Personal Or Commercial Car Insurance: Which Is Right For You?
If, like many Americans, your family car is also used for purposes that could be considered commercial use, you may want to steer yourself into a chair and look over your insurance policy. You'll need to consider buying a commercial policy or making sure that your existing personal auto policy
Apr 27, 2007 - 10:35:00 PM
Five Questions To Save You Money On Car Insurance
When it comes to car insurance, there are a number of ways to reduce your insurance premium, and an independent agent or broker can give you the inside scoop on savings.
Here are a few questions to ask an independent insurance agent.
Apr 9, 2007 - 11:01:00 PM
Auto Insurance Fraud
Auto Insurance (or car insurance, motor insurance) shields the insured against losses involving the use of automobiles. An auto insurance policy can be purchased for cars, trucks and other vehicles. The reason why automobile insurance has become distinctive in its nature, can be simply stated by the fact that a
Mar 29, 2007 - 9:06:00 PM
An Independent Approach To Car Insurance
Many consumers are finding they can drive down the cost of car insurance-and the time it takes to select the right policy-by contacting an independent insurance agent or broker.
Mar 27, 2007 - 8:35:00 PM
Consumer Tips: What About Car Insurance?
All owners are required by law to insure vehicles driven on public roads. Some provinces and territories offer public insurance while others have insurance sold privately.
Mar 18, 2007 - 11:47:00 PM
Top 5 Auto Insurance Money-Saving Tips
The more you know about insurance, the more you'll be able to save on your premiums. The good news is www.kanetix.ca has compiled a list of the most common money-saving tips to get you started.
Mar 13, 2007 - 10:24:00 PM
Shedding Light On Car Insurance Savings
It can be easier than you think to put the brakes on high auto insurance rates. Your independent agent is the key to getting the best rates. He or she can review your policy and possibly help you find a variety of illuminating ways to save money.
Mar 6, 2007 - 10:11:00 PM
Don't Put Your Auto Insurance On Autopilot
Smart motorists rely on seat belts and air bags as the first line of protection in the event of a car accident. Another important safeguard--especially for financial security--is understanding and purchasing appropriate automobile insurance coverage.
Mar 5, 2007 - 9:21:00 PM
Does Your New Car Have The Insurance Coverage It Needs?
Not every auto insurance policy is the same, particularly when it comes to new cars. New car buyers should make certain that they have auto insurance that properly protects their sizable investments-or they may regret it.
Mar 1, 2007 - 6:48:00 PM
Save Money With Your Current Car
Insurance rates, car maintenance expenses and fuel prices continue to rise. Thankfully, you don’t have to alter your driving habits or buy a new car to get some relief. Here are some quick, inexpensive, easy ways to save money with the car or truck you already have.
Feb 26, 2007 - 11:01:00 PM
Will The Auto Insurance Company Total My Car
When you are in an auto accident and your car is damaged your insurance company can do one of two things. They can pay for the repairs of the car or they can total the car and pay you the value of it. Your insurance company will decide to total
Nov 25, 2006 - 2:30:00 AM
Car Insurance How to Get The Best Rate
Maybe you finally have the car of your dreams or perhaps, your current auto insurance carrier raised premiums for no good reason again. Whatever the case may be finding the best car insurance rate you qualify for just takes some patience and research on your part. The most important thing
Oct 2, 2006 - 8:38:00 PM
Can Certain Driving Practices Help You Save Money On Your Auto Insurance?
You left your home too late and are now rushing to get to an appointment. Or perhaps traffic was backed up and now that it's freeing up a bit, you want to make up for lost time. But before you put the pedal to the metal, did you know that
Aug 15, 2006 - 11:32:00 PM
Car Insurance Coverage What Kinds are There
There are five basic types of auto insurance coverage: bodily injury liability, property damage liability, medical payments, uninsured and underinsured motorist coverage, and comprehensive and collision insurance, a two-part coverage which covers physical damages to a vehicle.
