Significant Auto Insurance

I think my insurance company is trying to cheat me, what should I do?

If you are having difficulty with a claims process, you should try to speak to someone higher up in your insurance company. If, even after going through all the channels in the company, you think they are trying to cheat you or do something illegal then you need to get outside help. Your best bet is to contact the department of insurance in your state. The purpose of this department is to examine complaints about insurers and to investigate law or regulation violations. They cannot settle a claim, and they will forward on a copy of the complaint to the insurance company so they can hear both sides.

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How many people drive without insurance?

Uninsured driving is a source of trouble. It creates a dangerous gap in the protections that each individual ought to have when driving. In addition, it increases insurance premiums for those individuals who obey the law and carry insurance. Finding an exact number of uninsured motorists is difficult. At best, states can give an approximation. Mississippi estimates that 28%, almost 3 in 10, drivers are uninsured. In several states approximately a quarter of the drivers on the road are uninsured. States in this category are New Mexico , Florida , Oklahoma and Tennessee .

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Do claims ever disappear from your record?

Whenever you file a claim with your insurance company, it is noted. The more claims you file, the higher your premium will become. Fortunately, claims made with the company will go away after awhile. However, it may take as long as 5 or 10 years for them to disappear and that isn’t any good for your insurance premium. Consider handling any small repairs yourself and saving a bundle of money on higher repair costs. However, don’t just let your repairs slide if you get into an accident. Have a mechanic look at it and determine how much it will cost you. Sometimes hidden damage can drive the price up quickly.

Tags: Ever, Ever Disappear

Young Drivers Insurance & The Black Box

If anyone mentioned a black box in conversation then you are likely to think primarily about the flight recorder on a plane that is supposed to be indestructible just in case the plane goes down and in most cases you would be right to do so. After all, that is the primary functional black box around at the moment. However, the likelihood is that another black box, a new kid on the block, will be in conversation quite a lot this year. That is the black box that is attached to the cars of those with pay as you go young drivers car insurance.

If you choose to go for young drivers insurance that allows you to pay as you go then you will have to have a black box attached to your car to ensure that the car insurance company can keep up with the number of miles you are driving, when you are going out, where you are going to and other such information that is vital to your young drivers car insurance calculation.

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