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 make a claim," says Ron Berry, senior vice president of the Council of Better Business Bureaus. In fact, the number of reported claims for vehicle losses due to severe storms...more
As the population continues to grow, more cars and drivers hit the highways. With so many vehicles on the road, crashes are inevitable. Automobile Insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy?Auto insurance is required by law in all states and protects you by paying for damage or injury you cause others while driving your car; damage to your car or...more
I don't sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent broker. Many of my clients who have been seriously hurt in a car accident were struck by someone who had no insurance or only the minimum liability insurance coverage, which is $25,000 in New York and much less in many other states. Unfortunately, many of my clients were sold insurance policies with liability limits of $100,000 or $300,000, but were not sold matching uninsured and underinsured coverage. Just this week, yet another new client had this problem. My client was a pedestrian crossing the street when she was struck by a car which fled the scene. The driver was caught shortly after leaving the accident, but the owner of the car only has the New York State minimum liability insurance of $25,000 and my client has serious injuries consisting of many broken bones including a fractured arm, leg and skull. My client owns a car with liability insurance limits of $300,000, but she purchased the insurance from GEICO...more
Does buying from the most expensive company mean you are buying the best coverage? Generally, a good deal is a state of mind. As long as you are happy, with the amount of coverage, you have and how much you paid for it, you got a good deal. For each person, the amount of coverage they need and what they can afford to spend is usually a different...more
Although these days it's pretty easy to arrange your car insurance online, comparing quotes at the click of a button and paying by credit card for instant cover, one ever present difficulty still remains: the high cost of insurance policies. The fact that having car insurance in place is both a legal requirement and a sensible idea doesn't detract...more
Most people who own a caravan avoid taking out caravan insurance to reduce their expenses. Some owners may reap short-term benefits, however in the long run this could prove to be expensive. If you have decided to get insurance for your caravan, it is important that you get the right insurance policy. To avoid future loss it is imperative that you identify the right insurance policy. Here are a few tips that will help you in getting the right insurance policy and will help in preventing future loss. Geographical area of useMost insurance companies require details on the areas in which the caravan in likely to be used. Some caravans may be used only in United Kingdom, while others may also be used in other countries. Make sure the insurance policy covers all places were the caravan is likely to be used. Some insurance companies offer insurance policies that cover the caravan travelling aboard only for a certain period. Once the period is over, the insurance cover on the caravan lapses and the insurance company is no longer responsible for the loss sustained by the caravan owner. So make sure you check all policy details before you take an insurance policy.Coverage providedMake sure...more
Caravan insurance cover protects your prized caravan and all its contents. Though not a legal requirement, the policy is important to ward off possibilities of financial losses due to accident, theft and other mishaps. There are a number of factors...more
Every driver is unique and has their personal reasons for why, when, and how much they drive their car. Because it is the law that you have to have insurance before you drive a car, it is important that you find the best policy that meets your...more
When you own a car what easily comes into our minds is car insurance. The law requires insurance for all vehicles. Legal actions will be taken to drivers who dont have car insurance. Sanctions involved paying around $500, 000 for penalties. Not only...more
With the current busy lifestyle that we all have, it could help a lot to have your own car. However, financing your own car can be difficult especially if you do not have any credit history yet or if you have a bad credit history. In this type of...more
If you have low credit scores and poor credit history, it can be a little difficult for you to get an auto loan that quickly. Securing car loan if you have bad credit history is difficult because lending companies would often base the approval for...more
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