AUTO INSURANCE IN ACTION

See how your auto insurance performs

Scenario #1

A tree falls on your car during a thunderstorm causing major damage.

Here's where your comprehensive coverage proves its value.

You'll pay your deductible – say $1,000 – and then your comprehensive coverage pays the rest of the bill. If your car is considered a total loss, your insurance will cover the actual cash value of the car or what it's worth today, minus that $1,000 deductible.

Scenario #2 

Your car collides with a stopped car at an intersection. Both cars are damaged but no one is hurt.

Your collision coverage covers the repairs on your vehicle, minus the deductible. If your car is considered a total loss, you'll get the actual cash value of the car, minus the deductible. If you're liable for damage to the other vehicle, your property damage liability coverage provides coverage up to the limit.

Scenario #3

You're driving alone when your vehicle collides with a car carrying three people. Everyone sustains injuries

As in scenario #2, your collision coverage covers the damage to your car and your property damage liability covers damage to the other car up to your property damage liability coverage limit.

Where it's available, PIP – personal injury protection – may pay covered medical expenses up to the limit of the policy, regardless of who was at fault in the accident.

If the other driver is liable, but has no insurance, youruninsured/underinsured motorist coverage could provide protection up to the limits of your uninsured/underinsured motorist liability limit.

If an injured person sues you, your bodily injury liability provides your defense and, if you're found responsible, that same coverage pays damages up to your bodily injury liability limit.

Understand your insurance deductible and limitsA of liability

Understand your insurance deductible and limits

of liability

Car insurance coverage should fit your needs – and your budget

To create the auto insurance policy that's right for you, think about what you'd like covered, what you can afford to pay for that coverage and how much you can pay out of pocket if an accident occurs.

Deductibles

Your car insurance deductible is the amount you'll pay out of pocket before your insurance kicks in. The lower the deductible, the less you'll pay out of pocket if an accident occurs. Selecting a higher deductible may lower your auto insurance premium.

For example, if you choose a $1,000 deductible and have an accident causing $2,000 in damage, you would pay the first $1,000 of a covered loss before insurance kicks in.

Limits of liability

Your car insurance coverage limits, also referred to as limit of liability, is the most your insurance will pay if you have a claim. Choosing a higher coverage amount provides you additional protection if an accident occurs.

The available coverage limits may vary by coverage type and state. It is important to choose limits that meet your needs.

Even more protection with a personal liability umbrella policy

You may want to consider additional liability coverage over and above the basic limits in your automobile policy. For example, if you're in a serious accident involving medical bills or litigation, umbrella insurance pays after you have used up the underlying auto insurance. Typical policies provide $1 million in additional coverage.

Weigh budget and risks

AS Travelers, we understand your need to obtain thorough coverage while keeping your premiums reasonable. That's why we recommend that you carefully weigh your budget considerations against your exposure to potential risks as you select your coverages and limits. You can consider different scenarios with our online Auto Coverage Guide or call us and a Travelers representative will help.

Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.

OPTIONAL COVERAGES

Optional coverages, including gap insurance

As you build your Travelers auto policy, you may want to add one or more of the following coverage options. Please note that in some states, some of these coverages may already be included in your auto policy:

• Gap insurance – or loan/lease insurance – can protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
• Towing and labor pays for covered towing and labor costs if your vehicle is disabled, up to your policy limits.
• Rental reimbursement or extended transportation expenses coverage can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.

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NO FAULT INSURANCE

Personal injury protection, or no-fault insurance

Personal injury protection – or PIP – is often referred to as no-fault insurance because covered claims are paid regardless of who is at fault in an accident.

Key points about PIP no-fault insurance:

• If you're in an accident, PIP covers you, your family and any passengers.
• PIP pays for covered medical and hospital expenses, and may pay for lost wages and expenses for childcare or household-related services while you're recovering.
• It may also pay for funeral expenses.

If you live in a state where PIP is required by law, your auto insurance policy should include this no-fault insurance. Contact a Travelers representative to learn what's required in your state.

Coverages vary by state. In some states medical payments are covered under medical payments coverage.

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Uninsured motorist/underinsured motorist coverage

It's scary to realize that some drivers on the road have no insurance or have insufficient coverage. But when you have uninsured/underinsured motorist coverage, you'll have protection even if you're in an accident with one of those drivers.

