Insuranceoncars

Why This Lawyer Says You Should Buy Car Insurance From An Independent Broker

I don’t sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent broker.

Many of my clients who have been seriously hurt in a car accident were struck by someone who had no insurance or only the minimum liability insurance coverage, which is 25,000 in New York and much less in many other states. Unfortunately, many of my clients were sold insurance policies with liability limits of 100,000 or 300,000, but were not sold matching uninsured and underinsured coverage.

Just this week, yet another new client had this problem. My client was a pedestrian crossing the street when she was struck by a car which fled the scene. The driver was caught shortly after leaving the accident, but the owner of the car only has the New York State minimum liability insurance of 25,000 and my client has serious injuries consisting of many broken bones including a fractured arm, leg and skull.

My client owns a car with liability insurance limits of 300,000, but she purchased the insurance from GEICO whose salesperson didn’t sell her underinsured coverage. GEICO does not use independent insurance brokers, but sells insurance directly to consumers through in-house sales agents.

For a small fee, my client could have purchased underinsured coverage of 300,000 which would have allowed her to recover 300,000 for her injuries instead of 25,000. Ironically, she did not need the 300,000 liability coverage to protect her assets. However, since you cannot buy underinsured coverage higher than your liability coverage, I would have advised her to purchase 300,000 liability coverage for the sole purpose of being able to purchase 300,000 underinsured coverage.

I have had many clients in this situation who lost their jobs because of serious injuries and incurred substantial debt. If they had matching underinsured coverage, the additional money available to pay their claim would would be a big help to pay their bills and get their life back together.

Underinsured motorist coverage will pay you money from your own automobile insurance policy if you have been hurt in a car accident by someone who was negligent for causing your injury and who had less liability insurance coverage than you did. Uninsured motorist coverage will pay you when the other car did not have any insurance coverage or the identity of the other car is unknown.

Underinsured and uninsured coverage is inexpensive and usually available in limits that match your liability insurance coverage. It is not available in amounts greater than your liability insurance coverage.

Underinsured and uninsured coverage is so important that a couple of states now require coverage limits matching your liability insurance limits, unless you decline the coverage in writing. Several years ago, I suggested to several New York State senators that they enact a similar law in New York.

I have also seen many clients who were not sold the maximum medical payments insurance, which costs me only 2.01 per month on my car insurance policy. This is particularly important for people who do not have a good health insurance policy. It is also beneficial for passengers who do not have health insurance.

Why should you buy car insurance through an independent insurance broker? The courts have defined the reason. There have been several “malpractice” lawsuits against insurance companies for failure to offer underinsured and uninsured motorists coverage limits matching the liability limits. However, when the insurance company sells directly to consumers, these cases have gone in favor of the insurance companies. The courts found that when a consumer buys insurance directly from an insurance company, rather than an insurance broker, the consumer is only buying insurance and is not paying for advice.

When you buy auto insurance from an independent insurance broker who represents several different insurance companies, you get the advantage of an insurance professional who can evaluate your needs and advise you accordingly. Additionally, only an independent insurance broker can provide you with a choice of insurance companies and premiums, so you get the best coverage at the lowest price.

Whether you buy your car insurance directly from an insurance company or through an independent insurance broker, always make sure that you purchase matching uninsured and underinsured motorist coverage and the maximum medical payment benefits.

Tags: Broken Bones, Car Accident, Car Insurance, Geico, House Sales, Independent Broker, Independent Insurance Brokers, Insurance Company, Insurance Limits, Insurance Policies, Liability Coverage, Liability Insurance Coverage, Liability Limits, Minimum Liability, New York State, Pedestrian, Personal Injury, Salesperson, Sell Car, Sole Purpose

If you are an owner of a static caravan holiday homes you should consider insurance to cover the caravan as well as the contents. There are two levels of insurance for your static caravan; the static caravan itself and the contents within the caravan.

