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How Auto Insurance Companies Handle Injuries To Passengers After Accidents

June 5th, 2013

A car insurance customer may wonder how companies handle passengers’ injuries after accidents. Of course, the policyholder has multiple concerns following a car accident, including what may happen to the insured’s premiums. Rates may increase following a car accident if the driver of the insured vehicle was liable for the collision. Injuries to the driver and passengers of the insured vehicle are also factors.

There are two types of insurance that pay for passenger injuries: medical payments and bodily injury liability. Both types of insurance are unique and governed by separate rules. A consumer should consider their specific insurance requirements in conjunction with the role that each type of insurance plays in paying for medical treatments when deciding what to purchase as part of the car insurance policy.

Medical Payments

Medical Payments insurance usually goes by one of two names: Medpay or Personal Injury Protection (PIP). Medpay is most common in the thirty-eight states with tort laws regarding auto accidents. PIP insurance is mandatory in the twelve states and the District of Columbia that practice no fault insurance. If the policyholder and his passengers are covered by health care insurance, then Medical Payments insurance may be an unnecessary expense. However, if the insured or his passengers do not have health care insurance, then this may be a wise addition to the policy.

Medpay insurance pays for medical treatment within the insured vehicle for both driver and passengers. It pays regardless of fault and will cover medical treatment up to the policy limits. There may be a deductible that applies before the insurance will pay out.

PIP insurance also pays for medical treatment within the insured vehicle for both driver and passengers. It also pays regardless of fault and will cover medical treatment up to the policy limits. A deductible may apply. PIP differs from Medpay in that it covers a broader range of expenses that the insured driver and passengers may incur, including loss of income, pain and suffering.

Bodily Injury Liability

Bodily Injury Liability insurance pays for injuries to other people that result from the collision for which the insured driver is responsible. Bodily Injury Liability will not cover passenger injuries when the passenger is a resident relative of the policyholder. Bodily Injury Liability insurance exists to cover any legal expenses or judgments against the policyholder once liability has been established.

Following a car accident, auto insurance premiums are often the first thing on a customer’s mind. However, medical bills are expensive and mount quickly. A policyholder should be sure to add the proper protection to his car insurance policy in order to protect against the risk associated with passenger injuries.

How To Request More Coverage On A Restricted Auto Insurance Policy

May 13th, 2013

Finding the right auto insurance policy to meet your needs can be a complicated process. Insurance companies and State Departments of Insurance are constantly looking for ways to offer affordable auto insurance. Every state has some form of mandatory minimum liability limits that require all drivers have enough insurance to cover the costs of accidents they may cause. A restricted auto insurance policy is one of the ways that you can gain more coverage without spending a fortune.

A restricted auto insurance policy, also known as a broad form policy, is the least expensive type of insurance available on the market. These types of auto insurance policies only provide liability insurance and will only cover one individual. While a traditional insurance policy offers coverage for the primary driver and others who may drive the vehicle, with a restricted auto insurance policy, if another driver has an accident in your vehicle, the insurance policy will not cover any damages.

Why might you need more coverage on a restricted auto insurance policy? Usually, life changes occur that make it necessary for restricted auto insurance policy holders to increase their coverage. If another member of your household is going to be driving your vehicle, it is important to contact your insurance provider and have them added to this policy. This does not necessarily mean that you will need to transform your restricted policy into a traditional full coverage policy. Instead, many insurance providers will allow you to add specific individuals or blood relatives who live in your household to your restricted policy. In this way you can add more coverage to insure specific drivers who will be operating your vehicle without moving to an all inclusive policy that will allow anyone to drive your vehicle and be covered in case of accident.

If you are looking to understand the exact nature of coverage under your restricted auto insurance policy, or are looking to add more coverage to your policy, the first step is to review the policy you have in place. You should contact your insurance provider and speak to either an agent or knowledgeable representative. This person should be able to answer all your questions about options for adding more coverage to your restricted auto insurance policy. You can also get answers from your insurance provider about how any additional coverage will affect your premiums.

