My boyfriend was in an accident a couple months ago, it was the other guy’s fault and the other guys insurance company already sent a check for my boyfriends car which was totaled. He has been going to the chiropractor for the last two months, and we have decided not to hire an attorney because they are so expensive. Niether of us has ever been in this situation before, so how should we go about settling? What should we ask for and how? We are both in college and this accident has caused both physical pain for my boyfriend as well as a tremendous inconvieniance of having only 1 car. Any help would be appreciated.
By car insurance | 9 Comments
My car was stolen from my driveway, the car was located the next day in a pond. Front body damage, smashed window glass, front tires flat, the front half was submerged but not completely over the engine and up to the cup holders inside. There is water in the oil and the gas cap was off so something probably happened there. The flat tires were completely bald so I am sure there is clutch damage. The insurance company is coming to get it and take it to a savage yard for assessment of the damages. Either it’s totaled or not but either way I am sure I will not get what it’s worth, it’s their business to make money. What can I do to be prepared? How do they determine the value? The car had upgraded stereo, exhaust, tint, iPod adapter, etc… All electronic equipment was stolen. It’s a 2000 Honda Civic EX coupe in excellent condition. Thanks for any help you can give.
I have looked at NADA, there is a resale, retail, trade-in, etc… Which one? You can’t buy that car in this area for what they have it listed. I have checked everywhere I can on-line and the same car is going for $1000 more than the NADA average.
I am not looking to get rich, I simply want to replace this car. Exhaust, no big deal it was only cosmetic, the ipod adapter was hardwired so the person who took the claim say they will consider it but not the iPod, which is understandable. The car was in excellent condition, EXCELLENT, no dings, no dents, new paint, no holes in interior, non-smoker, blah blah blah…. Thanks for the help you guys, this has shown me what to be prepare for and what to research.
By car insurance | 7 Comments
If you’ve ever gone shopping for high risk auto insurance you probably already know that nine times out of then those words don’t have any business being in the same sentence-unless there’s a “not” involved! Believe it or not, however, finding cheap high risk auto insurance without having to sacrifice the quality of your coverage isn’t as difficult as you think.
There are three things that impact the cost of your high risk auto insurance:
1) You as a person
2) You as a driver
3) Your auto
You’d be surprised at what your high risk auto insurance provider takes into consideration when they’re calculating the cost of your insurance premiums, and you might want to make sure there’s a defibrillator around before you ask what they’ll offer you a discount for. The first thing insurance companies usually ask is how old you are. If you’re a young driver you’re going to be considered a high risk regardless of how talented you are behind the wheel. The good news is, most insurance companies offer discounts for teen drivers with an excellent GPA, since good grades mean there’s a good chance that a) you’re responsible, and b) you paid attention in Driver’s Ed!
For adult drivers where you live, what your credit score is and what profession you happen to work in are going to influence the cost of your high risk auto insurance. You’re probably not going to move or change jobs to lower your insurance premiums (although you might want to make sure your insurance company knows-either of those things might qualify you for a discount), but keeping a good credit score can help lessen the impact of being labeled a “high risk” driver.
For most people their driving history is what left them looking for cheap high risk auto insurance in the first place. Multiple speeding tickets and/or accidents on your DMV history, a conviction for drunk driving or deciding to take up stunt riding will send your premiums through the roof, and many insurers may choose not to insure you at all. Taking a Driver’s Improvement course, either in person or online, puts “brownie points” back onto your driver’s license and lowers their premiums.
The best thing you as a driver can do to bring down your high risk auto insurance premiums is to keep your nose clean. There are very few offenses that aren’t wiped clean off your record after five years, which means if you can keep your record clean for five years you can not only get rid of the “high risk” stamp on your policy folder but might even be able to qualify for a 5 Year Good Driver discount.
Finally, your auto. Expensive cars cost more to insure than second-hand clunkers, so if your premiums are about to send you to the poorhouse you might want to think about changing up your mode of transportation for a while. Cars with extra safety features cost less to insure, and cars that don’t drive very far are at less risk of an accident and therefore more coverage friendly. Higher deductibles and fewer perks also help cushion your monthly payments to make the high risk auto insurance coverage you deserve as affordable as you need it to be.
Any and all of these factors will influence the cost of your premiums and, if used properly, could be the key to finding the cheap high risk auto insurance you’ve been looking for.
Anthony M. Peck is the Senior Developer, Software Project manager and Director of Business Development for QuoteScout.com. For more information on cheap high risk auto insurance visit them on the web at http://www.QuoteScout.com.
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