Friday, 31 May 2013

Are You Looking for Auto Insurance Online?

Searching for motor insurance can be a nightmare. With so many different companies offering you slightly different insurance plans, how can you tell which one would be right for you? Ringing up companies could take hours and even then you may not find a plan that suits your needs. That is why online motor insurance could be exactly what you need.
Understanding Online Motor Insurance
Online motor insurance is basically insurance that you find online. It is convenient, easy to find and it could potentially save you hundreds of pounds too.
One of the main advantages to applying for your car insurance online is that it is a lot more convenient. Usually when you apply for insurance you have to telephone a number of different companies to get quotes. You then have to go through these quotes at the end to figure out which one is right for you. Once you have a good idea of what it is that you want, you then apply by filling out a form that will have to arrive through the post. You send the form back and you then await a call or a letter to confirm your details. It can take weeks to get insurance sorted out through the post, whereas doing it online takes a few minutes and then you are covered.
By using a specialist broker it can help you to find some of the most relevant, cheap motor insurance quotes to suit your needs. Everybody is different and you need insurance tailored especially for you. A specialist broker will take out a lot of the hassle of finding the right insurance for you. All you will have to do is take a couple of minutes to fill out the online form and then you are finished. No hassle, no lengthy time delays - it really is as simple as that!
Of course one of the best things about applying for online motor insurance is that it is often a lot cheaper. This is because a lot of companies offer discounts for signing up with them online. A specialist broker will work to get you some of the cheapest insurance quotes to suit your needs. So not only is it quick and simple to apply, but it could also save you money too.
What you will Need
Before a specialist broker can help you to find good insurance quotes for you, there are some things that you will need to know.
You will have to know what type of car you want to insure, including its make and model. How many miles you will be doing are also sometimes important and your gender could make a difference too. You should have your personal information ready to type into the form too. If you are not prepared then obviously it will take you longer to apply and it could affect your quote if you do not have the right information with you.
Overall choosing online motor insurance is definitely easier than choosing offline insurance. It is easier to find the right type of insurance cover to suit you and the hassle is taken away from you by a specialist broker. What more could you possibly ask for?

Things to Know About Motor Insurance Claims Process

As per Motor vehicle act, 1988, it is mandatory for every vehicle-owner to get his vehicle insured or else he can be penalized. Getting your vehicle insured is mandatory and it is also equally important to understand the motor insurance claim process so in the event of any accident you can get your claim fast and smoothly.
For what kind of losses one can file a claim under a motor insurance policy?
Third party losses: If some one else has got bodily injuries by your insured vehicle or your vehicle has damaged some one's property, then it is considered as third party loss. Such losses are covered by third-party cover.
Damage to your own vehicle: If your vehicle is damaged in an accident or it is stolen then such losses are covered under own damage cover. This cover is optional and you can get this cover only if you have comprehensive motor insurance policy.
What are the things that one should do immediately after an accident occurs?
Third Party claim: In the case of third party claim, one should immediately inform the police and insurance company about the accident. And if you're the victim then you should obtain the insurance detail of that vehicle and make intimation to the insurer of that vehicle.
Theft claim: In case of theft claim you should immediately inform the police and insurance company and along with it you should also inform it to transport department.
Own damage claim: In the event of an own damage claim i.e. If your own insured vehicle gets damaged in an accident, you should inform the police as well as the insurance company so that it can send a surveyor to assess the loss.
Do not move the vehicle from the accident spot without the permission of the police and insurance company.
Do insurance companies offer cashless facility?
Yes, insurance companies offer cashless facility, provided you go to there network garages. Going to your insurer's network garage is also hassle free option as you don't have to take the hassle of documentation.
But if you don't want to go to network garages of your insurer and want to go to your preferred garage then you also have the option of reimbursement. After getting your vehicle repaired you can get your expenses reimbursed by insurance company, for that you have to submit bills along with all other required documents.
What are the documents required while filing a claim?
Though there may be specific document requirement by specific insurance companies but in general all insurers require some documents such as:-
For accident claims
  • Claim form duly filled
  • Copy of Registration Certificate (RC)
  • Copy of driving license of the person who was driving the vehicle at the time of the accident
  • Photo copy of first two pages of policy document
  • Copy of First Information Report (FIR)
  • Original repair invoice, payment receipt while for cashless garage only repair invoice
Theft claim
  • Claim form duly filled
  • Copy of Registration Certificate (RC)
  • All the original keys of the vehicle
  • Copy of driving license
  • Copy of first two pages of policy document
  • Copy of First Information Report (FIR)
  • RTO transfer papers
  • Final report or No Trace report (if police does not able to find your vehicle within 90 days of the theft then it issues a undertaking that yet they have to find your vehicle)
For third party claim
  • Duly filled claim form
  • Copy of First Information Report (FIR)
  • Copy of driving license
  • Copy of first two pages of policy document
  • Copy of Registration Certificate (RC)
Does policyholder have to bear any expenses on his own?
Yes, policyholder has to bear certain cost on their own:-
  • Amount of depreciation
  • Reasonable value of salvage (if not repaired at the network garage of insurer)
  • Voluntarily and compulsory deductibles
  • Any compulsorily excess levied by the insurer
What will happen if an accident takes place outside the city where policy was issued?
A motor insurance policy remains in force throughout the country. Hence, in such circumstances also you can file a claim.
Will filing a claim will affect renewal?
Yes, if you file a claim then you will lose the entire no-claim bonus that you have accrued.
Should claim be filed for minor accident as well?
It is not advisable to file a claim for small loss because every motor insurance policy has some deductibles (deductible is the part of claim that you need to pay on your own before insurer pay your claim). Hence, before filing a claim for a small amount, first assess what amount you have to pay as deductible and how much no-claim bonus you can get if you don't make a claim and only if it is worth to file a claim then make a claim.
It is advisable that as soon as you receive the policy document, go through the procedure and documentation requirements of the claim thoroughly, rather than to wait for the claim to arise.