Once you have discussed your options for adding more coverage and received a quote for the new policy, you should contact other insurance providers or brokers to evaluate if your current provider is still the best and most cost effective option to meet your restricted auto insurance coverage needs. If not, you may consider changing insurance providers.

What To Look Out For In A High Pressure Car Insurance Sales Pitch

April 20th, 2013

A high pressure car insurance sales pitch can cause customers to make decisions that do not lead to their satisfaction, such as committing to car insurance premiums they cannot afford. It can also cause car insurance salespeople to lose sales when customers feel overwhelmed and walk away. They may also have future customer concerns if they do gain new customers through their high pressure sales pitch but are unable to satisfy them with the sale in the long run.

Salespeople may feel pressured to sell in order to meet high sales quotas or earn commission. When this pressure influences their sales pitch, they are ineffectively passing on the pressure to their customers.

Customers on the receiving end of a high pressure sales pitch can be negatively affected by this pressure. Faced with the decision of purchasing a car insurance policy without the opportunity to explore their options and think it over, they may become overwhelmed and leave. Or, they may make a purchase that is not right for them. Car insurance customers should look out for high pressure sales pitches that are not tailored to their needs, over-promise or do not offer enough solid information.

In the midst of a high pressure sales pitch, car insurance salespeople can forget to tailor their selling strategy to each customer’s needs. Rather than getting caught up in making the case for an expensive product, salespeople should take time to discover their customer’s needs and match them carefully to the most appropriate policy.

This focus on sales may also lead sales staff to focus on the benefits without considering how they will apply to a specific customer. A high pressure sales pitch may not take into consideration whether or not the individual customer will be able to take advantage of all the car insurance premium being promoted has to offer. This can lead to dissatisfaction in the long run when the customer feels that the sales staff over-promised and did not deliver.

High pressure sales pitches often require customers to make quick decisions. While this can lead to quick sales, it can also result in loss of sales or customer dissatisfaction over time. Customers who feel overwhelmed and unable to make an immediate selection may choose not to buy from high pressure salespeople. Customers who do make a quick decision may later regret their choice as they did not have time to truly evaluate their selection and make the best one for them.

To avoid negative results of a high pressure sales pitch, car insurance salespeople should tailor their product promotion to each customer, and provide each customer with ample information and time to make a decision they will be confident in.

Why Some Drivers Would Not Need Collision Coverage

March 16th, 2013

The purpose of car insurance is to protect drivers against the high cost of vehicle repairs, medical expenses, and lawsuits that can occur as a result of a motor vehicle collision. Some car insurance types are mandatory, such as liability, and some are optional, such as comprehensive or collision coverage.

Collision coverage is one type of car insurance that covers physical damages to a driver’s vehicle if they are involved in a collision with another vehicle, object, or person, if it is considered to be their fault. Collision coverage requires the driver to pay a set deductible out of pocket if they make a claim. Once this deductible has been paid, then the insurance company will pay for the remaining damages. You can lower your collision premiums by increasing the amount of your deductible, but you must ensure that you can afford to pay the higher amount should you file a claim. If the damages prove to be more than the vehicle is worth, then the insurance company will deem the vehicle as a total loss and offer the driver a cash payout instead.

Collision coverage is usually an optional car insurance type, but in some cases, it is mandatory. For example, if you have just purchased a new vehicle and are financing it or leasing it through a financial institution or other lender, they will require you to purchase both collision and comprehensive insurance. This is because the lender wants to recover their portion of the funds if the vehicle is completely damaged in an accident.

There are times, however, when purchasing collision insurance may not be beneficial and may actually cost more in the long run. If you own an older vehicle and you are in an accident, chances are that any damages sustained will cost more to repair than the vehicle is worth. The insurance company will likely deem your car a write off and pay out a small cash amount. So, you’re paying premiums for collision insurance and you cannot really use the coverage. Even if the insurance company agrees to pay for repairs, the deductible you pay may be more than the value of your vehicle.

