By james dalton

Car insurance is the most bought type of insurance in the United States of America. There are more cars than people in America and couple that with various States making car insurance mandatory; you have something that is in high demand. This need for insurance will always have people trying to get the best deals possible on the different types of car insurance available. To be informed, the article will examine the different types of car that exist on the consumer market.

Bodily Injury Liability is an insurance policy that covers drivers of another car. If you meet in accident and the other driver is injured then Bodily Injury Liability will cover the medical costs of in the case the other driver is injured in an accident. This mainly benefits policy holder as he does not have to worry about being sued.

The Medical Payments or Personal Injury Protection (PIP) insurance coverage is close to the bodily Injury liability mentioned above. The difference between the tow is the fact that the policy holder and associated passengers are covered in the case of an accident. This means they are entitled to have their medical bills, loss of wages and even death is covered.

Under Property Damage Liability car insurance policy, the insurance company will cover the cost of repairs to the other party’s car in the event of an accident. With this coverage the other individual’s damages will be paid for by the insurance company, while the policy holder would have to pay for his own damage from his own pocket.

The Collision insurance policy is one of the most common and cheapest auto insurance policies available. With collision the insurance company will pay for the damage or repairs if another driver crashes into you. This usually requires drivers to have a deductible and once the deductible is paid, the insurance company will pay for the rest.

Comprehensive coverage is another popular policy for motor vehicle owners. With comprehensive coverage the car is covered from a wide array of things. The car will be protected from fire, theft acts of God and collision with other vehicles. Policyholders need to pay a monthly deductible. Once this is paid in the event of an accident, the insurance company will cover the rest.

Uninsured and Underinsured Motorist Coverage will usually protect the policy holder in the event that someone with no or insufficient insurance crashes into his vehicle. It will also protect against hit and run drivers in the event of that type of accident.

The breakdown of the different types of car insurance policies available helps to make understanding motor vehicle insurance easier. You have looked at Bodily Injury Liability, Medical Payments or Personal Injury Protection (PIP), Property Damage Liability, Collision, Comprehensive, Uninsured and Underinsured Motorist Coverage. By investigating and understanding the different policies, we are able to see what differences and similarities they offer. This enables consumers to have insight and knowledge into the best car insurance for their car and the one that offers the best coverage options.

Source: http://www.Free-Articles-Zone.com

By David Williams

How can you tell if an insurance adjuster is lying? Answer: Look and see if his/her lips are moving!

Yes, I know that was a corny joke that may overstate the frequency of the problem to some degree. But, this fact can’t be disputed or denied: Insurance adjusters often lie to consumers, hoping their antics will cause them to become discouraged and accept a smaller settlement than they are rightfully owed. While it is true, mistakes occasionally happen and some adjusters pass untruths out of ignorance, many others are handsomely rewarded for routinely telling blatant and deliberate lies to claimants.

In this article you will learn nine of the most frequent lies auto insurance adjusters tell. Beneath each lie, you will learn the truth.

Lie #1 You must get your car repaired

Truth: It’s your car and no one can make you do something with it that you don’t want to do. If you choose not to repair damage that is covered by insurance, as a general rule, the insurer still owes you for the full value of necessary repairs that would be required to put your vehicle into its preloss condition. But, be forewarned. If you choose not to repair accident damage on your car, your insurance company would not be required to continue insuring the car for its full retail value. In fact, if you play hardball, your insurance company may decline to insure your car altogether forcing you to shop for other insurance coverage at a time when your driving record may be marked by an accident.

Lie #2 You must go to the insurer’s preferred shop

Truth: If you choose to have your car repaired, most state’s laws allow you to authorize work at the shop of your choice. However, if you encounter problems with a shop you selected, the insurance company will be quoting the old lyric, “I told you so,” and will be little help in procuring your satisfaction. If, on the other hand, you go to a shop selected by an insurer and get deceived, or don’t receive the level of repair you are entitled to, you will be in a much better position to negotiate with the insurer, especially if there is threat of a bad faith lawsuit against them.