Key points about coverage for uninsured/underinsured motorists:

• As long as you've chosen sufficient limits on the policy, uninsured/underinsured motorist coverage can cover your medical bills and bodily injury resulting from an accident with someone who does not have sufficient insurance.
• Coverage extends to you, your family and your passengers.
• As a pedestrian, if you are hit by an uninsured driver, you can be covered.

The requirement for uninsured motorist coverage varies by state. In most states, it applies only to bodily injury coverage, but you can usually add uninsured/underinsured motorist property damage coverage to your policy as well. Ask your Travelers representative about the coverages available in your state.

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MEDICAL PAYMENTS

Medical payments coverage

The medical payments portion of your policy pays for covered medical expenses up to policy limits for this coverage for anyone injured in your vehicle – regardless of who's at fault. It also covers you and your family members who might be involved in an accident as a pedestrian.

Coverages vary by state. In some states, medical payments are covered under personal injury protection (PIP), also known as no-fault insurance.

Talk to your Travelers representative about the advantages of medical payments coverage.

See how your insurance performs

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, features, deductibles and repair options are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.

Comprehensive coverage

If your car is stolen or is damaged by something other than collision, you'll want to have comprehensive coverage to help pay for the loss. The maximum amount you'd receive is the actual cash value of your vehicle minus the deductible you chose for this coverage.

Key points about comprehensive insurance:

• Comprehensive typically covers damage from fire, vandalism, windstorm, hail, flood, vandalism or impact with an animal.
• If you have a loan or lease on your vehicle, comprehensive is generally required; otherwise, it's optional.
• Choose a deductible with an out-of-pocket cost you're comfortable with should an accident occur.

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Collision coverage

If you're in an accident with another vehicle or object – or your vehicle overturns – your collision coverage will pay for the covered damage to your vehicle. The maximum amount you'd receive is the actual cash value of your vehicle minus the deductible you chose for this coverage.

Key points about collision insurance:

• In order to purchase collision coverage, you must also purchase comprehensive coverage.
• Both collision and comprehensive coverage are generally required if you have a loan or lease on your vehicle.
• Choose a deductible with an out-of-pocket cost you're comfortable with should an accident occur.

Coverages and limits may vary by state. Check with a Travelers representative to find out what's available in your state.

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Liability coverage

If you cause an auto accident, you need protection for the damage you might do to another person and that person's property. That's what auto liability insurance is all about.

If you're in an accident in which you're at fault, your property damage liability pays for the covered damage you've caused to the other car and provides you with legal defense if the other party files a lawsuit against you. Your bodily injury liability covers the costs associated with the covered injuries you may have caused to other people in that accident and also provides for a legal defense if you're sued.

Key points when choosing liability insurance:

• Bodily injury liability covers injury to people, up to the policy limits.
• You should have enough property liability insurance to cover the amount of damage your car might do to another vehicle or an object such as a building or piece of equipment.
• With both types of liability, you want enough insurance to cover a lawsuit judgment, without jeopardizing your personal assets.

Most states require all motorists to maintain some form of liability insurance. Your Travelers representative can help you understand your state requirements and select the amount of liability coverage that's right for you.

See how your insurance performs

Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.

TYPES OF AUTO INSURANCES

Get the auto insurance that will help protect you

When you're shopping for auto insurance, you want to be adequately covered in case of an accident. After all, you're protecting your life and your investment, as well as the lives of those around you. So, here's a quick primer that outlines the basics of auto coverage :

Liability coverage is the most important coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone's property, it can pay for covered damages and to defend you if a lawsuit results. Learn more about liability coverage.

Collision coverage helps pay for damage to your vehicle if your car hits another car or object, is hit by another car, or your vehicle rolls over. This coverage is generally required if your car is financed or leased. Learn more about collision coverage.

Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, storms and certain natural disasters. Learn more about comprehensive coverage.

Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault. Learn more about medical payments coverage.

Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage. Learn more about uninsured/underinsured motorist coverage.

Personal injury protection (PIP), also called no-fault insurance is available in certain states and pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident. Learn more about personal injury – no fault – insurance protection.

In addition to these basic coverages, you can choose from a host of optional coverages to create a customized auto policy that meets your individual needs.

Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.

