What to do if you're hit by an uninsured motorist

Written by on 2/28/2011 4:45 PM . It has 0 Comments.

More drivers are letting their car insurance lapse because of the sour economy, putting themselves and others at risk. Several hundred thousand drivers dropped their insurance in the past year as the unemployment rate climbed.  In addition, research shows that almost 40% of individuals applying for auto insurance online had let their policies lapse, up from 10% a couple years ago. This trend is bad for everyone on the road.  If you’re hit by an uninsured motorist, you may have to sue to recover costs, and many uninsured motorists have few assets. So, what can you do to safeguard yourself, your family and assets if you are ever injured by an uninsured motorist? You can protect yourself, family and most important assets by increasing your uninsured motorist coverage. How is this beneficial to you? Well, uninsured motorist coverage provides protection for you and all the members of your family that reside in the household with you.  It also includes any minor children that do not resi ...


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What to Do At the Scene of An Auto Accident

Written by on 2/16/2011 5:15 PM . It has 0 Comments.

Knowing what to do if you are involved in an accident can save lives and can also make the claims process a lot easier.  Here are a few tips, provided by the Insurance Information Institute, for you to keep in mind if you are in an unexpected auto accident. Stop your car and find out if anyone is injured. Call the police or highway patrol. Tell them how many people were hurt and the types of injuries. The police will notify the nearest medical unit. Cover injured people with a blanket to keep them warm. Try to protect the accident scene. Take reasonable steps to protect your car from further damage, such as setting up flares, getting the car off the road and calling a tow truck. Ask the investigating officer where you can obtain a copy of the police report. If necessary, have the car towed to a repair shop. But remember, your insurance company probably will want to have an adjuster inspect it and appraise the damage before you order repair work done. Make not ...


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A Homeowner's Best Friend...

Written by on 2/10/2011 2:38 PM . It has 0 Comments.

America loves its dogs, whose population in U.S. households is estimated at 60 million. While dogs make great companions, playmates, and protectors, they also continue to be a problem for insurers.  Nearly two million people are bitten by dogs each year with around 800,000 individuals getting professional medical treatment for their wounds. Each of these incidents is a potential lawsuit. California’s level of dog ownership continues to grow. Therefore, biting incidents have also climbed. Another factor that contributes to these incidents is that owners often fail to supervise and train their pets. A third big contributor to the problem is that many persons, especially children, do not know how to behave around dogs. An Issue Of Control Insurance is still designed to handle accidents, and companies are at a severe disadvantage when policies are asked to respond to losses that are easily avoided. Dog bite claims involve the insured having control over areas such as: Choosing th ...


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