Lie #3 You must turn the claim in to your own insurance company if we disagree

Truth: If you are the victim of someone else’s negligence and their insurer is trying to get you to settle for less than you are entitled, you might consider sending a demand for payment to the person that caused the damage. The fact that the negligent party bought lousy insurance coverage does not relieve them of the responsibility and obligation they have to indemnify you of damage they caused. Therefore, if the third-party insurance company doesn’t want to make full restitution to you on their policyholders’ behalf, you are under no obligation to deal with them. Simply insist on payment directly from the negligent party or pay your deductible and file a claim under your own insurance policy.

Lie #4 Repairs will restore your vehicle to its preloss condition

Truth: There are many factors that prevent a car or truck from being restored to its preloss condition. The same would be true for anything that is damaged and reconstructed. Think for a moment about a valuable vase that gets broken. Although the vase could be glued back together, even to the point that the damage is unrecognizable, it could never be as sound or as valuable as it previously was because there is a potential for failure after the accident and repair that didn’t previously exist. Likewise, during auto repairs it is economically impractical to test every component and part on a car to guarantee that it’s performance and durability are unaltered. In addition, many of the tests that would be required in making this determination are destructive by nature making them unfeasible to perform. What if the crash affected sealed electronics in your car’s dash or clutches in your car’s transmission causing premature failure of these expensive parts? What if your car’s metal becomes fatigued from being beaten, stretched, hammered, and welded on causing it to fold easier in a subsequent accident and causing late deployment of airbags? What if…

Lie #5 You Don’t need a lawyer

Truth: Insurers, oftentimes, do not take consumers, without legal representation, seriously. Let’s face it; where there is no threat of danger, there is little motive for action. As an example, you could enthusiastically warn me by shouting, “beware of the dog” until you lose your voice. But until you take the chain off or open the gate to the pen I probably wouldn’t run. In fact, I might not run even then if you have a terrier or a poodle. If however, you are saying “sic-um” to a ferocious pit bull, I’ll have a much different attitude. Insurers are no different. They pick and choose their fights. If they think you can mount a good defense against them, they will usually pay you everything you are owed. If they think you can’t afford a lawyer or a proper defense, they will most often bully you and stall your claim, sometimes forever. As in the analogy of the dog, when you unleash a lawyer that commands insurer’s respect, you will get action. But even then, don’t expect results quickly. Often, deals are made on the courthouse steps just prior to a trial. The months and sometimes years leading up to that point can be very frustrating for claimants.

Lie #6 Your car will be just as valuable after the accident and repairs as before

Truth: Most people are alike in that given the choice between two cars identical in every way with the exception being that one has been involved in an accident and the other has not, most would prefer the car with no damage history. This is true even if repairs to the car not chosen are of such good quality that you can’t tell it apart from the undamaged one. With the number of used car certification programs growing and damage disclosure to potential buyers a legal requirement in many states, the only way wrecked cars sell is if the price is cut low enough to offset the risk car shoppers take when purchasing damaged goods. The loss in market value a car suffers after being wrecked and repaired is known as diminished value (DV).

Lie #7 We don’t pay Diminished Value (DV)

Truth: In third-party claims, insurance companies are obligated to pay diminished value to claimants who prove the amount of their losses. Proving a loss is not difficult. It will, however, require that you have a post-repair inspection performed on your repaired vehicle - unless, of course, you want to take the insurer’s word for the amount you are owed. Since one of the biggest factors lessening the value of repaired cars and trucks is poor quality workmanship, it is easy to understand why it is impossible to determine the amount of diminished value without a detailed and thorough examination of the property following completion of the repairs by a body shop.

It is usually more difficult to collect diminished value under your own policy than it is in third-party cases where another person’s insurance is paying. The reason for this is that many consumers, unbeknownst to them, purchase insurance policies that have diminished value exclusions written in them. By virtue of being bound to this contract that they purchased, these consumers will be forced to forgo this portion of their claim. But, even in these cases, consumers that have purchased a post-repair inspection will often have proof that repairs failed to restore a vehicle to its preloss condition. Faced with this proof and the obligation to indemnify the policyholder, insurers are often forced to make a monetary concession - though rarely will they call it a diminished value payment.

