Monthly Archives: November 2020

Car Accident Treatments: How Do They Affect My Car Insurance Benefits?

Ringing headaches, burning back pain, pulsing muscles. Sound familiar? If you’ve been involved in a car accident, it might. Car accidents may leave you in a painful and stressful state. Where do you go? What do you do? Well, if you’re concerned about your claim for car insurance benefits, specifically your personal injury protection benefits, which is required in the State of Florida as outlined in Fla. Statute § 627.736, you should document your state of health well.

Do you need to go to the emergency room? Maybe. You are the one who understands your injury the most. ER treatment might be necessary, of course, if you’re in a lot of serious pain after the accident. The hospital may give you the immediate attention you need, and it would also give you documentation, showing that you took the initiative to go to the hospital right away. This is very helpful, for example, in case an insurance adjuster is evaluating your benefits. The documentation and proof that you went to the hospital immediately after the car accident could potentially prove that you really are in pain and need treatment. “Your word” that you are in pain may not necessarily be enough to an insurance adjuster.

Making an appointment at an urgent care center may be another good option. Your personal injury may not merit an immediate need to visit the emergency room, but urgent care centers are also designed to deal with injuries and illnesses that require immediate attention. The centers may often be able to take walk-ins or, in some cases, allow online scheduling from the comfort of your home. This may be a good way to go if you lack proper health care and your PIP benefits are your only option. Urgent care centers may cost less than emergency room visits.

In any case, you’ll most likely be advised to see a doctor or specialist at some point if the pain insists. Going to a general physician or family doctor may also be a good idea in the beginning. Your family doctor may help give you the general overview of your symptoms, indicating the big picture of what you need to do. Sticking with your family doctor for a prolonged period of time, though, probably won’t help. In the long run, the general practitioner will really only give you medication for relieving symptoms rather than fixing the problem for long-term health.

What about chiropractors, orthopedic doctors, neurosurgeons, physical therapists, and neurologists? There are so many different types of specialists, so who do you go with? After getting a recommendation from a general doctor or someone at your hospital, you may have a better understanding of the cause of your symptoms. It might give you a little more insight into whether or not you need to be treated for your neck, your shoulder, your back, your upper back, your lower back, etc.

Chiropractors deal with injuries based on spinal adjustment. Orthopedic doctors give more specialized diagnoses and treatments of the back, neck and ligaments and connective tissues in general. Neurologists work closely with the nervous system and may be able to treat you if you’re suffering from chronic headaches or neck pains. Neurosurgeons also deal with the nervous system, and they have the capability of performing surgery if your medical issue is serious enough. There are lots of specialists to choose from, and the important part is understanding your circumstances completely, so that you get the right treatment and don’t waste your benefits.

The Benefits of Dirt Bike Parts Store for Riders and Dirt Bike Enthusiasts

Usually, dirt bike enthusiasts will try to find spare parts at dirt bike parts store. These spare parts are also required by dirt bikers before they start the race. Either, enthusiasts or racers need parts to replace obsolete parts or upgrade their bikes. The internet is considered the best way to meet your need for dirt bike parts; On the internet, many dirt bike parts stores provide various types of spare parts, brands, prices, and much other information. So, do you want to change the appearance of a dirt bike easily? If so, then surf the internet or refine your search at the best site.

However, not everyone likes to find dirt bike parts online. If so, then the nearest dirt bike parts store is the best solution. The advantage of shopping for parts at a spare parts store in the nearest area is that you can check spare parts in real-time. Besides, you will also receive direct installation of spare parts instructions and services from mechanics. They will be happy to offer suggestions and recommendations for your intended use.

Replacing the dirt bike part is great. However, not all spare parts have to be replaced when going on an adventure or participating in a race. There are several dirt bike parts that you may need to keep. For a dirt bike with a standard appearance, maybe you only need the best oil and oil filters. If you want to modify a dirt bike, then you have to spend more money to buy some mandatory spare parts such as exhaust, wheels, handlebar, front fenders, and tires.

To maintain the performance of a dirt bike, you should stock up on oil specifically for dirt bikes. Wheels and tires are also highly recommended to buy, as they can get damaged and wear out quickly. Dirt bike spare parts must be replaced on time because the bikes are often used at high speed in rough terrain. If you don’t want to replace it with a new one, you can make repairs or buy used parts. Therefore, always take the time to visit dirt bike parts store online or closest to your home to find the exact part you need. If necessary, do a few surveys to get a better offer from the market.

