Senin, 29 November 2010
Why is Car Insurance So Important?
The most important reason to have automobile coverage is due to the fact that the majority of states require that motorists either have an auto insurance policy in place or another form of financial responsibility while operating an automobile or even maintain registration. Failure to maintain valid policies can result in fines, suspension of vehicle registration and/or driving privileges and even possible jail time. Aside from the legal repercussions, the importance of being insured can also protect motorists from a number of risks and expenses that may arise from owning an automobile.
Kamis, 10 Juni 2010
Accident With Uninsured Drivers
You may think your auto insurance policy meets all of your needs, but does it also include uninsured drivers insurance? True, driving uninsured is illegal in most states, but that hasn’t stopped the rate of uninsured drivers on the road from climbing.
To look for affordable uninsured drivers insurance now, check online using our quick quote service for auto insurance quotes. Find a policy that includes an appropriate amount of uninsured drivers insurance.
According to recent reports for the Insurance Information Institute, uninsured drivers are 10 percent more likely to get into a vehicular accident with an insured driver. However, too many policy holders lack sufficient uninsured drivers insurance on their policy. If you are unfortunate enough to get into an accident, especially with an uninsured driver, typically the costs will fall on you and your insurance company. Even if it is the other guy’s fault.
Compare Auto Insurance Quotes
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What Uninsured Drivers Insurance Is
Uninsured drivers insurance is a way for you to financially protect yourself against a driver who lacks auto insurance or if it is a hit-and-run. Uninsured drivers insurance typically covers the policyholder, named drivers on the policy and any passengers in the car. Uninsured drivers insurance will cover any lost income due to the accident, damages, and medical bills if there are injuries. Compensation for pain and suffering is also covered by uninsured drivers insurance.
After The Accident: What To Do?
Best case scenario is that you were smart enough to get sufficient uninsured drivers insurance added to your policy before the accident. But if your policy doesn’t include uninsured drivers insurance, you should still file whatever claims necessary to see what your company will cover. Whether you do or don’t have uninsured drivers insurance, the financial responsibility will probably be on your side.
So what do you do if you are involved in an accident with an uninsured driver? Act quickly, stay calm, and don’t hesitate to do the following:
1. Collect all the information you can. You’re going to have to share this information with your insurance agent to fulfill any uninsured drivers insurance claim requirements. For your claim to be successful, the more information, the better.
* Write down the driver’s vehicle make, model, and registration number/license plate.
* Take down the driver’s name and address. However, don’t refrain from gathering other information (like the car’s registration number) for what the driver says is their name and address. If they’re not insured, they are probably going to be reluctant to indulge that information to you and may give you fake info.
* Write down any details you can about the car accident (or take pictures). This includes approximate speed of both cars, weather and environmental conditions, road markings, damages to both vehicles, injuries, etc. This is necessary to know how much your uninsured drivers insurance has to cover.
2. Call your insurance agent. Along with the police (and the paramedics, if someone is injured), the first person you should call is your auto insurance agent. They have experience dealing with uninsured driving insurance claims and accidents and will tell you what to do and look out for your best interests.
3. Talk to witnesses. If pedestrians on the street or a nearby shop owner happened to witness the accident, get their account of the event and include their names and contact information. Give it to your insurance agent when you make a claim on your uninsured drivers insurance.
Getting Uninsured Drivers Insurance
If you are unsure as to whether your policy includes or has enough uninsured drivers insurance coverage, contact your car insurance agent immediately. To find uninsured drivers insurance for a low rate, shop online now using our online forms for auto insurance quotes and policies.
To look for affordable uninsured drivers insurance now, check online using our quick quote service for auto insurance quotes. Find a policy that includes an appropriate amount of uninsured drivers insurance.
According to recent reports for the Insurance Information Institute, uninsured drivers are 10 percent more likely to get into a vehicular accident with an insured driver. However, too many policy holders lack sufficient uninsured drivers insurance on their policy. If you are unfortunate enough to get into an accident, especially with an uninsured driver, typically the costs will fall on you and your insurance company. Even if it is the other guy’s fault.
Compare Auto Insurance Quotes
Enter Zip Code
What Uninsured Drivers Insurance Is
Uninsured drivers insurance is a way for you to financially protect yourself against a driver who lacks auto insurance or if it is a hit-and-run. Uninsured drivers insurance typically covers the policyholder, named drivers on the policy and any passengers in the car. Uninsured drivers insurance will cover any lost income due to the accident, damages, and medical bills if there are injuries. Compensation for pain and suffering is also covered by uninsured drivers insurance.
After The Accident: What To Do?
Best case scenario is that you were smart enough to get sufficient uninsured drivers insurance added to your policy before the accident. But if your policy doesn’t include uninsured drivers insurance, you should still file whatever claims necessary to see what your company will cover. Whether you do or don’t have uninsured drivers insurance, the financial responsibility will probably be on your side.
