Comparing Different Auto Insurance Policies Intelligently

Posted June 27, 2011

Prior to selecting a car insurance policy, you need to be able to understand it fully and completely. There are a number of things that you should take into consideration before making your final selection. Namely, price, service, and reputation and financial stability of the insurance carrier.
No one wants to pay more for their auto insurance than is necessary, and the best way to determine whether your premium is fair is to shop around. Remember also that going with an inexpensive insurer, but one that has poor reputation for service may come back to haunt you should a claim arise. Keep in mind that you may stay with your insurance company for years, so it is wise to invest time now to shop around and do your due diligence.

Do Your Research

Whether purchasing auto insurance online or offline, be sure to do your research on the background and history of the insurance company. Make sure you are looking at a reputable insurance company and ensure that they pay their claims on time, as many insurance companies are known to take excessively long to approve claims. Most state insurance departments will have complaint records on their websites to show consumers which insurers had high complaint rates in your state. There are good and bad insurance companies and if you do the research, you can sort through the ones with a poor reputation or many consumer complaints. While the level of service this does not seem as important as price at the time of purchase, reliable and efficient assistance is of prime importance at time of loss or accident.

Understand the Coverage

This is very important. You want to make sure that you are aware of your state minimum so that you get the insurance that is required by state law. You should also be aware of the coverage that you actually need - most people will want and need more than the state-mandated minimums. For example, if you are leasing or financing your car, your lender or lessor will require collision and collision coverage in addition to the required liability coverages. Understand also that there are ways you can reduce the price of your premium – by reducing your coverage level or raising your deductible. Also, be sure that you are requesting quotes from different insurers for the exact same level of coverage. Otherwise, you'll be comparing apples to oranges.

Request Multiple Quotes

While it may be time-consuming, it is advisable to do your research before selecting a policy to comparison shop. You want to speak with as many insurance companies as you can and receive quotes on policies from as many of those as possible. Different companies charge different rates for the same coverages. The key is to know what you need before you start and to find out how much various companies charge. The more quotes you get, the better chance of getting the best, most cost-effective policy out there. Quotes are completely free. Be sure to have all of your personal information ready including your driver’s license number and current insurance information when requesting a quote.

Check for Applicable Discounts

When comparing auto insurance policies and their quotes, it is important to make certain that you are requesting the same discounts as well as the same level of coverage from one insurance company to the next. The level of discounts you receive from one carrier to the next may make the key difference in which insurance company will be the most cost-effective for you. The below is a list of the most common discounts available for drivers:
  1. Multiple vehicles on the same policy.
  2. Driver Education courses. A discount is given younger and older drivers who can prove completion of a certified driver-training course.
  3. Good Student. Students who earn a B average or better tend to be more responsible drivers and may be eligible for this discount.
  4. Safety Devices. Certain safety devices can result in lower cost by preventing accidents or limiting their severity. Discounts may be available for air bags, automatic seat belts and anti- lock brakes. Proof that your car is equipped with these items must be shown.
  5. Low Mileage. The fewer miles you drive, the less chance you have of being involved in an accident. Some companies offer discounts for drivers who participate in car pools or drive to and from work on a limited basis.
  6. Good Driver/Renewal Discount. Drivers with a good driving record are given discounts by most companies as are those who renew their policy with the same insurer.
  7. Auto/Home Package. Some insurers offer a discount on one or both policies if an individual buys both homeowners and auto coverage from them.
  8. Anti-Theft Devices. The installation of devices or systems that deter theft or vandalism may also qualify you for a policy discount. 

