Tips On Filing an Auto Insurance Claim

Reader’s Question:

My brother had just have an accident a couple of days ago and then everybody in the family is flustered about the injuries, damages and expenses and nobody has thought of my brother’s car insurance. Can you give me some tips or strategies on how to file a claim and deal with an insurance company here in California?

Grey

Oxnard, CA

It is a common reaction of the driver’s family to be confused after the accident but then one of the members of the family will snap out of confusion which is a good thing. Knowing how to handle car accidents and filing claims are things that will help us fight for our rights and get compensation. And if you are not well informed there are things that your insurers would do in order to fool you in order for you to settle for less.

The first thing your insurer in California usually would do to your damaged car is to utilize the parts in fixing your car and they will also try not to explain to you on how to file for a personal injury claim or you can get fully compensated. The best thing you could do is to read carefully and understand thoroughly your policy for you will know what your rights are and how much you can get, you should not give in to what they offer for they are not making mistakes but rather they are doing everything intentionally. Usually, car insurance companies make the process for claims very difficult but still you have to be strong and seek legal advice if it is possible. It may be a long way but then it is worth it.

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Reader’s Question:

My brother got a speeding ticket last month and when his car insurance called to talk about his premium he went ballistic for his insurers told him about the increase. He thinks that speeding in Texas is not a crime, is he right about this? If he is, then how can he make his car insurance for high risk lower?

Paige

Dallas, TX

Honestly, speeding is a crime, you may not have caused an accident yet but most likely you will, especially like Texas which is a big and crowded state too. Getting a speeding ticket usually makes people proud of themselves for being the fastest driver but when accident happens, you are called a monster if you have caused a lot of deaths. Another thing is, you are classified as a high risk driver therefore you have to get a car insurance for high risk drivers which is very different from your previous one for it is way more expensive.

If you cannot afford the car insurance for high risk premiums and you know that the reason of your high premiums is your driving record then what you should do is change your behavior on the road. If you get a speeding ticket then drive slower the next time you hit the road. If you have been convicted of DUI then make yourself sober whenever you are going to take the wheel. Doing these things does not make your premium easily go down, it takes time. And if you still cannot afford the car insurance for high risk then you can go to a more remote place, go to a quite neighborhood with few cars pass by the road every day. When you move out from the crowded city with lower risk, you will surely have a lower premium.