Why You Need Auto Insurance

Is the auto-insurance claim information shared if I switch the insurance company?

2009-07-19T16:05:00.000-07:00

Hi! I am with auto-insurance company X right now and due to few number of insurance claims that I had made, my insurance is going up. I am wondering if I try to switch to some company Y, will X share my claims information with Y? Thanks!

Answer:

Best Answer - Chosen by Voters

Most of the time, yes they will find those prior claims.
Many insurance companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an insurance company.
Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.

Because your rate went up due to the claims, it's not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.

Source(s):

Insurance Agent

or

Yes. Most insurance companies subscribe to a service called "CLUE". It's basically a data bank where companies share claim information with each other.

Most companies will order a "CLUE" report before issuing your policy and find out that you have had previous claims. It is always a good practice to go ahead disclose this information up front, if not the rate that you are quoted will not be accurate.

I would suggest getting as many quotes as possible!

Because rates vary hundreds of dollars with companies you might be surprised to find out that by comparison shopping your maybe able to get insurance through another company without seeing a huge increase.

As mentioned already the key is to getting as many quotes as possible. The easiest way to do this is by using free on line insurance rating services. I read a statistic that people who use these services usually save an average of 30%-40%. If that holds true for you then it basically you would most likely be able to keep your rates close to what you are currently paying.

There is a consumer site that I came across at: http://www.InsuranceEasy.org that has links to free quoting services that are reliable. By using each of the links listed on their auto insurance page you will end up with the 5 or 6 best quotes from hundreds of companies.

Hope this helps!

What is a good auto insurance company in florida for dui drivers?

2009-07-19T16:02:00.000-07:00

Am trying to find a auto insurance company that covers first offense dui drivers. With low cost auto insurance. Does anyone know of any?

Answer:

Try this site

http://ginsurance.notlong.com

here you can get quotes from different companies in your area so you can compare them.

or

Go here, http://www.freeautorater.com/
And go through a large list of Auto Insurance company, to find one which meet your needs.

Source(s):

http://www.freeautorater.com/

MY CAR NEED AN INSURANCE

2009-07-04T20:58:00.000-07:00

Hi, did you know that yesterday is my worse day to me.
My car involved in accident so my car got scrash.

Today, I am very sad... because my car broke down.

Today, I want to see the insurance seller.
I hope he can help me to make my car to be a new car like my baby.

What is the best and cheapest car insurance?

2009-06-19T06:22:00.000-07:00

What is the best and cheapest car insurance?

Additional Details

http://answers.yahoo.com/question/index;_ylt=Aq7M5sY577VtXKRF_Xe9MxUexgt.;_ylv=3?qid=20090618101502AA6wxe2

Best Answer - Chosen by Asker

For auto insurance the quick way to get a great quote is do a rate comparison on auto policies. Make certain that you pick similar options with the same limits, car type, location, etc so that all options are a good comparison.

What I most often recommend is an internet comparison quote at http://www.lowratetoday.com since they have big name insurers and can give several prices on auto insurance polices.

2009-06-19T06:16:00.000-07:00

Car insurance in Virginia?

Which companies are good? Which to stay away from?

Best Answer - Chosen by Asker

Hard to say without knowing much part of Virginia you're in. Different areas in Virginia have different insurance companies. The one that is available in most areas which I feel is quite reliable is All State.

I've been with All State for a while and really have no problems. Then again, like I said, it depends where exactly you are.

Source(s):

http://www.AutoInsureUSA.info

eTiqa Insurance : Private Car Insurance

2009-06-07T22:43:00.000-07:00

Private Car Insurance

At Etiqa, we understand the importance of having your own set of wheels whether for work or social reasons.

Therefore, should an unfortunate event render your car out of commission, the Etiqa Private Car Insurance ensures that your claims are settled in the shortest possible time, so that you’re up and running about again because we know you can’t afford to be stranded indefinitely.

What is covered under the Private Car Insurance?
Loss or Damage caused by:

ACCIDENTAL COLLISION even if caused by mechanical breakdown or normal wear and tear
FALLING OBJECTS unless caused by flood, storm, or natural disaster
FIRE, EXPLOSION or LIGHTNING
BURGLARY,BREAK-IN or THEFT
MALICIOUS ACT
WHEN IN TRANSIT (including loading and unloading) by road, rail or inland waterway

What is not covered under the plan?

CONSEQUENTIAL LOSSES e.g. loss of earnings
LOSS OF USE OF CAR
DEPRECIATION NORMAL WEAR & TEAR
DAMAGE TO YOUR CAR’S TYRES unless your car is damaged at the same time
The amount of the EXCESS shown on your policy schedule

What is covered under the liability to third parties?