Auto Insurance

Auto insurance is an absolute necessity for anyone who drives a car. The amount of minimal coverage required varies from state-to-state, as well as the types of policies offered and their costs.
There are a plethora of small details that influence car insurance quotes. Some of these details are as follows.
  • Good driver discount- It makes sense that if you are a driver who is constantly getting points on your record, and getting into "fender-benders," then the cost of insuring you is going to be much higher than somebody with a perfect driving record.
  • Good student discount- if you are a good student and can prove it with transcripts, some companies, such as AAA, will offer discounts. It is the belief that a responsible student can make for a responsible driver.
  • Senior discount- if you are a senior, then you are eligible for a certain degree of savings from many companies.
  • Safe vehicle discount- If you a driving a car that is listed as safe, or have made improvements to your car that make it more safe, then a majority of insurance companies will offer discounts on the cost of your coverage.
  • Location discount- if you are living in a small, rural town as opposed to a large, metropolitan city, you are likely to receive discounts to the cost of your coverage.
When it comes time to choosing your coverage options, there are generally a large number from which to choose from, (dependent on location) although for the most part, the basic coverage options stay the same. Examples of car insurance policy categories include:
  • Standard Liability Insurance
  • Underinsured/Uninsured Motorist Insurance
  • Medical Payments Insurance
  • Collision & Comprehensive Insurance
  • What To Know Before Filing an Auto Insurance Claim

    When you are involved in an auto accident and you have to file a claim, you may see your auto insurance rates change. Some drivers don't anticipate these kinds of changes to their policies and others may be entirely confused about whether changes will occur. While auto insurance companies draw up their own rules on policy premium fluctuations, there are some industry standards that can help drivers get a better understanding of what to expect. 

    It Wasn’t My Fault 

    Most auto insurance companies agree that rates shouldn’t go up for drivers who were not at fault in an accident. However, depending on the accident specifics, the state and the insurance companies practices, you could find yourself paying for something you didn’t cause. One thing to note is whether your state of residence has a traditional auto insurance system or a more sophisticated system involving comparative fault. While some states insurance systems simply indentify a primary at fault driver, others try to assign a portion of the blame to multiple drivers in an accident. In fact, experts point out that an insurance company’s claims adjuster is often one of the parties involved in assessing fault. In turn, this means that the “portion of fault” may go directly into your insurer’s computer which can lead to your premium being recalculated. 

    Accident Forgiveness 

    Unless a driver has “accident forgiveness” written into their auto insurance contract, rate hikes are inevitable. Actual accident forgiveness, a relatively new offering by insurers and is hard to get. For the most part this preferential treatment is restricted to members who have zero accidents on their driving record and are considered “preferred customers” either because they have been with the insurer for a number of years or because they have paid extra for a plan upgrade. Unfortunately, this perk can be stripped away after more than one at-fault accident and the insured will receive the same rate increases as regular customers. 

    Level of Damage 

    One unclear aspect of accidents for drivers is whether an accident is “substantial” enough to generate insurance rate hikes. Usually, small fender benders resulting in minor damage with no bodily injuries will not increase rates. However, no matter how small the accident most insurance companies require that the accident be reported. Many times with fender benders, insurance companies will excuse the accident and refrain from raising rates. In the event that each driver in the accident opts to walk away from it without reporting it to the authorities, any and all damage done to ones car is each individual owners responsibility. A good rule of thumb to go by is, unless the damage caused by the minor accident is obviously less than your deductible, it is best to report the accident to the police and your insurance company immediately. 

    Delayed Rate Hikes 

    In some cases, if an accident occurs right before the re-up time, the customer will see a new bill that doesn’t include a rate increase and think that he or she is safe from future hikes. These drivers may be unpleasantly surprised when they see a big increase in their next bill. This happens when drivers choose long-term lump sum payments, either annual or semi-annual billing schedules, for their policies. Drivers can be more informed on how an accident will impact their rates by asking their insurance company rep the following questions: 

    • Was my accident “bad enough” to increase my rates and by how much?
    • Do I qualify for accident forgiveness or other similar perks on my policy?
    • What evidence do I need to provide to prove that an accident was not my fault?
    • If there was a rate increase, when will it show up on my bill?

