On Sunday; one of my MichiganAuto Insurance clients was involved in an auto accident.  Although my client was not ticketed or speeding or driving carelessly, her car slid off the road and into a guard rail while going around a wet curve. After she filed her auto insurance claim with Titan auto insurance ; she stopped by Southeastern PA office to pay her bill and discuss a matter which was upsetting her.  I asked if I could see the car before taking it to the Body Shop. Beyond the damage to the car; she lost her engagement ring while changing the tire which blew out during the accident.  She shared she was very upset because the Progressive Claim Rep said her ring was not covered under her auto policy. She said I specifically told her the ring would be covered for loss. I explained to her that was true, the ring was covered under her Renters Policy and not her auto policy. The reason the Progressive Insurance Company Claims Adjuster to her it was not covered, was because they were not aware of your Travelers Insurance Renters Policy which covered the ring.  Since we had scheduled the diamond ring under that policy, it would be very easy to have the claim filed and paid fairly quickly.

After we walked outside to the parking lot; I immediately noticed two items which really concerned me. First and foremost, the tread on the front tires was very low.  Although they were not exactly bald, I would never allow my tires to get that low and drive a car with such little tire tread. Further; I doubt the car would pass PA State Inspection.  On the other hand, the rear tires appeared to be new. They still had the paper stickers on the tread.  I asked Lindsey about it and she told me she had just bought the rear tires and her Fiance installed them for her.  I asked her why he installed the new tires on the back and not the front.  Her boyfriend said it was better because the car was a rear wheel drive car.  Although I was not trying to tension between the two; I explained to her how silly that theory was. I asked how long her fiance was an auto mechanic.  She said he’s not, he’s in construction.  He borrowed his friend’s garage bay to put on the tires.  I told her regardless if you have a rear wheel car or not, if you buy only two new tires, you should always install the tires with the best tread on the front. It’s always better to have more control than rear traction (if you must make a financial choice).  In fact, I said the car insurance claim she just filed and the increase in her auto insurance rates may have been avoided if she did not receive such poor advice.

When it comes to your car insurance and car insurance claims, some auto accident and claims may be avoided by just keeping your car maintained and in good repair. Even though I feel the advice about Lindsey’s Tires was good – if you have any questions regarding your car and your cars maintenance and repair, always consult a professional auto service technician. Although I’m sure Lindsey’s fiance’ heart was in the right place, the accident could have been worse than a dented body and a $500.00 Auto Insurance Deductible.

Stay tunned to our further examples on controlling your auto insurance rates, its not the auto insurance companies to blame, but our own mistakes that at times hike up our auto insurance rates.

Tip

You need to make sure that your Liability insurance is adequate at all times

Do not make the mistake of not to compare auto insurance quotes, review car insurance now- to get your low auto insurance rate and make savings.

Julie Perry : I am constantly hearing that you need to compare auto insurance quotes, can you tell me what collision insurance is and how to compare this between different insurance companies.

Response : Julie, yes, I know that every blog post or online article is screaming the headline “Compare auto insurance” or Compare car insurance” and so any person would naturally think that this is just a way for the marketer to make money or to get information of the client. Believe me, this information can be easily got in many other ways. However, this is a great tip which is over used, but a good one since it can save you money. What is more only the customer is most aware of what he or she wants and therefore you should be educated? I honestly believe that just like driving lessons, the basics of car insurance should be taught to each individual.

Well, let me explain collision insurance. Collision insurance is an important own damage coverage for auto insurance.This is for your car. Supposing you buy a new car, go for your business meeting and park your car in your client’s premises. Someone in the parking lot collides with your car and damages it. This is when collision coverage will pay you for the damages. In its simplest definition, collision auto insurance protects the driver financially in the event of an auto accident that causes damage to one’s auto. Auto insurance pays for damages incurred to the car in a collision, minus deductible. Collision would also pay if you collide with another car or auto. Remember that pothole damage to your car is also considered collision damage. For collision there will be a minimum deductible amount and if you want to waive this you will have to pay a higher premium.

Collision auto insurance can cover a wide range of circumstances. For example, damage to one’s car as the result of striking a telephone pole, driving into a cement pillar in an underground parking lot, or a hit and run accident while the car is parked in a parking lot.

Julie, all insurance companies will have the same coverage for collision auto insurance but the only thing that you need to compare for this coverage is the auto insurance rates and discounts for opting for higher deductible. The second important thing you need to pay attention is and compare auto insurance policy is for the condition of settlement of claim for collison since this might differ from each company. Some settle on actual cash loss basis while some settle on market value basis.

I am sure now you do not hate the words “compare auto insurance quote or compare auto insurance rates, or compare auto insurance coverage and fully understand what they mean.
Thanks.
Kamlesh.