Insuring the static caravan will cover against loss or damage to the static caravan itself. The insurance can extend to a new for old policies were the caravan can be replaced with a new model should it be damage to an extent which is beyond financial repair. If this is the case some insurance companies will replace the static caravan if it is under 20 years old. The age under which new for old applies will vary from policy to policy. Some companies will only offer new for old for caravans which are less than 10 years old. It is worth checking with the insurance company to determine their exact terms of policy.

The content can be insured under a general policy where by a value is given to the entire content. If you have individual items which are valuable the insurance can also be taken out against such items to given suitable cover.

Below are examples of cover:
Replace new for old
Alternative accommodation costs
Debris removal and resiting costs
Fixtures and fittings
Public Liability
Fatal Accident

Consideration should also be given to the excess which applies to the policy as this will vary from company to company. Also check the policy details to determine the new for old cover and additional cover offered.

When obtaining quotes ensure you receive at least three, the more quotes you obtain the more likely you are to achieve good value for money. Getting quotes online can be a quick and simple method to obtain multiple quotes.

Tags: 10 Years, Accommodation Costs, Caravan Holiday, Caravans, Debris Removal, Extent, Holiday Homes, Insurance, Insurance Companies, Insurance Company, Insurance Cover, Money, New Model, Policy Details, Public Liability, Quotes, Static Caravan Insurance

Motorcycle riders often get an unjustified reputation as being reckless, risk takers, and that they generally disobey traffic laws. This perception is unfounded and there are many statistics that back up the fact that most motorcycle accidents are not the fault of the motorcycle rider, but that of another driver.

A major study conducted by the University of Southern California (USC) found that approximately three-fourths of motorcycle accidents involved a collision with another vehicle, usually a passenger automobile. It was also found that in the multiple vehicle accidents, the driver of the other vehicle violated the motorcycle right-of-way and caused the accident in two-thirds of those accidents. Further the study by USC found that the failure of motorists to detect and recognize motorcycles in traffic is the predominating cause of motorcycle accidents. The driver of the other vehicle involved in collision with the motorcycle did not see the motorcycle before the collision, or did not see the motorcycle until too late to avoid the collision.

These findings go to show that the motorcycle rider has unjustly received a bad reputation from the general public as well as from insurance companies that cover motorcycle riders. Motorcycles are inherently prone to accidents caused by other drivers because of their small size. Motorcycles easily fit into the blind spot of typical passenger automobiles. The truth is that most motorcycle riders are very good drivers and keep an eye out for motorists who do not see them. This awareness of other drivers however does not prevent all accidents.

When accidents such as these happen, the insurance company of the driver who is at fault will go to great lengths to keep from giving the motorcycle rider the money he or she deserves. Insurance companies will frequently rush the victim to make a quick settlement as a way to save money. Most people in the general public are not insurance experts and do not know if they are getting a bad deal from the insurance company or not. When a check is stuck in front of them it can be quite tempting to sign.

Taking the insurance companies first offer is usually a mistake. Other times the insurance company of the other driver will try to not pay at all for the accident and resulting injuries. They often try to make it appear that the motorcycle rider was at fault in the accident. It is not hard to convince a jury of this since motorcycle riders have this unjust reputation of being less than careful.

This is why it is critically important to have a qualified and competent lawyer on your side if you find yourself the victim of a motorcycle accident. A qualified lawyer will help make sure that you get the settlement that you deserve; a settlement that will cover your medical bills as well as paying for the damage to your motorcycle. Not having a lawyer to stand up for you will cost you more than just money, it will also cause you a great deal of headaches and heartache. Trying to fight an insurance company on your own, while at the same time dealing with physical injuries can be an overwhelming task.

A qualified lawyer is the only one who will be on your side in case of an accident. A lawyer works for you and only you. The insurance company works for their shareholders and will try very hard to keep from getting you the money that you deserve.