Tips How to Get the Best Motor Insurance Quotes

The idea of getting motor insurance quotes is to find the most suitable and the cheapest premium for your insurance. And this can be done by shopping around, asking for several quotes from different insurance companies, compare and then finally choose the best one for you. With these quotes, you may be able to find out what they cover and then decide if that suits your state and personal requirements
Check the web
Finding insurance quote for your vehicle is not that hassle nowadays. It is actually easier and quicker than you may think. With the power of informational technology, getting quotes is just a click away.
When you visit an insurance company website, you will be asked to fill out a form. The form will ask you several questions for them to extract the necessary information needed to compute for your insurance. This includes your motor's model, where it will be parked, safety devices installed, what is it used for and others.
Check the insurance policy
A motor insurance quote will tell you what they cover and the amount that you have to pay for the premiums. Once you purchase a motor insurance, your motor is secured in case of accidents, malicious acts, theft, damaged during transport, etc. You should consider where you live and how you will use it when you ask for motor insurance quotes.
As you read the policy, take note of the things that the motor insurance quote covers. Keep in mind that in the case of accidents and it is your fault, it is your responsibility to take good care of the third party. You need to pay for the damages and their medical bills. You need to find out if the insurance policy covers that.
Lower your premiums
These are the things you need to consider if you want to lower your premiums.
  • Be sure that your driving record is clean for it reflects that you are a low-risk accident driver.
  • Be a responsible driver. Always obey traffic rules and regulations. Practice safe driving.
  • Take defensive driving lessons.

