The Most Infamous Myths About Auto Insurance

In every industry, there are myths that have been passed along as tradition. The auto insurance industry also has its share of some interesting facts that have been passed down from business to business. Believing these kinds of information, especially for the uninitiated and newbie car owners, can lead people to buy plans that are not right for their needs or plans that will cost them more than what is appropriate for them. It is important for car owners to be equipped with the proper knowledge about auto insurance to get the best value for every penny that they spend. Here are some of the most popular myths, and we will see if these myths are real or just plain hearsay.

 

Red Cars are More Expensive to Insure

 

Many people believe that red cars cost more to insure than cars of other colors. However, even the newest auto insurance agents will tell you that this is not true. While red cars really look more expensive and classier, they cost the same compared to a black, blue, green, or whatever color the car is. So, you can choose that sweet red sedan anytime that you want and have it insured without paying an additional cost for its color.

 

You will Get the Best Deals from an Agent Hired by an Insurance Company

 

It is true that agents from insurance companies receive training and certifications, however, it is not true that you will the best deals and the lowest rates working with these guys. It is always best to get insurance quotes from different insurance agents, especially independent ones who work for different insurance companies. Most of the time, they know the best deals from insurance companies and can give you a comparison of great insurance policies that will fit your needs and budget.

 

These are just some of the widely known myths from the auto insurance industry. You will hear more especially when you talk to other insurance agents, but it is wise if you will get for other opinions regarding your concern and check the authenticity of the information that you’re getting. Learn more insurance myths by following the link that we provide.

3 Things to Remember When Choosing an Auto Insurance Plan

When choosing an auto insurance plan, most new car owners might get overwhelmed by the amount of information that they need to understand and memorize to get the most out of their money. That is why there are insurance companies. Most of these insurance providers have agents walking you through the whole process of getting the best car insurance for your need, however, you will be better off to know some things about how the plans and coverages work. This way, you will get the best value for your money and you will be able to maximize the plans that you choose. Here are the 3 things that you need to remember when choosing an insurance plan for your car.

 

Compare Plans Offered by Different Providers

 

Believe it or not, while most of the insurance companies offer same types of insurance plans, there are major differences between them. Most of the differences in these plans can in terms of the coverages, the plan limit, or the benefits that you can get in each of those insurance plans. It is a good thing to consider comparing the plans that are offered by different companies to see which one is suitable for your needs and budget. Most of these insurance plans cover the basic things that you need, while there are some extra perks that you can get if you know what to look for.

 

Look for Providers in Different Channel

 

Auto insurance works quite differently compared to health insurance. Most of the time, you will get your health insurance from the partner provider of your company. However, when it comes to auto insurance, you are on your own. You need to learn all the things about auto insurance and research the best insurance provider that can provide what you need. Fortunately, there are different channels that you can use to find these providers. The best place to start your research is on the Internet. Most of the reputable insurance companies have websites that you can visit, and all the information that you need is already included in the form of brochures and PDFs. You can also search various marketplaces that insurance companies use to sell their product.

 

Never Spend Too Much Money on Insurance

 

Auto insurance plans protect you from financial losses in case of accidents, and we know that the protection that you get from these plans is invaluable. However, you do not need to spend too much money on an insurance plan. For example, when choosing a personal injury protection policy, you also need to consider that you already have a health plan which will cover most of the expenses in the event of an accident. All of the plans and policies that the companies will offer to you will really make sense, but you have to be wise and know what you really need. Besides, insurance plans do not cost as cheap as some unblocked games, and most of them can be expensive depending on your budget. So, choose wisely and learn to follow tips to save money on insurance.

Basic Auto Insurance Coverage Guide

Each state has different auto insurance requirements, and there are various options that consumers can choose from when they are looking for the best car insurance coverage plans to get. Being insured lets you protect your assets and your family, and it is not hard to understand why this industry has been on the rise these past few years. The importance of safety is always a priority for most people, and auto insurance plans can give you a sigh of relief whenever accidents happen. You can never be sure when a disaster will strike because people are now more distracted on the road because of the proliferation of arcade games that they can play while driving.