Apart from providing spare parts for dirt bikes, the dirt bike parts store also sells accessories for riders. These accessories support your appearance, comfort, and safety when dealing with heavy terrain. The first accessory is the helmet. A sturdy helmet not only serves to keep you cool but it will protect your head when an impact occurs. Riders also need special glasses to protect their eyes from splashing mud or other debris, several other accessories such as the knee, elbow, wrist, torso, and neck protectors, jacket, trouser suit, gloves, and boots.

Dirt bike parts store plays an important role in trail bike racers and enthusiasts. This shop provides all your trail bike needs, whether it’s for modifications, racing needs, and monthly maintenance. All spare parts and accessories are provided so riders can ride their bikes through bushes, branches, and muddy terrain.

Car Insurance, Gas Prices and the Economy

I don’t know about you, but whenever I’ve paid another bill and the financial going seems to smooth out a bit, there’s always some other economic hurdle to climb again. Take the recent rise in gas prices. Although some claim it to be insignificant, this is definitely not the case. Aside from the usual stuff of homeowners and commercial maintenance and insurance costs as well as the never-yielding auto upkeep and coverage premiums to contend with, the price jump hits us all hard.

While diesel truck-drivers can rightfully complain about the consistent upsurge in costs, the average car, van, motorcycle, ATV, RV or ATV now is stung with the painful slap in the wallet. Economists, as well as the leading insurance companies will tell you to fight back.

Fight back? How do you go to war with the gas pumps?

This is how:

1. When shopping for a new car, select one that has an excellent mileage record.

2. Research gas prices and patronize pumps that offer the best rate per gallon.

3. Be consistent with car maintenance practices: have the oil and filter changed as recommended and switch the air filter as per car manufacturer’s instructions.

4. Check you automobile’s fan belt. If it is installed too tightly, make sure it is sufficiently loosened so your engine does not work overtime and your gasoline level does not either.

5. Keep tabs on all four tires and tire pressure. If you are low on air, your gas will unfortunately also go the extra mile in exertion.

6. When the summer’s heat is too much to bear, by all means, use your vehicle’s air conditioning. If, however, you are fine with the windows rolled down, turn off the A/C. Note: this only proves fiscally advantageous on city roads; open window driving on the highway only increases general vehicle resistance liability and motor effort, necessitating an overdose of gasoline usage.

7. Avoid unnecessary loads in your car, as the extra weight keeps your car running hard along with the need to use more fuel.

8. If you can circumvent the busiest motorist time on the road, by all means, do so. Rush hour driving, with all the stopping and going, takes a toll on your gasoline levels.

9. Carpooling is the sensible thing to do – especially when there’s a group that is going to the same business or school location day in and day out. Not only will you save on gas, but also on the wear and tear of everyday automobile usage and accident or collision risk.

10. Instead of driving everywhere, try incorporating healthful walking and biking. You’ll be doing your physical well-being a tremendous favor, as well as your gas tank!

Cheap Full Coverage Auto Insurance Guide: Learn About Different Options and Where to Find Good Rates

No matter which state you live in, you’ll be required by law to have at least some sort of auto insurance. The basic requirements vary from one state to the next, but essentially you’ll need enough coverage to help pay for any damage or injuries you might cause others. What if it really isn’t your fault, though? What if you wind up in the hospital yourself? Or what if you don’t have enough money to pay for having your own vehicle repaired? The best thing to do is try to find cheap full coverage auto insurance.

Check out different quotes to see how you can get a deal on comprehensive and collision insurance. There are many sites that allow you to look over various policies. You’ll likely have to enter in some personal details, like your age, state, car model and make, and how long you’ve had it. There are obviously going to be some factors that affect the types of rates you get, from your driving record to your credit rating. The higher “risk” that you are, the higher the rates you’ll get.

Try to find coupons and special discounts wherever and whenever you can. Auto insurance discounts usually come in three types: ones based on your policy, for car safety features, and for being a good driver with a clean record. The rates tend to be higher for younger drivers, as they are considered higher risk when compared to older, more experienced drivers.

Adult Drivers Can Get Cheap Full Coverage Auto Insurance

However, even if you are an adult driver who’s had your license for years, you still might have difficulty obtaining cheap full coverage auto insurance if your record isn’t the cleanest. Carefully look over the “Discounts” page of a car insurance company’s site to see if there is any type of savings you might qualify for.