Motor Insurance - For Safety Sake

The motor insurance is actually necessary in the present times as it gives you a lot of benefits, enabling you to drive safely to destination, without worrying about its breaking down. Like all other insurances, motor insurance offer you a good help if you have a foot of a wanderer and your car accompanies you to your trips.
A motor insurance provides a cover that includes the repair of your vehicle while it breaks down during your journey. Also, it makes sure that you are given a substitute automobile or a car hire till the time your car is getting overhauled. So having car insurance would indeed make things easier for you and your vehicle.
One cannot foresee mishappenings, so it is better to prepare yourself for them. In the modern world, motor insurance has been really instrumental in making our lives better. If your car is stolen or you have lost the keys to your car, the car insurance agents would assist you during all adversities. Also, in the case of theft, you can easily claim the insurance amount and can compensate the loss to a certain extent.
The break down cover helps you 24/7 and the area can be UK or some parts of Europe. You can easily be provided with assistance if you face any difficulty with your car within the prescribed area. The helpline team is very supportive and you can summon them at your will.
If you are keen on taking a Motor Insurance scheme, then, you can get a good discount on buying your insurance scheme online. Some insurance companies also give you a discount on the second motor insurance, if you already have taken a motor insurance beforehand.
So, buying a motor insurance is the best gift that you can give to your car and also to yourself.
Adam is a marketing expert who brings the information through articles, press release, news etc.

Secrets Your Auto Insurance Company Does not Want You to Know

Many drivers rely on good faith and may not expect to be forced to sue their auto insurance company in order to receive payment for expenses resulting from a car accident. Typically, most just want to have their car repaired and their medical bills paid.
Unfortunately, the auto insurance attorneys of Michigan Auto Law deal with many car insurance companies on a daily basis that take advantage of their customers by cutting off their benefits without reason or notice. Some insurance companies also put people "under investigation"- the excuse for stopping payment of all medical bills and wage loss. People are being ignored, threatened, intimidated and even lied to by their insurance claims adjusters.
The following are common tactics used by many auto insurance companies to either avoid or minimize their payouts to customers. Suggestions are included on how you can protect yourself to avoid or minimize problems with your automobile insurer.
1. Many restrictions and limitations are buried in your policy's fine print
Knowing how to read and understand the fine print of auto insurance policies is not an easy task. Auto accident lawyers have seen far too many people lose out on important benefits because they were unaware of important filing requirements buried in their policies. For example, many auto insurance policies pose strict notification requirements, such as 30 days notice for hit-and-run accidents. Many contracts have separate conditions for uninsured and underinsured motorist coverage requiring very prompt notice, and insurance carriers can change their policy filing requirements at any time. When car accident victims do not respond to notification requirements on time, they can lose their coverage.
How to protect yourself:
Notify your insurance company immediately after any type of accident. Be sure you have your complete auto insurance policy, including any notification of coverage changes from year to year. This can also include pamphlets or notes that are mailed with renewal statements, reflecting any policy terms and changes. Most policies include declarations, conditions, insuring agreements and exclusions with conditions.
It's also important to check insurance policies for any benefits that overlap with your own health and disability insurance; and to review any additional coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical care for car accident injuries, having a solid understanding of insurance policies can help ensure that health care providers bill appropriately.
If you are confused with your auto insurance policy and have questions, don't hesitate to contact a lawyer who specializes in auto accidents - most are happy to offer advice and guidance for your protection.
2. Insurance agents don't always recommend the best coverage
Following a car accident, there can be numerous issues and challenges navigating health insurance plans, managed care plans, retirement plans such as ERISA, and coordinated/uncoordinated policies. In addition, insurance agents may avoid mentioning important coverage options and applicable discounts due to payout losses or lower premiums that reduce their commissions.