 

When choosing an auto insurance plan and provider, there are some things that you need to consider before getting one. Aside from the state compliance that you and your provider need to adhere to, you also need to consider your needs and the money that you are willing to spend for the protection of your assets. In this article, we will provide you with some basic information about the different kinds of insurance coverages that you can get so you can decide which one is the best for you.

 

Personal Liability Insurance

 

This insurance type is the most basic of all auto insurance plans. It basically protects you financially whenever you get into a car accident with other people. Personal Liability Plans work by covering the damages incurred whenever you crash your vehicle into another person or property. While the limit for plans of this insurance type differs in each state, the ones that are offered to you are always the maximum limit that you can get for this kind of auto insurance plan.

 

Comprehensive Coverage

 

While most of the insurance plans available protect car owners from accidents, there are some circumstances that are unavoidable and bring damage to you and your vehicle. Most of the time, these kinds of situations are not included in the coverage of basic auto insurance plans that you can get. This is where comprehensive coverage plans come into place. Comprehensive coverage plans cover situations that include damages caused by natural occurrences such as disruptive weather, accidents where no one can be held liable, and when your car is stolen. You can purchase comprehensive coverage plans on top of your current insurance plan for maximum protection.

 

Personal Injury Protection

 

In this kind of plan, you will benefit the most because this plan pays out for the injuries that you get resulting from car accidents. In the event that the policyholder obtains an injury that causes him to lose the ability to work and create a source of income, the policy will also pay for him. There are different limitations to this kind of insurance, and you have to contact your insurance provider for the coverage and the claims that you can make when you purchase this insurance.

Auto car insurance

What You Should Know about Auto Insurance Claims

Every day across the United States, drivers are involved in vehicle accidents. This type of incident can be scary for both the driver and any passengers that he or she has in the car. It is important for people to understand how to deal with accidents and the subsequent auto insurance claims that follow. Don’t be affected by Clash of Clans blasting loudly on your son’s MacBook that you drive down the wrong lane and get into an accident!

Never Leave the Accident Scene

Car accidents can be both minor and major. It is against the law to flee the scene of an accident where property damage has occurred. The first thing to do is to attempt to move the car to the shoulder of the road if the accident is minor. This helps to prevent anyone from getting injured as they exit the vehicle. The hazard lights should be on and orange triangles and flares should be set out to warn other drivers in advance that an accident is up ahead.

Next, the driver should check on any passengers and then go to the other vehicle if there is one and check on the other driver and their passengers. If anyone has any visible injuries or is in any pain then an ambulance should be immediately called to the scene. The police should also be called so that they can document the scene.

Compile the Evidence

When there is property damage or medical injuries involved, photographs need to be taken so that claims adjusters can help to piece together what happened. Every vehicle accident is different so it is important to have photographic evidence to see who or what caused the collision to occur.

Exchange Insurance Information

Each driver should exchange their insurance information with each other and the police officer who is writing the report. It is crucial to the insurance claims process that the information is accurate. Sometimes people who are at fault for collisions give out fake information to avoid getting into trouble with their insurance company. Make sure to ask for the driver’s license information and copy down the license plate number as well. Witness statements should be taken by the police so that they have a fresh eyewitness account of what events transpired before the incident.

Call Your Auto Insurance Company

The day of the event, individuals should call their insurance company to open a new claim. Adjusters are usually available most of the day and evening. It is important for people to do this quickly because hesitating can delay the process to collect compensation for any auto repairs or medical bills that need to be paid for.

A claims adjuster will issue the driver a case number. It takes about a week or two for the claim to be processed depending on the type of accident and the damage that was done. It is a good idea for individuals to build their own case file with copies of the documents that they receive. If the car cannot be driven, then a rental car is usually covered by insurance while the adjuster is working on determining the amount of compensation that the policyholder should receive.