Tags: Bad Reputation, Blind Spot, Great Lengths, Insurance Companies, Insurance Company, Insurance Experts, Motorcycle Accidents, Motorcycle Madness, Motorcycle Rider, Motorcycle Riders, Motorists, Myth, Passenger Automobile, Passenger Automobiles, Risk Takers, Size Motorcycles, Southern California Usc, Traffic Laws, University Of Southern California, Vehicle Accidents

Everyone likes to save money! That fact is not a secret to anyone. When trying to save money on car insurance, a question that should be considered is, What will be the cost to me for saving money? This question is meant to help people realize that there is a difference between price and cost. While Company A may offer slightly lower or even much lower premiums than Company B, Company B may offer some services that you prefer, i.e. a local agent, 24 hour service, online service etc. These services may be worth the extra price to some people, and not for others. Thus, it is shown that services received may out-weigh the price paid.

Another factor to take into consideration is the quality of service you receive from an insurance company. While all auto insurance companies want you to believe that they are as good, or even better than the next company; that is simply not true. There are drastic differences in overall service, claim handling, and personality of individual companies. One company may offer exceptional claims service, but perhaps it is very difficult to actually get in touch with the companys claims department; while another company may have terrible claims service, but their claim department is easy to reach.

One must ask themselves, Is it worth paying lower premiums to receive a lower quality of service, or am I willing to pay a bit more to ensure that my service is exceptional? Dont misunderstand. Just because a company offers lower premiums, does not necessarily mean that companys level of service will be lacking. Great service can come at any price.

The most important item to remember while searching for lower premiums is to do your homework. Talk to your family, friends, and co-workers. Ask them where they are insured, and if they are pleased with their insurance company. Remember, not all insurance companies are created equally, for instance, a company that runs completely over the phone or internet will have different costs than a company that employs fulltime agents. That is because the cost of doing business is different for each of those companies. This brings the question again, What services do I value in my insurance company? Do I want the package Company A offers or that of Company B?

Low rate car insurance is in the eye of the beholder. Simply put, different services are worth different amounts to different people. So find the company with the services you desire and let the games begin.

Tags: Auto Insurance Companies, B Company, Car Insurance, Co Workers, Company B, Family Friends, Friends And Co, Homework, Individual Companies, Insurance, Insurance Company, Personality, Premiums, Quality Of Service, Saving Money

Everyone who owns a car needs auto insurance. This article will give you some tips on lowering your auto insurance costs. You will find a checklist of items to ask your insurance agent that may qualify for discounts. Keep in mind that not all discounts can be applied with all insurance companies in all states.

1.Shop Around

Go to your favorite search engine and type in “free car insurance quotes online”. You’ll see a long list of insurance companies that you may even be familiar with. Visit at least five car insurance websites and look for a link to free quotes. You will then be asked basic information about yourself, your driving history, and your car’s make, model, and year. It just takes a couple of minutes, and shortly thereafter, they will email you a no obligation quote. Write down their website address, their toll free number, and customer service email address.

Each insurance company will ask you generally the same questions, and will give you options about how much coverage you will want. Find your current policy, if you have one, and take note of the coverage you currently have. Always provide the same information and ask for the same coverage at each company so you will be comparing apples to apples. Read the fine print and make sure nothing is excluded from the quote like Rental car coverage, towing, medical, etc…

For the purposes of the quote, the insurance company will not ask you your social security number, but keep in mind your actual cost maybe higher or lower depending on your credit history. If you’re not sure about some of the terminology or coverage, take notes so that you can ask the insurance company about them directly.

Once you have at least five quotes emailed to you, take the lowest two or three quotes and see if they are less than what you are paying now. Most likely at least one of them is much lower. At this point you will want to call them directly to get the most accurate quote by providing additional personal information. For additional discounts, here is a checklist of things you should ask about.

