Two Top Car Insurance Questions
One of the top car insurance questions asked is:
"What should I do if my car insurance will not pay for a claim?"
Usually, they will. You may run into a dispute, however. This could be if the other driver's insurance company wants to say it wasn't their fault. Sometimes they try to get you to agree to admit you are 50% at fault for the accident. Additionally, there are certain circumstances in which the claim wouldn't be covered (if an uninsured person was driving your car).
The first thing you should do upon denial is check the terms and conditions of your policy. Then you should collect any pictures or witness statements for documentation. Go to the insurance commission of your state or the Insurance Information Institute. Here is where you can obtain arbitrators who will hear both sides of the story.
In the event that you are still unhappy with the way that the arbitration turns out, this is when you would decide to file a lawsuit. This is most definitely a last resort, and it is not recommended.
Another of the frequently asked car insurance questions is:
"How Can I Lower My Car Insurance Rates?"
There are several things that you should be aware of in order to get the lowest rate possible:
· Be sure to let the insurance company know about any anti-theft devices that you have installed on your vehicle. Also let them know about any added safety features such as airbags or daytime running lights. You may be able to get a discount for such things.
· One of the simplest ways to get a lower cost on your insurance premiums is to opt for the higher deductibles. Just make sure that your deductible won't be something that will be too high for you to cover in the event of an accident.
· If you keep your driving record clean, this will lead to lower insurance rates. This is a no brainer.
· Believe it or not, your credit rating actually affects your car insurance rates. If you keep up with all of your other bills, you will be rewarded with lower car insurance rates.
· You will get a discount if you purchase more than one policy from the same company. You could consider getting homeowners insurance, or insuring more than one vehicle.
· If you have any older cars with collision coverage, go ahead and switch to liability.
· You can also ask for low mileage discounts if you do not drive very often.
· Request additional discounts if you haven't had any moving violations for a year, if you have been a long term customer or if you are over 50 and retired.
Try to get at least three quotes in order to get a decent price comparison. When making your decision, compare policies as well as price. Also think about the reputation of each company, and try to find out how quickly they pay their claims.
If you have any other car insurance questions, all it takes is a search online, as there is a wealth of car insurance information on the internet!
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