As most people will agree, filing an insurance claim is a complex and stressful process. We are initially left with the car that often needs an expensive tow and repairs, and then left to worry about the many details which must pull together. If you play your cards right; you can speed up the claim process and minimize stress.

DO

Immediately inform local law enforcement at the scene of the accident. Failing to do so is not only illegal, but if the other party decides to file a claim, you’ll have less of a case.

Contact your insurance agent as soon as possible. The sooner you get the ball rolling, the sooner the process can be concluded. In addition, swift and accurate reporting benefits you.

Contact your agent to let them know what happened, even if you don’t make a claim. If someone else makes a claim on your policy, the insurance company will be less surprised, and may be more lenient in the future.

Use specific, factual information when speaking to law enforcement and your insurance agent.

Fully understand your insurance policy. Take a good look at it before talking to your insurer.

Maintain a careful record of conversations you have pertaining to the car accident. This includes what the other party says, the police officer, and anyone at your insurance company.

Photograph any damage or injury that occurred as a result of the accident. This will serve as evidence to support your claim.

Do your estimate research. Your company is likely to offer a settlement based on their own contractors. However, the actual repair expense may be much more, in which case, you should negotiate the settlement.

Follow any guidelines set forth by your policy. This includes time limits on claims and required actions to take. Failing to adhere could result in the loss of the claim.

Ensure that your insurer is holding up their end of the deal. You have both signed a legally binding agreement, and if you feel they are in breach of contract, consult a lawyer.

DON’T

Allocate blame or express opinions regarding the accident. If you claim fault prior to investigation, you will likely lose the claim. Even if fault seems obvious, there may be more factors at work, of which you are unaware. Leave opinions to the investigating officer and the insurance adjuster.

Leave without collecting insurance, automobile (or property), and contact information from the other party. If both parties have a complete set of facts, the process can proceed much more smoothly.

Make insurance claims on a regular basis. If you make too many claims in too short a time, you’ll be categorized as high risk. This can result in higher premiums or even a loss of your policy. Only make claims that are absolutely necessary.

File a claim if the damage is under your deductible. This will help decrease claim frequency.

Accept any payment, sign any legal documentation until you are fully prepared to do so. This means fully understanding the terms of the agreement. When in doubt, consult a legal professional.

Accept inferior service from the insurance company. It’s their job to insure you.

TO CONCLUDE

By being factually accurate, diligent in your record-keeping, and uncompromising with poor service, you can help achieve the settlement you desire. When making a car insurance claim, maximizing your knowledge is critical to your success.

Any incident involving your car usually involves frustration, although your insurer can often offset much of the initial cost. By following the above outlined recipe you can often save yourself on unnecessary expenses on your car insurance .
If you have any questions concerning Car Accident Attorneysclick here please

Putting your RV away for the winter can be a major mistake. Sure, you might not be able to spend as much time outside in the winter as you can when traveling in the summer, but that doesn’t mean there isn’t fun to be had. If you plan carefully and outfit yourself with the right gear, you might find that winter RV travel quickly becomes one of your favorite hobbies.

Make Sure the RV Is Ready

You might not mind if your windows are a little drafty when you travel in the summer, but that can become a major problem on a cold winter night. Before you head out in the winter, make sure your rig is ready by checking things like seals and insulation. Make improvements where necessary, and even consider spending a night in your RV at home when the weather gets cold to see how it fares. You don’t want to find yourself hours from home and stuck in a freezing RV, so preparation is key when it comes to winter travel.

Make a Smart Plan

While most modern RV’s are relatively well-equipped to deal with winter weather, your rig is still not a 4×4 in terms of its ability to get around icy or snowy roads. You don’t want to put yourself or your RV in a dangerous situation, so only plan to travel on roads that you know are going to be maintained throughout the winter. Also, call ahead if possible to confirm that your targeted campground is open for business and has spots available. Driving around late at night to find a spot might be a ‘fun adventure’ in the summer, but it is frustrating and potentially dangerous in the winter months.

Pack for the Conditions

Be sure to bring along plenty of cold weather gear for your trip when you head out on an RV vacation in the middle of winter. Things like blankets and coats/sweatshirts should be abundant, and you will also want to make sure your sleeping gear is rated to be able to handle cold temperatures. Remember, although your RV has a heating system on board, you can’t necessarily bank on that system to operate properly throughout the trip. If something goes wrong and you don’t have the heat supply you expected, you need to be prepared to get through the nights comfortably.