[ ]500 deductible

[ ]1,000 deductible

[ ]Paying monthly, semi-annually, or annually

[ ]More than 1 car

[ ]No Accidents in 3 Years

[ ]No Moving Violations in 3 Years

[ ]Driver Training Courses

[ ]Defensive Driving Courses

[ ]Anti-Theft Devices

[ ]Low Annual Mileage

[ ]Air Bags

[ ]Anti-Lock Brakes

[ ]Daytime Running Lights

[ ]Student Drivers with Good Grades

[ ]Auto and Homeowners Coverage with the Same Company

[ ]College Students away from Home

[ ]Long-Time Customer

[ ]Other Discounts

2.Saving Insurance Premium on cars you own outright.

If you own a clear title to your car, meaning there is no bank loan on it, then you may want to consider dropping the collisioncomprehensive coverage. As a rule of thumb, if the cars value is less than 3000, it may not make sense for you to pay for this additional coverage. Over time, the cost of the additional insurance premium will exceed the value of the car. It’s pretty simple math.

Check the fair market value of your car either through Edmunds.com or even your local newspaper. See what other people are trying to get for the same car. Keep in mind your cars mileage, condition, and age. Has it been in an accident before? Does it have unusually high mileage in excess of 15,000 miles per year? Does it need new tires? You get the idea. Be realistic, because in the event that this car is in an accident and is damaged beyond repair, it is unlikely you will get the full value of the car.

3.Ask About Insurance Rates in Different Areas

Rates can vary widely even in the same state. Different locals have different accident rates, population, and crime. These all factor in to the final cost. If you are moving to a different area, ask about what the rates are for that town.

4.Ask About Getting Other Insurance Policies Together With Your Auto Insurance

Combining insurance policies with the same company can often give you additional discounts. If you own a home, ask about combining your homeowners insurance with your auto insurance. Also ask about other polices, such as life, health, and business insurance. Most insurance companies cover a wide range of policies and will give substantial discounts when you do business exclusively with them.

5.A Clean Credit History Can Reduce Car Premiums:

Having good credit can also lower your insurance costs. Many insurance companies will use credit information to price auto insurance policies. Drivers with good credit and a clean driving record may qualify as a “preferred” customer with lower risk and will be rewarded with lower premiums.

6.Low Mileage Discounts

Some companies offer discounts to drivers who drive a lower than average number of miles per year. If you car pool, take public transportation like the subway, or work from home, you will most likely drive few miles per year than the average driver.

7.Group Insurance

Some insurers offer discounts to drivers who work for certain companies or belong to professional associations, and alumni groups. Ask your employer, group or clubs that you belong to if they have any special arrangements with different insurance companies.

Using all of these tips can save you hundreds of pounds per year, especially when you have multiple cars and multiple drivers in the same household.

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All about saving on you insurance premiums..

Look4insurances.co.uk
helps you obtain Cheap Insurance Quotes Online:
APPLY ONLINE for an Insurance Quote
Getting a car insurance quote online in the UK can save you a lot of money on your auto insurance. The process is simple, quick, and extremely convenient. All you need to do is to fill out a simple quick quote provider form, submit it, and the online insurance company will do the rest and generate your car insurance quote within minutes.
On top of that, you can also obtain multiple online quotes in the UK from various different insurance providers, allowing you to make comparisons between them, all these within the privacy and comfort of your own home. . . . . . . .

It is an established fact that the reason most people in the UK and other parts of the world overpay on their insurance policies is due to a lack of shopping around. You should always Compare Car Insurance to find you the best deals as well as Cheap Car Insurance.
Online car insurance quotes prevent this from happening. With online quotes, consumers also have the freedom to start, save and complete their insurance applications according to their convenience. In addition, a single application usually contains several free online quotes, so that you don’t have to be worried about the cost associated with receiving multiple car insurance online quotes in the UK.