    Cheap Auto Insurance

    Preventing you from allocating your money the way you want to, auto insurance might be one of your largest monthly costs, but it doesn't have to be. Whether you're young or old, male or female, a good driver or a bad driver: you too can have access to the cheapest auto insurance available. The car insurance industry is overflowing with providers who want your business. There are a number of insurance policies / types of coverage that are required in certain states, however, there are a number of optional coverage policies that can be skipped if you are struggling to afford your monthly payments.
    One of the major factors that affects the cost of your auto insurance company is the location in which you seek coverage. Auto insurance in Los Angeles is going to cost extremely more than auto insurance in Phoenix due to the fact that Los Angeles is a major metropolitan city with high traffic volumes and high crime rates. Your car is therefore more at risk in Los Angeles than it is in Phoenix, so you will be required to pay a higher premium. If having cheap car insurance is a major priority for you financially, you should consider relocating to a more rural location where costs will be minimal.
    Another way to benefit from cheap auto insurance is by comparing all available providers within your area. The car insurance industry is thriving, and so there exists a large supply of insurance vendors looking to benefit from the demand. If you are serious about finding a cheap rate, then you should consider getting an independent insurance agent to work for you. Since independent agents are not tied to any one insurance provider, they will be able to shop around to find the best available policy to fit your needs.
    Other ways in which to get cheap auto insurance are as follows:
    • Higher deductible: If you can afford it, then a higher deductible could save you a great deal on your premiums.
    • Security Measures: Lower rates can be achieved through making your car safer & more secure. This includes the addition of a car alarm, theft protection device, air bags, carports, etc.
    • Occupation: If you have an occupation that requires you to travel a great deal, your insurance rates will be higher. You might be able to balance out higher premiums by receiving a larger tax return, but you should consult the IRS beforehand.
    Use our site to search through all the available providers, so that you can find the most affordable premiums around.

    About Auto Insurance Quotes

    Insurance companies such as GMAC, Progressive and Allstate, provide online auto insurance quotes, so as to give consumers who are shopping for a policy a better idea of the one that is tailored best to their unique needs. These quotes are an invaluable tool because they allow you to determine the exact amount that you will be charged by each auto insurance provider that offers coverage, anywhere in the country, regardless of car make/model/yr, your age, your gender, or any of the other minor details that make up the cost of a policy. If affordable, it is recommended that auto insurance seekers consult an independent insurance agent who is without ties to any specific provider. This way, he will be able to provide a complete comparison list of available policies and providers based on your location & financial needs.
    Car insurance quotes are going to specifically reflect you as a driver, since the company providing the coverage is putting it's trust in you as a driver. If you have a history of any of the following, then you should not be surprised to find it extremely expensive for you to insure your automobile:
    • Accident prone: involved in more than 1 vehicular accident.
    • Points on your driving record
      • Speeding violations
      • Moving violations
      • Driving Under the Influence (DUI)
    On the other hand, if you have a clean driving record, you should expect to pay a much more reasonable/affordable premium. Auto insurance providers do offer discounts based on your driving record and other positive aspects relevant to your owning & operating an automobile. Some of these discounts can be realized if:
    • Automobile meets certain safety criteria
      • Air Bags
      • Car Alarm
      • Vehicle make/model
      • Vehicle parked in carport
    • Vehicle registered in rural community as opposed to metropolitan.
    • Driver has good credit score
    • Pay a higher deductible

    How to Get Car Insurance with Bad Credit


    A certain problem that people have run into in the past is that of obtaining...well...anything when they have bad credit. You probably already know that bad credit can affect a number of different things, but did you realize that bad credit could affect your ability to get the car insurance that you both need and want? This may not be visible to you at first, but later on you could find yourself with a very serious problem.

    Understanding Auto Insurance

    Auto (car) insurance is a type of insurance coverage for damage to and resulting from an auto. Insurance of this type can cover a variety of things depending on the kind of auto insurance that has been purchased.
    All auto insurance policies involve a premium, which is the payment a customer makes to have auto insurance. Premiums for auto insurance can be extremely divergent and are determined by a number of factors. Gender is the major determinant for auto insurance premiums. Statistically, men are 80% more likely to be involved in an accident, and therefore have a greater need for insurance.

