When it comes to filing auto insurance claims, then it is always advisable to know what you are not only doing, but what you are also expected to do in order to make sure that everything goes through without any problems. The problem here is that very few people understand the process, so it is hoped that the points that follow will just make life that little bit easier should you need to submit a claim.
To begin with you will need to find out if your insurance company will allow you to file the claim either online or by calling a telephone number and you will often discover that they will let you choose between these two options. It has to be said that the online option will tend to be the less stressful way as all you need to do is answer the questions that you see on the screen whereas with the telephone you can often expect to have to repeat things and spell out certain terms in order to make sure that you are actually being understood.
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Trying to understand car insurance coverage can be quite difficult for those that have no real experience of doing so and this does mean that the information that follows may prove to be useful if you are in the process of looking at getting a new policy. The truth of the matter is that the basics of car insurance are often quite easy to understand and these basics will now be looked at in more detail.
The first thing that you should know is that it is a legal requirement for you to have some kind of insurance before you go on the road. Failure to do so can lead to all kinds of penalties depending on where you live and the one thing that you can be sure of is that the fine for not having it will be a lot higher than the costs of the premium for a single year.
That being said, there are three basic types of coverage that you should be aware of with these types being third party, third party fire and theft, and finally comprehensive cover. Out of the three options, the cheapest is third party with the comprehensive cover being the most expensive as it does provide you with more things for your money; however, it is still a good idea to look at the different options individually. Continue Reading →