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Cheap Car Insurance For Teens How To Keep The Rates Down

The teenager shopping for car insurance is at a decided disadvantage. Car insurance rates are based on age and driving experience as well as driving record. The best way for teenage drivers to work their way into better rates is stay on their parents policy in order to gain driving experience and a driving record. There is a good chance that after three years and a clean driving record that a preferred policy from the parents insurance company can then be issued on the teen drivers that want to have their own car and pay for their own insurance. There are numerous discounts for the young driver today. Drivers training education is the most common discount. The drivers training course normally consist of 30 hours of driving with an authorized instructor along with 6 hours of classroom work. Some companies give discounts for good students that carry a 3.0 grade point average in high school or college. There is also a resident student discount available by some insurance companies. The student has to live over 100 miles away from home to receive this discount.

Age Rating Tiers Most insurance companies have age rating tiers on young drivers. The ages from 16 to 21 is one tier and the rates are the highest in this time period. The next age tier begins at age 21 and ends at age 25. The rates drop significantly at age 21 and again at age 25.

Vehicles Make a Difference The younger the driver the higher the rate. The rates are very high for young drivers on newer vehicles that require collision and comprehensive coverage. Older vehicles that only require liability coverage as a minimum state requirement is one way to cut costs for the teen driver. Utility vehicles like pick-up trucks receive a small discount and the teen driver can take advantage of that discount also. The teen driver needs to stay away from high performance vehicles and sports cars because the rates will be very high and these cars may not qualify for standard car insurance.

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Cheap Car Insurance 7 Tips To Reduce Your Car Insurance Costs.

With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?

Everyone knows that car insurance companies are not all equal. Cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.

So if you have found a discount car insurance broker dont just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.

And theres ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.

7 Cheap Car Insurance Tips

1.Look at your deductible amount. This is the amount that you pay first out of any claim. The cost of your policy is directly related to this amount. Many people, particularly those who have had their insurance policy for a long time, have never considered whether they ought to vary their deductible. If you have a good driving record and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible.

2.Have a look at the type of car you drive. Certain types of cars attract higher car insurance rates. Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.

3.Drive carefully. Although it sounds a little trite to say it, your car insurance cost is a factor of your risk profile. You wont get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.

4.Considering installing safety and anti theft devices in your car. Again these affect your risk profile. If you have a car that is safer and less at risk of theft it should be cheaper to insure. And if you have a car with certain safety devices now check that your insurance company is aware of these, if not tell them.

5.6.Have a look at who your other insurers are. Many insurers offer a discount for multiple policies. If you insure your house with a certain company then ring them up and find out if they do car insurance. Get a quote from them. Find out what discounts they offer.

7.Find a good online discount car insurance broker before renewing. The internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Dont just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.

So if youre in the market for cheap car insurance theres some ideas for you. Dont just accept that car insurance is always prohibitively expensive, get out there and do something about it.

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Like many people buying car insurance, you shop around and buy online. Youve found a really good, cost-efficient deal. So when it comes to the final checkout, do you choose to tick Yes or No in that Legal Expenses Cover box? It will add a little more to the total, and its not an absolute requirement, so you may be tempted to leave it out. Not least because its definitely not the most well-known part of insurance! It is, however, something we think you really should consider adding if its not in the policy as standard. And heres an example of why:

Earlier in the year Jake, one of our freelance writers, was involved in a car accident. His Golf Mark I is his pride and joy, and hes spent many happy weekends working on it. So naturally, he wanted total insurance coverage for every eventuality even legal expenses.

This certainly proved to be the right decision after the accident. The car was hit from the rear, so some of the vehicle damage could be fixed. The insurance company worked fast to deal with the claim. Unfortunately, Jake also suffered a broken wrist and some whiplash. If he hadnt taken legal expenses cover, the bill for a solicitor to pursue his compensation claim would have been solely his responsibility. Fortunately, since he had the cover, Jake was able to get his compensation quickly. Working as a freelance writer, Jake doesnt have the safety net of employer sick pay. Lost hours mean lost money. Jake was out of work for a month and a months wages. With legal expenses cover, however, Jake was able to claim for loss of earnings and will receive compensation for them any day now.

The total cost of this peace of mind and earnings security? An extra 2 a month on his premium, surely a worthwhile investment for anyones money!