If you have an older vehicle and you are shopping around for car insurance, make sure that you compare all car insurance types that are offered. Not all coverages are mandatory and not all coverages are beneficial for everyone. Collision coverage will certainly help pay for physical damages to your vehicle, but in some cases, the deductible you pay may cost you more than your vehicle is worth. Always ask your insurance agent if you are not sure which coverages are best for you and your vehicle.

How Car Insurance Changes When Your Vehicle Is Paid Off

February 11th, 2013

Two of the most common ways to pay for new vehicles are by leasing them or purchasing them through financing. Both have the advantage of allowing a new owner to pay for the vehicle over a period of time and many leases can be converted into purchases after a certain number of years have elapsed. While these can be great methods to get a car without having a large sum of money on hand, they can have an impact on car insurance rates. Before a vehicle is paid off, there may be certain kinds of insurance that a car company demands must be in place or that an owner finds to be a sensible choice. A paid off vehicle will often represent an opportunity to change or reduce the amount of car insurance that an owner is carrying.

In many cases, a vehicle that is financed or leased may be required to carry certain coverage types, such as collision. Before the vehicle can be driven off the lot, the new owner must provide proof of insurance to the financing or leasing company that they vehicle does in fact have insurance and that it meets the requirements. If at a later time the financing company finds that an owner has removed the coverage and the vehicle is not yet paid off, they may have the right to seize the vehicle until coverage is restored. Until any vehicle is fully paid off, it belongs to the financing company, not the owner, and the company can set out whatever stipulations they require for continued possession by the owner, and this can seriously influence car insurance rates during the time the vehicle is being paid for.

A paid off vehicle gives and owner an opportunity to remove coverage that was demanded by the financing or leasing company, and also to remove other added coverage they may have chosen to purchase on their own. One example of this kind of coverage is “gap insurance,” which is used to cover the “gap” in price between its value on the lot and its depreciated value when it is driven away. If an owner leaves the lot and immediately gets in an accident, the insurance company will only pay for the assessed value of the vehicle, which will be less than the purchase price, but the owner will still owe the dealership the full amount. Gap insurance covers this disparity in actual and assessed value, meaning that an owner will not have to pay extra.

While car insurance rates can be higher for those paying for vehicles, this extra insurance is intended to protect both driver and dealership.

Getting Auto Insurance That Keeps Its Value

January 10th, 2013

Auto insurance keeps value over time only as it continues to cover the needs of a family in a cost effective manner. Families change in their needs and configuration and normally that change comes as the result of changes in the way that they are generating income or preparing for income generation. Whatever the case is, the auto insurance can be an asset to the purchaser if care is taken to make sure that it is flexible in a way that is not cost prohibitive.

How does auto insurance grow with a family? A family can start out as a single man who purchases coverage for himself as he works from home. Care is taken to get comprehensive coverage while at the same time not making a dent in his budget. As he is protected from a catastrophic loss without losing pace financially, this purchase is a good choice.

This auto insurance keeps value as he marries. His insurance policy is expanded to cover his wife also. Again, the couple now must take care to make sure that it is cost effective. They make sure that they choose a proper deductible and that they are settled on a price that fits their financial goals.

They do not sacrifice their goals; while at the same time they cover themselves against anything that would destroy their path to the future. When auto insurance policies successfully bend to suit these kinds of transitions, it keeps value and provides security for the right price.

Perhaps the family again makes another transition with their children, who once they have come to young adulthood, need time to build their resource base to move out on their own. However, they remain drivers in the house of the couple during that time. ?The auto insurance policy should make it possible for the young adult to be added on to the policy while at the same time being able to absorb the additional cost. This is of increasing value to the family, as they are able to navigate their life transitions with the company that helps them to successfully keep from any great loss.

A good auto insurance policy keeps value over time as the family involved continues to make its transition while at the same time they remain covered. The key factor is that what the family pays out to keep this coverage does not hamper them from meeting their goals. So the insurance policy keeps value through both what it does do and doesn’t do. Getting a policy that keeps value means that the policy holding family constantly re-evaluates their situation and their goals and makes adjustments to bridge any gap there is.