HOW TO CHOOSE BEST AUTO INSURANCE

Five easy steps to consider when choosing auto insurance

Navigating the world of auto insurance isn't always easy. But at Travelers, we live it. And we're here to help you understand this world – so you can get the coverage you need at a price you can afford. Here are a few easy steps to help you make the right choice for auto insurance:

Start with a self-assessment. Write down some key facts about yourself, your family and your driving habits. Review your financial picture. List your assets – including the worth of your car – determine what you want to protect and outline your budget. Review the section "What should I consider when purchasing insurance" in our Auto Insurance Basics. It will help you evaluate your needs.

Learn about the auto insurance coverages required by state law and those that are optional. Even if you think you already know, take a few minutes to walk through these simple coverage basics and optional coverages, or refer to our helpful Auto Coverage Guide.

Select the car deductible and limits that meet your needs.

Find out what discounts and advantages are available for you. With Travelers, your safe driving habits, the number of cars you insure or other policies you have with us are among the ways you could save you money.

Finally, choose an insurer who will be there when you need them. Travelers provides responsive claim service and around-the-clock claim reporting that have earned customer loyalty for decades.

If you're still not sure, get help from a Travelers representative who can walk you through the process.

Be confident in your insurance choices. Contact your agent or Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.

AUTO INSURANCE

                 

Get good protection with the right auto insurance

Whatever you drive, you have a lot riding on those wheels: Your loved ones and your peace of mind. Choosing the right auto insurance can help protect you from the risks of the road. At Travelers, we'll work with you from the start to help protect you wherever you go.

Car insurance tailored to you

A Travelers car insurance policy can cover:

• Bodily injury liability
• Property damage liability
• Injuries caused by uninsured/underinsured motorists
• Medical payments
• Comprehensive damage from events like fire and theft
• Collisions with other vehicles and objects

You can also add rental reimbursement coverage, repair or replacement collision coverage, towing and labor coverage, gap insurance and more.

Savings for car safety features and more

In addition to our competitive insurance rates, you may be eligible for more than 15 money-saving discounts and advantages, including some based on your car's safety features – e.g. airbags, anti-lock brakes or anti-theft devices – or even for your young driver's grades. Hybrid cars may qualify for yet another reduction.

And, you could save up to 20 percent on your auto insurance when you buy other Travelers insurance policies such as homeowners insurance, personal liability umbrella insurance and boat and yacht insurance.

Travelers will be there when you need us

In the event of a loss, we know you want it resolved quickly. With Travelers, you get:

Fast, efficient claim service and 24/7 claim reporting

More than 12,000 claim professionals located across the country and more than 100 points of service to respond quickly to routine and catastrophic claims

Employees, expertly trained at Travelers Claim University, to inspect your property/auto in the event of a loss

Catastrophe response teams and vans that mobilize fast in the event of a severe weather event or disaster

We've been providing trusted service for more than a hundred years, and we'll be there for you.

Be confident in your insurance choices. Contact your Travelers representative today. We'll work with you to develop an auto insurance policy that fits your needs and your budget.

For our Buying Early Advantage, you must obtain your auto insurance quote at least 8 days in advance of your desired policy start date. Actual number of days may vary by state. Not available everywhere. $60 average savings is based on Travelers new business auto customers countrywide who qualified for our Buying Early Advantage between January 1, 2008 and March 31, 2012.

$468 average savings based on new direct auto policyholders countrywide who reported savings to Travelers in 2011.

Individual savings may vary. Savings not guaranteed. Savings message not applicable in MA.

The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts, features, deductibles and repair options are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.

