Car Insurance Secrets

Moved to New Blog Location!

2006-01-10T11:19:00.000-08:00

Car Insurance Secrets is now Car Insurance Saver...

Go there now at http://carinsurancesaver.blogspot.com See you there!

2006-01-09T10:01:00.000-08:00

The nightmare of contributory negligence... Is this the way YOUR state does things?

We had a young lady insured in our agency. She was driving to work one day, waiting to make a left-hand turn, with her turn-signals on, etc... As approaching traffic cleared, she began her turn... just as the bonehead behind her was passing on her left! GRINDING COLLISION...!

Obviously, it was the passing driver's fault, and we had her file a claim against that driver.

That is when we found out the other driver was uninsured.

No problem, we thought. The other driver was speeding, driving without a license, driving without insurance, passing at an intersection... Clearly at fault... This is EXACTLY why we carry "Uninsured Motorist" coverage... to pay for OUR damages and injuries if we are struck by an AT-FAULT uninsured driver. So she filed a claim under her own policy's UM coverage. Simple solution...

The company DENIED the claim!

The reason? CONTRIBUTORY NEGLIGENCE. This legal doctrine says that if you are found to have contributed to the loss to ANY DEGREE, you cannot collect from the other party!!!

How did she contribute? They said she SHOULD HAVE CHECKED HER REAR-VIEW MIRROR TO SEE IF A SPEEDING, UNLICENSED, ILLEGALLY PASSING BONEHEAD WAS THERE BEFORE SHE STARTED HER TURN...!!!

What is YOUR most outrageous claim story...?

2006-01-08T09:41:00.000-08:00

If you decide not to do a car insurance comparison and simply renew your insurance at the same rate, you could be paying away needless amounts of your hard-earned money. By doing a car insurance comparison, you could get a cheaper rate than what you are presently paying.

A car insurance comparison rate is quite easy to do from home on your computer. This way you don’t have to spend time during the day contacting the various insurance companies during their business hours. You can sit down at any time of the night and do the car insurance comparison yourself by requesting free quotes from the various online car insurance companies.

I have found that www.progressive.com is a good place to look, as they offer FREE comparison quotes from their main competitors!

Spend a few minutes doing some comparisons. Could save you a LOT of money!

2006-01-05T10:19:00.000-08:00

When your FRIEND crashes YOUR car...

Ever wonder what might happen if you loan your car to someone and they crash it? The simple answer is: They are an insured person under YOUR POLICY FIRST! Ooooh... So, you are not just loaning your CAR... You are also loaning your INSURANCE...

And if the accident is bad enough and your coverage limits too low, you could lose everything. Good article at: http://info.insure.com/auto/liabilityorder.html

2006-01-05T08:39:00.000-08:00

Doug

2006-01-05T08:06:00.000-08:00

Welcome to Car Insurance Secrets! Hopefully we will be able to create a forum where people can air their gripes, share their horror stories, and at the same time get a bit educated about this mystery that is car insurance.

Maybe you have never given your car insurance much thought. Most people don't. But the fact is that car accidents happen EVERY DAY, and bad things don't always happen to other people. Your car insurance may be the ONLY thing standing between you and bankruptcy... so you need to get it right!

At the same time, we all pay a FORTUNE over the course of our lives (particularly when there are teens in the house!) for our car insurance, so understanding the beast can help us save some serious money on our car insurance! So... jump in and tell me about your problems in the car insurance arena... Any questions? Doug