Meet the Claims Adjuster

When meeting with a claims adjuster, people should tell the truth. People who lie often get caught which can lead to serious consequences. Even being ruled the driver at fault is not the end of the world. Accidents happen and in some states, there are no-fault insurance laws so even then insurance companies will pay out money to each driver regardless of their actions at the time of the collision. A settlement will be offered to policyholders at the end of the claims process. A person can take the settlement or appeal it if they so choose to.

Driving at night

How to Make Your Car Safer for Night Driving

According to research, traffic accidents occur more at night than during the day. Night driving has proven to be a challenge to many drivers around the world. This is because at night there is darkness and drivers depend on daylight for better visibility on the road.
Below is how to make your car safer for night driving.

 

Clean the headlights and taillights

The first step you need to do is clean the headlights, taillights and the indicators. To accomplish this well you need the following items: toothpaste, a rag, and water. Squeeze some toothpaste onto the cloth and proceed to scrub the headlights, taillights, and indicators. You can either use a circular motion or a back to forth motion. Once you have scrubbed the dirt off, you need to rinse the headlights, taillights, and indicators with water.

After rinsing, you should see the headlights, taillights, and indicators are clean and visible.

Clean your windshield and back window

You need a rag and a windshield cleaning solution. Start by spraying the cleaner on the windshield. Scrub lightly with the rag to remove dirt. Rinse with water to ensure the cleaning agent is gone. Wipe to dry. You need to always ensure that your windshield wiper fluid tank is always full with clean liquid.

After you have finished with the windshield, you need to clean the back window as well. This will provide visibility of drivers behind you.

Tweak the aim of your headlights

Headlights light the way during the night providing proper visibility to the driver. It is therefore important to have the lights properly aimed. This will enable the driver to see better at night and be able to spot obstructions early.

Turn your lights at medium beam at night

When driving at night, it is important to ensure that your lights are set at the medium beam. Setting the headlight full will reduce visibility for other oncoming drivers and may lead to an accident.

You need to also avoid flashing other drivers with full headlights signifying they lower their beam. This might lead also to an accident. While driving behind another driver at night, do not use high beam. You need to set them at medium mode so as not to distract the driver in front of you.

Have your car serviced

You need to have your car checked for any problems. Areas that need to be checked include the braking system, electrical system, wiper blades, spare tire and other areas. Having this done early will remove any problems that might lead you not to be in control of your car leading to an accident.

Have reflective triangles in your car

The reflective triangles are very important, especially during the night. In case of a problem with your car, you need to set one reflective triangle few feet ahead of your car and also set the other a few feet behind your car. This will warn other oncoming drivers. You can also carry a flashlight and a handheld car fire extinguisher just in case.

Kids in the car
Having sleeping kids in the car is a dream. But what if they are distracting you with their Clash Royale PC game? It can be very dangerous. As such, try to remove all electronics because the sound and visual backlight coming from the back seat may distract you – especially when you’re feeling already so sleepy at night!
how to safely cross train tracks in your car

How To Safely Cross Train Tracks In Your Car

Car Safety Tips for Railroad Crossings

Working trains are still very much a part of everyday life, despite the popularity of more modern forms of transit. When approaching railroad tracks, always be expecting a train whether you regularly see them or not. Train and car accidents are not overly common, but when they do occur they tend to be deadly. Remember that train cars are often wider than the railroad tracks and it will take a train much longer to stop than your vehicle.

Railroad crossings require drivers to pay special attention to all of their surroundings. As you approach the tracks, take note of the number, if any, of cars ahead of you. If there is a line, wait patiently for each car to cross the tracks and then begin your process. Be careful not to blindly follow the cars ahead of you as this could cause you to become stuck on the tracks. You don’t want to end up like someone on a wobbly subway surfers programme!

