Monthly Archives: May 2020

7 Scenarios Wherein a Car Insurance Claim Might Get Rejected

Car insurance is a mandatory investment as the law. Therefore, a large number of car owners opt to pay a premium for a car insurance policy to safeguard their cars against a possible collision. However despite this, a majority of their claims are rejected by companies. This is because people are unaware or rather ignorant to the intricacies related to car insurance. Therefore, a major chunk of car insurance claims are rejected. To stop this from happening, let’s go through a list of reasons where a car insurance claim might get rejected:

1. Intimating your insurer late or not at all: Please be informed that your claim is destined to be rejected if you fail to inform your insurance provider in the stipulated timeframe. On an average, you should update your insurance company within 48 to 72 hours from the time of accident or collision.

2. Driving under the influence of alcohol or any other drug: This one is a no-brainer but still most people are negligent about it. If you are driving when you have consumed alcohol not only are you breaking the law, but even your insurance company will refuse to cover in case of an accident.

3. If your car is being used for commercial purposes: If you have a private car and it is being used for any commercial use such as being used to carry goods or passengers than your car insurance provider can reject your claim. This is because there are different policies for Private car and commercial vehicle policies.

4. If you drive without a valid license: In case you or anyone driving your car is driving valid license and face an accident then your coverage becomes null and void. Therefore, ensure you renew your license on time.

5. Starting the repairs before inspection by insurer: When you intimate your insurer about the collision or accident, a surveyor will visit you to inspect the condition of the car and authenticate your claim. Without this inspection, the insurance company will be unable to trace the degree of the repairs and estimate the cost involved. Therefore, your claim is bound to be rejected.

6. Failing to transfer the policy from the previous owner: There is going to be some verification during the claim process. In case, the car insurance policy is not in your name then your insurer has the right to refuse your claim.

7. An Electrical or Mechanical Breakdown: In case your car is damaged without any external collision due to some electrical or mechanical breakdown then you are not covered by your car insurance policy. In this case, you will have to shell out some money from your own pocket.

Next time be more careful of all these reasons and ensure you make maximum utilization of your car insurance policy.

Car Insurance With SR22 or FR44 After DWI or DUI to Regain License

Car insurance with SR22 or FR44 filing is required in most states for DWI or DUI drivers. This type of car insurance policy is tailored to meet coverage and other requirements specific to each state. SR22 and FR44 are the names of the forms used to document and submit (file) proof of insurance compliance. This is often the last step before convicted drivers regain their license. The process is similar everywhere with some distinct differences in a few states.

Each state legislature determines requirements, and their respective Department of Motor Vehicles administers the process. In 2007 and 2008 Florida and Virginia began to separate DUI convictions by using Form FR44 exclusively for them, while maintaining the SR22 form for all other high risk drivers. The FR44 compliant policy includes $300,000 of liability limits in Florida while its SR22 requires $30,000. In Virginia it is $100,000 for the FR44 and $50,000 for the SR22. Texas increased its liability requirement for their DWI drivers in 2011. Since 1980 Mothers Against Drunk Drivers (MADD) has brought this issue to the forefront and states have responded by continuously doing more to deter drinking and driving.

Another trend toward deterrence has emerged due to the sluggish economy because of vigorous enforcement. Local municipalities and states with diminishing revenues are aggressively seeking out drivers to collect fines and fees. Additional administrative and underwriting (insuring) requirements, to enhance deterrence, will likely continue by most states. Current notable differences between some major states include California and Florida having a 3 year compliance period and Texas 2. New York, North Carolina, Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania do not require FR44 or SR22 altogether. Finding out the exact requirements where you live is critical in securing a policy for license reinstatement.

Florida and Virginia, the only two states that require FR44 insurance for their DUI drivers has enjoyed much success from this program. For a number of reasons it turns out that FR44 car insurance is a benefit for everyone, including the policyholder. All states have 0.08 blood alcohol percentage as their standard legal limit. Likewise, FR44 insurance for DUI drivers may become a standard for all states due to its success in Florida and Virginia.

