Knowing More About Your Accident Insurance Coverage
Reader’s Question:
I want to know if there is some form of accident insurance coverage for injuries and property damage aside from what my auto insurance provides.
Ana
Paradise, NV
Yes, there is. Many individuals are not aware that there is another way of getting insurance coverage for property damage and injury following a car accident. I am referring to homeowner’s insurance, which may also cover for damages sustained in an accident. For instance, if you have purchased a comprehensive health coverage plan, most likely it would also apply to medical coverage at the time of an automobile accident. Many people just do not realize that they already have this coverage because they are pinned to the fact that they have to get a “car insurance” when they buy a car. It’s like parallel thinking; a notion that if you have a “car,” a “car insurance” must come along with it – without even realizing that the same insurance coverage will be available to them from another accident insurance coverage when needed. Your comprehensive health insurance will cover for injury at the time of an event. Thus, the PIP (Personal Injury Protection) offered by your auto insurance company is really no longer required (unless, of course, mandated by state laws) You have to recognize your other carrier or insurance provider, so you do not have to purchase any unnecessary coverage. This should help save your money and time by not having to pay for coverage you already have.
Accident and Insurance Claims History
Reader’s Question:
Is there a way to avoid reporting my accident and insurance claims history when I apply for car insurance coverage from a different company?
Chuck
Fresno, CA
Accident and insurance claims history have to be reported whenever an individual applies for car insurance coverage. The same is true when car insurance policies are up for renewal. This is because accident and insurance claims history, along with age, gender, make and type of vehicle and the number of licensed drivers to be enlisted in the policy are the main factors that are considered in the computation of one’s car insurance premiums. Moreover, the prospective client’s credit score will be checked by the insurers because they believe that responsible drivers responsibly handle their finances, as well. So, those with bad credit standing will have to pay more.
When an individual applies for car insurance, bear in mind that the motor vehicle record (MVR) that contains information on traffic violations, convictions and accidents will be accessed through the Department of Motor Vehicles (DMV) by car insurance companies. This will be the same case with your insurance records. The insurer will check with your previous car insurance providers for a record of your past benefit claims. So, it would be in your best interest to provide them with all the pertinent information that car insurance companies require. They are bound to know about your accident and insurance claims, anyway. You don’t want to attract unwanted suspicion by deliberately withholding information.
If you worry that your accident and insurance claims history will give you a hard time looking for reasonable car insurance rates, then you should broaden your range of options. There are companies who are willing to provide you with coverage even if you have a slightly long history of accident and insurance claims. You just need to put a little more effort in finding them.
Filing Car Accident Insurance Claims
Reader’s Question:
Even though no one would like to be in a car accident, we can never tell what happens so it’s better that you know what to do. Anyways, in case I get into one here in Texas, how can I file my car accident insurance claim?
Janice
El Paso, TX
Car accident is one of the primary reasons why people get injured. A small number of people endure minor injuries but about half of that experienced grave injuries, permanent disability and some even meet their demise. Being in a car accident is a hurtful encounter because apart from the physical pain and suffering, you would also bear emotional distress, loss wages and property damage. These things mean you have to be financially compensated and you could file a claim for car accident insurance against the one who caused the accident or from your insurance company.
If you get involved in a car accident in Texas, you could demand for compensation for all the damages that have been endured. You could seek help from an attorney experienced in handling car accident insurance. After filing a claim for accident insurance against the at-fault driver, you could also file a claim against your insurance company. When filing a claim for car accident insurance, consider the following things:
–Get a copy of the police report
–Be familiar with the security your auto insurance would give you
–Sign a medical discharge so that a duplicate of the medical record would be shown to the insurance company
–File a claim for bodily injuries under medical payments coverage
–Get at least two auto repair estimates in case your vehicle is declared a total loss
–Show estimates and let them take pictures of your vehicle
–Show the invoices for storage and towing cause
–Request your car insurance agent to help make plans for a provisional alternative car in case you have rental reimbursement coverage
–Inform your car insurance agent for any damages that have been noticed in the course of the repair
Accident Insurance for Passengers Florida FL
Reader’s Question:
My daughter and her boyfriend got into an accident. My daughter borrowed my car for a trip just outside of Florida where we live at the start of the year. The accident wasn’t their fault. That’s pretty clear at this point, but both of them are in hospital as I write. I’m sure my daughter is covered by my accident insurance, but will her boyfriend be, as well?
Jessica
Miami, FL
PIP coverage is required in Florida, so I assume you have this coverage. It stands for Personal Injury Protection, or some people call it no-fault auto insurance because basically one is entitled to it whether or not he or she was at fault. If you listed your daughter as one of the drivers of your vehicle, then it goes without saying that your auto insurance company will cover her hospital bills and her physician’s fees. Her boyfriend may be covered, too, because PIP typically covers the policyholders, family members residing in the same household, and the passengers at the time of the accident. However, accident insurance has limits. Only up to $10,000 dollars may be reimbursed for medical expenses under a PIP coverage. PIP only covers the amount which the auto insurance company deems reasonable. Unnecessary procedures or those which are very expensive might not be paid for in full. There are health care providers pre-approved by your auto insurance company. They’re worth checking out because they will charge you what the auto insurance company already agreed to reimburse. Also only 80% of the medical costs will be covered by the auto insurance company; Twenty percent of them will be shouldered by you as copayment. Anyway, I hope the kids recover soon, Jessica.
Auto Insurance Review Information?
Reader Question Where can I get auto insurance reviews? I want to see all the options and reader feedback about each auto insurance carrier before I make a decision to switch. Anyone know where I can get this info?
Barry,
Las Vegas, NV
Barry, I am not sure where you can obtain reader/customer feedback but you can learn all you care to know about an auto insurance carrier by getting an online quote above. Once you enter your zip code (sorry U.S. residence only) you will be asked some information that is needed to build a tailored quote just for you.
After these questions the system will then compare 12 auto insurance carriers instantly. You can see options, and of course prices. Make sure you think of any discounts that you might be elidgeable for like military, senior citizen, student, credit union etc. etc. etc.