Many people choose to carry more insurance coverage so they will not be personally liable if they cause a serious car accident. However, some people only pay the minimum insurance premium to renew their license plate each year, and then let the auto insurance lapse. Without an uninsured/underinsured motorist policy, a driver or family members severely injured by an uninsured motorist will have no source of legal recovery for their injuries other than filing a lawsuit against the uninsured driver for his or her personal assets. Most people do not have sufficient personal net worth to compensate a person that they have seriously injured.
How to protect yourself:
If you are injured in an auto accident, contact an experienced auto accident lawyer who is best qualified to provide guidance on issues of which insurance is primary, and who will pay medical expenses that are incurred after a crash.
If you carry ERISA health insurance, uncoordinated or primary coverage is the safe move. An insured person with both ERISA and coordinated insurance may end up recovering nothing for their pain and suffering in the event of an auto accident.
Check your insurance policy for uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. If this type of coverage is missing, contact your insurance carrier to add it - the cost is minimal and highly recommended to protect you and your family.
Raising your deductibles to at least $500 or more can also lower your auto insurance premiums by 15 percent to 40 percent. Consider dropping collision and/or comprehensive coverage on older cars. If your car is worth less than 10 times the premium, eliminating those coverages can save you money, unless you still owe money for the car. Finally, if there is any reduction in the amount of miles you drive annually, contact your insurance carrier for quotes on low mileage discounts.
3. Accident Settlement Offers Are Always Too Low
Imagine you just suffered devastating injuries from a car accident and are now recuperating at home, in pain, and worrying about how you are going to pay your bills. An insurance agent knocks on your door with a check for $100,000 for your accident. With the emotional and physical trauma following a car or truck crash, a large amount of money sounds great, and some victims rush into accepting the first settlement offer. Yet determining the value of an auto accident case goes far beyond a simple calculation of injury type, future expenses not covered by no-fault insurance and the wrongdoer's policy limit. Offering to settle is essentially a backdoor approach by insurance companies to saving litigation costs at the expense of an accident victim's right to a full recovery.
How to protect yourself:
It never hurts to call an auto accident lawyer and ask for advice. Many lawyers can explain accident law, what you are entitled to and make sure your own insurance company is paying everything they are supposed to - with no fee or obligation.
4. Releases and Recorded Statements Are Pushed Early On to Overwhelm Accident Victims
Many victims rush into signing adjusters' documents without having the language reviewed by an auto accident lawyer, believing these are just basic verifications of the accident. Therefore, they may lose their right to sue a negligent driver for accident-related injuries. Claims adjusters often try to get recorded statements early, aiming to minimize the victim's pain and injuries for later use in court. Even vehicle damage releases can contain unrelated language that can jeopardize your other claims.
How to protect yourself:
Never give statements to an accident claims adjuster and never sign a release or allow the adjuster to look at the auto damage. Simply tell the adjuster that you need to review the paperwork with your attorney and will get back to them with your response. No matter how desperate you may feel after suffering the financial burden of medical bills, lost wages and disabling pain, involving an auto accident attorney will ensure your rights are protected. Keep in mind that the claims adjuster works for the insurance company, and has its best interest in mind - not the injured victim.
5. Standard practice is to deny or delay claim payouts
Most people suffering injuries from a car accident call their auto insurance company to find out what to do next. They assume that when they follow the process, they will receive fair, timely compensation for injuries resulting from the auto accident. After all, they paid for the auto insurance for that reason - to be covered in the event of a car accident.
Yet many insurance companies engage in common delay tactics including denying claims, not returning calls, placing people on hold for extensive periods, requiring a victim to repeatedly gather records, and passing you from one adjuster to the next. Soon the financial burden of time off work and mounting medical bills drives innocent car accident victims to contact an attorney. Or worse, it makes them desperate enough to accept an extremely low settlement offer, limiting any future recovery of damages.
How to protect yourself:
If you are experiencing these typical delay tactics, contact an auto accident attorney who can assist you with getting your claim processed and the benefits you are entitled to under your state's law.
Bottom Line:
If your auto accident involves injuries to you and/or your family (even seemingly minor injuries), consult an auto accident attorney as soon as possible. Not only will you better understand what benefits you are entitled to, but you will have the peace of mind knowing that you received the full value of benefits and compensation available to injured drivers.