Car insurance policies from wherever you live with either a DUI, DWI, FR44 or SR22 are all very similar. However, the differences are critical in getting your license reinstated and how much you pay. Keep in mind requirements frequently change for convicted drivers. A knowledgeable independent insurance agent, licensed in your state, can explain the exact requirements needed and how much it will cost. The same agent can start the process by completing, binding, and submitting an application to the insurance company. The SR22 or FR44 Form is usually generated at point of sale, and submitted electronically as is required in Florida. A duplicate copy can generally be given to the applicant and brought to the DMV to expedite license reinstatement.

Get Car Insurance Quotes Online: Guide on How to Use Internet Tools to Find Auto Insurance

Thanks to the internet, information regarding auto insurance companies and rates is easy for everybody to obtain. You don’t have to go through a third party – you can conduct all of the research yourself. All it takes is a short survey and you can get multiple car insurance quotes online. Spend a bit of time comparing them and reading reviews on the companies to decide which offer is the right one for you.

Unfortunately, there is a lot of misinformation on the internet, and scams are rampant. This is why you must be careful when doing your research. Don’t just automatically choose the cheapest policy you come across. No two quotes are going to be exactly the same, since each company conducts their evaluations a bit differently.

The criteria, in general, are the same, however. Factors that will likely play a role in the quotes you receive including your driving record, credit score, model and make of the vehicle, geographical location, and age. What DOES differ is the amount of weight each company puts on each of these factors.

What kind of information must you provide in order to get car insurance quotes online? In order for the quotes to be as realistic and personal as possible, you must enter details about your age, location, vehicle, and driving history. Some sites may require you to provide more personal information than others.

Good News When You Get Car Insurance Quotes Online

The good news is that there are sometimes discounts available to help you save. Before you select an offer and go through it, you must first find out if you are eligible for any kind of discount. Sometimes, students can get a discount if they take a driver’s education course and maintain good grades. Adult drivers might even be able to save if they take a driver’s defense course. There are also discounts for members of certain organizations, such as the military.

There are also “equipment-related” discounts. If you get your vehicle equipped with anti-theft technology, such as alarms, kill-switches, tracking systems, etc., you might be able to get a nice discount. Just check and see if the equipment has to be factory-installed.

Other potential discounts you might be able to obtain include automated payment from checking account setup, green / hybrid vehicle, customer loyalty, and being the homeowner of a condominium or single family home.

Where can you get car insurance quotes online? One safe, reliable place to begin your search is with esurance. Reviews are highly positive and the site allows users to get real quotes for free. Compare the quotes and policies side-by-side and select the one that best suits your needs. esurance is a very user-friendly site.

Really Cheap Car Insurance Tips – What Are Things You Can Do to Get Cheaper Quotes?

Auto insurance can be an expensive bill for many people each month. Some people can barely even afford it, or worse – try and go without it, despite it being illegal to do so. Trying to obtain really cheap car insurance is something into which drivers put a lot of time and effort. While using a site that offers quotes and comparison tools can be helpful, not all of them are equal. Even if you do use such a site, you might not get the low quotes that you want.

In order to get cheaper quotes, here are a few tips and “hacks” for getting deals on auto insurance:

• Know the factors that affect the types of policies and rates you get. While many factors vary from one company to the next, there are a few that are always considered: your driving record and history, age, model and make of vehicle you drive, city and state, how often you use the vehicle you want insured, and credit score. Some factors, like where you live and how old you are, cannot be changed. For the ones that can, make improvements as best you can.

• Check for any and every discount possible. If you have close family in the military, for instance, you yourself might be able to get reduced auto insurance due to “affinity discounts”. In some areas, you can get discounts by taking safety driving courses. Look for site-specific and company-specific coupons as well.

More Tips for Really Cheap Car Insurance

• Try adding a more experienced driver with a clean driving history to your policy. If you are under 25 or have a poor driving record, it might be in your best interest to ask a family member who has a sparkling clean driving record and more experience to join your policy. If they agree to this, DO NOT let them down and make any mistakes, as being on the same policy as you could actually hurt their own score.

• Know what to look for when using really cheap car insurance quote sites. The lowest quote you get might not be the best, depending on what it does cover and does not cover. You could end up paying more money in the long run if you choose the wrong kind of policy. Understand what kind(s) of coverage each quote includes and decide whether or not you really need it all, or if there is any you can do without. On the flip side, make sure it doesn’t LACK anything you WILL need.

