Auto Accident Insurance - What to Look Out For
By far the most crucial concern that needs to be attended to, if you are involved in an auto accident is always to see to any personal injuries that will have resulted. The next most important task is to speak to your insurance company representative. So let's say you get hold of your agent to inform him you have been involved in a car accident, and he seems very helpful. He even suggests a body shop you could take your vehicle to, and might refer to it as being a "preferred" repair shop.
"Terrific" you may think. That saves you the hassle of needing to find a body shop yourself.. After all, you want to get your car repaired at the earliest opportunity. However, suppose you are already aware of a high quality repair shop that does body repair and would prefer to take your vehicle there.
So you notify your insurance representative you wish to take you car to another body shop. But he responds with something similar to "We won't warranty the repair in the event you go there" or "You'll need to spend a lot more if you go to the shop that you picked" or some other statement intended to discourage you from going to your shop and encourage (or possibly attempt to coerce) you to go to the company's "preferred" shop.
So what to make of all this? You might be wanting to know why he is wanting to discourage you from opting for your own shop?
To respond to this question, you need to know what the final goal of an insurer is: The answer has nothing to do with providing you the convenience of not having to find a good repair shop ... the final target is to generate profits, and as much money as possible! And that is accomplished by minimizing the amount they must pay back in insurance claims.
So the collision shop your agent suggests is "preferred" ... preferred by the insurance carrier for THEIR advantage, not yours. And why is that? Because the recommended repairer is under contract to utilize components which are less costly than the original parts that were in the car when it was new. But regrettably, most of these parts are substandard in quality and could even result in a dangerous repair job! This can even mean that your car will be unsafe to drive after the fixes are concluded.
There are more reasons why choosing the wrong repair service can lead to dangerous fixes. There's a method referred to as "Clipping", and that means cutting off a complete half of your car (either the front or rear half) and affixing another (undamaged) half of a vehicle that has been wrecked.
This process actually entails cutting through the vehicle's unibody or frame, and it affects its structural integrity. Does this sound risky to you? That's because it IS unsafe! But sadly, it isn't against the law! It's a widespread incident.
So the bottom line is - if you were to be in a traffic accident - look out! Find out if the shop makes use of OEM (original equipment manufacturer) components, or lesser quality "aftermarket" parts. And if the shop performs "clipping" ... don't even consider using them!
Questions and Answers
Article Tags:
auto insurance
,car insurance
,auto accident
,car accident
,traffic accident
,body shop
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.
If you've involved in an auto accident, you might be pleased when your insurance agent suggests a body shop to repair your car. But you'll be much less pleased when you find out his reason for doing so. Find out why.
Car insurance is mandatory for anyone who wishes to drive a vehicle on public roads. The regulatory body, in the interest of both the vehicle owners and pedestrians, has made it a compulsory aspect associated with driving a vehicle.
If you feel that your life is completely peaceful and there is no additional need of preferring auto insurance, then it's time you change your perception.
Vehicles are certainly very convenient when it comes to travelling great distances. It saves time and energy from having to go through all the hassle of commuting.
In the city of New York the stress of constantly living in a fast paced life not only wears us out but also wears out the bodies of our cars. Traffic congestion, accidents, street urchins, vandals and parking areas all contribute to the wear and tear of the body. Thus like our personal body we also need to take proper care of our car's body.
International vehicle transports service providers offer facilities for shipping you vehicle across to the new country. These vehicle transport companies have the legal authority, the right infrastructure and a wide network to carry out their operations.
Shopping for a used car can be like walking on a minefield. Everything looks harmless at first glance, but take one sloppy step and it's the end of the days for both you and what your money's worth.
Looking for a reliable family car can be a very challenging process. You would have to take the car's reliability and features into account while staying within the budget that you have.
If the budget that you've prepared for your car purchase isn't that big, this doesn't mean that you should purchase a brand-new car with undesirable features and performance ratings.
Buy here pay here's preferred by people round the world. It is specially meant for folks belonging towards lower strata of society and so their dream of owning an auto should be fulfilled with the buy here pay here Indianapolis.
The modern day company owner sometimes finds himself in a bind: he despeately needs assistance to complete the daily duties of running a business, but the financial resources to employ that help just isn't available. Outsourcing to the Philippines can be the optimal answer
The contemporary businessman habitually ends up in a bind, in need of more help to run his company, but at the same time, having to reduce costs. Employing a virtual assistant affords the most suitable solution.
In the 21st Century, any small business owner who's not creating an online business to advertise his company is leaving cash on the table, as well as allowing his competitors a giant advantage. However, to be discovered on the internet, search engine optimization is crucial. Here is a crash course on how to get your company seen online - before the competition is.
The vast majority of business owners, eventually realize they will never have the means to advance their business until they engage help to cope with the daily chores. The most economical answer is to offshore outsource.
The small business owner often finds himself in a "Catch 22." He desperately needs to hire help so he can meet all the daily demands of running a business and still have time to grow his business and implement new ideas. But at the same time, the funds needed to hire an employee are just not there. But there is a solution. Find out how the problem can be easily solved by taking advantage of arbitrage.
Discuss this Article