Although they have big names, most car insurance coverage is self-explanatory and can
Aug 11, 2006 - 12:45:00 AM
Car Insurance..The Difference Between Cancellation and Nonrenewal
There are two ways to end coverage by a current car insurance company: cancellation and nonrenewal. The first takes place when the auto insurance that had been providing coverage decides not to sell insurance to you anymore, and the second usually occurs when the policyholder neglects to pay the auto
Aug 11, 2006 - 12:33:00 AM
Car Insurance and Leasing a Car
Even if you're just leasing a car, most states still require the driver to carry car insurance. In fact, most times the bank or auto dealer that is financing the car make it mandatory to purchase collision and comprehensive coverage. This is in order to cover the costs they would
Jul 30, 2006 - 10:13:00 PM
Five Insurance Mistakes That Could Cost You
Just because you have insurance doesn’t mean it will be enough to protect your hard-earned assets should the inevitable happen. There are countless situations - like a home fire, a car wreck with injuries, or someone getting hurt on your property (to name a few) - where your level of
Jul 18, 2006 - 10:31:00 PM
Choosing a Car Insurance Company
These days, you can’t go five minutes while watching television without seeing the little lizard that is the mascot of you-know-who’s insurance company. On top of that, there are so many different types of insurance companies that it makes it nearly impossible to decide which is the best type of
Jun 15, 2006 - 10:22:00 PM
Car Insurance How do I File a Claim?
There are several steps to take when filing a claim with your auto insurance company. If involved in an accident, first, remember to exchange information with the other driver. You’ll need the other driver’s name, address, phone number, and their insurance provider and phone number. Secondly, take down the names
Jun 14, 2006 - 10:25:00 PM
Tips For Driving Down Auto Insurance Rates
Analysts say the rates for six months of comparable auto insurance coverage from different providers can vary by more than $500. That's why it can pay to do a little shopping before settling on an insurance company. Fortunately, there are a number of ways to make shopping for and buying
Jun 14, 2006 - 9:00:00 PM
Will Your Auto Insurance Weather The Storm?
Severe storms can cause enormous property damage to your home. They can also do the same thing to your car. With storms getting worse, what can you do? Take a look at your insurance policy. "Too often, people don't notice they lack certain types of coverage until they try to
May 25, 2006 - 8:46:00 PM
Car Insurance : How much coverage do I need?
When it comes to dealing with auto insurance, the less you have the more you will end up paying for any damages or incidents on your own. The more coverage you have, the better chance you will be covered if involved in an accident. Though there is no firm law
May 16, 2006 - 10:36:00 AM
Hard-to-Find Car Insurance
There are a few reasons why a person would have difficulty finding car insurance through a regular insurance company: not driving long enough; having a car so new there is no insurance record or a high performance vehicle; living where there is a high amount of crime; and too many
May 10, 2006 - 12:55:00 AM
What is Car Insurance?
If someone owns a car, they are more than likely to have car insurance: protection that a driver has in case of an accident or theft of the vehicle that he or she owns. In case anything were to happen to that car, truck or Sport Utility Vehicle, car insurance
May 7, 2006 - 9:22:00 PM
Dealing With Difficult Car Insurance Claims
Because state laws dictate how long insurers have to settle a claim, it could leave a person wondering if they'll ever be able to move on with life after an accident. The words “as soon as possible” just don't settle nerves when it comes to car insurance claims. If you
May 7, 2006 - 8:56:00 PM
How To Handle Auto Claims Efficiently
An accident can take seconds to occur but overseeing the entire claims repair process may take days. Traditionally, drivers have been responsible for reporting the claim, arranging for the rental car, getting estimates on the repair work, checking with the shop to see when the work will be done, inspecting
Apr 11, 2006 - 6:34:00 PM
How to Save Money on Your Automobile Insurance
There’s a saying: “Ask and you shall receive.” That’s true about a lot of things in life, including saving money on auto insurance. The premium you’re charged can vary dramatically depending on the coverage you request; the kind of car you drive and your driving record. You may not realize
Feb 1, 2006 - 9:16:00 PM
Safety = Savings: Save Money on Your Car Insurance
How Smarter Cars and Drivers Can Lead to More Money in Your Pocket. The number of auto accidents is decreasing -- and that’s a trend both drivers and auto insurance companies are happy about. As a result, many consumers could see a decrease in their auto insurance premiums this year.
