How to Spot an Auto Insurance Scam

Nov 14, 17 How to Spot an Auto Insurance Scam

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Auto insurance scams are an unfortunately fairly common thing nowadays. This isn’t referring to false car insurance companies, though those are in good supply themselves. Rather, this is in reference to drivers roping other drivers into their insurance schemes to get some extra cash. If you fear scams involving auto insurance in Illinois, here are the most common forms of auto insurance fraud, how to spot them, and how you can fight them. #1. Fake rear ending This is a pretty basic one to notice. This is done by a driver in front of you stopping just short enough to ensure that you bump into them. They will then accuse you of rear ending them, and call the police to get it “sorted out”. This is the most common because nearly every insurance provider in America considers on principle the rear driver to be the one at fault, so it’s very easy to shake some money out of the rear driver. A good way to spot this is to watch the driver in front of them, in case they’re a bit too eager to be close up to your car. Always maintain a safe distance between you and the drivers behind and in front of you. #2. Fake third party When an accident occurs, the scam artist will approach you while you wait on the side of the road. They will pose as a third party insurance official, and ask for your information so they can contact their mechanic, they may even have a tow truck to appear without prompt to add credibility. The solution to this is obvious: don’t conduct business with anyone other than your insurance provider. #3. Fake injury This is also a pretty easy one to pull off, which is what makes it so ubiquitous. When a genuine accident occurs, the other driver will act in pain, in order to get extra insurance money, at your expense of course. While some are more dedicated, most of these scam artists won’t...

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Why You Need Car Insurance

Oct 24, 17 Why You Need Car Insurance

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Car insurance is mandatory when you buy a car. It is a simple, but important fact. If you live in St. Augustine, and are unsure about where to go for auto insurance, read on below before making your decision. #1. Short-term pay/long-term saving Buying auto insurance means thinking long term. There are approximately 6 million car accidents per year in the U.S. alone, according to the national highway traffic safety administration. And one car accident alone is a costly thing to deal with, especially if you are injured in the process. Not only does an auto insurance plan protect you from these crushing prices, but they also protect you from any liability lawsuits. Sure, you’ll have to pay something, but it’ll be significantly less than what you would’ve had to pay otherwise. #2. Time and Convenience saved Sadly, the process of the accident doesn’t end when everyone goes home; it carries on for quite a bit afterward. Without car insurance, you’ll likely be left in the wind, but having it will save you a lot of time and convenience. Your provider can put you in contact with the other driver’s provider to get everything sorted out, find you a nice repair shop, and help you through the steps of the claims process. All of this can be confusing, so the last thing you should want is to go it alone. #3. It’s the law At the end of the day, nearly all states in the U.S. require at least a minimum amount of car insurance, usually in the form of responsibility bonds or liability coverage. Driving without insurance can result in heavy fines and the loss of driving privileges for a certain period of time. Depending on your state, your car may even be towed and impounded, resulting in further fees to get it back. More than any of these, auto insurance brings peace-of-mind. There are many dangerous and incompetent drivers on the road every day, causing many of the millions of accidents that...

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How to Choose Watercraft Insurance in Huntington, IN

Oct 23, 17 How to Choose Watercraft Insurance in Huntington, IN

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There are many different types of watercraft insurance. How you choose your insurance will depend on how much coverage you need for your watercraft. It will also determine the type of watercraft. For example, if you have a jon boat or a small boat with a trolling motor for fishing, you might insure it against damage that can occur. The insurance will cover the value of the boat, but it will only be a few hundred dollars. Therefore, your insurance will not be very expensive. Alternately, if you have a yacht worth millions of dollars, you will insure it against damage, fuel spills, storms, and much more. Assessing the Watercraft First, you have to assess the value and the needs of your watercraft. A small fishing boat will not need very extensive watercraft insurance in Huntington, IN. However, if you are a hobbyist fisher or even a professional, you’ll need a much more extensive coverage plan. Such a plan will cover much more and help you get back on your feet faster. Storms and other natural disasters are typically not covered by insurance. If you want them covered, you need to visit mettleragency.com to see if they will cover your specific needs. Assessing the Risks You need to also assess your risk levels. For example, if you have a speed boat, you will be much more likely to cause damage to your boat or to another boat while you are operating it. Therefore, you might need a more extensive watercraft insurance plan than someone who has a pontoon boat. They are unlikely to cause damage even if they bump into a dock or pier. There are many other scenarios you need to consider. That’s why you should talk with specialists before you make a decision. They’ll be able to advise you on the best insurance plan options for you and your boat. Be the first to...

