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No Auto Claims or Cyberbullying Here

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 02/01/2017

Q: My claim number is xxxxxxx claim person Sxxxxx Kxxxxx Her number is xxxxxxxxxx Would you please tell her to get off her indifferent attitude and subrogate the clai,m. Doesn’t she give a damn I faxed her picturesband proof she needs .Her attitude is cavalier and laissey faire

A:  This was posted as a comment on a subrogation article. First of all, why you even think that it was remotely okay to post something like this with all of that information?  That is cyberbullying!!!!!  You are the reason that we filter all of our comments. And this is a warning to anyone else that would do this; your comments will be deleted before they see the light of day if you try to bully anyone at your insurance company, anyone you have a claim against, or anyone that you attack that has posted a comment.  We do not tolerate that here, take your hate somewhere else.

Second, how is posting this information on a auto insurance advice website and telling us to “tell her to get off her indifferent attitude and subrogate the clai,m” going to get you anywhere with your claim.  We don’t know who this person is and we are not your insurance company. If you have a problem take it up with her manager.

Penalty for Cancelling Car Insurance Early?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 02/01/2017

A: Hi, I cancelled the insurance during 8th month for a 12th month policy.The insurance company charged me for full 12 months and have a debt collection agency collect the money. They havent added any cancelation charge which would be 10% of remaining 4 months charge.
Does the cancellation charge be remaining 4 months payment ??. I cancelled the policy on December 10th 2 days prior to the next months due date.

 

Q: You need to talk to your agent or car insurance company about this.  This sounds like a North Carolina short rate issue, but I don’t know without having more information.  With North Carolina short rate though, I do believe it’s not 10% of the remaining months of the policy term, that it’s 10% of what the total premium was. Some companies do have a cancellation penalty, which this could be also.

Also I would need to see your billing history to be able to give a good answer. Some payment plans you are paying exactly a month ahead, some you are paying two months ahead, and some you are paying two week behind and two weeks ahead. If you have changed you payment due date this could screw up what time period your payments are paying for. Also, if you have made any changes to your policy you could owe back earned premium that they are charging you for.

So, the best thing to do is to have your insurance company explain exactly what you are charged for or even ask for them to send you a written billing breakdown with a running balance to show you what you paid for and any changes.

Filing a Claim on Another Person’s Car Insurance Policy

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 01/31/2017

Q: i was parked and a driver with insurance (underwriter=insurance policy)bumped my car..he said he lodged a claim which must cover damages to my vehicle..2nd day now, i have not heard from his insurance to get my vehicle assessed and fixed…his name is :-Mxxxxx Sxxxx Bxxxxxx..please give me info ..as he said you will be deALING WITH THE CLAIM??

A: Three things here:

1) Underwriter does not equal insurance policy. Underwriters can be found in many different fields. They are the people that decide if they want to give you a mortgage, provide a loan to you, and in insurance if you are something they want to insure.

2) We are not an insurance company; we do not have policy holder information nor do we have a claims department to file claims. We are simply a website that provides car insurance advice and a place where you can get car insurance quotes for different car insurance companies.

3) Never trust that another person is going to file a claim for damages to your vehicle. If you have not heard from their insurance company, contact them yourself and file the claim.  If you didn’t get their car insurance information and you haven’t heard from their insurance company, file a police report.

Mexican Auto Insurance

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 01/22/2017

Q:  Where can I get auto insurance for Mexico as a full time Permanent Resident?

A: From a Mexican auto insurance agent.

You can always Google “Mexican auto insurance for residents” to find a list of companies and agents that sell auto insurance in Mexico.  Just make sure that it is auto insurance for residents and not for tourists.

Car Insurance Guidebook Unravels the Car Insurance Mystery

Unless you work in the car insurance industry, the topic is probably a mystery to you. The words deductible, comprehensive, collision, liability, premium, loss of use and bodily injury are all gibberish when they reach your ears.

Unfortunately, insurance is something that you are required to have by law if you want to drive. Because of how confusing it is many people go around in almost an insurance daze while they get car insurance quotes from the auto insurance companies that they have heard of. In reality, they are completely lost as to what they are actually buying.

Instead of looking at what each insurance company offers in the terms of protection for both themselves and their car, they are instead looking for cheap car insurance. Finding the cheapest car insurance coverage makes having to buy the required product all that much less painful, but misses the whole point of having insurance.

Learning about insurance through your insurance agent or websites like Car Insurance Guidebook will give you the upper hand when you looking for car insurance. You can take your knowledge and not only find the best price for insurance, you can use it to find really great insurance to protect you and your assets. Then you aren’t stuck settling for just average car insurance that can hurt you financially if you ever need it because there isn’t enough protection.

For example, when looking for insurance the car insurance rates are just the first of many factors that need to be taken into account when you are shopping around for car insurance. You also need to take into account the type of vehicle that you are driving. Many people don’t know this.

Are you driving around a vehicle that is a new sedan and can be protected under any blanket insurance policy? Or do you have an old car that you fixed up that needs special protection and could be better covered under classic car insurance?

Don’t just assume that when you compare car insurance that it will be a one-size-fits-all policy. This is where the insurance knowledge will come in handy; you will know what you need to protect yourself and your vehicle.

You will understand what your insurance agent is talking about when they use insurance terms and you will actually be able to make an informed decision. This is much better for you instead of the “nod and smile” approach people take in their insurance agent’s office.

Also just like your life changes your insurance needs will change. This year you may just need to learn about the best deductible to have. Next year you may need to educate yourself on car insurance for young drivers. As the years pass, motorcycle insurance may be something you will need to know.

Many wise people say that you never stop learning, so take their advice and educate yourself on the insurance that you spend a lot of money on and can’t get away with not having.