Nov 9, 2005 - 10:52:00 PM
How Highly Effective People Save Money On Car Insurance
You can spend hundreds of dollars on books, tapes and seminars to help you become more effective at managing your time and money. And while those may be investments you're willing to make, here's a free and simple way you can save time and money when it comes to your
Oct 27, 2005 - 11:06:00 PM
FOURTEEN SOLID MOTOR VEHICLE ACCIDENT INSIGHTS
Every driver should always have the following 5 items in their vehicle at all times !
Oct 26, 2005 - 11:35:00 PM
Understanding Your Auto Insurance Claim
If you are involved in an accident it is important that you know the proper procedure for filing an insurance claim. You will most likely need to deal with one or more adjusters who will determine the insurance salvage. Follow these simple tips to make sure you have taken all
Sep 27, 2005 - 11:48:00 PM
Safest Vehicles To Insure - Small Car Category
When the makers of small cars finished building their latest models, they may have the little but deadly creatures on their mind because their products were designed in congruence to the little insect's capability to be powerful and ferocious in spite of its size. In today's contemporary society, the makers
Sep 27, 2005 - 11:36:00 PM
Auto Insurance Fraud - How To Know If You Are A Victim
Auto insurance fraud is dramatically on the increase. Non-profit sites like the Coalition Against Insurance Fraud report that auto insurance fraud costs in the region of $12.3 billion or more each year. What's more it is a very lucrative business for the criminals. But how is this type of fraud
Sep 27, 2005 - 11:30:00 PM
Ways to Save on Auto Insurance
The American economy is sucking a lot of money out of consumers’ pockets due to high gas prices and the general increase in every other consumer good from food to clothing that is associated with high oil prices. However, there is good news on the horizon, and that is that
Sep 27, 2005 - 11:25:00 PM
Factors That Affect Your Car Insurance Premium
Many factors affect the premium you will pay for auto insurance.Each is a statistically based risk for a specific population. The higher the risk associated with a person, the more he or she is likely to pay for coverage. We have elaborated on some of the risk factors below, but
Sep 26, 2005 - 8:37:00 PM
Seven Steps to Filing Your Car Insurance Claim
Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Using the following seven steps to filing your claim will help you
Sep 26, 2005 - 8:33:00 PM
Personal Injury Specialist - A Priceless Asset!
A personal injury specialist is a priceless treasure to anyone suffering from an accident injury. When you are hurt, you know you deserve reimbursement of monetary value to cover your losses. But you have enough problems with your health, so you wouldn't like to handle the claim all by yourself.
Sep 26, 2005 - 8:31:00 PM
Finding The Right Car Insurance For You
You may be sitting on big savings. If you're stuck in an auto insurance rut, simply letting your current policy renew and renew and renew, you could benefit from checking if you could achieve significant savings by switching to a new company. A good time to switch policies is within
Sep 20, 2005 - 7:21:00 PM
Understanding Your Auto Insurance
Reading auto insurance policies can be like trying to decipher advanced calculus. It's really not that difficult if you understand a few basic terms. Collision, Comprehensive, Bodily Injury Liability and Property Injury Liability are the main terms you need to fully understand.
Sep 18, 2005 - 12:17:00 AM
THE BALDYGA AUTO ACCIDENT SETTLEMENT EVALUATION FORMULA
It’s 8:00 AM on a Thursday and a clear, dry day. You’re on your way to work in your motor vehicle proceeding North on Main Street in your home town. You’re 64 years old and the assistant manager of a local video store. Fred Fuddle is a chronically unemployed local
Aug 30, 2005 - 10:10:00 AM
YOUR CARS AFTER-IMPACT DIMINISHED VALUE
The Actual Cash Value Policy does not insure the property itself but the VALUE of the property. When the insurance company chooses to 'Repair' the damaged insured property such an election DOES NOT relieve that insurance company of their contractual duty to restore the Pre-Loss VALUE of the motor vehicle.
