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Parking Lot Car Accident and What You Need to Know About Insurance

This article tells you what to do and what not to following a parking lot car accident so that you don’t break the law and can protect your finances.

Did you know that one in every five accidents happens in the parking lots? Although most of them are minor ‘fender bender’ types, many drivers don’t know how to handle the situation. Should I report it to the police? Should I inform my insurer? A number of questions crop up following parking lot accidents. The fact that a parking lot is a private property and a unique set of right-of-way guidelines governs it differentiates it from other types of car accidents. Here are four insurance related issues to consider in case of a parking lot accident.

Insurance Cover

Since parking lots fall under the category of private property, accidents that occur in such spots come under the preview of a special type of insurance policy – the collision insurance. Whether you are at fault or not, this policy keeps you covered in both cases. If you are at fault, your insurer will pay for the damages made by you. If you are not at fault, you may file a claim seeking reimbursement for

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6 Things Auto Insurance Hates and Auto Thieves Love

Most folks claim that their car, van, truck, RV, or motorcycle is one the most costly assets they own. Nonetheless it is relatively common for many people to simplify matters for auto thieves.

Don’t make it easy for criminals to make off with your car. Steer away from common mistakes others make so that you will find your vehicle parked just where you left it.

Six Easy Ways to Make Car Thefts Less Easy

1. Never leave your vehicle while the engine is still on.

Though its common practice to warm up your car in the cold weather, resist the temptation to let it stand for even a minimum amount of time without being inside. Doing so just invites the unscrupulous thief to take it and drive off!

2. Never leave your extra car keys within your vehicle.

Auto insurance companies tell us that anyone who leaves a spare set of car keys within their vehicle offers car trespassers looking for loot an opportunity to move one step onward in their crime without problems. Providing the guy who broke into your car seeking objects of value free access gives him one more thing to steal and one more claim to make with authorities – your

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Purchasing the Best Car Insurance

In the past, car insurance was not a necessity, as some people went for it and some did not. However, today an auto coverage policy is one of the crucial things in your life, if you own a car. People need proper coverage, no matter how luxurious or modest their car is.

The way people buy insurance has also changed. In the past, buying a car insurance just meant to meet your neighborhood agent and ask him for it. But now, it is somewhat different, as you have got lots of other options at your disposal from where you can get your vehicle insured, with some entirely new coverage choices.

Buying car insurance: Which method to choose?

When you want insurance for your car, you might be puzzled as from where you should get it. Should you deal with an insurance agent or should you go online? You can choose among different options for getting your car insurance. This includes:

  1. Buying from captive agents
  2. Buying from independent agents
  3. Buying online

People, who prefer personal services and like to form face-to-face relationships, should certainly purchase their policy from an agent. But, since there are different agents, they need to decide which one is the best for them.


Ins and outs of claiming after an accident

iPromptness in reporting an accident is the first step to be taken in filing insurance claims. This is true for all car makes. Remember that claims have to be filed within the specified time limit set by the insurer. This can range between two days and two weeks from the incident but you should check the actual time window from the policy document. Since the objective of filing claims is to ensure that it culminates in successful payouts, adequate preparation is necessary to substantiate the case by taking note of each and every detail that is relevant to the incident. But everything has to be completed within the specified time and in the most accurate manner so that once the claim is submitted, it moves forward without any hindrance. How you can proceed in filing claims has been discussed in this post.

Act responsibly after the accident

If you are involved in an accident, do not try to run away from the scene. Stay calm and move the car to a safe zone before you start assessing the nature of

How the Insurance Companies Want You to Drive in the Spring

You are already aware of the fact that wintertime is known for the most hazardous driving conditions. Now the auto insurance industry is telling you about the dangers of spring. Why? It seems like the season of rejuvenation has its own set of liability risk exposures to deal with as the rain falls and animals awaken form their hibernating slumbers, becoming potential collision targets.

Brush up on your auto and truck skills by reviewing this general safe driving list.

The Eleven steps to Driving Safer in the Spring Time

1. Review your auto policy with an experienced independent agent to make sure your coverage is tailored to your needs.

2. Take good care of your vehicle.

Take advantage of spring’s milder weather conditions to bring your car in for an auto shop check. Have your mechanic assess your fluid level, tire pressure, and suspension and brake systems so that you can drive with peace of mind.

3. Beware of any pedestrian

Spring is the season beckoning us out. It’s when folks actually want to get out of the home and walk. This is certainly the time when drivers need to be more alert than ever for pedestrians crossing their paths.

4. Look out for construction projects

Following winter’s