Lie #8 You must go back to the same dishonest and/or slothful auto body shop for rerepairs

Truth: If you didn’t have to get your car repaired in the first place, why would you feel obligated to return a second, third or forth time to get the job done right? You don’t have to and you shouldn’t. You are under no more obligation to go back to an auto collision repair shop that butchered your car than you are to go back to a barber shop or beauty shop that butchered your haircut. Some courts have even taken the position that if you go back after knowing the limited capabilities of the shop or knowing that they might be less than honest, then you deserve whatever treatment you get the second time. You know the old saying, “Get me once, shame on you; Get me the second time, shame on ME!”

Lie #9 Insurance direct repair shops are the best places to get your car repaired

Truth: Direct repair shops (DRP) are not chosen for their ability to perform high quality work. Rather, insurers choose these shops to work with based on the amount of concessions and discounts they are willing to give them in exchange for referrals. In effect, DRP shops see insurers as their customers instead of vehicle owners. Given the choice, most will favor an insurer to keep work coming in the door, even if it means lying and cheating long-time customers.

There are many ways DRP shops favor insurers. As an example, many DRP agreements and contacts mandate that repair shop estimators overlook certain damages that would not be blatantly obvious to a consumer's untrained eye. In addition, it would not be uncommon for them to try to talk you into accepting an appearance allowance that represents an amount less than the actual cost of repairs to forgo repair of some damaged panels or parts. This would often be presented to you in such a way as to convince you they are doing you a favor.

Reality is, whether or not you get your car repaired, you are entitled to full value for the cost of repairs necessary to restore your property to its preloss condition. You shouldn’t settle for less!

This information is general in nature and should not be relied upon as a substitute for legal or insurance advice. Readers are encouraged to consult specialists in these fields who have an understanding of legal and insurance issues on a local, state, and national level.

COPYRIGHT (c) 2007 David A. Williams - All Rights Reserved

By Robert Parker

Buying a new car, or even a late model used car, is a relatively simple process. You go to the dealer or lot knowing that you're buying a vehicle for daily use, and armed with a list of financing options, and features you cannot (or will not) live without. You might haggle a bit with the salesperson, just to be sure you're getting the best deal available, but in the end you'll walk out – or drive away – with pretty much exactly what you planned.

Purchasing a classic car is not quite as simple. Oh, there's still the list of features, and there are still financing options to consider (generally cash, check or charge), and there may even be some haggling, but before you do that, there are certain key factors that must be decided in advance. Let's discuss them.

Purpose
Before you look at any cars, make a list of why you're buying a classic vehicle. Are you going to drive it every day, or only once in a while? Will this be an investment, or mere transportation? Do you want something you can restore yourself, or do you want a car that has already been fixed up and tricked out? Do you plan to enter competition? If you do, bear in mind that you'll have to find a vehicle that is completely original, and you'll be spending more money for it, than for something you just want to drive on Sunday afternoons. It's important to address all these issues before you even narrow down your choices, because they may impact what you spend and where you look. If you have a specific model you're dying to have, great – try to focus on a specific year for that model (for example, the 1978 MG B). This will not only help your search for vehicles but it will also help you in your research.

Research
Once you've chosen your dream car (that 1978 MG B again), research it to death. Learn if there are any known issues, or recalls associated with the model in general. Were they resolved? If so, how? Many classic European cars had problems with their electrical systems, for example, so when you find one, be sure everything is in working order. You might also want to find a classic car club or owners group for the model you're in search of, and seek their advice. People who actually have experience with the same car you are looking for can be invaluable assets when shopping for an antique vehicle or vintage car.

Check it Out
You've determined the purpose of your classic car, and you've researched the model you really want, and finally you've identified a car you're willing to buy. Now what? Well, you should definitely run a vehicle history report on it, to assure yourself that it is not a stolen vehicle, and to find out how many owners it has had. You can do this online, for anywhere from $29 to $75 dollars, depending on the services you choose, and the depth of the search. You will need the VIN number for this. You should ALSO have a vehicle appraiser look at the car, not just to certify that you are paying a fair price, but to determine if there is evidence of an accident, or if the transmission or engine (or any number of other important components) are original or not. Replacement parts greatly affect the value of the car, but knowing the condition and having it gone over by an expert is equally important, and may save you money down the line.

Owning a classic car can be both fun and lucrative (if you resell, or enter competitions), so please keep this advice in mind whether you are looking for your first antique auto or if you have a garage full of vintage vehicles. One final piece of advice, though? Trust your gut. If at any time something feels wrong, stop any negotiations, and step away. No car is worth more than your own peace of mind.