Jul 27, 2005 - 12:22:00 PM
RECENT DEVELOPMENTS REGARDING CAR ACCIDENT INSURANCE CLAIMS
In 2003 more than 25% of automobile accidents resulted in bodily injury claim. Plus, in a 2004 study (executed via Trends In Auto Injury Claims) it was stated, Personal injury claims remain high. Records indicate that many people involved in automobile accidents, are embarrassed to seek medical attention because of
Jun 29, 2005 - 3:40:00 PM
Hidden Ways To Cut Car Insurance
Consumers are countering rising gasoline prices and other vehicle operating costs by capitalizing on lower auto insurance rates, according to leading insurers. Auto policy costs and regulations vary significantly from state to state, but there are a number of areas that consumers are able to control and adjust to optimize
May 25, 2005 - 12:38:00 AM
Car Insurance Premium Factors: Multiple Cars, Car Type, Driving Distance, and Location
Car insurance companies take many factors into account when determining what premiums the insured will pay. Everybody does not pay the same premium. You pay a premium based on what the company assesses as the possible risk you pose. Are you a driver who is likely to file a claim?
May 20, 2005 - 3:24:00 PM
Your Record, Age, Driver Education, and Car Equipment
When insurance companies determine what premium you will pay for car insurance, they take into consideration a variety of factors, including some things like the type of car you drive, how far you drive and what area you live in. Also taken into consideration are personal attributes the insurance company
May 20, 2005 - 3:21:00 PM
Types of Car Insurance Coverage: Uninsured/Underinsured Motorist
Car insurance is one of those things necessary in today's world. While many states require proof of insurance before a car can be registered, not all states have this requirement. Some states, while they require liability insurance at the very least, do not actually enforce this law until there is
May 20, 2005 - 3:19:00 PM
Types of Car Insurance Coverage: Collision and Comprehensive
Driving a car naturally involves many costs beyond the initial purchase: gasoline, repairs, regular maintenance and, of course, insurance. There are many different types of car insurance coverage, and two of those kinds are collision and comprehensive. Each type of coverage comes with its own benefits.
May 20, 2005 - 3:16:00 PM
Types of Auto Coverage
The law is that as long as you own a car you must have insurance. In 2001 and 2002 auto insurance premiums rose drastically. The fact that the emergence of baby boomers into late middle age is lowering accident rates and cars are becoming safer is helping to lower the
May 20, 2005 - 3:15:00 PM
Why You Must Review Your Car Insurance Carefully Every Time You Move
Many people will never think to take another look at their car insurance when they move or change neighborhoods. And yet this is a useful thing to do. It could end up saving you a lot of trouble later. Most of us are unaware that there are many factors that
May 20, 2005 - 3:13:00 PM
Saving Money on Car Insurance
There are many different types of car insurance in existence today - from general liability to collision to comprehensive and beyond - the simple fact is that drivers are required by law to maintain some level of coverage. However, it can also be an expensive endeavor, especially in a time
May 20, 2005 - 3:12:00 PM
Important factors to consider before purchasing car insurance
Because it is a legal requirement to have car insurance, all that most people do is look for ways to hurriedly obtain insurance for their cars without giving much thought to the sort of car insurance that they are obtaining or the finer details of the car insurance that they
May 20, 2005 - 3:10:00 PM
Finding the Right Auto Insurance Policy
If you know what type of coverage you are looking for or if you are looking for the best deal on auto insurance then you need to know how to look for the best offer. If you have had any accidents or moving violations on your record within the last
May 20, 2005 - 3:08:00 PM
A Look at Car Insurance Coverage
Anyone who drives a car knows that auto insurance is an unavoidable cost of driving. It can be very expensive, or relatively painless, depending upon the kinds of coverage you choose, and rates your driving record makes you eligible for. While different states require different types of coverage, one type
May 20, 2005 - 3:06:00 PM
Get the Best Car Insurance Quotes. A Look at Car Insurance Coverage
Liability (Bodily Injury)
Anyone who drives a car knows that auto insurance is an unavoidable cost of driving. It can be very expensive, or relatively painless, depending upon the kinds of coverage you choose, and rates your driving record makes you eligible for. While different states require different types of
May 20, 2005 - 2:00:00 PM
HANDLING YOURSELF AT YOUR MOTOR VEHICLE ACCIDENT SCENE
You were struck and it’s clearly not your fault! If at all possible, don’t remove your vehicle until the police arrive, allowing them to ensure whatever evidence may be important. THE EYE WITNESS: If you have a pad and pen with you it’s not a good idea to ask, “Did
May 13, 2005 - 11:49:00 PM
Tips For Curbing Insurance Costs
There are ways people can drive down the cost of their auto insurance. One of the fastest-growing auto insurers in the U.S. offers these tips:
May 10, 2005 - 9:50:00 PM
How to Put More Muscle in Collectible Car Insurance Policies
Baby boomers are notorious for spending big bucks on things that remind them of their childhood. Old Spiderman comic books, memorabilia from television shows like The Brady Bunch and All in the Family, and muscle cars -- with their small bodies and big engines -- are among the more popular
May 3, 2005 - 8:13:00 PM
Small Print Can Make A Big Difference in Collision Repair
The small print in your auto insurance policy can make a big difference if you need to have collision repairs made to your vehicle-especially if parts need to be replaced.