    Auto Insurance Quote: A Necessary Step Before You Buy An Insurance Policy

    In our modern fast paced era, auto insurance is a necessary safeguard to ensure a trouble free relationship with your vehicle, and you must do your best to get a good auto insurance quote. It is extremely important that you grasp what is being insured and what are the conditions if any which exist in the auto insurance quote. However, you must be careful not to confuse an auto extended warranty with auto insurance, since the latter is basically nothing but a vehicle service contract.

    Insurance Agent Reveals His Secrets to Huge Savings on Auto Insurance

    Hi Folks, my name is Cesar Diaz, I am an auto insurance broker in the state of California. I Operate two auto insurance agencies in California and an auto insurance website serving all United States. I have many years of experience as an auto insurance agent and broker and through the years, I have figured out all ways to save money on your auto insurance.

    Tips To Choosing The Right Auto Insurance Company

    Are you in the market for better auto insurance rates? Or, perhaps you are simply looking for a new auto insurance company? Whatever your reason for shopping around, now is the perfect time to request auto insurance quotes from several companies who are more than eager to earn your patronage. In fact, many companies will compete for your business by way of auto insurance rates.

    Working For an Auto Insurance Company

    Working For an Auto Insurance Company

    One of the nice things that I like about my job is the fact that I was able to start with the company at a young age. The other thing that I enjoy is being in on the ground floor when auto insurance rates change. People use many methods of trying to get auto insurance rates, they either call into the office or email or wait for a response or some like to chat on the internet with an agent. This is where I come in. I get to answer the emails and conduct the live chats which are fun to do.

    Some of the questions that people ask are interesting about coverage. Are animals covered if they are in the vehicle when hit by another vehicle? Do your rates increase after your first, second, or third car accident? How old do you have to be to apply for auto insurance on your own? Do you give free auto insurance rate quotes or is there a charge.

    Minimum auto insurance coverage required by law, listed by state.

    Each state has it's own minimum coverage that is required by law in order for a driver to maintain their driver's license in that state.

    The ABCs Of Auto Insurance

    The ABCs Of Auto Insurance

    Insurance is how we defend ourselves against unforeseen calamities. Today there exist many kinds of insurance policies including: life insurance, health insurance, home insurance, appliance protection insurance, and disaster insurance.
    Insurance is therefore coverage offered by insurance company to an individual or organization in return for premiums paid. In the case of Auto Insurance, insurance companies cover your vehicle or group of vehicles against breakdowns and accidents. The policy offered to insure a vehicle depends on:
    o Type of vehicle, make, cost, and age.
    o Individual history and habits.
    o Viable statistics.

