Geographic location is one of the factors insurers use when pricing your auto policy. Others include, but are not limited to, driving record, claims history, credit history, age, gender, the amount and type of auto insurance purchased and the type of car you drive.
City vs. rural dwellers. City dwellers generally pay more for insurance than those living in rural areas because the likelihood of an accident or theft increases where populations are larger. Weather in your geographic location may also affect your rates. For example, if you live in an area of extreme weather conditions or a remote area where there are few doctors and hospitals, you may pay somewhat higher premiums because it is harder, and more expensive, to get care in outlying areas.
State laws. Those who live in certain states may also pay more for auto insurance because of state laws that require car owners to either buy a minimum amount of bodily injury and property damage liability insurance or to provide financial responsibility before the vehicle can be legally driven on the road. All but three (3) states, Tennessee, New Hampshire and Wisconsin, require motorists to purchase minimum amounts of auto liability insurance.
Highest and lowest rates in 2005. According to recent studies, the five states with the highest premiums in 2005 were: New York, Louisiana, Rhode Island, Maryland and D.C. The five states with the lowest premiums in 2005 were: Maine, Iowa, Vermont, Idaho and Wisconsin.
What to do if you live in a high-priced area. Short of moving, make sure that you are getting all of the discounts to which you are entitled, such as:
* defensive driving and driver education courses for young drivers
* airbags and other passive restraints
* two or more cars on a policy
* your age and annual mileage driven
* policy renewal with a good claims and driving record
* anti-lock brakes
* a parent or family whose young driver is away at school without a car
* cars with automatic daytime running lights
* students with good grades.
Kamis, 15 April 2010
Minggu, 11 April 2010
Reporting Auto Insurance Claims: Car Insurance Claim
Learn the Process to Submit an Automobile Insurance Claim for Collision or Comprehensive Coverage
By Brad Halvorsen
There are two common types of car insurance claims that can be reported for damage to the vehicle that you own.
1. Collision Claim - A collision claim is a car insurance claim for damage to the vehicle that you insure caused by a collision. The collision may have been with any object and is not limited to multiple car accidents. Collision claims include solo car accidents in which the driver may have hit a building, light post or any other object.
2. Comprehensive Claim - A comprehensive claim is for any damage to your vehicle not caused by a collision. Frequently, comprehensive claims are made for theft or vandalism damage. Other Comprehensive Claims include fire damage and flood. Damage caused by impact with an animal is usually also considered a Comprehensive claim.
If you suffer damage to your vehicle, you will need to contact your car insurance carrier in order to start the claims process. Most carriers offer the following methods to report a claim. Here is how to report an auto insurance claim:
1. Contact Your Agent - The majority of automobile insurance carriers sell policies through Agents. The Agent is a brick and mortar business that solicits business on behalf of an insurance company. They operate as your point of contact and you can contact your Agent in order to file the claim. They will ask you for the facts of the loss and details on your damages, at which time they will submit a claim form to the insurance carrier for further review.
2. Contact the Insurance Company by phone - If desired, you can skip contacting your Agent and you can call the insurance company directly. Most carriers place their phone numbers on your bills, proof of insurance cards and websites, so you can easily contact them in case of a loss or damage to your vehicle.
3. Submit a claim through the web - As technology continues to improve; more carriers are beginning to take claims through the web. To submit a claim through the web, go to your carrier's website (for example StateFarm or FarmersInsurance or NationwideInsurance) and click on the "Report a Claim" link. You will be asked to submit information on the policy, facts of loss and damages.
When you are reporting a collision claim, be sure to have as much of the following information on hand as possible.
1. Date, time and location of the accident.
2. The current location of your vehicle and whether it is drivable.
3. Information on the other driver, including name, address, phone number and driver license number.
4. Details on the other vehicles involved, including make and model, license plate and VIN.
5. Auto insurance claim information from the other involved parties, including the carrier and policy numbers.
6. Contact information for any witnesses and law enforcement agencies that arrived at the scene.
If you have suffered a comprehensive loss, the information you need will be a little different.