Whenever you think you are ready to start searching for really cheap car insurance, use a quality, reliable website. One site recommended by many people is Esurance. Discounts of all kinds are available, so check and see if you qualify for any of them.

Is It Possible That Your Car Insurance Company Had Discounts They Are Not Telling You About?

Learning the ins and outs of general and classic insurance coverage will help you get the right coverage at the right price. A number of factors determine the particular drivers that insurance companies give the best premium rates to.

Before purchasing a new vehicle or a classic vehicle, always research insurance rates. Your insurance agent can inform you which new cars have the lowest insurance rates. Knowing the rates can help you in choosing the car that is best for you. By purchasing a car that has a good safety rating, you can save a lot on your car insurance.

When shopping for vehicle insurance coverage for your teen, ask your agent to give you a quote, both as a separate policy and also as an addition to your existing policy. In some cases, you may want to insure your teenager separately.

Many people believe that auto insurance rates go down automatically for young drivers once they reach 25. However, the truth is that rates slowly decrease from the time a driver turns 18 years old, as long as he or she maintains a clean driving record.

There are insurance plans beyond what is legally required that offer better protection. You are going to have to pay a higher deductible, but it might work out for you in the long run. Using uninsured motorist protection protects you from financial liability if you are the victim of a hit-and-run accident, or if any driver that causes you damage is not carrying insurance.

Don’t do monthly payments for your classic auto insurance bill. Insurance providers add a convenience fee to monthly payments. These extra fees can become significant over time. It can also become a hassle on top of all your other monthly bills. The fewer payments you make, the more money you save.

The best way to keep your insurance down is to avoid tickets and accidents. Getting in an accident will drastically increase your rates. Drive defensively and know your limits. Stay out of situations in which you have a higher chance of an accident. Do not drink and drive and stay home if the weather is bad.

Most people pay a different premium for auto insurance. This is not entirely due to different driving situations and different vehicles, either. Certain people can get the same amount of coverage, if not more, and save money. You can easily do this if you take the time to learn the auto insurance tricks.

You now know that it is possible to find affordable insurance rates with a great company. By actively using the tips described in this article, you can have lower car insurance premiums.

Get Car Insurance Quotes: Info On the Most Important Things to Consider When Comparing Policies

It is very easy these days to get car insurance quotes online. The part that is not easy is actually comparing the quotes and determining which one offers the type(s) of coverage you most need at a reasonable price. In order to begin, you’ll need to fill out a few details and hit the “submission” button. The types of details you’ll be expected to provide vary from one site to the next. Experts recommend to compare at least three offers before making your final decision. Also, review your current policy. It may very well still be the best option for you.

If you want to add somebody else to your policy, such as a teenager or spouse, then be sure and add their details as well when requesting quotes. What kind of coverage do you need? Most states require drivers have some sort of auto insurance. Find out what your state’s minimum requirements are. Even if you think you already know, double check to ensure that nothing has changed since the last time you purchased an auto insurance policy.

Most states require, at the very least, that drivers have liability insurance. When purchasing this kind of insurance, the coverage limits tend to be indicated by three numbers. The first number refers to the maximum bodily injury (in thousands of dollars) for one individual injured in an accident. The second number refers to the maximum liability for every injury caused in the accident, and third number indicates the maximum property damage liability. Keep this in mind when you are trying to get car insurance quotes online.

Get Car Insurance Quotes for PIP

Another thing to consider is personal injury protection (PIP). This is essential if you play an important role in your family’s finances. If you end up badly injured and in the hospital and unable to work, and then have to pay medical bills on top of that, then your entire family will be in trouble. PIP is definitely important coverage to have.

Do you need comprehensive coverage? If you have a cheap, older vehicle then you might not. This type of coverage reimburses you in the event that your vehicle is badly damaged in an accident or stolen. If it isn’t worth much anyway, then it might be a waste of money to pay on a policy with comprehensive coverage. You might be better off taking the risk and then just paying the deductible if it’s damaged.

Now that you know about some of the important things to look for when you get car insurance quotes, you can head to esurance and take a look at their options. There are tools that help you choose the best car insurance plan, such as the “Coverage Counseler” and “Compare Car Insurance”.