Most policies written by insurers are carefully worded when it comes to replacement parts. You are likely to find that
Apr 29, 2005 - 12:16:00 AM
CAR ACCIDENT INSURANCE CLAIM IMPACT RESULTS OVER THE LAST 4 YEARS
In the year 2002 nonfatal accidents affected 23.7 million individuals who were forced to obtain medical attention for an injury. That comes to about 1 in 12!. In 2002 Motor-vehicle crashes were the most costly workmen’s compensation claims. Insured‘s “Reported” crashes of a motor vehicle (when American’s were on-the-job and/or
Apr 13, 2005 - 11:28:00 AM
DRIVING OUR MOTOR VEHICLE WHILE FIGHTING TO STAY AWAKE
While on a trip, or even close to home, we all want to keep driving for as long as possible yet nobody, in their right mind, wants to be a threat to ourselves (or others) because we’re too sleepy to operate our motor vehicle. Self-awareness of our sleepiness is the
Mar 23, 2005 - 9:59:00 AM
YOUR INSURANCE CLAIM MEDICAL INSIGHTS AND EXPENSES
There’s nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the “pain and suffering” you were forced to deal with when your motor vehicle got smashed into.
Feb 16, 2005 - 9:30:00 PM
GETTING REIMBURSED FOR YOUR 'PAIN AND SUFFERING'
You’ve had a motor vehicle accident some time ago when a local character by the name of Fred Fuddle smashed into your rear end but now you're in the home stretch with his Adjuster, I. M. Strong, and you’re going to be paid for your loss by Strong’s employer, Rock
Feb 16, 2005 - 9:26:00 PM
SIX CRUCIAL INSURANCE CLAIM POSSIBILITIES
There are dozens of insurance claim possibilities which will increase the dollars awarded you in the settlement of your personal injury claim. Some of them rarely see the light of day but some do. The six I’ve listed below are crucial for you to be aware of as you prepare
Feb 16, 2005 - 9:24:00 PM
DEALING WITH HENRY HARD-NOSE THE TYPICAL INSURANCE ADJUSTER
Most adjusters function like Henry Hard-Nose of Rock Solid Insurance Corporation. They’re thick skinned and difficult to deal with. Below is a typical verbal exchange a month or so after you and Hard-Nose had last met in an attempt to settle. At that time he had taken the position that
Feb 16, 2005 - 9:21:00 PM
SPECIAL FOR THE READERS OF CAR JUNKY
I've recently been asked by several readers of Car Junky how they can be positive they really got all the money due them by the insurance company? I'm absolutely confident that BASE (The Baldyga Auto Accident Settlement Evaluation) Formula, found in my book, will provide them with the info they
Feb 16, 2005 - 9:19:00 PM
MOTOR VEHICLE ACCIDENT FACTOIDS
Motor vehicle accidents, personal injuries and insurance claims are here to stay. No matter how far into the 21st Century American’s elect to drive (unless by the beginning of the 22nd Century we’re all zipping around in our own personal space ship) motor vehicle accidents will continue to pile up;
Feb 16, 2005 - 9:16:00 PM
REGARDING IMPACTS AND INJURIES
At the end of 2002 it was determined that in the good ole‘ US of A, there were approximately 12.3 million motor vehicle accidents involving over 21 million vehicles. This amounts to a little over one crash per second. Let’s take a look at four of the most common of
Feb 16, 2005 - 9:13:00 PM
YOUR MOTOR VEHICLE ACCIDENT CLAIM RE: YOUR LOST WAGES
A couple months ago you were toolin' on down the avenue, minding your own business, when out of nowhere, this fumbling, stumbling individual by the name of Freddie Fuddle flew through a Stop Sign and plowed into you with a gigantic, rip-roaring, screeching broadside. You were wearing your seat belt
