Cheap Insurance In Houston

Reader’s Question:

I got a suspiciously cheap insurance rate in Houston. I should have known better: the insurance company is giving me these ridiculously low values for car repairs when I got into an accident a week ago. What can I do?

Paul

Houston, TX

Cheap insurance companies in Houston, or in any other state in the U.S. for that matter, usually protect themselves behind legal loopholes. However, there are a couple of things you can do to check if your insurance company is pulling a fast one on you:

• Read your policy carefully – if you can afford to, get a lawyer who specializes in auto insurance policies to help you interpret the different terms and conditions on your policy.

• Have the adjuster explain – when your car is damaged in an accident, an adjuster will assess the total cost to repair your car. Have the adjuster make a comprehensive list of assessments to serve as a basis for negotiating with your insurance company.

• Provide evidence of the damage – videos and photos are excellent ways to provide hard evidence of the damage your car suffered. You could also dig up the receipts of everything related to your car: the car purchase, insurance policy purchase and other repairs are just some receipts you can use for this case.

• File a complaint –if your cheap ass insurance company still won’t budge and you feel cheated out of the deal, you can file a complaint with the Texas Department of Insurance