Friday, January 19, 2007

Guide To Filing Chicago Auto Insurance Claims

By Marian Rozwenc

Getting into a car accident is an overwhelming time, and filing Chicago auto insurance claims doesn't have to be a complicated process if you know what to do before an accident occurs. Waiting for an accident to happen before learning how to file a Chicago auto insurance claim is never a good idea, since you're worked up from the accident. Take a few moments to familiarize yourself with the process of filing a claim, and if the unfortunate occurs and you are in an accident, you will already know how to go about filing a claim.

There are two types of claims people make; one involves damage to your vehicle , and the other involves injury to people or their property. If you hit a mailbox with your vehicle, you would file a Chicago auto insurance liability claim. If your vehicle is damaged in an accident, you would file a Chicago auto insurance collision claim. If you have cheap auto insurance, it's possible that you don't have full coverage for collision in which case the cost of damages made to your vehicle will not be covered by your auto policy. In your vehicle, you should keep your Chicago auto insurance agent's contact information. This allows you to call them at the scene of the accident for immediate advice and to get started filing the claim.

After you report a claim to your Chicago auto insurance agent, often a claim's adjuster will be called to assess the damage. They will often provide you with an estimate of damage, but keep in mind you can sometimes prove that the amount the adjuster provided is too low by obtaining further analysis by several mechanics if you feel the adjuster reported an amount that is too low to have your vehicle repaired.

After the accident, you might be required to provide further information to support your Chicago auto insurance claim. A medical report, police report, and auto repair receipts are often required as proof of the claim.

If you pay very cheap auto insurance rates, it's possible that you'll have very high deductibles. Deductibles are the amounts you'll have to pay before your Chicago auto insurance policy will pay any money towards your expenses. It works similar to a medical insurance deductible; if your deductible is $500, and your total losses are $1500, than your insurance company will pay $1000 and you will pay your deductible of $500.

This article is free for republishing as long as it will include this resource box. Author of this article, Marian Rozwenc, PhD, is a specialist on the field of auto insurance. For more info go to:

Monday, January 15, 2007

Getting A Car Insurance In The Philippines

By Mike Go

While I do agree that if we can afford it, we should get insured in preparation for incase something 'bad' or 'unexpexted' occurs. However, not all things are worth getting insured for.

Take for example car insurance. Its an absolute must to get a car insurance when buying a brand new car or a luxury vehicle in case of theft or serious damage.

But if you're getting a second hand car worth less than 300k pesos I dont think that paying for that unit's insurance is worth it.

Normally when an accident happens to your car. You take it to the 'talyer' to be fixed and to estimate the cost of repairs. Or you could take it to your car service station.

Depending on your chosen car insurance provider. Most car insurance company will only cover the amount in excess of 5k to 10k pesos. Which is pretty unfair and is one of my greatest gripes about paying for insurance.

For example, if your car insurance policy cover's only damage in excess of 10k pesos. And if the cost to have your car fixed is below 10k, you dont get paid by the insurance agency. If it cost you 12k pesos to fix, the insurance agency will only pay you the 2k pesos. You shoulder the 10k pesos aside from the yearly premiums that you pay.

Ofcourse, there are exceptions to this. If you're livelihhod depends on your car like privately owned taxis, school and shuttle services or delivery vans for your pick up trucks like the popular mitsubishi L300 and the kia ceres. Getting an insurance will probably give you the peace of mind incase of theft. But the value of the vehicle should be taken into consideration before getting the insurance you think you might need.

Thursday, January 11, 2007

Are These Car Insurance Options Worth Taking

By Elizabeth Ogunleye

There are certain options that many car insurance policy holders usually agonize over and are never quite sure whether or not to include.

For instance many folks find it unnecessary to take out comprehensive cover where the car is not brand new or so valuable that should anything happen replacement could prove to be extremely difficult and expensive. Comprehensive insurance usually covers damage to the car that does not involve a collision. This could be caused by vandalism or break ins into the car. Comprehensive car insurance also compensates the car owner should his car be stolen.

In other instances many may feel that collision cover is not of absolute necessity. Collision car insurance pays out for damages to the car as a result of colliding with another car or even object. It also covers somebody in the event of a hit and run accident.

Then there is uninsured motorist coverage, which pays for injuries sustained by a driver who does not have insurance. There are those who may find this strange and unnecessary, but the reality is that although auto insurance is mandatory, there are still those drivers on the road who do not have insurance.

So how does one make a decision on what insurance options to take and which ones to leave out? A useful thing to remember is that insurance is for your protection and therefore issues of budget and trying to cut down on your costs in a very big way should not come in. If they are allowed to dictate your decision over these matters then chances are that you could end up paying a very high price for this mistake one day. A useful rule of thumb is to ensure that you are adequately covered and protected against any eventuality no matter how slim the chances of it ever occurring are.

Read more on making critical car insurance decisions.