Source: http://www.Free-Articles-Zone.com

By Robert Mcleary

Your driver's age is considered with fleet insurance companies, drivers have to be over 25 with at least two years driving experience. But not to worry, you can insure your vehicles for any driver but your premium will probably be higher, you have to take the good and the bad.

Your drivers must obviously have a full UK driving license and be licensed for the vehicle they drive for your company. For instance, they must have a class one HGV license to driver 32-ton articulated vehicle. Most fleet insurance companies will allow any driver to driver any vehicle but if you employ older drivers with more experience, you could fall into a different category and be liable for a smaller premium cost.

If your company has a bad claims record, the terms of your policy can change and higher excess will be wanted from insurance companies. If one of your drivers has a bad claims record, the insurance company can ask for an increase for that driver. A poor claims record can mean stricter terms are applied and higher excesses.

Your cover can vary between your vehicles; let me explain… you can insure difference vehicles with difference cover, comprehensive, third-party fire and theft, or third-party only. You can increase or decrease your excess for certain vehicles to lower the cost of the premium. You may benefit from cheaper legal expenses if your vehicles are insured under one fleet insurance policy. Your vehicle windscreens can be covered for a much lower price under a fleet policy too.

Risk Management for your vehicles can be managed better if all your vehicles are insured on one policy. If you insure your vehicle with different insurance companies, then each company can take a different look to price your policy and this possibly will cost your company more cash. A fleet insurance policy will make sure all your vehicles are covered properly and reduce the risks for your business.

Source: http://www.Free-Articles-Zone.com

By Car M

What is auto insurance? Auto insurance (or car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred. By buying auto insurance, depending on the type of coverage purchased, the consumer may be protected against:

* The cost of repairing the vehicle following an accident

* The cost of purchasing a new vehicle if it is stolen or damaged beyond economic repair

* Legal liability claims against the driver or owner of the vehicle following the vehicle causing damage or injury to a third party.

Liability insurance covers only the last point, while comprehensive insurance covers all three. Even comprehensive insurance, however, doesn't fully cover the risk associated with buying a new car. Due to the sharp decline in value immediately following purchase, there is generally a period in which the remaining car payments exceed the compensation the insurer will pay for a "totaled" (destroyed, or written-off) vehicle. So-called GAP insurance was established in the early 1980's to provide protection to consumers based upon buying and market trends. The escalating price of cars, extended term auto loans, and the increasing popularity of leasing gave birth to GAP protection. GAP waivers provide protection for consumers when a "gap" exists between the actual value of their vehicle and the amount of money owed to the bank or leasing company. In some countries including New Zealand and Australia market structures mean that people are more likely to buy a nearly new car than a new car so this is less of a problem.

In the United States, liability insurance covers claims against the policy holder and generally, any other operator of the insured's vehicle, provided they do not live at the same address as the policy holder and are not specifically excluded on the policy. In the case of those living at the same address, they must specifically be covered on the policy. Thus it is necessary for example, when a family member comes of driving age they must be added on to the policy. Liability insurance generally does not protect the policy holder if they operate any vehicles other than their own. When you drive a vehicle owned by another party, you are covered under that party's policy. Non-owners policies may be offered that would cover an insured on any vehicle they drive. This coverage is available only to those who do not own their own vehicle.

Generally, liability coverage does extend when you rent a car. However, in most cases only liability applies. Any additional coverage, such as comprehensive policies, i.e. "full coverage" may not apply. Full coverage premiums are based on, among other factors, the value of the insured's vehicle. This coverage may not apply to rental cars because the insurance company does not want to assume responsibility for a claim greater than the value of the insured's vehicle, assuming that a rental car may be worth more than the insured's vehicle. Some states, such as Minnesota, may require that it extend to rental cars. Most rental car companies offer insurance to cover damage to the rental vehicle. In some regions, the costs associated with not having access to the vehicle ("Loss of Use") is also covered.

Source: http://www.Free-Articles-Zone.com

By Car M

Many factors affect the premium you will pay for auto insurance. Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but there are numerous others, including driver's gender, miles driven per year, purpose for using the vehicle (commuting to work, using for work, leisure only), etc.