Tips for California Auto Insurance drivers

The state of California requires all car owners to have auto insurance for licensing, registration and operating a vehicle. Purchasing auto insurance with adequate coverage at the lowest price can be difficult.
With many preferred insurance carriers, California Auto Insurance searches and gets quotes for each consumer because the types of freight companies can be very difficult to deal with on your own. Insurance rates are based on the experience of past losses and expenses. These can be very different for each insurance company, even within a given town, city or metropolitan area. To make insurance shopping an easier experience fill out some basic information on a single form to get car insurance quotes from multiple agents instead of one carrier. The right California Auto Insurance agents can help you get the best coverage at the best price. So take some time to shop before you buy. You can save money and get better coverages by finding the right agent.
The required auto insurance coverage in California includes:
Bodily injury coverage with a minimum of $ 15,000 for an individual and $ 30,000 for all persons in any accident.
Property damage liability with a minimum of $ 5,000. This pays for damage to property of others.
Shop Around for "Auto Insurance". You may not realize it, but the insurance rates you pay for on your car can vary greatly depend on the company that you choose. You should always compare before deciding on a policy. California also has what's known as the California Low Cost Auto Insurance Program. This program helps reduce the number of uninsured drivers on the road, providing low-income good drivers with affordable auto insurance options. Qualifications are based on household income, good driving record and the value of the vehicle at the time of purchase. Here are some examples of what determines the cost of your auto insurance premium.
Type of vehicle - car insurance is more expensive for newer cars, because it costs more to repair or replace. Car insurance varies from car to car, so before buying or leasing a new vehicle, check to see how much the car insurance will cost.
Use - The more miles you drive, the more your insurance will cost.
Deductibles - You can increase your deductible to reduce your auto insurance costs, but make sure it is financially viable and the right decision.
Driving record - Many companies offer discounts on auto insurance for consumers without accidents and violations. Drive safely and pay less on your auto insurance.
Multi-Policy Discount - Some insurance companies offer a discount to consumers who purchase both auto insurance and home insurance from them. This also makes it easier for you to have one insurance agent to work with.
Group Discount- Some companies have discounts available if you are a part of a specific group- for example, the employer, association, occupation, etc. Be sure to ask your California Auto Insurance agent about group discounts.
Good student – Teenage drivers on your policy can increase your auto insurance rates. If the teen is a good student, most companies offer a discount on your auto insurance.
Restraint systems and anti-theft devices - Many companies offer a discount on your auto insurance if your car is equipped with safety devices, such as certain anti-lock brakes, air bags, anti-theft and / or vehicle recovery systems

Looking for the best Colorado auto insurance quotes

There are many Colorado auto insurance companies that are offering great deals for insurance policies to your vehicles but to choose the best auto insurance in Colorado you need to research on the Colorado auto insurance company you are looking in to. Auto insurance quotes Colorado provides you with the quotes that specific company provides. Through these quotes you can compare the rates of the different companies that are offering Colorado auto insurance and find out which company is offering the best rates. Make sure that you are going for the right one. It does not mean that you go for the best auto insurance in Colorado but, the insurance company must to reliable and should guarantee the safety of your valued vehicle.

Most of us buy vehicles after years and the struggle behind getting your dream car has no comparison. This is the reason that everyone seeks for the complete protection of their vehicle and most of the Colorado auto insurance can provide this safety. When you come to know the charges of the best auto insurance in Colorado you might rethink over the decision of shopping the insurance policy for your vehicle. But, you don't need to worry about such high rates of Colorado auto insurance because you also have the option of cheap Colorado auto insurance.

You can save a little amount of money by going for the cheap auto insurance Colorado. But, ensure the quality of services they provide and also make sure that the safety of your car is important to them or else you will lose something.

Before shopping any Colorado auto insurance do not forget to keep check on other companies providing the insurance policies in Colorado. Keep a check on quotes they offer. With Colorado auto insurance quotes you get to know about the prices that accompany in offering. Compare the quotes and go for the best one in order to provide best safety to your vehicle at fair price. Low cost auto insurance Colorado may save you some amount of money for instance but, if you make the wrong decision in choosing the company you might face any big loss.

Let's not only think of low cost auto insurance Colorado but, also keeps the quality of services and the insurance policy in mind so that we can prevent ourselves for any big loss

Finding cheap Arizona auto insurance

Let's not take more risks with our valuable autos. While applying for Arizona auto insurance make sure that you are dealing with the reliable company. Do not make sudden decisions and first study about the terms and conditions of the company that is offering Arizona auto insurance. If you are looking for the cheap auto insurance in Arizona ensure the quality of the services first. When you are investing at something do not go for a low standard company because there are many companies offering cheap auto insurance in Arizona that might let you save a little amount of money for an instance but can cause you a big loss. There is also low cost auto insurance Arizona that are low in price but, will never let you regret on your decision. There are also discounts available at low cost auto insurance Arizona with the same best quality of services and the promises. So why choose any other company that has risks?