A Necessary Step Before Buy Insurance Policy

In our modern fast paced era, auto insurance is a necessary safeguard to ensure a trouble free relationship with your vehicle, and you must do your best to get a good auto insurance quote. It is extremely important that you grasp what is being insured and what are the conditions if any which exist in the auto insurance quote. However, you must be careful not to confuse an auto extended warranty with auto insurance, since the latter is basically nothing but a vehicle service contract.
Get the Maximum from an Auto Insurance Quote
If you are to get the full value from your auto insurance quote, you will have to understand the terms that are being offered, or else filing a claim when required becomes that much more difficult. There are a great number of insurance dealers who offer you auto insurance quote and other related issues in a very confusing manner. The prices and features that are offered from a broad number of insurance providers can be cross checked and a suitable price decided on when finalizing your auto insurance quote.
Online Auto Insurance Quotes
Auto insurance quotes can also be gleaned from a number of web sites that are related to affiliated issues. Some of the features that you can make use of are:
  • Multiple insurance carriers present instant online auto insurance quotes.
  • Compare and choose auto insurance quotes and policies
  • Very simple forms have to be filled out for local agents to offer you multiple auto insurance quotes.
Time is of the essence and after the purchase of a new or second hand car you do not want to delay getting an auto insurance quote. You are at liberty to go to insurance companies which will almost immediately arrange three auto insurance quote either by telephone or email --- from a nationwide network of professionals dealing specifically with auto insurance quotes. Further, you are also at liberty to visit established sites like to get a comprehensive range of auto insurance quotes. You then have the freedom to compare auto insurance quotes from over 110 companies and thus save up to 70% of your expenses online.
Promotional Auto Insurance Quotes
So far as auto insurance quotes are concerned, you will also have to remain extremely alert about the discounts offered or promotional offers of booklets and gifts. These are all gimmicks to beat competition of auto insurance quotes from other companies. For a good auto insurance quote approach a company that will not only understand your needs, but also provide you with services that are fast and easy. After you have accepted their auto insurance quote, the registration methods as well as the terms and conditions ought to be fairly simple - so that your time is not wasted.
After buying your auto insurance, one very important question to ask is - do you know what exactly your auto insurance quote covers and its limits and exclusions? This all must be clear before you accept an auto insurance quote. Thoroughly check out these points before finalizing the auto insurance quote of your choice ---
  • liability coverage
  • comprehensive insurance
  • your duties after an accident.

Do you always need to buy auto insurance after purchasing a vehicle? The answer is absolutely in the affirmative. Auto insurance can in no way be regarded as a luxury; it is most definitely and without any doubts a necessity. So select your auto insurance quotes with care and wisdom.

The Best Motor Insurance Quotes

Put at its very simplest, the best motor insurance quotes are not always the cheapest quotes. Like many consumer choices, paying the lowest available price can prove an expensive false economy, landing you with a product that lets you down when you need it the most. With a financial services product like motor insurance, being let down by your insurance cover can be costly indeed.
The "best", therefore, will be not so much a question of the cheapest motor insurance available, but the best value for money. That also sounds a fairly straight forward business, of course, until you realise that there are over a hundred insurance providers all offering a range of different insurance packages for your car. Choosing the best motor insurance quotes, therefore, will depend on your selecting the package that includes all the features - and only those features - that you actually want.
If your preference is for basic third party or third party, fire and theft cover, then your choice is relatively simple. There will be little variation between what is offered by competing products and it should be possible to be guided by the question of price.
Comprehensive insurance policies, however, can offer a quite bewildering array of both fundamental core features and a range of optional extras. One of the most popular, for example, is the provision of a courtesy car if your own is involved in an accident and needs to go into the garage for repairs. Arrangements vary from insurer to insurer and are typically limited by the requirement that repairs are carried out by an insurer-approved repairer. In any event, this service is something that the customer will be paying for by way of a slightly higher premium, so it is important that the cost is taken into account when comparing insurance quotes.
A further variable - that will have an effect on the insurance quote - is the level of compulsory excess attached to any claim under the motor policy. This is the sum that the policy holder will have to bear him or herself in the event of any claim. Once again, different insurers will apply not only different levels of compulsory excess, but also offer various levels of voluntary excess. Clearly, the greater the level of risk taken on by the policy holder him or herself - in the form of a higher excess - the less there will be for the insurer to bear and, hence, the lower the insurance premium that can be offered.
The best motor insurance quotes will also recognise the car owner's own efforts to mitigate any risk of loss or damage to the insured vehicle. For example, does the insurance quote take into account any security alarms or immobilising devices you have fitted to your car as deterrents against theft or vandalism?
In summary, therefore, the best motor insurance quotes will take a lot more into account than simply the price of the premiums - although this will, of course, continue to play an important part in sorting out the best from the worst. Furthermore, if you are having difficulty disentangling all the elements of the packages offered by various quotes, it is always possible to seek the professional, expert advice of an insurance adviser.