Monday, January 08, 2007

Tips On Buying A Used Car

By Dennis J James

The most important thing you should remember when you go in search of purchasing a used or even a new car is that the person selling the car wants to sell the car. They may not come right out and lie to you about the car in question; however, they may not mention any problems if you do not ask and yes some may even lie to rid themselves of a lemon.

The number one thing you should do before searching for a used car is to know what type of car you would like or at least have some models and types in mind. You can search online or talk with car dealerships to learn what the price might be for the make and model of the car you are seeking. You can even look up the car in the NADA to learn what the car is worth by year, make, and model. This is a good estimate on what you would get if you traded that car in to a dealer. Okay, now you know how much money you need for the different cars you have in mind.

Now, where do you go to find out about reliability and other factors for this car? You can search online for reviews at car forums, with consumer reports, or chat with others that have the car now or owned one at sometime. Ask pertinent questions such as what parts were replaced, gas mileage, and even questions regarding comfort.

It is always in your best interest to take any used car to your own mechanic prior to purchasing instead of going on your love for the car. Just because you have always dreamed of owning a 1962 corvette and the one you found looks awesome, does not mean that it is mechanically sound.

Pop open the hood, look for worn hoses, wet spots on the engine, and look for corrosion around the battery posts. You may not be able to tell much this way but you will at least get an idea if you may have to change hoses, battery cables, or if there could be a leak somewhere such as coolant or oil. When you take the car on a test drive, listen for any unusual knocking, hissing sounds or other noises that you are not familiar with, and then when you talk with your mechanic he may know what these sounds might be. Check that the lights work properly low and high beams, brake lights, turn signals, horn, air-conditioning and heating system. You may not be thinking about staying warm if the temperature outside is 95 degrees, but you will really enjoy a warm car when the north wind starts blowing.

Many times if you are purchasing a used car from an individual you will not have any type of warranty, however, if you purchase through a dealer you should get some type of warranty. Many times, this warranty will be for a certain amount of months or miles put on the car. In most cases, the warranty will state exactly what items are under warranty such as the engine or transmission, for a certain amount of months and the dealership will cover all parts and labor. If the warranty only covers the transmission, then it does not cover replacement of a water pump, fuel pump, or other parts to do with the engine and the same applies for any limited warranty.

Also with a dealership instead of an individual, you may be able to apply for a payment plan if you would rather pay monthly payments until the car is paid for. Many times, you will need a down payment or good credit in order to receive a loan. You should however, be careful when applying for a loan of any kind. Be sure that you are getting the best deal around. You may be able to apply for a personal loan at your bank and receive better interest rates than you would at a car dealership.

Another thing to remember is to shop around. If you found one car you like, you will more than likely find another that is the same or better and you may be able to find it for less money or in better condition.

When you are ready to purchase, read the total agreement. Do not just glance over the large print. Be sure that you understand everything in the agreement and if you do not - ask. It would be best to learn upfront if your warranty will end before you have the car paid off.

Dennis is the owner of Mr. Car Quote and will help you find the best New and Used Car price quotes.

Thursday, January 04, 2007

Car Insurance - Use the Internet to Get the Best Quotes

By David Hunter

Before buying a car insurance policy everyone has to check the Internet for the fresh insurance quotes. The web is the best place for shopping around, when it comes to car insurance. Getting car insurance quotes online is a convenient, but sometimes a bit of complicated task, so you have to spend some time, before you get the best deal, that suits your needs. However, your efforts will be greatly rewarded not only because you can get the cheapest quote, but also that many insurance companies offer special discounts for those who buy insurance online. Thus you can save quite a substantial amount of money.

Another reason why you should use the Internet for getting insurance quotes is that insurance market is flexible and it’s quite difficult to observe constantly changing circumstances. But when you search for quotes on the web you can get information from different sources, different companies and different brokers in a relatively short period of time.

Try different ways of search, when looking for insurance quotes on the web. Use popular search engines along with insurance specific directories. Try different keywords in your search queries; use your area specific keywords along with general search terms. For instance, if you live in San Diego then you can type a search phrase like “car insurance in San Diego” or something like that. On the other hand insurance specific directories provide you with categorized lists of insurance companies. This can help you greatly in your research, because you just have to look through a specific category rather then browsing through the whole directory.

Always get quotes from three or more insurance companies, so you can compare them. Pay attention to a company’s credibility history and if you have to make your choice between two insurers then give your preference to an established one rather then to a newly born company.

Although your online research should be thorough, this doesn’t mean you should restrict yourself with a keyboard and a mouse. Instead, ask you friends for their opinion about the companies you’re planning to deal with. May be they can suggest you an insurer you haven’t heard about or share their experience. Probably they can give you a good advice.

Be prepared to spend a couple of days on searching car insurance companies online. Study these companies, talk to their representatives. If you are patient enough, you’ll save several hundred dollars on your car insurance.

For more information about car insurance visit Sheilas Wheels.