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Dana Reed

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Blogs by Dana Reed

Cheap Car Insurance?
9/27/2009 7:52:25 AM
Considering the current state of our economy, most people are seeking lower prices on everything, including car insurance.

You see the ads all over TV as one company after another claims its rates are the lowest ever. "You can save $436 a year," which boils down to $36.33333 in monthly savings. Other companies promising lower rates even allow you to fill out the necessary information on the Internet, pay the down payment with a credit card, and download an insurance card from their site. Still another company promises that if you sign up with them and have an accident, they'll pay someone to mow your lawn, walk your dog and whatever else you may need.

And please, let's not forget the company that will let you name your price and they build a policy around that price. Then there's accident forgiveness and a whole list of promises to get you to sign up with their company.

However, although a lot of people respond to these ads by signing up, not one of these companies mention their claims services. Of course they promise 24/7 claims offices, but how do they handle claims? This is the part everyone should be asking about. One company speaks of claims services wherein you get a rental car immediately and their claims adjusters will come to you if you can't go to them. You can even use a repair shop of your choice.

The big question here is do they pay the full cost of repairs after your collison deductible, or do they insist on lowering their costs by putting second hand parts on a new car? They tell you, for instance, that they have a door that matches your smashed in door. It's from another model car, but it will fit. Plus, they'll even paint it the same color as your car.

Or what about companies that don't have investigators visit the site of a serious crash to determine fault? Rather they leave it all up to the findings on the police report. My son was hit by a man who jumped a stop sign, totaled his car and put him in the hospital. His company found my son to blame because their investigator claimed there were no stop lights at the intersection. I called and informed an adjuster that although there were no stop ights, there was most definitely a stop sign that the other person jumped. It seems the investigator for my son's accident never visited the site. When the investigator did, the company paid my son's claim in full.

Do you want to wind up playing detective on a claim? Or do you want a company with an excellent history of handling claims to take care of you? Remember, the Better Business Bureau can be found in all cities and states across the nation. Use their services first before signing up for cheap insurance.


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More Blogs by Dana Reed
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