Monday, June 22nd, 2009 at
12:22 am
However, since car insurance policies can be very complicated, you may not even be covered by your policy if something happens to your car. If your car’s wheels get destroyed and the wheels are not covered by your cheap auto insurance policy, then the car insurance company will have nothing to do with your repair or replacement expenses. This can be a waste, especially since you pay a hefty monthly fee to the auto insurance companies to keep your insurance policy going.
To minimize the chances of you getting a bad deal for your money the next time you run into an automobil accident, be sure that you get the best car insurance rates and ins policy that you can possibly get. The best insurance may not mean the most expensive or most loaded policies, because not everybody can afford to pay such hefty fees. What you do need on the other hand is the best auto insurance companies and quote that your own money can buy and pay for every month.
More than getting the most affordable deal, you should also sign up with an auto insurance companies or agent that is ready to help you whenever you find yourself in a tight spot. In this case, cheap doesn’t always mean good because just because insurance is offered to you at an extremely low price means that the company is sure to help and pay what is due their client when the time comes.
When people get into accidents, their insurance agents (if they’re that sort) make it very hard on them and try to wiggle out of paying by arguing that they are not covered by the car insurance policy or that the insurance company should only pay part of the expenses. Ask around with family, friends and people you trust on who they believe the best and most trustworthy companies are before signing.
Wednesday, January 14th, 2009 at
8:24 am
Esbern Asked:
I heard that your insurance company will replace your windshield if it gets hit. For example, what if the windshield is hit by a rock and makes a crack, will they replace it? I also heard that it will be free and it won’t increase the price of my insurance policy. Are all of these true?
Reply:
You need to call your insurance company or read your policy. Every company is different, and it depends what level of coverage you have. It has nothing to do with what state you’re in. The minimum liability insurance that you are required to have does not cover it. Many “full coverage” plans do cover it, and the deductible will vary based on your policy. It will probably only be free if its reparable, and you’ll have a deductible if it needs to be replaced.
I had this once while I was driving my dad’s car. It was lucky that I was in my dad’s car because his insurance covered it. I just called the insurance claims line and they told me the closest repair shop and set an appointment for me. It was a $100 deductible, and it did not affect the rates at all.
