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Car Accident Insurance Claims - To File or Not To File

Posted: 09/02/2009 - 2:17 PM ET

Car Accident Insurance Claims - To File or Not To File

Car Accident Costs
The cost of repairing even apparent minor damage from a low speed collision can cost thousands, especially if the damage is to a new compact car. There is a serious design issue involving bumper standards which allows the bumper of a taller vehicle to ride over the bumper of a smaller one and damage expensive parts, such as headlights and radiators. This is one reason why you may be saddled with more expensive car insurance rates for driving that MINI Cooper than a midsize sedan.

Dodge Caravan Minivan Photo

Buy a Car Which is Cheaper to Insure
With just about everything today being more expensive, buying a new car requires much more consideration than whether or not you can make the down payment and the monthly loan payments. The cost of insurance and repair expenses significantly factor into the cost of ownership.

There are many reasons why some vehicles are more expensive to insure than others but, the most significant one is the vehicle's vulnerability in a crash. A car's occupants are its most fragile and valuable cargo so, if you want to save money on car insurance, buy something that protects you and your passengers without demolishing any vehicle you may collide with. Midsize sedans and minivans are some of the least expensive vehicles to insure; not just because they have zero sex appeal, but because they are safer and run into less expensive car accident costs.

Staged Accident Fraud Photo

The Odds of Getting into an Accident
The more hours you spend commuting to work, or running the kids to soccer, ballet, and to GapKids, the more likely your number will come up for an accident. With 80 percent of people believing they are better than average drivers, many of them out there are clueless, distracted or impaired. Given the state of the gene pool waiting for the light in front of and beside you, POW, the guy behind you didn't see you stopped there.

Surviving an Accident While Keeping your Wits
Nobody was hurt, so your job is to get calm and process the situation. Regardless of whether the damage appears serious or not, summon a police officer to take an accident report. Begin recording all of your observations including the identities of the driver and occupants of the other vehicle and any witnesses. With the rise in staged car accident insurance claim fraud, you need to have a detailed account of all of your observations to protect yourself. In significant accidents, filing a claim as soon as possible will take a lot of pressure off you: your insurer will become your advocate to handle all of the details.

IIHS Bumper Mismatch Photo

Filing a Car Accident Insurance Claim

The original concept of car insurance coverage was to protect us from devastating expense in the event we are exposed to serious liability from an accident. In exchange for a premium, the insurer would compensate victims for devastating monetary losses from which they could not recover. Those who were liable for losses which were not considered ruinous would pay what they owed. The insurance system has become tainted by an overly aggressive legal system and a society in which personal responsibility is at a premium.

Smart Car Crash Test Photo

Keeping your Insurance Rates Low
A good way to know whether or not to file a car accident insurance claim is to assess the value of the damage and decide if you can pay for the damages without it causing irreparable damage to your finances. If you can, don't file the claim.

What Your Insurer Doesn't Know
Well-known fact: Filing a car accident insurance claim will most likely cause your rates to go up. Less-well-known fact: The mere act of contacting your insurer about possibly filing a claim will be recorded on your record and influence your rates. If you have decided not to file a claim due to the insignificance of the damages, it is in your best interest not to contact your insurer. Most minor accidents are negotiated in good faith and resolved between the parties in a civil and mature manner, the way it should be done.

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Posted on: May 30, 2013 at 8:17 PM
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Posted on: July 23, 2013 at 1:52 AM
I read the article completely. It has some very valuable information which everyone should be aware of. Insuring cars and the cost of handling car accidents has become a head ache now. These things need to be done very carefully. The article was worth reading. Thanks a lot. Keep updating. [url]www.datingtips101.org[/url]
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Posted on: August 30, 2013 at 3:26 AM
this is good read as i could get on to some of the information on how to avoid accidents an how to make a difference while we get into one. we could try out all these things in our day to day life to see if could prevent these accidents. thank you for this article.
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Posted on: September 14, 2013 at 1:40 PM
NO but you do not yet have a good driving rcerod of your own so you will not get a low rate yet. You will get the second driver discount as only one person can drive the car at a time so insurance company is getting a little extra to insure car for more than one driver.
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Posted on: September 15, 2013 at 4:33 PM
Since the accident<a href="http://wpeuctfjev.com"> hnpepaed</a> in 2005 I take it that the Summons you received is a lawsuit filed by one of the other drivers involved.CALL YOUR INSURANCE ADJUSTER OR AGENT RIGHT NOW IMMEDIATELY ASAP. Do not pass go do not collect $100. Call your insurance company!!!Your insurance company will hire an attorney to defend you per your auto policy. However, you must get that summons to them now!! Your insurance company has a limited amount of time to get an answer on file otherwise a default judgment can be rendered against you. This is an automatic you lose and now its just a matter of how much you pay. See why this is bad.Your insurance company will need to know the date and time that you got the summons and how you got it (certified mail or process server). They will need the original papers but you can fax or mail to them to get the process started and then send the originals!Call now!
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Posted on: September 16, 2013 at 3:28 AM
Hiya:You need to let the insurance cmanopy know that you got a summons. ASAP!Appears suit has likely been filed to protect the statue of limitations. (If you have a claim and don't settle before the statue runs an allowable amount of time to make/settle a claim the only way you can still make a legal claim is if you file suit which extends the period of time to settle .)Failure to answer the summons by the time limit results in a default judgement .which is not good.A decent attorney can get the default vacated but ..you don't want to do anything to jeopardize your insurance cmanopy's handling of the claim.Get it turned in ASAP.Goodluck!~jifr! http://dlgbcm.com pgpiohnmj [link=http://jtqmvnmubi.com]jtqmvnmubi[/link]
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Posted on: September 16, 2013 at 12:45 PM
Once you sign the paper, they cannot <a href="http://tkjrzzt.com">chnage</a> it, unless they find some evidence of fraud or misleading information in the information you submit that would have led to a different offer. As long as you are straight up in your negotiations, that is highly unlikely.
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Posted on: September 20, 2013 at 6:58 AM
Technically it&#8217;s not a low-ball offer. It&#8217;s a policy-limits offer. It just doesn&#8217;t happen to be enough to cover your damages.The first thing I would do it contact the state department of insurance to see if there are any rules or laws governing how such claims are &#8220;apportioned&#8221; to each party. The fairest way to handle such a claim is to take the total amount of everybody&#8217;s damages, figure out what % of the total is yours and what % is the other person&#8217;s, then apply those percentages to the total amount of the available insurance. There may be no rule about this though and they possibly divided it up some other way or did first-come first-served or something.You&#8217;ll not be able to squeeze any more money out of the insurer than whatever the limits of the policy are that the responsible person paid for. That&#8217;s all there is.You have other options:A) If you didn&#8217;t sign a claims release you can pursue the responsible driver for the difference in small claims court.B) You can make a claim under your collision insurance if you have it.C) You can make a claim under your UMPD (uninsured/underinsured motorists property damage) coverage if you have it.D) You can shop the repair around and see if you can get a cheaper estimate. Tell the shop what you have to work with and see what they can do.E) You can file a claim against the driver of the car directly behind you alleging negligence / partial negligence in some way on their part.F) You may be able to take payment for the rental car they were going to get for you in cash instead of actually renting a car (in some circumstances / places). auto insurance quotes online in California travel rewards
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