Death or bodily injury to a third party
Damage to a third party’s property caused by your car
Legal costs incurred up to a limit of RM 2,000

What is not covered under the liability to third parties?

Death or bodily to any passenger being carried for hire/reward
Damage to any property of a third party temporarily under your possession
Liability to any member of your household
Any claim or legal action against you from outside Malaysia, Singapore or Negara Brunei Darussalam

What is the additional coverage under this policy?

ALTERNATIVE TRANSPORTATION COVER: Few insurers offer this coverage as many car owners discovered too late. It covers the cost of car rental, when you car is unavailable after an accident, to a maximum of RM 1,000
WINDSCREEN COVER: Protects against breakage of glass in your car’s windscreen or window. (Your No Claim Discount will not be affected by such claim and any excess under the policy would not reply)
CAR ACCESSORIES COVER: Protects against loss or damage to specific accessories. (Your No Claim Discount will not be affected by such claim and any excess under the policy would not reply)
ADDITIONAL DRIVERS COVER: Extends insurance coverage to additional named drivers
FLOOD DAMAGE COVER: Protects against damage to your car caused by Flood, Typhoon, Hurricane or Storm
PUBLIC DISORDER COVER: Protects against loss or damage to your car caused by Public Disorder
LEGAL LIABILITY FOR PASSENGERS: Protects against any legal liability acts of negligence brought against your passengers
LEGAL LIABILITY TO PASSENGERS: Protects you against any legal liability brought against you by any of your passengers. (This coverage is compulsory if you drive your car in Singapore)

What are the common circumstances that are unacceptable to make a claim?

The authorised driver does not posses the appropriate class of license
Loss or Damage
- Caused by driving while under the influence of drugs or alcohol
- Caused by unlawful use of the car by any authorised driver
- To the car caused by Public Disorder
- Caused by Flood (unless extended)
- Resulting from using in motorsports or competitions (i.e.: hill-climbing test, rallies)
- When a car breaks down and is deserted without precautions to prevent further damage
- Or liability that occurs outside of Malaysia, Singapore or Negara Brunei Darussalam

Does the plan have any Motor Service?
Yes. All Etiqa Private Car Insurance customers have access to 24-hour Motor Assist services. With our partner - the Asia Assistance Network which provides the following motor services:

24-hour Emergency Towing & Minor Roadside Repair
Car Replacement Assistance
Arrangement for hotel accommodation
Referral to Service Centres
Professional assistance and fair market prices at referred Service Centres
Emergency Messaging Service for you to contact your family and others in the event of an accident

Call the Etiqa Claim Assist at 1-800-88-1007

Not ready to renew yet?
FREE REMINDER SERVICE
Even if your car insurance is expiring later, call us at 1-300-13-8888. We’ll give you a free reminder when your car insurance is due for renewal. No obligations to buy.

Source:

http://www.etiqa.com.my

Why I need to insure for my car?

2009-06-04T05:31:00.000-07:00

If the accident is caused by you, you would be solely responsible for all the damages caused. These include, the other motorist’s car, the other motorist’s personal injuries, other people's injuries that were involved and any other damage caused. This total could add up to tens, or even hundreds of thousands of dollars.

Without insurance, you would be responsible for paying this bill, and may have to work many years in order to pay off this debt. Even minor accidents can produce thousands of dollars in property damage and medical expenses! Having insurance protects you against this expense, and I would rather pay $2000 a year for insurance then risk getting into an accident and having to pay tens of thousands of dollars, to fix the other motorists car, and many more thousands in personal injury.

I need to take an insurance for my car because:

1. Myself

2. My family

3. My cars

Thinks about your cars...

Vehicle insurance

2009-06-03T06:40:00.000-07:00

Vehicle insurance also known as auto insurance, car insurance, or motor insurance is insurance purchased for cars, trucks, and other vehicles.

Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.

Auto insurance protects the buyer from losses resulting from traffic accidents.

Why You Need Auto Insurance

Is the auto-insurance claim information shared if I switch the insurance company?

Best Answer - Chosen by Voters

Source(s):

What is a good auto insurance company in florida for dui drivers?

Source(s):

MY CAR NEED AN INSURANCE

What is the best and cheapest car insurance?

What is the best and cheapest car insurance?

Additional Details

Best Answer - Chosen by Asker

Car insurance in Virginia?

Best Answer - Chosen by Asker

Source(s):

eTiqa Insurance : Private Car Insurance

Why I need to insure for my car?

Vehicle insurance

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