Since the weather is far less predictable in the winter as compared to the summer, you also need to bring extra food and water to get by a couple extra days in case a snowstorm strands you in place. If you are planning on taking a three-day trip, for example, bring provisions for five days so you can ride it out in the RV if the weather comes in harshly. Of course, you can always eat that extra food when back at home, so it doesn’t need to be wasted if the weather turns out to be just fine.

Extra Fuel

Many RV’s use propane to power the on-board furnace. If that is the case with your rig, make sure you bring extra fuel as you are going to be going through it far faster than you do in the summer. Since some of the fuel stations near your campground may not be open during the winter months, you want to be as self-sustaining as possible by bringing extra from home.

Travel in your RV is a little bit more work in the winter than it is in the summer. However, that extra effort can be more than worth it when you see some of the beautiful places that you can enjoy in the peace and quiet that usually comes along with the winter months. By traveling smart and planning properly in advance, you can look forward to a great trip in your home away from home.

This Blog brought to you by Coastal Breeze RV Resort in Rockport, Texas

Car Insurance Is A Must

Your auto insurance policy doesn’t just protect your car. It also serves the purpose of protecting other drivers, passengers and their vehicles, as well. Be sure that your policy covers all of your needs. The following tips will maximize your auto insurance experience.

Decide how much coverage you need when shopping for auto insurance. Not all coverage options make sense for everyone. You may want to fork over a little extra for collision coverage if you are accident prone.

If you want to save on insurance, get a vehicle that is less sporty. When you have a sports car, it will cost more to insure. Pick a small, less flashy, economical car. A larger engine also generally comes with higher insurance costs. Sports cars are at greater risk of theft, which further raises the cost of insurance.

Research the prices and options from different insurance companies. Every company uses its own formula, based on your driving record and your responses, to evaluate your insurance premium. You can save a good deal of money by consulting with several competitors.

Save Money
Raise your deductible to save money on your premium. Although your premiums will be lower each month, this action can be chancy if you don’t have the self-control to save money for your deductible. In the event that you are involved in an auto accident, the out-of-pocket cost can be high. The higher you set the deductible, the lower your insurance premiums will be.

The cheapest quote may not necessarily be the best policy. Such quotes may exclude extra charges or full coverage. Learn about the company’s reputation and read the fine print about the policy to make sure it’s not a headache waiting to happen.

If you want to buy aftermarket parts or decorations for your car, ask your agent about the insurance consequences. If your vehicle gets stolen you will want to make sure the expensive accessories you put on it will be covered.

Make sure to research the insurance rates in your area. Rates change across locations due to factors like local accident rates and theft statistics. Urban areas also usually have higher rates than suburbs and rural locations.

You can save a lot of money with the right coverage if something happens. After paying the predetermined deductible, anything above that amount is generally covered by the policy.

Get your auto insurance agent to give you a listing of every discount the company offers. You should note every discount that might apply to you. You’ll want to get the best rate possible.

You will serve yourself better by acquiring various quotes for car insurance. It may surprise you just how much insurance rates can differ from one insurance company to the next. You should shop you auto insurance at least once a year to guarantee you are receiving the best rates. For the fairest comparison, make sure that each quote is for your desired amount of coverage.

Know different coverage options, and check to be sure your insurance provides the best coverage. You will need liability both if you injure someone or damage their property and a coverage of the damage to your car and of any medical payments. You also need coverage against drivers who lack insurance, as well as any other damage your car might suffer, such as from fires or floods.

Insurance Companies
Not all insurance companies are the same. Check with several other insurance companies if you are given a quote you don’t like, since they will probably offer different prices.

When you buy auto insurance, remember that the insurance carrier is insuring just the person who is listed as the driver, or operator, of the vehicle covered by the policy. That means that if someone else is driving the car and totals it, the insurance company will deny the claim. You might have to get an addition to your coverage to allow for this.

Now that you have learned a bit more about auto insurance, use the skills you have learned to examine your existing policy. Sometimes things aren’t as you thought, and it could be beneficial to rewrite your policy in order to get the correct amount of coverage. More on this website