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Boat Insurance for Your Prized Piece of Property

Oct 18, 17 Boat Insurance for Your Prized Piece of Property

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Owning a boat is like owning a vehicle, you have to take care of it and be responsible. You may even consider your boat as your prized possession. If you do then you know how important it is to make certain it is protected. One way to protect your investment is by having your boat insured. The first step is looking for boat insurance that fits within your requirements. You can find boat insurance in Nassau County NY that is offered by a reputable insurance agency. Protect Your Boat with Insurance Being a proud owner of a boat you want to protect your property. The best way to do that is to get boat insurance in Nassau County NY. Having insurance on your boat can protect you from any financial loss due to theft, damage, or an accident. When talking with an insurance agent they will help you find the best boat policy for your needs. The agent listens to your specific requirements and will work hard in finding an insurance plan that meets your demands. Their goal is for you to obtain the best policy at the best price. It is Important to Have Ample Coverage As a boat owner who values their boat you know how important it is to make sure you have the proper amount of insurance coverage in the event that something was to happen. Accidents can occur at any given time therefore it is best to be safe than sorry. It is essential to make certain that such a valuable investment is covered in case of a mishap. Keep in mind that as with other insurance policies, the premium costs for boat insurance may vary depending upon various factors. Those factors include the location that you live, the age of the boat, type of boat, and your age and gender. If you would like more information about boat insurance, check out Ginsbergagency.com today! Be the first to...

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How to Save Money on Purchasing Auto Insurance in Kyle, TX

Sep 19, 17 How to Save Money on Purchasing Auto Insurance in Kyle, TX

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When it comes to purchasing Auto Insurance in Kyle TX, no one wants to pay full price for their coverage. Thankfully, insurance companies are now more willing than ever before to offer savings to their customers. With this information, individuals will better understand what they can do to save money on their policies. It Never Hurts to Ask It never hurts to ask for discounts when meeting with an insurance agent. If no discounts are offered, an individual always has the right to ask. The worst that can happen is the person is denied their request. There are also other ways of saving on Auto Insurance in Kyle TX. * A person needs to have their insurance agent carefully review the coverage that is being purchased. The state of Texas requires the 30/60/25 level of coverage for personal injury, vehicle damages, and property damages. Individuals can save by having only the minimum level of coverage, but this might leave them unprotected in some areas. * A good credit history is important for saving money on auto insurance. Insurance companies consider a person a greater risk if their credit score is poor. * Those who have other insurance needs are urged to purchase from the same company whenever possible because this can allow them to experience savings due to bundling their policies. * Higher deductibles could lead to savings on premiums. The only problem with taking this route is a person will be required to pay more money out of their own pocket should they be the cause of an auto accident. * If a person will not be driving their car for long periods each day, they can sometimes take advantage of low mileage discounts. It is important a person asks about this to see if they qualify. Meet With an Insurance Agent to Get Started If a driver is in need of an auto insurance policy, it is important they meet with an insurance agent so their needs for coverage and affordability can...

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How to Find Comprehensive and Affordable Insurance Coverage in Magnolia

Sep 15, 17 How to Find Comprehensive and Affordable Insurance Coverage in Magnolia

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Insurance helps offset risks and reduce financial liabilities. People need insurance to protect their finances and quality of life. Learn how to find comprehensive and affordable insurance coverage in Magnolia. Work with a Dedicated Agent The first step is to work with a dedicated insurance agent. This saves time and work because agents can do the shopping around for you. An insurance agent works with multiple companies to find the best deals for each customer’s unique situation. Assess Insurance Needs Each person has different insurance coverage needs. Determine why types of insurance are necessary, such as home and auto insurance. Then figure out the worth of these items to decide a suitable amount of coverage. Know Insurance Requirements People who are mortgaging a home or financing a vehicle may have contractual insurance requirements. Lenders want to protect their financial interests if a loss occurs. Often they mandate lenders to maintain a certain amount of insurance. Compare Quotes An insurance agent can prepare free quotes for customers to conveniently comparison shop for the best policy. Review the quotes carefully. Keep in mind the level of coverage and the deductible play roles in the overall cost of the policies. Consider Variables A high deductible can lower the cost of an insurance policy, but it should also be an amount you can afford to pay if a claim arises. And insurance should be adequate to cover the actual costs in the event of an accident, injury or incident. Paying less is a poor choice if you are unable to cover the deductible or avoid major financial burdens. Comprehensive Coverage Taking the cheapest policy is not always the wisest choice. The goal is to find the most comprehensive coverage for the lowest possible cost. An agent can help you determine the right amount of coverage without spending too much for insurance you may not need. Visit Insurancediscountersoftx.com to find out more about getting insurance coverage in Magnolia that fits your budget and needs. Find out how to save...

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