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How Much UM/UIM Coverage Should I Purchase for Each of my Vehicles in Connecticut?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 12/07/2011

Connecticut UM/UIM coverage is not to protect your vehicles, it’s to protect you and your passengers.

Connecticut Uninsured/underinsured motorist coverage (UIM/UM) pays only for injuries caused by an uninsured or underinsured driver to the passengers in your vehicle. UIM/UM coverage in Connecticut does not pay for any damages to your vehicle, that’s what your collision coverage is for.

So what type of vehicle you have should have no bearing on the amount of UIM/UM coverage you need. Instead you should be thinking about medical bills and how much they may cost if an uninsured or underinsured motorist hits you. As always we recommend that you sit down and talk to an agent as to your personally situation so that they may provide you with coverage counseling.

UIM/UM is not a required coverage in most states. It is instead considered an optional coverage and the residence of those states have the right to waive that coverage if they feel they don’t need it. In Connecticut, it is a mandatory coverage that their drivers must have. Here you have to carry the minimum amounts of $20,000 per person and $40,000 total for all injuries in the accident.

(Other than the posts we have concentrating on a specific state and their insurance laws, normally we don’t isolate a specific state when we answer an “Ask a Question”. However, because this particular coverage varies so greatly from one state to another we felt that it was best to specifically answer the question from the state that the question came from. If you have questions about this coverage for your own state, you may find a previous post for your specific state that can answer your question here on our site.)

Where Do I Find the Cheapest Car Insurance?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/27/2011

Cheap car insurance is the treasure chest at the end of a treasure hunt.

There is no special company to go to that you are absolutely guaranteed to get the cheapest car insurance in your area. First, each car insurance company has different rates that they charge and they fluctuate.

For example, you could get a quote from State Farm for one rate and then give the same exact information to Progressive and get a different rate. Call them again a year later with the same information and the one that gave you the cheaper rates last year could be the expensive one this year.

Second, each driver has different driving information that will affect where they find the cheapest car insurance. So as you can see there is no set place that you could be sent to for the cheapest car insurance.

The only thing that you can do to find the cheapest car insurance for yourself is to call around and get quotes from different car insurance companies and agencies.

Can My Insurance Company Just Write me a Check for a Claim?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/18/2011

Whether a check will be written to you for a claim depends on who you are insured with.

Each insurance company has their own policies and procedures in place to pay for claim damages. If you choose not to use one of their preferred shops, they will have you get quotes from other body shops for damages. Some insurance companies are okay with you just getting one quote from the body shop that you are going to use. Others want quotes from 3 different body shops.

Once you get the quotes, most insurance companies won’t have a problem with just writing you a check (minus your deductible) for the amount of the quote. Others prefer to have the body shop do the work and then send them a bill so they can send them a check directly.

Again it all depends on your insurance company.

How Do I Change My Insurance Agent?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/14/2011

Changing your insurance agent will take a little bit of your time, but may be worth it.

To start the process of changing your insurance agent, you must first ask yourself a question. Are you unhappy with the agent or unhappy with the insurance company?

If you are unhappy with your insurance agent, but you want to stay with the same insurance company, contact the insurance company. Let them know the situation and that you want to change agencies. They will give you the contact information for all of the other insurance agents in your area that sell their insurance.

Once you find the insurance agent that you like, the new agency will file a paper with the insurance company to switch your policy from your old agent to your new agent. No changes will be made to anything on your policy and you will have a new insurance agent.

If you are unhappy with the insurance company and you have an independent insurance agent, contact your agent. Have them get you quotes from the other insurance companies that they sell for. Your insurance agent is going to want to keep your business and will work to find you an insurance company that will make you happy. If they refuse to get you any new quotes, it’s time to look for a new insurance agent also.

If you are unhappy with both your insurance company and insurance agency (or you have an agent that only writes for one company) then start calling around to other insurance companies and agencies for new insurance quotes. At this point it is probably going to be in your best interest to just start from scratch.

When you purchase your new insurance policy don’t forget to contact either your old insurance company or agency to cancel your old policy.

How Do I Know if my Insurance Company Will Cover Me Hitting a Deer?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 11/16/2011

If you have comprehensive coverage and the damages are more than your deductible, there should be coverage.

Whether or not our insurance company will cover damages to our vehicle after an accident is a worry for most drivers. What if there is a special exclusion for the accident that I was just in? What if I don’t have the right coverage on my vehicle? There are so many “what if” questions going through heads that we get worked up for really no reason.

For those that carry comprehensive and collision coverages on their vehicles, almost every type of accident that has caused damage to your vehicle will be covered. In the case of a deer hit, the damages will be paid out under your comprehensive coverage.

Also don’t forget about your deductible. What the insurance company pays out for your claim will depend on how high your deductible is. For example, say the deer that you hit caused $750 worth of damages to your vehicle. If you have a $500 deductible, the insurance company will only pay out $250 for the damages. You are responsible for paying the $500 to the body shop that you deductible is set at.

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