So what do you do if you are involved in an accident with an uninsured driver? Act quickly, stay calm, and don’t hesitate to do the following:
1. Collect all the information you can. You’re going to have to share this information with your insurance agent to fulfill any uninsured drivers insurance claim requirements. For your claim to be successful, the more information, the better.
* Write down the driver’s vehicle make, model, and registration number/license plate.
* Take down the driver’s name and address. However, don’t refrain from gathering other information (like the car’s registration number) for what the driver says is their name and address. If they’re not insured, they are probably going to be reluctant to indulge that information to you and may give you fake info.
* Write down any details you can about the car accident (or take pictures). This includes approximate speed of both cars, weather and environmental conditions, road markings, damages to both vehicles, injuries, etc. This is necessary to know how much your uninsured drivers insurance has to cover.
2. Call your insurance agent. Along with the police (and the paramedics, if someone is injured), the first person you should call is your auto insurance agent. They have experience dealing with uninsured driving insurance claims and accidents and will tell you what to do and look out for your best interests.
3. Talk to witnesses. If pedestrians on the street or a nearby shop owner happened to witness the accident, get their account of the event and include their names and contact information. Give it to your insurance agent when you make a claim on your uninsured drivers insurance.
Getting Uninsured Drivers Insurance
If you are unsure as to whether your policy includes or has enough uninsured drivers insurance coverage, contact your car insurance agent immediately. To find uninsured drivers insurance for a low rate, shop online now using our online forms for auto insurance quotes and policies.
Minggu, 11 April 2010
Get Specialized Snowmobile Insurance Protection for your Snowmobile Request a Free Snowmobile Insurance Quote When it comes to property as specialize
Request a Free Snowmobile Insurance Quote
When it comes to property as specialized as snowmobiles, you need customized snowmobile insurance protection. We offer benefits tailored to your specific snowmobile insurance needs, along with excellent coverage and money-saving discounts.
Snowmobile Insurance
* Features
& Benefits
* Coverage
Basics
* Ways
to Save
Features and Benefits
Compare these features and benefits to see how the AARP Auto and Home Insurance Program from The Hartford measures up to your current snowmobile insurance protection.
Not all features and benefits are available in all states.
Lifetime Renewability
No need to worry about losing your snowmobile insurance. Once you become a policyholder, you are assured continued snowmobile insurance coverage as long as you’re able to operate your snowmobile and meet a few simple requirements.†
24/7 Hassle-Free Claim Service
When you have a snowmobile insurance claim, it’s good to know that your insurance company has the experience and know-how to make the claims process as smooth as possible. Rest assured – we’ll be there when you need us.
Additional Benefits to Customize Your Protection
Seasonal Use Protection
Do you store your snowmobile for several months out of the year? You can still get year-round snowmobile insurance protection, at rates that take into account extended times when your snowmobile is not being used.
Agreed Value Coverage
When you purchase this optional snowmobile insurance coverage, we will repair or replace your damaged snowmobile or pay an agreed amount if the snowmobile is a total loss.
† If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary operators of your vehicles must retain valid licenses, remain physically and mentally capable of operating a recreation vehicle, have no convictions for operating any vehicle, watercraft, machinery or aircraft under the influence of drugs or alcohol and must not have obtained your policy through material misrepresentation.
When it comes to property as specialized as snowmobiles, you need customized snowmobile insurance protection. We offer benefits tailored to your specific snowmobile insurance needs, along with excellent coverage and money-saving discounts.
Snowmobile Insurance
* Features
& Benefits
* Coverage
Basics
* Ways
to Save
Features and Benefits
Compare these features and benefits to see how the AARP Auto and Home Insurance Program from The Hartford measures up to your current snowmobile insurance protection.
Not all features and benefits are available in all states.
Lifetime Renewability
No need to worry about losing your snowmobile insurance. Once you become a policyholder, you are assured continued snowmobile insurance coverage as long as you’re able to operate your snowmobile and meet a few simple requirements.†
24/7 Hassle-Free Claim Service
When you have a snowmobile insurance claim, it’s good to know that your insurance company has the experience and know-how to make the claims process as smooth as possible. Rest assured – we’ll be there when you need us.
Additional Benefits to Customize Your Protection
Seasonal Use Protection
Do you store your snowmobile for several months out of the year? You can still get year-round snowmobile insurance protection, at rates that take into account extended times when your snowmobile is not being used.
Agreed Value Coverage
When you purchase this optional snowmobile insurance coverage, we will repair or replace your damaged snowmobile or pay an agreed amount if the snowmobile is a total loss.
† If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary operators of your vehicles must retain valid licenses, remain physically and mentally capable of operating a recreation vehicle, have no convictions for operating any vehicle, watercraft, machinery or aircraft under the influence of drugs or alcohol and must not have obtained your policy through material misrepresentation.
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