Feb 16, 2005 - 9:09:00 PM
OUTSIDE PRESSURES ON ADJUSTER HENRY HARD-NOSE
Adjuster Henry Hard-Nose is not without outside pressures he must deal with every day. You should be aware of the most important of these because if understood they’ll put money in your bank. The first of these is your State Department Of Insurance. Every state has a Department, or Commissioner,
Feb 16, 2005 - 9:08:00 PM
PLACING A VALUE ON YOUR PERSONAL INJURY CLAIM
Your doctor has released you from treatment from your motor vehicle accident and enough time has passed so you’re about to position yourself to sit down with Adjuster Henry Hard-Nose. His employer is Rock Solid Insurance, the company who insures Fred Fuddle, the clown who plowed into your rear end,
Feb 16, 2005 - 9:05:00 PM
THE TYPICAL MOTOR VEHICLE ACCIDENT “WHIPLASH-TYPE” INJURY “
Every day a gazillion cars zoom along Americas highways and that number continues to increases at an incredible rate of speed. We’re all in a hurry. We drive too fast, follow to close and don’t pay attention anywhere near as much as we should. Because of this, year in and
Feb 16, 2005 - 8:57:00 PM
2003 & 2004 ''INJURY FACTS'' REGARDING THE TYPICAL LOW SPEED IMPACT
published 2003 & 2004 publications prove (beyond the shadow of any doubt) that Low Speed impacts are those that take pace at speeds under 10 MPH.
There?s often little (if any) visible Property Damage done to the rear of ones motor vehicle. However, those who are struck (especially in the
Feb 16, 2005 - 8:53:00 PM
INSIDE-INFORMATION REGARDING YOUR MOTOR VEHICLE ACCIDENT INSURANCE CLAIM
Here’s some “Inside-Info” you must know so you won’t be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT’S OWED TO YOU !
The following 8 are just “The Tip Of The Iceberg":
Feb 16, 2005 - 8:50:00 PM
INSURANCE CLAIM SETTLEMENT INSIGHTS
How the liability system actually works, in the world of insurance claims, is a joke because what America’s motor vehicle law’s are supposed to accomplish often has little (if anything) to do with reality!
DEFINING NEGLIGENCE AND FAULT: Negligence, for the purpose of a motor vehicle insurance claim settlement, can
Feb 16, 2005 - 8:47:00 PM
When There's No Other Driver To Blame
If you assume your next auto accident will be the other driver's fault and his or her insurance will cover your expenses, you could be in for a few surprises.
According to the National Highway Traffic Safety Administration, there's a good chance that you could be involved in an accident
Feb 15, 2005 - 10:06:00 PM
Counteract High Gas Prices By Lowering Your Auto Insurance Costs
With gas prices hovering around record highs, what are you willing to do to save money? Half of the people responding to a recent survey said they're rethinking how much, where and what they drive. Of the 1,000 drivers surveyed, 50 percent said they would change their driving habits as
Feb 15, 2005 - 8:29:00 PM
Five Things You Should Know About Auto Insurance
Do you know how well your auto insurance policy would cover you, your vehicle or a third party if you were involved in an accident? Are you carrying enough or even too much coverage? According to a survey done by the Progressive group of insurance companies, most consumers don't take
Feb 11, 2005 - 7:12:00 PM
Car Insurance Claim Settlement Insights
How the liability system actually works, in the world of insurance claims, is a joke because what America’s motor vehicle law’s are supposed to accomplish often has little (if anything) to do with reality!
Feb 9, 2005 - 3:40:00 PM
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