1. Details on the loss, including date, time and location.
2. The current location of your vehicle and whether it is drivable.
3. In the event of a theft loss, you will need to provide mileage of your vehicle as well as the options and features that your car had. This will assist in the valuation of your vehicle.
4. Contact information on the lien holder (bank or savings institution) that financed the vehicle.
5. Contact information for any witnesses and law enforcement agencies that have information on the loss.
Shortly after submitting a claim, you will be contacted by a Claims Associate who will walk you through the claims process. Do not be afraid to ask the Claims Associate any questions you may have regarding auto insurance claims, your rights and their responsibilities, local laws and anything else they may be able to help you with.
By Brad Halvorsen
There are two common types of car insurance claims that can be reported for damage to the vehicle that you own.
1. Collision Claim - A collision claim is a car insurance claim for damage to the vehicle that you insure caused by a collision. The collision may have been with any object and is not limited to multiple car accidents. Collision claims include solo car accidents in which the driver may have hit a building, light post or any other object.
2. Comprehensive Claim - A comprehensive claim is for any damage to your vehicle not caused by a collision. Frequently, comprehensive claims are made for theft or vandalism damage. Other Comprehensive Claims include fire damage and flood. Damage caused by impact with an animal is usually also considered a Comprehensive claim.
If you suffer damage to your vehicle, you will need to contact your car insurance carrier in order to start the claims process. Most carriers offer the following methods to report a claim. Here is how to report an auto insurance claim:
1. Contact Your Agent - The majority of automobile insurance carriers sell policies through Agents. The Agent is a brick and mortar business that solicits business on behalf of an insurance company. They operate as your point of contact and you can contact your Agent in order to file the claim. They will ask you for the facts of the loss and details on your damages, at which time they will submit a claim form to the insurance carrier for further review.
2. Contact the Insurance Company by phone - If desired, you can skip contacting your Agent and you can call the insurance company directly. Most carriers place their phone numbers on your bills, proof of insurance cards and websites, so you can easily contact them in case of a loss or damage to your vehicle.
3. Submit a claim through the web - As technology continues to improve; more carriers are beginning to take claims through the web. To submit a claim through the web, go to your carrier's website (for example StateFarm or FarmersInsurance or NationwideInsurance) and click on the "Report a Claim" link. You will be asked to submit information on the policy, facts of loss and damages.
When you are reporting a collision claim, be sure to have as much of the following information on hand as possible.
1. Date, time and location of the accident.
2. The current location of your vehicle and whether it is drivable.
3. Information on the other driver, including name, address, phone number and driver license number.
4. Details on the other vehicles involved, including make and model, license plate and VIN.
5. Auto insurance claim information from the other involved parties, including the carrier and policy numbers.
6. Contact information for any witnesses and law enforcement agencies that arrived at the scene.
If you have suffered a comprehensive loss, the information you need will be a little different.
1. Details on the loss, including date, time and location.
2. The current location of your vehicle and whether it is drivable.
3. In the event of a theft loss, you will need to provide mileage of your vehicle as well as the options and features that your car had. This will assist in the valuation of your vehicle.
4. Contact information on the lien holder (bank or savings institution) that financed the vehicle.
5. Contact information for any witnesses and law enforcement agencies that have information on the loss.
Shortly after submitting a claim, you will be contacted by a Claims Associate who will walk you through the claims process. Do not be afraid to ask the Claims Associate any questions you may have regarding auto insurance claims, your rights and their responsibilities, local laws and anything else they may be able to help you with.
Progressive Home Advantage® Making Our Auto Customers Feel More at HomeSM
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Protect your apartment or rental house — and your possessions — with renters insurance from Progressive Home Advantage*. Renters insurance covers damages to your possessions when you rent rather than own your home.
If you already know what kind of renters insurance policy you need, get a renters insurance quote today!
What is Renters Insurance?
If you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord’s policy doesn't cover.
Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:
* Personal property (furniture, electronics, computer equipment, clothing, etc.)
* Personal liability if someone is hurt, whether in your home or away from it
* Damage to your apartment or home caused by a covered loss
Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered if it’s affected by any of the following:
* Fire
* Smoke damage
* Theft
* Collapse of the building due to weather
* Water leakage or overflow
* Freezing of plumbing, air conditioning and more
Renters insurance will protect you from incidents that occur while you're at home, too, such as a toaster catching on fire or a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people's injuries or damages in situations for which you're liable, as well.
You can't rely on your landlord's insurance to cover your valuables — landlord insurance only covers the building structure and not your personal property.
Renters insurance, sometimes referred to as an HO4 policy, can provide the financial protection you need in case your possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling.
Before you shop for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable. Then, get a renters insurance quote and choose the policy that's right for you.
*Insurance policies purchased through the Progressive Home Advantage program are underwritten by leading providers of homeowners, renters and condominium insurance, including Homesite Insurance Group and IDS Property Casualty Insurance Company, depending on your state. These companies are valued business associates that are not affiliated with Progressive, and are solely responsible for claims under insurance policies issued by them. Certain Progressive companies may be compensated as licensed agencies for performing services on behalf of these underwriting companies.
Progressive assumes no responsibility for the content or operation of the underwriting companies' Web sites. Information provided by you to any of these underwriting companies is subject to their Web sites' respective terms of use and privacy policies.
Countrywide average premium 12 months ending 7/8/09.
* email PageSend Page
* Link to PageLink to
* Bookmark PageBookmark
Protect your apartment or rental house — and your possessions — with renters insurance from Progressive Home Advantage*. Renters insurance covers damages to your possessions when you rent rather than own your home.
If you already know what kind of renters insurance policy you need, get a renters insurance quote today!
What is Renters Insurance?
If you rent your home, having insurance protection for yourself and your possessions is still important. Similar to home insurance, renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances your landlord’s policy doesn't cover.
Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:
* Personal property (furniture, electronics, computer equipment, clothing, etc.)
* Personal liability if someone is hurt, whether in your home or away from it
* Damage to your apartment or home caused by a covered loss
Imagine going to dinner or a special family get-together, and when you return home, you're greeted by the flashing lights of police cars and fire trucks. Building fires and damage can happen anytime, anywhere, but with proper renters insurance, your personal property inside your apartment will generally be covered if it’s affected by any of the following:
* Fire
* Smoke damage
* Theft
* Collapse of the building due to weather
* Water leakage or overflow
* Freezing of plumbing, air conditioning and more
Renters insurance will protect you from incidents that occur while you're at home, too, such as a toaster catching on fire or a friend slipping and falling while visiting you. Renters insurance provides coverage for your own items, and it provides coverage for other people's injuries or damages in situations for which you're liable, as well.
You can't rely on your landlord's insurance to cover your valuables — landlord insurance only covers the building structure and not your personal property.
Renters insurance, sometimes referred to as an HO4 policy, can provide the financial protection you need in case your possessions are destroyed or stolen, as well as liability protection if someone is hurt in your dwelling.
Before you shop for renters insurance, take an inventory of what you own to decide what level of coverage makes you comfortable. Then, get a renters insurance quote and choose the policy that's right for you.
*Insurance policies purchased through the Progressive Home Advantage program are underwritten by leading providers of homeowners, renters and condominium insurance, including Homesite Insurance Group and IDS Property Casualty Insurance Company, depending on your state. These companies are valued business associates that are not affiliated with Progressive, and are solely responsible for claims under insurance policies issued by them. Certain Progressive companies may be compensated as licensed agencies for performing services on behalf of these underwriting companies.
Progressive assumes no responsibility for the content or operation of the underwriting companies' Web sites. Information provided by you to any of these underwriting companies is subject to their Web sites' respective terms of use and privacy policies.
Countrywide average premium 12 months ending 7/8/09.
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