When dealing with car insurance companies, it is important to make sure that you are educating yourself. You have to make sure that you know everything there is to know about your rights, the obligations the car insurance companies have, and any legal loopholes there might be that could set you up for financial trouble if you are not aware of them.
Remember, your car insurance company is a business. Businesses exist to earn money for their owners. That is why you pay monthly premiums. In exchange for your money, the insurance company offers a certain amount of protection for you in the event of an accident involving a vehicle.
Sometimes car insurance companies will try to find a way to get out of paying for your medical bills or car repairs. This is especially true when you are dealing with a company that is representing another driver. This is not to say that the car insurance companies are bad or untrustworthy, it is just how business is run. They know their rights and obligations, do you?
The first thing you need to know is if you are ever involved in an accident, you have to get checked out right away. Even if you think you are not hurt it is still important to seek medical attention. There are many types of injuries that are not felt right away, especially when adrenaline is pumping through your body. Waiting for treatment until you find yourself in pain two weeks after the accident is not a good move. How can you prove that your pain is associated with the accident when you were not hurt enough to go to the hospital or to visit your family doctor?
Another thing you want to remember is that your credit history, your driving history, and in some cases, the driving history of your friends will impact the amount that you are forced to pay in premiums. Credit reports are often pulled when car insurance companies are trying to determine what to charge you.
Get your credit in line and make sure that you are paying everything on time. And remember, you are not the only driver that the car insurance company looks at. If you allowed your friend or relative to borrow your car and they totaled it or even caused just enough damage that you had to file a claim, that is going to count against you as an owner and it will affect your future premium costs.
When switching car insurance companies, make sure that you make a phone call or send a fax or letter to officially drop coverage. If you simply sign with another company and allow your other policy to drop for nonpayment, this could affect you negatively in the future. Cancellations for nonpayment, no matter your reason, can cause your future premium costs to increase.
Remember, knowing about your rights and how the insurance game works, will save you money and frustration. Learn everything you can on your own because you cannot expect the insurance company to lay it all out for you.
Rex Bush is founder of Bush Law Firm near Salt Lake City, Utah where he handles personal injury cases in Utah and throughout the United States. For more information on personal injury issues visit his website: Utah Accident Lawyer.
Article Source: http://EzineArticles.com/?expert=Rex_Bush
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