There is no rule that says you have to get vehicle insurance by one of the major companies. There are many small companies throughout the country that offer decent rates. With the smaller providers, you can get a more personalized experience as well.

Think about your own limits and deductibles. If you are financially comfortable, then it’s probably okay to opt for a higher collision / comprehensive deductible. Raising the deductible obviously means that you’ll get cheaper insurance, whether you pay for it monthly or annually.

It goes without saying that you should ALWAYS read reviews and comments about different insurers when comparing rates. One place that’s been getting plenty of reviews these days is esurance. There are tons of cheap full coverage auto insurance esurance discounts that you might quality for.

Cheap Comprehensive Car Insurance

Once of the important choices, you need to make when researching the right policy, is whether or not to add comprehensive insurance. This extended coverage is also referred to as “full cover insurance” and provides a greater level of vehicle protection. Let’s take a close up look at the definition first. Comprehensive insurance is coverage for damage that’s been inflicted to your vehicle that’s not connected to an automobile collision.

The things covered can be quite broad but also very rare in some instances. Here is a short list of the most common comprehensive claim occurrences.

* Vehicle Theft

One of the main reasons people buy this type of insurance is protecting the value of their car, in the event it is stolen. Automobile thefts are escalating and not just for expensive luxury cars. Take a look at the top 10 most stolen vehicle list, and you will see Honda Accords, Civics, and even the Toyota Camry. If you park your car on the street in an urban area, you should strongly consider adding full cover auto insurance on your policy.

* Glass Breakage

Have you ever cruised behind a dump or garbage truck only to have something come flying at your windshield at 60+ MPH? Probably so and for many people, it happens every year or two. This is yet another reason why comprehensive ins might make sense to you. Under this plan, if your windshield is busted, you can get it replaced. You will have to pay a deductible, though.

* Animal Damage

Believe it or not, thousands of automobiles get hit by animals each year, hard enough to cause vehicular damage. Even large dogs can strike a car and cause dents, not to mention a 600-pound deer. If you live in an area that has lots of wild animals, consider getting comprehensive protection.

* Weather Events

There are numerous weather related things that could inflict damage to your car. A flood might completely ruin your car’s electronic system, or a tornado might pick it up in the air and completely total it. Even a mild windstorm can cause heavy branches to fall and hit your vehicle, causing severe damage.

* Vandalism

Some people do nasty things, and this includes vandalizing other people’s private property. This can be tire damage, “keying” or even smashing your vehicle due to rage. This is why it’s always important to not only get enhanced insurance if you can afford it but always garage your car in a secured area.

Mandatory Comprehensive Auto Insurance

There are some situations where you may be required to get comprehensive ins. The main one is if you’re leasing or financing a car. Lenders need to protect the value of the loan amount they’ve invested, and they do this by making this enhanced coverage mandatory. Also, even if you pay for your car in full, if it is worth more than $25,000 you should probably get full cover ins.

Another fact worth noting is many insurers will not let you buy comprehensive insurance unless you first add collision onto your policy. These 2 types of coverage go together and provide excellent protection for almost anything that can happen on and off the road.

How to get Cheap Comprehensive Car Insurance

Although this type of insurance is more expensive than “bare-bone” liability plans, there are a few helpful tips that can bring your

costs down quite a bit. The first thing you should do is get a higher deductible. Many people think it should be low, like $250 or $500. Raise it to $1,000, and you can save about 10% or even more. Another tip is to bundle all your cars together and save another 5% to 10%.

10 Mistakes to Avoid When Buying Car Insurance

Shopping around for the best deal on car insurance isn’t just about selecting the company with the lowest costs. While price is always going to be a factor, buying the right type of coverage from a company that is right for your specific needs is more important. If you get it wrong, you may end up with a policy that provides either too little or too much coverage.

Here are the top 10 mistakes to avoid when choosing car insurance:

1. Not getting enough coverage: If you only focus on price when shopping for car insurance, you’re liable to purchase a policy that saves you money in the short-term but doesn’t provide adequate protection when you need it most.

2. Not knowing your policy: Take the time to thoroughly review a policy before you buy it. Most insurance companies will walk you through every aspect of your policy before you sign anything, but it’s ultimately your responsibility to know what’s covered and what isn’t.