    Auto Insurance Online - Taking Advantage Of Special Discounts Using The Internet

    Expert Author Dean Shainin
    When considering auto insurance today some people find it easy to compare auto insurance companies and to buy auto insurance online. You can use the Internet to your advantage.
    With easy online access, you get quotes from several auto insurance companies very quickly.
    Auto insurance companies are very competitive online to earn your business.
    The first and most important aspect to consider when you buy auto insurance online is "what does the policy cover?"
    Be sure you understand what these are, before you buy auto insurance online. You can have the auto insurance company send you a complete definition of the terms, so you will understand what you are getting when you buy auto insurance online. This is very important when you compare auto insurance companies online.
    With a high deductible (the amount you pay before the insurance kicks in) is one of the best ways to save money when you buy auto insurance online. Most auto insurance companies can shop for a company that can save you the most money for your situation.
    The equipment on your vehicle can also save you money and get you a discount when you buy auto insurance online. If your vehicle has anti-theft, anti-lock brakes, passenger/driver air bags, and automatic seat belts, you can save money on your auto insurance policy.
    With a little education on the different aspects of how to buy auto insurance online, it can be well worth your time and effort to shop online for auto insurance.
    When you are shopping for cheap auto insurance there are several aspects that will change your insurance quote. Just by knowing what an auto insurance company will consider, might make it easier for you to save money on your insurance rates.
    An obvious aspect that can be changed is your driving habits. Getting traffic violations frequently can be changed simply by slowing down.
    Another aspect that you can change is how many insurance claims you file. With a good driving record, you can get cheap auto insurance rates much easier.
    If you are considering buying a new vehicle, you can change the model you have your eye on. A red 350Z convertible sports car will cost more than your typical family sedan. Most people know this, but you may want to consider what the cost of cheap auto insurance will be, before you purchase a new vehicle.
    Yes, there are a few aspects that we can not change when shopping for auto insurance rates.
    Your age is an aspect that can't be changed when considering auto insurance policies.
    When you are shopping for auto insurance there are some aspects that you can change to help save money on insurance rates.
    With a good driving record, you can get cheap auto insurance rates much easier.
    A medical doctor can pay less for auto insurance than a car salesman. Having a good credit rating can also help you get cheap auto insurance.
    Some of the other aspects that are considered when you are shopping for low cost auto insurance policies are, how long you have been driving, miles driven to work, miles you drive per year and how long you have had auto insurance.
    With a little education, you can be well informed and save money on your auto insurance rates with special discounts.
    Dean Shainin offers free online low cost auto insurance quotes. For more information, articles, news, tools and valuable resources on low cost auto insurance, visit this site: Low Cost Auto Insurance

    Getting Online Auto Insurance Quotes

    Are you searching for better auto insurance rates? Are you tired of feeling as though you're overpaying despite your spotless driving record? If so, it's about time you started shopping around for the best auto insurance rates from a new auto insurance company. Thanks to the web, motorists are no longer limited to dealing exclusively with local agents and hoping for the best deal. Instead, the internet has opened a new door for those who are looking to compare auto insurance rates and get the best value for their money.
    When shopping online, the process of choosing an auto insurance company is a bit more involved than simply asking your neighbor which local agent he/she deals with. When you shop online, you may be required to do a bit more footwork on researching the auto insurance company, but the end results can pay off in a very big way. The best way to find a respectable auto insurance company is to research their history, learn about their policies and how long they have been in business, check their reputation with the Better Business Bureau and request a free auto insurance quote.
    What is the most common way that an auto insurance company could compete for your business? By offering the lowest auto insurance rates, correct? If you said yes, then getting auto insurance online may be the way to go. Because there's so much more competition online, companies must work harder to get your business. In most cases, you can complete a request for a free auto insurance quote online in a matter of minutes. Depending on the auto insurance company, the number of requests and day of the week, it may take hours or several days to receive a response. The best part, however, is that you can shop from a nation of auto insurance companies with the click of a button and never even have to step out your front door.
    Free auto insurance quotes online are very valuable for any number of reasons, including the obvious fact that they cost you absolutely nothing. Not to mention, the option is very convenient for someone who lives in a rural location and perhaps isn't close enough to visit several auto insurance companies or doesn't have the access to a great number of companies because of the fact that they reside in a small town. Where there's less competition, the prices are higher. But the internet has changed the face of competition by bringing a variety of options to those who either enjoy the convenience that the world wide web can offer or those who need the competitive pricing that simply isn't available in their area. Whether you are shopping for Pennsylvania auto insurance, New York auto insurance, Florida auto insurance, Arizona auto insurance, California auto insurance or anywhere in between, you can search for discount auto insurance rates from the comfort of your favorite recliner.
    The information in this article is provided for reference purposes only. It should not be used as, in place of or in conjunction with professional financial or insurance advice relating to auto insurance quotes, discount auto insurance or auto insurance rates. For additional information or to receive an auto insurance quote, contact a local auto insurance company.
    Andrew Daigle owns and operates many successful websites including Free Auto Insurance Quotes, for finding the lowest auto insurance rates [] and a Low Loan Rates site for finding the lowest personal loans, payday loans, student loans and more for your financial needs.