Do you have any issues regarding your previous driving record? Do your often get into trouble while driving? If yes, then here is a solution for you. Arizona state auto insurance lets the troubled people to solve their driving issues. They have strong policies for Arizona auto insurance that might cost a little higher than many other that do not have any driving issues. So if you find troubles while searching for the solutions of your driving problems keep the Arizona state auto insurance in order to get relief from such problems.

The best auto insurance in Arizona might cost you a little higher but, they definitely reduce the risks. But, there is also some cheap Arizona auto insurance available that charges you comparatively lower than other auto insurance Arizona. But, make sure that you are making the right deal whole shopping the insurance policy.

There are also auto insurance quotes Arizona that help the clients to get the lowest prices as they can compare the rates with other best auto insurance in Arizona. This will tell you which company is offering lowest for the best.

Arizona auto insurance quotes are available on the websites of every company so that you can have the ease for the comparison of the rates. These quotes often provide discounts to let the clients enjoy saving some money. What is bad in getting a chance to save money by opting for discounted Arizona auto insurance quote

Auto Insurance Quote: A Necessary Step Before You Buy An Insurance Policy

In our modern fast paced era, auto insurance is a necessary safeguard to ensure a trouble free relationship with your vehicle, and you must do your best to get a good auto insurance quote. It is extremely important that you grasp what is being insured and what are the conditions if any which exist in the auto insurance quote. However, you must be careful not to confuse an auto extended warranty with auto insurance, since the latter is basically nothing but a vehicle service contract.

Get the Maximum from an Auto Insurance Quote

If you are to get the full value from your auto insurance quote, you will have to understand the terms that are being offered, or else filing a claim when required becomes that much more difficult. There are a great number of insurance dealers who offer you auto insurance quote and other related issues in a very confusing manner. The prices and features that are offered from a broad number of insurance providers can be cross checked and a suitable price decided on when finalizing your auto insurance quote.

Online Auto Insurance Quotes

Auto insurance quotes can also be gleaned from a number of web sites that are related to affiliated issues. Some of the features that you can make use of are:

Multiple insurance carriers present instant online auto insurance quotes.

Compare and choose auto insurance quotes and policies

Very simple forms have to be filled out for local agents to offer you multiple auto insurance quotes.

Time is of the essence and after the purchase of a new or second hand car you do not want to delay getting an auto insurance quote. You are at liberty to go to insurance companies which will almost immediately arrange three auto insurance quote either by telephone or email --- from a nationwide network of professionals dealing specifically with auto insurance quotes. Further, you are also at liberty to visit established sites like http://www.autoinsurancequoteranger.com to get a comprehensive range of auto insurance quotes. You then have the freedom to compare auto insurance quotes from over 110 companies and thus save up to 70% of your expenses online.

Promotional Auto Insurance Quotes

So far as auto insurance quotes are concerned, you will also have to remain extremely alert about the discounts offered or promotional offers of booklets and gifts. These are all gimmicks to beat competition of auto insurance quotes from other companies. For a good auto insurance quote approach a company that will not only understand your needs, but also provide you with services that are fast and easy. After you have accepted their auto insurance quote, the registration methods as well as the terms and conditions ought to be fairly simple - so that your time is not wasted.

After buying your auto insurance, one very important question to ask is - do you know what exactly your auto insurance quote covers and its limits and exclusions? This all must be clear before you accept an auto insurance quote. Thoroughly check out these points before finalizing the auto insurance quote of your choice ---

liability coverage

comprehensive insurance

your duties after an accident.

Do you always need to buy auto insurance after purchasing a vehicle? The answer is absolutely in the affirmative. Auto insurance can in no way be regarded as a luxury; it is most definitely and without any doubts a necessity. So select your auto insurance quotes with care and wisdom

Cheap Auto Insurance

So, now that you have decided to splurge on a car that you had always wanted to own, it is essential that you also get an auto insurance policy. An auto insurance policy covers your car in case it is stolen and also enables you to claim for damages, if it meets with an accident. Most auto insurance policies have liability coverage as part of the policy. Liability coverage pays for damages if you are at fault in an accident. Any way you look at it, an auto insurance policy makes sense, because any of these things could happen any time.