Factors you CANNOT easily change that affect your car insurance rates:

Age
Statistically, drivers under the age of 25 are at greater risk of being in an accident than those over age 25. Drivers between the ages of 50 and 65 generally have the safest records.

Gender
Women are statistically safer drivers.

Marital Status
A married person will pay less than a single person with an identical driving record. Factors you CAN change that affect your car insurance rates

Geography
Where you live makes a difference. Folks living in areas with little or no traffic are likely to spend less on insurance than those living in congested cities or suburbs because areas with a lot of traffic tend to see more accidents. Some neighborhoods also have a higher rate of vehicle thefts, which can result in a higher premium.

Driving Violations
Having an accident or moving violations on your record (speeding tickets, DWI, reckless driving, etc.) put you at a higher risk for accidents and will likely mean a higher premium. Some insurance companies will penalize you for your record for as many as five years from when the incident occurred. However, keep in mind, as your record improves, your premium will get lower.

Vehicle Type
El cheapo car will cost less to insure than that status symbol SUV sitting on 24" rims baby.

Accident Claims
A driving record that is clean and free of accidents will hold fare better for you than lots of tickets and/or accidents.

Credit Rating
Many insurance companies view having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium.

Occupation
Insurers have statistically found a correlation between your occupation and risk. For instance, a newspaper delivery person is most likely a higher risk than the personal banker sitting at their desk all day.

Other factors that help determine premiums:

. Driving distance to work
. Miles driven each year
. Years of driving experience
. Business use of the vehicle
. Whether or not you currently have auto insurance
. Theft protection devices (often results in discounts)
. Multiple cars and drivers (another opportunity for discounts)

What can I do right now to make sure I have the lowest premium?

Shop around and compare quotes from different insurers. They base their premiums on their claims experiences, which naturally differ. One company may see your area as a higher risk than others may. Another may charge more because of your occupation. Shopping at http://www.insurancehelp101.com makes it easier because you can quickly see multiple companies and their rates for your particular situation

Source: http://www.Free-Articles-Zone.com

By Tim Beachum

I almost crapped my pants when I found out that I was paying more in car insurance simply because of my occupation. Before you get all up in the air you may be in the lucky group of people that pay less for car insurance. When I first discovered this information I was flabbergasted to say the least.

I researched my information by reviewing the results of the Comparison Market’s 2006 Occupation Report. This report stated that your occupation can greatly impact your car insurance premium. Hold on to your seats because I haven’t even began to scratch the surface.

The Comparison Market also stated as an example that scientists, pilots, actors and a host of others pay the lowest insurance rates at an average of $935.76 per year. On the flip side of the coin we have job occupations such as attorneys, lawyers, judges, executives and business owners pay the highest insurance rates at an average of $1,383.63 per year.

That news made no since to me what-so-ever, but I had to get to the bottom of this. Mr. Roush, CEO of Comparison Market stated that attorneys, lawyers, judges etc… have extremely stressful jobs, which require them to spend more time in their cars and talk more frequently on their cell phones than the average driver.

Ok now we are getting somewhere. It’s all starting to make a little since to me. Now for the other group that I spoke of earlier, i.e. the scientist, pilots, actors and so forth. Their occupations are viewed as being very meticulous and detailed-oriented, which the powers that be feel lead to good driving habits.

For those of you in the know you already realize that receiving discounts on auto insurance is not a new concept. For years major insurance companies have been giving discounts to members of affinity groups, i.e. AARP, AAA, alumni groups and other associations.

Below I have listed the top 10 occupation that pay the least amount in premiums. Unfortunately I do not fall in this top 10 list.

1. Scientist
2. Retired individuals
3. Unemployed (I guess because they cannot afford gas… Just kidding)
4. Pilots and or Navigators
5. Disabled
6. Actor, Performers, and other types of Artist
7. Librarian/Historian
8. Farmer
9. Student
10. Public Official

Here is another little piece of irony for you. Number twelve on the lowest car insurance premium list was a bartender. That totally blew me away.

For more insider trade secrets, or to get your free car insurance quote, check out http://www.a1carinfo.com

Bio:
Tim Beachum is an author, speaker, success coach, actor, independent film producer, movie editor, and a successful Internet Marketer.

Source: http://www.Free-Articles-Zone.com

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