    Secrets Your Auto Insurance Company Doesn't Want You to Know

    Expert Author Steve Gursten
    Many drivers rely on good faith and may not expect to be forced to sue their auto insurance company in order to receive payment for expenses resulting from a car accident. Typically, most just want to have their car repaired and their medical bills paid.
    Unfortunately, the auto insurance attorneys of Michigan Auto Law deal with many car insurance companies on a daily basis that take advantage of their customers by cutting off their benefits without reason or notice. Some insurance companies also put people "under investigation"- the excuse for stopping payment of all medical bills and wage loss. People are being ignored, threatened, intimidated and even lied to by their insurance claims adjusters.
    The following are common tactics used by many auto insurance companies to either avoid or minimize their payouts to customers. Suggestions are included on how you can protect yourself to avoid or minimize problems with your automobile insurer.
    1. Many restrictions and limitations are buried in your policy's fine print
    Knowing how to read and understand the fine print of auto insurance policies is not an easy task. Auto accident lawyers have seen far too many people lose out on important benefits because they were unaware of important filing requirements buried in their policies. For example, many auto insurance policies pose strict notification requirements, such as 30 days notice for hit-and-run accidents. Many contracts have separate conditions for uninsured and underinsured motorist coverage requiring very prompt notice, and insurance carriers can change their policy filing requirements at any time. When car accident victims do not respond to notification requirements on time, they can lose their coverage.
    How to protect yourself:
    Notify your insurance company immediately after any type of accident. Be sure you have your complete auto insurance policy, including any notification of coverage changes from year to year. This can also include pamphlets or notes that are mailed with renewal statements, reflecting any policy terms and changes. Most policies include declarations, conditions, insuring agreements and exclusions with conditions.
    It's also important to check insurance policies for any benefits that overlap with your own health and disability insurance; and to review any additional coverage (such as uninsured and underinsured motorist coverage). When receiving ongoing medical care for car accident injuries, having a solid understanding of insurance policies can help ensure that health care providers bill appropriately.
    If you are confused with your auto insurance policy and have questions, don't hesitate to contact a lawyer who specializes in auto accidents - most are happy to offer advice and guidance for your protection.
    2. Insurance agents don't always recommend the best coverage
    Following a car accident, there can be numerous issues and challenges navigating health insurance plans, managed care plans, retirement plans such as ERISA, and coordinated/uncoordinated policies. In addition, insurance agents may avoid mentioning important coverage options and applicable discounts due to payout losses or lower premiums that reduce their commissions.
    Many people choose to carry more insurance coverage so they will not be personally liable if they cause a serious car accident. However, some people only pay the minimum insurance premium to renew their license plate each year, and then let the auto insurance lapse. Without an uninsured/underinsured motorist policy, a driver or family members severely injured by an uninsured motorist will have no source of legal recovery for their injuries other than filing a lawsuit against the uninsured driver for his or her personal assets. Most people do not have sufficient personal net worth to compensate a person that they have seriously injured.
    How to protect yourself:
    If you are injured in an auto accident, contact an experienced auto accident lawyer who is best qualified to provide guidance on issues of which insurance is primary, and who will pay medical expenses that are incurred after a crash.
    If you carry ERISA health insurance, uncoordinated or primary coverage is the safe move. An insured person with both ERISA and coordinated insurance may end up recovering nothing for their pain and suffering in the event of an auto accident.
    Check your insurance policy for uninsured/underinsured motorist coverage of at least $100,000 per person and $300,000 per accident. If this type of coverage is missing, contact your insurance carrier to add it - the cost is minimal and highly recommended to protect you and your family.
    Raising your deductibles to at least $500 or more can also lower your auto insurance premiums by 15 percent to 40 percent. Consider dropping collision and/or comprehensive coverage on older cars. If your car is worth less than 10 times the premium, eliminating those coverages can save you money, unless you still owe money for the car. Finally, if there is any reduction in the amount of miles you drive annually, contact your insurance carrier for quotes on low mileage discounts.
    3. Accident Settlement Offers Are Always Too Low
