Tag Archives: Car Insurance

Basics of Car Insurance

What is insured? Any light motor vehicle used for social, domestic and pleasure purposes and for the insurer’s business. Insured against what risks? 1(a). Loss or damage by accident, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious … Continue reading

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Discussing your car insurance claim with an insurance adjuster

If you have had an automobile accident, you will likely want to file an auto accident insurance claim with your own car insurance company, the other driver’s insurance company, or both. Once you make a claim, a Claims Adjuster, Insurance Adjuster, … Continue reading

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Car insurance property damage claims

When you are involved in a car accident and the other driver is at fault, you may choose to go through your own insurance company to have your vehicle repaired or the negligent driver’s insurance company. So what’s the difference? … Continue reading

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When your car insurance claim is denied

There are many reasons a car accident claim can be denied, valid or not. If your car insurance claim was denied, take note of the reason(s) given in the insurance company’s denial letter. Then take out your insurance policy and … Continue reading

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Settling your car insurance claim: how to write a demand letter

You don’t need to be a great writer to draft a demand letter. Setting out the necessary information to support your demand should be sufficient. CAUTION: If you are not confident that you can write the letter, you may want … Continue reading

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Making a demand or waiting for a car insurance offer

Whether you begin the claims process with a demand letter, or wait for an offer from the insurance company depends on your situation. People often have no idea what their claim is worth unless they consult with an attorney. However, … Continue reading

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The initial steps in settling your car insurance claim

Before you think about settling, you should collect all of the documentation you need to prove your claim. Chances are, the adjuster has taken or will take a recorded or written statement from you about the facts and location of … Continue reading

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Evaluating your own car insurance claim

As lay people, we’re not trained to evaluate accident claims—adjusters are. But if you are handling your own insurance claim, you must become educated in evaluating such claims or you can easily be taken advantage of and not get the … Continue reading

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If someone borrows my car, Will they be covered under my insurance policy?

Generally speaking – yes. Most insurance coverage is connected directly to the car, so if someone else borrows your car occasionally, he or she should be covered under your policy. That being said, it is important to realize that your … Continue reading

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Insurance and umbrella coverage

Umbrella coverage provides an additional layer of protection above and beyond the limits of the liability covered under your auto and homeowners insurance. An Umbrella policy can be less expensive than merely raising the limits on each of the policies … Continue reading

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