurance was not the question. Getting at all was the issue. Many insurance companies would not even insure me. Those that did would not touch me for less than $600 per month. To make a long story short I did end up with insurance that was affordable. Even with tickets from my state and 3 surrounding states.

What to watch out for

Before running out and getting quotes from all over the internet there are some things to know. I was able to find insurance for about $136 per month while having that driving record. I also forgot to say that I had one accident claim on record also. I was able to find very affordable insurance. The difference is the coverage. I did have to give some things up. Many insurance companies are very different in what they offer. It could range from free vehicle towing to very high deductibles. Be sure to compare not only the quoted rate but the coverage also. And remember, in three years most states will clear your driving record and when you hit the age of 25 your rates improve dramatically.

Car Insurance Pricing Plans

Posted on December 30, 2009 by aishu

The law requires liability insurance for all drivers and vehicles. This means that if you are involved in a serious accident, and it turns out that it was your fault, your insurance company will pay out any claims that are made against you. Extra coverage on your own vehicle, called comprehensive insurance, is optional.

Car Insurance Pricing Plans

Insurance companies based on a number of risk factors will calculate the price you pay for this insurance. Basically how it works is the more they feel you are at risk of crashing, and the more they think the resulting crash will cost them, the higher the premium you’ll pay.

Assessment

Common factors that will be to assess the premium are the value of the car you’re driving, the safety of that vehicle, the coverage you want, will there be deductibles or limits etc.? How much you’ll drive the car, how your driving record stands, how long you’ve held your license, your age, and if you are young, also your sex.

The premium is then calculated. Usually there is a flat per car, per year rate that everyone pays, regardless of other factors. The other factors will then alter this rate, generally upwards. So if your car is especially fast or dangerous your rate will be increased by a set amount. If it is very old, your rate goes up. If you’ve had one or more accidents in the past, your rate will go up. If you’re young and male, your rate will go up. The more of these factors you satisfy, the more your rate will be going up.

Discounts

As a sales enhancement, many car insurers offer a “low estimated future mileage” discount to customers who predict that the car’s mileage will be below some stated limit during the next premium period. There is no verification involved and no additional charge if the car is subsequently driven more than the stated amount. This arbitrary discount tends to foster customer belief in the mistaken idea that “miles” are just one of many classification factors used to raise or lower prices from the territorial base rate. In fact, odometer miles (which insurers do not use) are not a factor but a metric – the only valid basis for measuring each car’s consumption of insurance protection in on-the-road use.

The best way to save on car insurance is to shop around, keep a good clean driving record, drive safely, and choose reliable cars that are not known for their power and speed.