With the automobile sector booming, it is natural that the auto insurance field is also becoming increasingly competitive. Day in and day out, consumers are bombarded with advertisements from companies offering cheap auto insurance. Every insurance company is trying to get your attention with gimmicks and special offers. Many customers end up scratching their heads in sheer confusion. With so many attractive options, selecting the right company and policy can be a very difficult thing to do.

When it comes to cheap auto insurance, there are many different aspects of the business that come into play. There are ads for cheap auto insurance for new drivers, cheap auto insurance quotes, cheap auto insurance rates, cheap no fault auto insurance, cheap full coverage auto insurance... and that is to name only a few of the things mentioned in these ads. You can get comprehensive information on these terms on the Internet. Visiting the extensive Web sites that almost every insurance company has set up can help you to find the information you need in plain black and white.

It definitely pays to do your homework, comparing cheap auto insurance provided by different companies. If you are looking for the right kind of cheap auto insurance quotes, it becomes imperative to choose your insurer carefully.

Every state has somewhat different sets of rules concerning auto insurance. For example, in most cases, the state requires you to carry a minimum amount of liability coverage. This coverage pays for damages you may have been at fault for during an accident. Conversely, some states may allow for no-fault cheap auto insurance policies. Coverage of medical costs, both for you and your passengers, is optional in some states. You can find out your state's specific requirements from your insurance company.

Filling in your insurance application is the next step in the process. Be clear and honest when giving all pertinent information related to your vehicle, people who might use it, your driving record, the list of optional safety features your car has, and when answering other questions the form requires. Go through the insurance policy in detail. Sit with your insurer and ask questions. Find out whether you are eligible for any discounts. Find out the number of premiums you have to pay and whether it is possible to cancel your policy early, if you need to do so for any reason. Such information is vital to know before you take a cheap auto insurance policy. This discussion with your insurance agency could also take place periodically, possibly once or twice a year. Always carry your company-issued proof-of-insurance card with you when driving, as it is required by law in many states

Secrets Your Auto Insurance Company Doesn't Want You to Know

Many drivers rely on good faith and may not expect to be forced to sue their auto insurance company in order to receive payment for expenses resulting from a car accident. Typically, most just want to have their car repaired and their medical bills paid.

Unfortunately, the auto insurance attorneys of Michigan Auto Law deal with many car insurance companies on a daily basis that take advantage of their customers by cutting off their benefits without reason or notice. Some insurance companies also put people "under investigation"- the excuse for stopping payment of all medical bills and wage loss. People are being ignored, threatened, intimidated and even lied to by their insurance claims adjusters.

The following are common tactics used by many auto insurance companies to either avoid or minimize their payouts to customers. Suggestions are included on how you can protect yourself to avoid or minimize problems with your automobile insurer.

1. Many restrictions and limitations are buried in your policy's fine print

Knowing how to read and understand the fine print of auto insurance policies is not an easy task. Auto accident lawyers have seen far too many people lose out on important benefits because they were unaware of important filing requirements buried in their policies. For example, many auto insurance policies pose strict notification requirements, such as 30 days notice for hit-and-run accidents. Many contracts have separate conditions for uninsured and underinsured motorist coverage requiring very prompt notice, and insurance carriers can change their policy filing requirements at any time. When car accident victims do not respond to notification requirements on time, they can lose their coverage.

How to protect yourself:

Notify your insurance company immediately after any type of accident. Be sure you have your complete auto insurance policy, including any notification of coverage changes from year to year. This can also include pamphlets or notes that are mailed with renewal statements, reflecting any policy terms and changes. Most policies include declarations, conditions, insuring agreements and exclusions with conditions.

It's also important to check insurance policies for any benefits that overlap with your own health and disability insurance; and to review any additional coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical care for car accident injuries, having a solid understanding of insurance policies can help ensure that health care providers bill appropriately. If you are confused with your auto insurance policy and have questions, don't hesitate to contact a lawyer who specializes in auto accidents - most are happy to offer advice and guidance for your protection.

2. Insurance agents don't always recommend the best coverage

Following a car accident, there can be numerous issues and challenges navigating health insurance plans, managed care plans, retirement plans such as ERISA, and coordinated/uncoordinated policies. In addition, insurance agents may avoid mentioning important coverage options and applicable discounts due to payout losses or lower premiums that reduce their commissions.