Choosing Auto Insurance From Several Options

December 9th, 2012

With the rise of the Internet in facilitating information gathering and research about auto insurance options, it can be both easier and more challenging to make a decision when it comes to choosing between car insurance options. It can be helpful to understand the best strategies for choosing between auto insurance options. While the internet is arguably the quickest source of information about auto insurance options as an aid to choosing car insurance, yet there is also a limit to how useful internet information can be without the foundational understanding of how to evaluate information that has been gathered. In addition to the many websites that are maintained by insurance carriers for the purpose of reaching new customers who wish to purchase auto insurance, there are also several other internet tools such as comparison sites and third party evaluation services that can be useful when selecting between several auto insurance options. In addition, there are other strategies that can be useful to customers who are in the market for new insurance and have several options to choose from.

When choosing car insurance from several options, the first thing to keep in mind is to ensure that the policies under consideration all reflect legal limits on auto insurance for the driver’s state of residence. Each state selects their own legal limits, and it is important to ascertain whether a carrier is licensed to offer insurance products in the driver’s state of residence. The carrier should be able to verify this, or it is also possible to call the Department of Transportation to verify the accuracy of the policy quote.

The next thing to keep in mind when choosing auto insurance from several options is that deductible levels, age of driver, type of vehicle, safety features, garaging options, area of residence, and mileage and travel patterns can all affect policy pricing. While quote generation tools that are available on carrier’s websites are often helpful to generate an initial ballpark quote, the only way to gain the accurate information necessary to choose between several options is to complete an application for each option, and compare the policies from there.

Finally, when choosing auto insurance from several options, it can be very helpful and reassuring to assess the carrier’s own financial stability, health, and growth patterns. While newer car insurance carriers may often offer a better deal on paper, sometimes paying a bit more for stability and the reassurance that the company has the wherewithal to weather unforeseen economic, weather, or political conditions can pay off big in the long term. Evaluating each of these factors when choosing auto insurance from several options, can yield a high quality policy.

Importance Of Underinsured Motorist Coverage

November 28th, 2012

Being involved in a motor vehicle collision is stressful enough without having to worry about additional financial burdens. The purpose of an auto insurance policy is to protect drivers from such occurrences. If an accident is your fault, then liability insurance will cover damages to property and injuries to other people. However, if you are involved in an accident that is caused by someone who is uninsured, you may find yourself facing financial difficulty. An important coverage to look into when obtaining quotes for auto insurance online is uninsured motorist coverage.

Uninsured or underinsured motorist coverage is an additional insurance coverage that you can add to your existing auto insurance policy. This coverage will protect you against injuries to you or your passengers as well as property damage if they are caused by a driver who does not have adequate insurance in place. This coverage will also apply to a hit-and-run driver, as it cannot be proven whether or not they have adequate insurance, if they are not caught. It is meant to pay the costs that incur if the responsible driver only carries the minimum amount of insurance limits if they are not enough to cover the total damage costs.

Auto insurance can be expensive, in most people’s opinion, as there are so many different optional coverages that can be added on. Full coverage can certainly add up, but in reality, uninsured motorist coverage is relatively inexpensive compared to the expenses that you may be subject to without it. Not having this additional coverage can result in you paying out of pocket for such things as medical expenses or funeral expenses. As well, if you are injured and must be out of work for a significant amount of time, this insurance will protect you against loss of wages.

Uninsured motorist coverage will pay benefits if an uninsured or underinsured driver damages your vehicle or any other property that you own. It will also cover injuries to you or any passengers in your vehicle. The cost of vehicle parts and labor and medical expenses are increasing more and more every year and this insurance can help relieve the burden of having to pay for these items and services. It not only provides financial protection but also gives you peace of mind.

A driver can choose to obtain an insurance policy at any licensed insurance agency or they can purchase auto insurance online. No matter which method is used, it is important to understand all coverages that are available. Under/uninsured motorist coverage is mandatory in some states but is optional in others. Always check the insurance limits and requirements in the state that you live in.