Fully comprehensive car insurance ensures that your vehicle is well taken care of, but how about the driver? Jakes accident was not his fault, but he had to spend a month off work. Without legal expenses cover, the cost of getting compensation would have fallen to him. With it, he was as well protected as his beloved car, and didnt have to worry about being able to afford to make a claim.

Take another example of a typical accident: you are unharmed, but your car has to wait in the repair shop for two weeks while parts come in. Without replacement car hire as part of your insurance deal, you will have to rely on public transport not the reason you bought your own vehicle! With legal expense cover, you can use a hire car and know that your trouble and inconvenience will be compensated.

All you need to do when you claim on your legal expenses policy is to provide the accident details in the same way you normally would all the paperwork will be taken care of for you. Its possible that you may need to speak to your solicitor, or appear in the stand in the event of the case going to court, but you wont ever have to pay any legal fees.

And the cost is low, sometimes even free. Admiral include it as standard. Most insurers do make a charge, but it averages around 20 a year for example, More Than charge 17.85, and Budget add an extra 24. Consider the legal battles that have resulted from accident claims in the past especially those where serious injuries and claims were involved. Compensation and costs can run into millions. No-one can doubt that in cases like these, legal expenses cover is a worthwhile addition to any policy.

So next time you buy car insurance, make sure your policy includes legal expenses cover. Take it as an extra if its not part of the standard package. Youll barely notice the extra cost, but youll certainly be aware of the benefits if you ever need it.

Tags: Absolute Requirement, Buying Car Insurance, Car Accident, Compensation Claim, Comprehensive Car Insurance, Eventuality, Freelance Writers, Insurance Company, Insurance Coverage, Legal Expense, Legal Expenses, Loss Of Earnings, Peace Of Mind, Pride And Joy, Right Decision, Safety Net, Sick Pay, Solicitor, Whiplash, Worthwhile Investment

Getting car insurance can be quite a difficult task. There are just so many insurance companies out there that are desperate to get your business that choosing between the good deals and the dubious deals can be daunting. But since taking out insurance is such a crucial and important thing to do, you have to wonder if getting the cheapest insurance you can afford would be the best idea.

Because of the fierce competition in the insurance market, premiums have been falling, which is good news for those shopping for car insurance. It is prudent to bear in mind however that price is not the most important part of your car insurance deal!

What you should look to achieve is lower premium payments in order to ease the burden of paying insurance. This can take a great deal of time especially when it comes to comparing the different insurance companies and what they might offer. However there are a number of things you can do to improve your chances of success.

Shop around. Each insurance company offers different setups sometimes differing so drastically that attention to detail is a must. You can ask for quotations from these companies so that you can compare them with regards to the prices and packages they offer. An easier step would be to visit websites that list insurance companies offering affordable insurance packages.

Keep a good clean driving record. If you can show that you are a good driver then insurance companies will consider you a low-risk candidate, and thus will have lower accompanying premium rates

One great way to lower car insurance premiums is by installing a number of additional safety devices or features in your car. Some insurance companies will automatically lower premiums if they see anti-theft devices, automatic seatbelts and airbags.

Creative mathematics can also bring your car premiums down. Ask for higher deductibles on your car insurance policy. By increasing your deductibles you can lower your premiums from between 15 to 20 per cent. Just make sure that you can shoulder the difference!

If you own a second hand car or an old model car, ask to reduce its coverage. A car whose cost is equivalent to less than ten times the premium that you pay for a comprehensive coverage is not a good deal.

You can actually ask for more discounts from insurance companies. A number of discounts can be requested like lower rates if the car has a low annual mileage. There are also companies that grant discounts if you show proof that you have taken a defensive driving course. Passing an advanced driving test can also be used to ask for a discount.

Your profession can actually give you a better deal than you think. Ask around if your particular profession can be considered as a low-risk group. Insurance companies have a list of professions that are grouped between low risk and high risk. Low insurance risk professions are awarded with lower insurance premiums.

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