    Imagine you just suffered devastating injuries from a car accident and are now recuperating at home, in pain, and worrying about how you are going to pay your bills. An insurance agent knocks on your door with a check for $100,000 for your accident. With the emotional and physical trauma following a car or truck crash, a large amount of money sounds great, and some victims rush into accepting the first settlement offer. Yet determining the value of an auto accident case goes far beyond a simple calculation of injury type, future expenses not covered by no-fault insurance and the wrongdoer's policy limit. Offering to settle is essentially a backdoor approach by insurance companies to saving litigation costs at the expense of an accident victim's right to a full recovery.
    How to protect yourself:
    It never hurts to call an auto accident lawyer and ask for advice. Many lawyers can explain accident law, what you are entitled to and make sure your own insurance company is paying everything they are supposed to - with no fee or obligation.
    4. Releases and Recorded Statements Are Pushed Early On to Overwhelm Accident Victims
    Many victims rush into signing adjusters' documents without having the language reviewed by an auto accident lawyer, believing these are just basic verifications of the accident. Therefore, they may lose their right to sue a negligent driver for accident-related injuries. Claims adjusters often try to get recorded statements early, aiming to minimize the victim's pain and injuries for later use in court. Even vehicle damage releases can contain unrelated language that can jeopardize your other claims.
    How to protect yourself:
    Never give statements to an accident claims adjuster and never sign a release or allow the adjuster to look at the auto damage. Simply tell the adjuster that you need to review the paperwork with your attorney and will get back to them with your response. No matter how desperate you may feel after suffering the financial burden of medical bills, lost wages and disabling pain, involving an auto accident attorney will ensure your rights are protected. Keep in mind that the claims adjuster works for the insurance company, and has its best interest in mind - not the injured victim.
    5. Standard practice is to deny or delay claim payouts
    Most people suffering injuries from a car accident call their auto insurance company to find out what to do next. They assume that when they follow the process, they will receive fair, timely compensation for injuries resulting from the auto accident. After all, they paid for the auto insurance for that reason - to be covered in the event of a car accident.
    Yet many insurance companies engage in common delay tactics including denying claims, not returning calls, placing people on hold for extensive periods, requiring a victim to repeatedly gather records, and passing you from one adjuster to the next. Soon the financial burden of time off work and mounting medical bills drives innocent car accident victims to contact an attorney. Or worse, it makes them desperate enough to accept an extremely low settlement offer, limiting any future recovery of damages.
    How to protect yourself:
    If you are experiencing these typical delay tactics, contact an auto accident attorney who can assist you with getting your claim processed and the benefits you are entitled to under your state's law.
    Bottom Line:
    If your auto accident involves injuries to you and/or your family (even seemingly minor injuries), consult an auto accident attorney as soon as possible. Not only will you better understand what benefits you are entitled to, but you will have the peace of mind knowing that you received the full value of benefits and compensation available to injured drivers.
    To learn more about protecting yourself in an auto accident, visit the Michigan Auto Law Car Accident Legal Help and Legal Resource Center at, which includes tips and advice on dealing with your car insurance company, what to do after an accident, and understanding your insurance rights. If you have any questions about your auto insurance policy or concerns about your car accident or truck accident personal injury, please contact us by visiting or calling (800) 777-0028.
    Steve Gursten is recognized as one of the nations top experts in serious car and truck accident injury cases and automobile insurance no-fault litigation. Steve has received the largest jury verdict for an automobile accident case in Michigan in four of the past seven years, including 2008.

    Why Would I Need Auto Insurance Specialists?

    State Farm Car Insurance Sign Up With America's #1 Car Insurer. Get A Free Quote Online.
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    Progressive Insurance Named #1 Insurance Website! Get a Free Quote Online Now.
    If you do not understand the way that auto insurance works, you really need to deal with auto insurance specialists. These are the agents that work for the insurance companies and they can answer any questions you might have. You don't have to get the auto insurance policy through the company because a quote and information is free. When you need to find out how the automobile insurance industry works, your best source of information is from auto insurance specialists.

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