Approach all railroad crossings slowly and come to a complete stop approximately 15 feet from the rails. Look both ways down the tracks for any signs of oncoming trains. Gates, lights, and bells are typical warning signs you will see at a railroad crossing. Pay special attention to these warnings and do not ignore them. These warnings are mechanical and subject to malfunction so do not rely solely on them either. Be sure to keep your window rolled down as you examine the tracks so you can listen for the train whistle as well. All trains do not necessarily blow their whistle at every crossing, but it is a common practice. Now that you have thoroughly checked out the situation, look both ways down the tracks again.

If, after following the steps above, you have confidently determined there are no approaching trains you may proceed over the tracks. Cross the tracks slowly and continue monitoring the scene for any changes in the warning signs. Once you have started moving, don’t stop even if there is a change. If you are driving a manual shift vehicle you will want to use the highest gear your car allows you to use without shifting. Shifting gears while on the railroad tracks could cause your vehicle to stall.

Do not attempt to beat a train by speeding up and reaching the crossing first or crossing quickly as it approaches. The weight and speed of the train are more than you might guess and could be life-threatening. If you encounter a train stopped that is blocking the crossing, do not attempt to go around the train. Turn your vehicle around and choose a different route to take. If another route is not an option, look on the train cars for a phone number or company name. Call the company to let them know there is an issue and let your local police department know as well.

Crossing railroad tracks can be a part of everyday life that drivers take for granted. Use these tips when crossing to stay safe.

Car insurance

Tips for Making Hassle Free Car Insurance Claims

Tips for Making Hassle-Free Car Insurance Claims

Car Insurance claims usually exist and are made for two specific reasons. Firstly, a car accident can be quite expensive and without insurance claims, we would have to be fixing cars directly out of our pockets. On the other hand, whenever people are involved in a two or more car accident, it is sometimes quite difficult for either party to come to a conclusion about who was at fault. In situations like these, insurance companies, with the aid of police reports are able to mediate the situation and fix whoever car that qualifies to be fixed. This article will provide a brief illustration of the procedures involved in filing a car insurance claim.

Whenever the accident isn’t severe enough to involve the police, neither party goes to the police department, a report will be absent from the claim. As a result, it becomes your sole responsibility to get detail information about the accident and the credentials of the other party involved. For best results, however, it works to your advantage to have a police report filed. Because without one, it will end up being your word against theirs.

If you have a comprehensive car insurance policy, the insurance will usually fix your vehicle regardless of the situation. However, based on whatever information you provide (and police report if available), they will pursue the insurance of the other party for total reimbursement, if your insurance thinks they were at fault. If it is obvious that you were at fault, the worst that might happen to you is a hike in your insurance policy. Generally, when claims are filed, the insurance company exists to get the hassle out of the procedure and get you and your vehicle back on the road as soon as possible.

One a few occasions, your insurance company might not pay out to fix your car or the other party’s. This usually occurs whenever there are discrepancies in the accident claim or the policy itself. So, one must be extremely careful that the entire truth is being represented at the start when the policy was created and when the details of an accident are being recorded. For example, if you were drunk and fled the scene of the accident, misrepresenting that information in your report to the company gives them the right to deny your claim and void your policy.

In the case of a severe accident where people are injured, it is essential and possibly mandatory to have the police involved. In cases like these, word of mouth and witnesses will not be enough. However, documentation and signature from the relevant authorities will be necessary to substantiate your claim. There will be many instances where blame being tossed around and expenses covered, so either the insurance company involved will want the responsible party to stand the consequences. What if the accident was because your son was playing Mobile Legends on MAC laptop, distracting you with loud music? How do you reveal that fact for the police?

All these processes will be mitigated if one has comprehensive insurance. When filing a claim, this is what ensures that the insurance company fights on your behalf and or covers the damage to your vehicle. Comprehensive coverage is even more essential when your vehicle is damaged while unattended. In a situation like this, it is useless to file a claim without comprehensive insurance because the other party involved is unknown.