Still We Ride

Have you suffered from car accident injuries? In this article we are going to talk about how you can get money from an auto accident.

There are many different car accident injuries that someone could get. Some are more serious than others but any injury may leave you feeling vulnerable, scared and worried about where that next pay check is going to come from. If your life has been interrupted by an accident that you did not cause then you should be compensated for your loss, injuries and trauma. Let’s now go on to talk about how you can get money from an auto accident.

Since you were not planning on being in an accident I am going to guess that you have pretty much no idea about the law when it comes to getting compensation for your crash. You shouldn’t worry about this too much because there are some easy ways to make sure that you get the money that you have coming to you.

Gather Information

If you have not gotten all of your information together yet you should make sure that you get it together and have it ready to present to the people that need to see it. These people may be the insurance company, the court or an attorney depending on which route you go. Some of the things that you should have gathered are your insurance information, photos of before and after, witness testimonies, police reports and any other kind of proof that you may have.

Decide Your Plan Of Action

Now comes to the important part. You should figure out whether you want to file the claim with the insurance company on your own, take them to court or talk with an attorney about your case.

Filing the claim with the insurance company may seem like the easiest and cheapest route but if they are not going to give you the money that you deserve I suggest that you at least take them to court. If you do not want to take them to court then you still may be able to get the money you deserve out of court by talking to a professional that can tell you how to go about getting your money without a long legal battle.

Every case is different and your car accident injuries are unique so talking to someone that has seen many different cases could be very helpful to your goal of getting money from an auto accident.

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Here’s the bad news: your car insurance premium can rise 50% to 200% when you add a teen driver to your plan. Before you take the keys away form your teen and ban them from driving until they are twenty-five, consider how to make the new addition to your car insurance plan more affordable.

You can pay up to 50% less for your teen’s car insurance depending on what they drive. Safety ratings are important in lowering costs. Horsepower and high performance do nothing but increase your costs considerably. The most cost effective car would ideally be older, heavier, and paid off. You may drop collision coverage on very old or paid off cars, saving you more money.

Does your auto insurance company allow you to designate which driver uses each car? Some companies will try to designate your teen to the new or luxury car in the family, which causes your rate to skyrocket. If you can, designate your teen to the oldest car you own.

If possible, raise your deductible to save money. The ideal deductible is from $1,000 to $1,500. The deductible is what you pay only when your insurance company pays out a claim. Keeping your deductible up will pay off in a few years. You will see your savings reflected in the cost of your premium.

Let’s not leave the teens out of the fun! They can contribute to savings as well. A 3.0 GPA will be rewarded with discounts by some auto insurance companies. Teens who have good grades and are involved in community service groups, like scouts, are seen as less risky. Insurance companies love to insure the ‘less risky.’

Use these steps to better afford teen car insurance!

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Having sleepless nights thinking about how to finance your purchase of dream car? Is your dealer giving you very high rates of interest? Do you have low credit scores? Well time to worry is over. You can get a new auto loan without much problem to handle. Follow the simple steps and get your car financed.

Find a lender: It is one of the primary steps in the whole process. If you have very good credit rating, go and talk to a financial institutions or bank. They will be pleased to help you out. If you do not have a very satisfying credit score, it is better not to approach a traditional financial institution. The reason is they might reject your application after seeing your credit score. They are not willing to take the risk. But do not be disheartened because there are others lenders waiting for you. There are credit unions, private lenders, and even some banks also. They are more than willing to cater to your needs.

Discussion with lenders: Once you have found out the lender, it is time to talk about the auto loan program they might have. Discuss about every detail of the program like rate of interest, down payment amount, loan term, discount offers, fees or charges, pre payment penalty involved. Get these details from as many lenders as possible. Find time to go online and check the online auto loan lenders. Compare the rates of interest because most of the other factors depend on it. If you have low score in your credit report, be prepared to pay a little high rate of interest. These lenders may be willing to ignore your scores while considering the application for auto loan if you agree to their rates. You can definitely lower the rates if you can negotiate your way in.

Know your limits: When you have got the details in your hand and have finished comparing the rates. You are likely to have arrived at the best rates you can get in the market for the auto loan. However, you work does not stop here. There is another important activity left for you to perform. Check your limits. Calculate your income, savings, and expenses. See how much you can afford to spend in excess of your present expenditures. If you are not very good with numbers, seek the help of the professionals or car loan calculator available online. They will help your know your condition in exact terms. This step is important because your expenses including your expected ones cannot be more than your income or must not exact your income. If it is equal, you run into risk of default payments. And it will not be good for your credit scores.

Now the last step is talking to the dealer. As soon as you know that you can afford the payment of a loan, choose your car. Visit a dealer who has the car and talk to him. Many times dealer will also have a loan program for you. Hear it out and compare with that of your choice of loan. Then choose the one which suits you best.

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If your thinking of buying a new auto, cheap insurance should be one of the factors you consider. Annual insurance premiums make up one of the more significant costs in operating an automobile so if you want to keep those costs to a minimum, choosing the right car is important.

Insurance companies arrive at insurance rates using reams and reams of statistics that analyze things like number of accidents, cost associated with those accidents, age of drivers, location of drivers, etc… and what kind of vehicles are involved in those accidents. From these statistics they can determine which types of cars are more or less likely to be involved in insurance claims and they will adjust their premiums based on this analysis.

According to InsWeb, one of the leading online insurance quoting websites, the top 10 least expensive 2010 vehicles to insure are:

Kia Sedona

Mazda Mazda5

Ford Escape

Hyundai Santa Fe

Mercury Mariner

Chrysler PT Cruiser

Ford Explorer

Subaru Outback

Kia Optima

Chevrolet Equinox

Conversely, the most expensive 2010 models to insure are:

Acura ZDX

Audi TTS

Audi A5

Cadillac Escalade

Chevrolet Corvette

BMW Z4

Lexus SC

Jaguar XF

Cadillac STS

Dodge Challenger

Of course, the first thing that jumps out at you from these lists is that the more expensive a vehicle is the less likely you are of getting cheap auto insurance. Most of the vehicles in the most expensive to insure list cost over $40,000 but then, if you can afford the car you should be able to afford the insurance.

Beyond the cost of the auto, cheap insurance is affected by several factors.

1- Loss history – reflects a specific model’s involvement in insurance claims. Of course it’s not the model itself that causes accidents but the driver. However, certain cars attract certain, higher risk drivers. It’s not hard to understand why performance vehicles would be high on the most expensive to insure list. Likewise, the most inexpensive cars don’t always make the least expensive to insure list because they tend to attract young, first time owners, who also bring a higher risk profile.

2- Repair costs – it’s just less expensive to repair some models over others. Parts availability and price is an important consideration. Note how many of the expensive to insure cars are high-end imports.

3- Safety features – Cars that come with lots of safety features like side air bags or vehicle stability control will have reduced claims from severe injuries.

4- Security features – Vehicles with good alarms or vehicle location devices are less likely to be stolen.

So, if getting cheap auto insurance is an important element in you car buying process make sure to review the above lists and shop accordingly. Remember however, that these lists are always changing so make sure you are looking at up-to-date information.

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