Many people choose to carry more insurance coverage so they will not be personally liable if they cause a serious car accident. However, some people only pay the minimum insurance premium to renew their license plate each year, and then let the auto insurance lapse. Without an uninsured/underinsured motorist policy, a driver or family members severely injured by an uninsured motorist will have no source of legal recovery for their injuries other than filing a lawsuit against the uninsured driver for his or her personal assets. Most people do not have sufficient personal net worth to compensate a person that they have seriously injured.

How to protect yourself:

If you are injured in an auto accident, contact an experienced auto accident lawyer who is best qualified to provide guidance on issues of which insurance is primary, and who will pay medical expenses that are incurred after a crash.

If you carry ERISA health insurance, uncoordinated or primary coverage is the safe move. An insured person with both ERISA and coordinated insurance may end up recovering nothing for their pain and suffering in the event of an auto accident.

Check your insurance policy for uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. If this type of coverage is missing, contact your insurance carrier to add it - the cost is minimal and highly recommended to protect you and your family.

Raising your deductibles to at least $500 or more can also lower your auto insurance premiums by 15 percent to 40 percent. Consider dropping collision and/or comprehensive coverage on older cars. If your car is worth less than 10 times the premium, eliminating those coverages can save you money, unless you still owe money for the car. Finally, if there is any reduction in the amount of miles you drive annually, contact your insurance carrier for quotes on low mileage discounts.

3. Accident Settlement Offers Are Always Too Low

Imagine you just suffered devastating injuries from a car accident and are now recuperating at home, in pain, and worrying about how you are going to pay your bills. An insurance agent knocks on your door with a check for $100,000 for your accident. With the emotional and physical trauma following a car or truck crash, a large amount of money sounds great, and some victims rush into accepting the first settlement offer. Yet determining the value of an auto accident case goes far beyond a simple calculation of injury type, future expenses not covered by no-fault insurance and the wrongdoer's policy limit. Offering to settle is essentially a backdoor approach by insurance companies to saving litigation costs at the expense of an accident victim's right to a full recovery.

How to protect yourself:

It never hurts to call an auto accident lawyer and ask for advice. Many lawyers can explain accident law, what you are entitled to and make sure your own insurance company is paying everything they are supposed to - with no fee or obligation.

4. Releases and Recorded Statements Are Pushed Early On to Overwhelm Accident Victims

Many victims rush into signing adjusters' documents without having the language reviewed by an auto accident lawyer, believing these are just basic verifications of the accident. Therefore, they may lose their right to sue a negligent driver for accident-related injuries. Claims adjusters often try to get recorded statements early, aiming to minimize the victim's pain and injuries for later use in court. Even vehicle damage releases can contain unrelated language that can jeopardize your other claims.

How to protect yourself:

Never give statements to an accident claims adjuster and never sign a release or allow the adjuster to look at the auto damage. Simply tell the adjuster that you need to review the paperwork with your attorney and will get back to them with your response. No matter how desperate you may feel after suffering the financial burden of medical bills, lost wages and disabling pain, involving an auto accident attorney will ensure your rights are protected. Keep in mind that the claims adjuster works for the insurance company, and has its best interest in mind - not the injured victim.

5. Standard practice is to deny or delay claim payouts

Most people suffering injuries from a car accident call their auto insurance company to find out what to do next. They assume that when they follow the process, they will receive fair, timely compensation for injuries resulting from the auto accident. After all, they paid for the auto insurance for that reason - to be covered in the event of a car accident.

Yet many insurance companies engage in common delay tactics including denying claims, not returning calls, placing people on hold for extensive periods, requiring a victim to repeatedly gather records, and passing you from one adjuster to the next. Soon the financial burden of time off work and mounting medical bills drives innocent car accident victims to contact an attorney. Or worse, it makes them desperate enough to accept an extremely low settlement offer, limiting any future recovery of damages.

How to protect yourself:

If you are experiencing these typical delay tactics, contact an auto accident attorney who can assist you with getting your claim processed and the benefits you are entitled to under your state's law.

