frustrated asked:


I had an accident in august 2006. a lady crossed the center line and hit me my insurance company would not even start the work on my car w/o my deductible. Now i’m trying to go through hers and i’m getting the run around, I have been quoted 3 different prices from 3 different people at the company. Then I get the papers to sign and the price has changed again. Can someone please HELP, I don’t know what else to do.

The car that you have bought after so much so efforts and by collecting money from here and there will obviously be very dear and valuable to you. So, what do you think should be done to protect your car or any auto that you have? It is quite essential to take care of your auto by yourself and apart from that you should get your car insured. Auto insurance is the right thing and you should never avoid getting it. So, go for all the deals available in the market and pick up a cheap auto insurance policy for you. 

These auto insurances will help you and provide you compensation for any kind of damage or loss of the car. Not all but when your car will be damaged due to fire or any other natural calamity or if your car gets stolen then you will receive compensation for that. So, you will at least get the money back and repair or buy a new auto for you.

For getting the cheap deal in such insurances you can search in the online sites. The online insurance companies use to be quite fast responsive and hence, you will face no disturbance in that. Even if you are a first time user, you will be guided very well and by comparing all the deals a good deal can easily be achieved. However, everything can be done by the internet only and you will not have to rush to the insurance company for that.

So, without wasting time and energy you will be able to protect your auto very easily. However, you have to see that the premiums should not be too high and there should be no hidden charges. Reading the terms and conditions properly will let you get the best and cheap auto insurance deal easily.



By: Amy Gordon

About the Author:

cait_babyblues asked:


I got in a small accident and was issued a check from my insurance co. My family is really short on cash right now and we were thinking the best thing to do is leave the damage on the vehicle and spend the money on food. Is this possible? Can I cash a check with my Lienholder (who is my bank) on the check aswell?

You get in a wreck and find your car insurance won’t cover you. What happened? If you were conducting business and you were not carrying a commercial policy, you could be in danger.

So, if you are a business owner, following up with the type of auto insurance you have is critical as you and your business could end up being liable.     To start, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether or not you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many questions about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While major auto coverage is the same, a business auto policy differs in many technical respects. For instance, if you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. So are you safe?

Here are some examples of ways you may get into trouble without a commercial policy:

•    Pizza and newspaper delivery;

•    Catering;

•    Door-to-door consulting services;

•    Landscaping or snowplowing services

•    Day care/church van services.

•    Real Estate Agents

If your business uses a vehicle, or many vehicles, you will want to ask your insurance professional some important questions such as:

• What are my liability limits? In general, a commercial auto policy can offer higher liability limits. Larger vehicles, such as delivery vans, can cause more damage than passenger cars.

• Does my personal policy cover me for issues specific to my business? For example, if you have a trailer that damages another vehicle while on a job, a personal liability policy may not cover the repairs. A commercial policy will.

• Do I have employees who drive my vehicles? In general, if other people drive your vehicles for work, you need a commercial auto policy.

You also need a commercial auto policy if your vehicle hauls tools or equipment weighing more than 500 pounds, makes deliveries or requires filings for interstate for for-hire trucking businesses.

Once you have taken all of the above into account, you can rest better at night knowing you are fully protected and no assumptions have been made.



By: gregchapman

About the Author:

Alexandra B asked:


I’ve been involved in an accident and the other person agreed to reimburse the entire expenses. I know the person before the accident happened. I called the insurance agent to withdraw the claim and the insurance agent is saying that it is not possible to withdraw a claim once it is filed. Is that true?

punkangel070 asked:


My boyfriend and I got into an accident, where he was at fault. Although he was the driver, the car’s mine and I’m insured under it. I’ve already filed an insurance claim and I’m getting an appraisal right now. The car had extreme damage to the front (hood crushed, bumper torn out, headlights busted, grille pushed in, radiator cracked, and antifreeze liquid leeking out). The car is a 2006 Toyota Avalon w/ 24,000 miles on it. Is it possible that it’s totaled?

It’s been days since the accident and we’re both suffering back and neck pain. If we go to a chiropractor, how will the insurance money be paid out? Also, how does the Personal Injury Protection coverage work? Is it the same as pain & suffering? Do you ever come up short with money for the bills? I’m real clueless as to how this ordeal will work out. Help!
Also, we both have Allstate. Is there any way to transfer this to his insurance policy since he was the driver?

doglady asked:


parents dont have ins. and dont have a car yet but needs to get insurance to get drivers license now or must wait til 18!

Theresa N asked:


A program to see if someone has auto insurance…

No one really wants to have their car stolen, but admit it-isn’t it comforting to know if your car does get ripped off, your auto insurance is going to pay for it? There’s a certain amount of security in knowing that. It’s the security we need to park on city streets at night and leave our doors unlocked while we run into the gas station “just for a second.”

It’s that security that helps thieves target our cars in the first place. We become complacent, we stop being aware, and before we know it we’ve become a victim. It’s as simple as that.

Car thieves, like all good thieves, like to hit easy marks. Whether they’re looking for a quick ride to the neighborhood chop shop or a hot GPS system to hawk on the black market, they don’t want to have to work any harder than they have to. Careless drivers are prime victims for theft, which is why auto insurance providers are encouraging drivers to take steps to protect their vehicles. Not only do these steps help prevent the chance that your car will be stolen, they also just might help lower the premiums on your auto insurance.

Simple Steps to Theft Prevention

1) Lock your doors. Most door locks can be jimmied with the right tools, but attempting to unlock a car door that way attracts attention (usually in the form of a helpful passerby) that car thieves really don’t want. Studies show that just by locking your car doors when you get out you can decrease the chances that you’ll become a victim by up to 60%.

2) Install a car alarm. Most people try to tune out car alarms, but most of them can’t help but look to see what’s going on-and just might catch a car thief in the process. Most auto insurance providers will offer you a reasonable discount if your car is protected by an alarm.

3) Roll up your windows. Again, an open window is an open invitation-especially when your doors are locked. You want to wrap your car up tighter than Ft. Knox.

4) Park in well lit areas. Thieves don’t like to be seen, and so they prey on vehicles out of sight of the public eye.

5) Install a fuel switch or engine switch. These nifty little devices make sure that your friendly neighborhood car thieves aren’t going very far. The fuel switch stops fuel from reaching the motor, and the engine switch stops electricity from traveling and starting the car properly. Either way, that car isn’t moving. Auto insurance providers love this one.

Lowering your auto insurance premiums shouldn’t be your only motivation when it comes to protecting your car from auto theft. As a matter of fact, chances are it doesn’t even make your top twenty. Your vehicle, and the people and items in it, are worth a lot more than you’ll ever save in auto insurance premiums-or pay for your auto insurance policy. Don’t you owe it to them to protect them to the best of your ability?



By: Cliff Berman

About the Author:

Ariel S asked:


If the car door was slammed by a passing car and damaged, crushed a little and bent, difficult to close the door, does insurance cover something like this?
What kinds of things does insurance over, if the person who did it, drove away?