Importance Of Uninsured Motorist Coverage

November 9th, 2012

The number of uninsured motorists is on the rise. In a down economy, not only do mortgages go unpaid but so does car insurance. So it is even more important for you to have uninsured motorist coverage on your auto insurance policy. When buying auto insurance online be sure to select this optional coverage.

If a driver causes an accident his liability policy will normally pay for property damage and medical expenses of the injured party. This system only works if the driver has insurance. Although most states require drivers to have liability insurance, there are certainly drivers on the road without the mandated insurance coverage. The more drivers there are without the proper insurance coverage the more at risk you are for being involved in an accident, caused by a negligent driver who has no insurance an can’t afford to cover the accident expenses.

Another problem is that the required liability insurance limits are low and may not cover all of the expenses that result from an accident. These drivers are underinsured. If they are sued as a result of the accident, they certainly would not have the insurance coverage to settle any judgment.

Underinsured motorist coverage pays after the other driver’s insurance has paid. The limit for underinsured motorist protection is the total amount that would be paid by both insurance companies. It is not as you might assume the amount your insurance would pay. You insurer will pay up to the limit on the policy minus the amount paid by the other insurer.

One way to protect yourself is to buy uninsured and underinsured motorist coverage. Policies for uninsured and underinsured motorists are sometimes combined in an auto insurance quote but only one or the other can be claimed, as they are separate coverages. Most states require the insurance company to offer uninsured motorist coverage but it can be rejected by the consumer.

Not only are you protecting yourself, but you are looking out for any passengers that are riding in your vehicle. If they are injured in an accident, even if it was the other driver’s fault, you would their medical expenses and lost wages to be covered. Both uninsured motorist and underinsured motorist policies cover you and your passengers when riding in your car and you and any other persons listed on the policy when they are riding in other cars.

When buying auto insurance online or from a broker, be sure that you have requested that uninsured and underinsured coverage is offered to you and that you accept it. The modest premiums for this type of coverage can provide financial protection to you and your family.

Three Factors Affecting Auto Insurance Rates

October 28th, 2012

Are you interested in learning more about how auto insurance rates are affected? Find out how to get low auto insurance online. Here are three important factors that may cause your auto insurance rates to excessively balloon out of control. The two most important factors that companies look at after you submit an auto insurance online quote is your age and your driving history. Other important factors include what type of car you have and whether or not you own or finance your vehicle. Other common factors that auto insurance companies observe while determining how much of a risk a driver is include a persons marital status, sex, and possibly occupation. The most expensive auto insurance rates are awarded to the individuals who are assumed to be in the high-risk category for auto insurance.

A bad driving record can cause difficulties for you on you way to getting the best auto insurance rates possible. An auto insurance company might even ask to evaluate a person’s credit before quoting them a cost for their insurance premium. This means that if you have bad credit, accidents and tickets on your driving record, and are less than twenty-five years of age, you will probably be forced to pay higher rates for auto insurance. Some people elect to go with an inexpensive reliable old Japanese sedan with a four-cylinder engine that will make it to high mileage numbers so that they can save the most money on their car insurance. If you decide to travel to work in style and you want to drive a sporty BMW or a new 5.0 Mustang, you are going to have to pay top dollar for insurance premiums that seem like they are constantly on the rise.

If you are a good driver who has a long-term record that displays good reliable driving, don’t be shy to ask about good driver discounts and rewards which can save you a significant amount. One way to guarantee that your insurance premiums will not go up dramatically is to drive safely and avoid getting info accidents. Showing loyalty to an insurance company by staying with one team for a long-term policy is a great way of racking up extra savings and added benefits over the years. If you are ever wondering if you can find a better price out there somewhere else, the internet allows you to check policy features in minutes. If you are thinking that it is time to consider switching insurance companies to find lower rates and better service, you are always a few mouse clicks away from a library of information about the latest auto insurance policies.

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