3. Not receiving all of the available discounts: Most car insurance companies offer discounts for being accident-free and for having safety gear like anti-lock brakes, air bags, and automatic seat belts. Remember to ask about all of the available discounts and which ones apply to you. You may be surprised by how much money you can save.

4. Not having a good credit rating: Many car insurance companies check your credit scores to evaluate the risk of insuring you. If you don’t protect your credit rating, you may have to pay higher premiums.

5. Not bundling other insurance. Insurance companies typically offer discounts for combining homeowners insurance or renters insurance with your car insurance policy.

6. Not opting for a higher deductible: Agreeing to pay a higher deductible typically reduces the cost of your premiums. Unless you get into an accident, you can save a significant amount of money on your car insurance every year.

7. Not getting everything in writing: What happens if you are quoted one amount but then receive a bill with a different number? Never commit to a car insurance policy until you understand all of the details, and then make sure you get the terms and conditions of the policy in writing. This will minimize confusion in the event of a claim.

8. Not getting the most sensible coverage for all cars: It may not be worth it to buy collision or comprehensive coverage for an older car if the cost of the premium far outweighs the car’s value. Also, keep in mind that a second car or a collectible car will typically have a different rate.

9. Not being honest: Another common mistake while shopping for car insurance is failing to disclose all previous claims, tickets, and accidents. If the company finds you have been dishonest about your driving record, it can deny you coverage or raise your rates.

10. Not getting a new quote every year: Your driving patterns may change and your insurance company may change its rates as well. Take a few minutes to check-in with your agent to see if you can make any cost or benefit changes.

Learn more about buying the right type of car insurance for you and your family by visiting http://www.KellyWilliamsIns.com or calling 562.498.8661.

The Basics Surrounding Insurance Claims and Coverage for Car Fires

If your car catches fire, there are some things you need to know about insurance coverage and the claims process. Since there are different scenarios that can cause a car to catch fire, you can expect to come across different limits of coverage and procedure for each. Continue reading to learn some basic information about car insurance claims and coverage in the case that a vehicle is burned down in a fire.

Car fires will clearly do a lot of damage to a vehicle. In most cases, cars are rendered a total loss after an engine or chassis fire. Fortunately, most insurance policies offer additional coverage for fires. This is called “comprehensive coverage”, and it will cover damages caused by a fire regardless of how the blaze occurred. However, this type of coverage must be purchased before a fire occurs. Some of the most common causes for automotive fires include car accidents, engine fires, garage fires, and arson.

Motor Vehicle Accidents

Motor vehicle accidents are one of the most common causes for car fires. Serious vehicular collisions and accidents can damage fuel lines and fuel tanks, which leads to gasoline leakages. A tiny spark from metal colliding together is all it takes for combustion to happen. This is often the reason why fires break out after a car accident.

In terms of insurance coverage, the answer can be complex. Depending on how the blaze occurred and the parameters of your coverage, the damage could fall under comprehensive or collision. It is necessary to discuss this with your insurance adjuster to learn the details pertaining to your particular policy. If you do not have collision coverage insurance, there is still a possibility that it could be covered under comprehensive.

Garage Fires

In the case of garage fires, which are more common than you think, vehicles can experience a severe amount of damage. Most of the time, they are rendered totaled. Because garage fires are commonly caused by a household hazard or malfunction, people tend to assume that homeowners’ insurance will cover the damages to their vehicles; but the truth is that homeowners’ insurance never covers vehicles. Instead, cars damaged in garage fires are only covered under comprehensive coverage.

Engine Fires

Engine fires generally result in a total loss vehicle. That is because the cost to purchase and install a new engine is often close to the actual cash value of the vehicle. In this case, comprehensive coverage will cover engine fires. However, it is important to know that car insurance policies do not typically cover mechanical defects inside car engines. Fires are the exception to this rule. Whether a vehicle is a total loss or not, a car insurance policy will likely pay the actual cash value of the vehicle minus the owner’s insurance deductible.

Arson

There’s not much to say about the criminal act of arson, except that it does happen to vehicles and the damages can be covered by car insurance policies. Comprehensive coverage covers vandalism, so if a vehicle is intentionally set on fire, the damages are covered so long as a police report is made.

Sell a Totaled Car for Cash

If your car is damaged in a fire, you likely have a total loss vehicle on your hands. Sell your totaled car for cash on the spot to a local junk car buyer. They will pay you cash for the actual cash value of your vehicle. This is sometimes more than what you can get from your insurance company!