Bottom Line:

If your auto accident involves injuries to you and/or your family (even seemingly minor injuries), consult an auto accident attorney as soon as possible. Not only will you better understand what benefits you are entitled to, but you will have the peace of mind knowing that you received the full value of benefits and compensation available to injured drivers

Auto Insurance Companies Says No To Drunk Driving

During the holiday seasons or any season in particular, there is no way that parties and family gatherings would be avoided. This is the only season and time of the year wherein one person could see and be in touch with their families and loved ones. Along with those gatherings are mouth-watering dishes and of course some liquor – that, is something that could never be avoided.
This to remind everyone that drunk driving is something that should always be avoided. Here's a tip. For people who are aware that they gathering that he/she will be attending involve drinking brandy, wine, or any type of liquor, it is important that there is someone that will drive going back, and someone that will not drink at the same time. Even though auto insurance is available, it doesn't necessarily mean that people have to be reckless and take advantage of it.
Auto insurance policies are there just in case of accidents. Their part is to insure and pay for the damages that the accident has caused, and people's responsibilities in return are to pay for the monthly premiums and at the same time, stay safe and be responsible enough to know the do's and don'ts of driving.
For sure, auto insurance companies would cover the costs of the damage that has been done, but there is no reason to drive while drunk. Like mentioned earlier, if an anticipated gathering would involve drinking, there are few tips that most auto insurance companies prefer:
Do not drink too much. Be able to control self. For people whose tolerance for alcohol is low, they are already matured enough to know their limitations.
Friends do not leave and let their drunken friends drive. As much as possible, if there is a friend intoxicated with alcohol obviously cannot drive, it is better to call a cab or simply get the car keys and be kind enough to drive him/her home.
If the venue of the party is quite far from your residence, it would be better to stay in a nearby hotel or motel and let the night pass by. It is better to stay safe and spend money for renting a small room rather than driving drunk, and be more prone with accidents.
Auto insurance company are aware that most of these accidents would likely occur during the holiday season. Because of the incidents reported, they made sure that no one will abuse and take advantage of the auto insurance policies that most drivers have, thus, increasing the amount of monthly premiums.
Auto insurance companies are there to help everyone out and make sure that their vehicles would stay insured (as long as the policy covers the damage). However, it is the driver's own responsibility and top priority to stay safe at all times. Auto insurance policies cover unwanted accidents – and not accidents because of someone's carelessness. Remember, it is better to be safe rather than to be sorry.
Check out http://www.rapidautoinsurance.org for more quotes
During the holiday seasons or any season in particular, there is no way that parties and family gatherings would be avoided. This is the only season and time of the year wherein one person could see and be in touch with their families and loved ones. Along with those gatherings are mouth-watering dishes and of course some liquor – that, is something that could never be avoided.
This to remind everyone that drunk driving is something that should always be avoided. Here's a tip. For people who are aware that they gathering that he/she will be attending involve drinking brandy, wine, or any type of liquor, it is important that there is someone that will drive going back, and someone that will not drink at the same time. Even though auto insurance is available, it doesn't necessarily mean that people have to be reckless and take advantage of it.
Auto insurance policies are there just in case of accidents. Their part is to insure and pay for the damages that the accident has caused, and people's responsibilities in return are to pay for the monthly premiums and at the same time, stay safe and be responsible enough to know the do's and don'ts of driving.
For sure, auto insurance companies would cover the costs of the damage that has been done, but there is no reason to drive while drunk. Like mentioned earlier, if an anticipated gathering would involve drinking, there are few tips that most auto insurance companies prefer:
Do not drink too much. Be able to control self. For people whose tolerance for alcohol is low, they are already matured enough to know their limitations.
Friends do not leave and let their drunken friends drive. As much as possible, if there is a friend intoxicated with alcohol obviously cannot drive, it is better to call a cab or simply get the car keys and be kind enough to drive him/her home.
If the venue of the party is quite far from your residence, it would be better to stay in a nearby hotel or motel and let the night pass by. It is better to stay safe and spend money for renting a small room rather than driving drunk, and be more prone with accidents.
Auto insurance company are aware that most of these accidents would likely occur during the holiday season. Because of the incidents reported, they made sure that no one will abuse and take advantage of the auto insurance policies that most drivers have, thus, increasing the amount of monthly premiums.
Auto insurance companies are there to help everyone out and make sure that their vehicles would stay insured (as long as the policy covers the damage). However, it is the driver's own responsibility and top priority to stay safe at all times. Auto insurance policies cover unwanted accidents – and not accidents because of someone's carelessness. Remember, it is better to be safe rather than to be sorry.
Check out http://www.rapidautoinsurance.org for more quote