The Car Insurance Insider

As a motorist, I’ve had my share of accidents and other incidents related to my automobile and even as a pedestrian. So far, I’ve been lucky I haven’t been in a major accident yet. In all these instances I’ve had light fender benders and scrapes with the pavement and the parking meter (I’m not an expert with parallel parking yet). In these cases my car insurance has helped defray the cost of repairs, both for me and even those I’ve had accidents with.

That’s why I thought of helping other car owners with auto insurance matters. Auto insurance matters. It not only saves you money, but it saves you the trouble and effort!

by: Christine Zafra

If you want to take your dog out for a ride, fear not. Progressive Corp. now covers your pets under their premiums’ umbrellas. If your pet gets into an accident, has been injured or dies, the company will cover $500.00 as the pet’s insurance (nothing will be added to your premium. So, basically, it’s for free! Or maybe, more of a perk). Although veterinarian costs are much higher than $500.00 (depending on the accident), some prominent people in the insurance industry applauded Progressive Corp. for their efforts in taking into consideration the welfare of animals.

This insurance coverage for pets does not promote reckless or irresponsible driving. You’re still obliged to drive safely.

Photo taken from http://boogieatedonut.blogspot.com

by: Christine Zafra

If you have a desperate friend who wants to make use of your car for about 3 days or so, but unfortunately, you worry that your precious “baby” (your car) will be on somebody else’s hands, then don’t bother. UK residents attention: there’s a solution to your plight. Introducing “Short Term Car Insurance”. Your car can still be insured even though another one uses it. All you need to do is register the other user and your car as well to get this great offer. The short term insurance’s coverage is from day 1 to day 28, and will cover an amount of about 40,000 pounds.

Photo taken from http://www.hastingsinsurance.com

The city council at Port Richey tentatively approved a proposal to charge auto insurance companies and most nonresidents who cause accidents within city limits a fee to cover emergency services. Cost-recovery programs have become an attractive revenue source for municipalities in Florida, many of which are struggling amid state-mandated property tax changes. The fees, collected by a company that specializes in cost recovery, are based on the time and materials devoted to the accident and assessed on statewide and national averages. If the insurance company refuses to pay, the cost-recovery company will go after the nonresident who caused the wreck. If a city resident is at fault, the fee is forgiven. It will be made into a law if it is approved by council a second time.

Completing an auto insurance quote comparison is a smart way of obtaining competitive rates. Doing so usually involves having to contact multiple companies individually to request quotes which can be quite a time consuming process and can quickly become frustrating.

Some benefits of online auto insurance quotes are time efficiency, savings, and future policy management. Also, consumers can now purchase auto insurance online from most carriers of choice. With many factors to choose from, consumers can even compare companies by brand, financial strength, customer service, complaint history, rates and more. Not only that, consumers can inquire on status, billing and even make payments online.

Medical tests, known as preadmission testing are conducted regularly to evaluate if the patient must be admitted or not. To be able to be admitted in a medical institution like the hospital, a pre-admission certification must be presented to the medical case manager of legal health insurance associate. Usually, health insurance policy holders have pre-admission certification in their documents. Medical workers involved such as the doctors or nurses can contact the patient anytime. The purpose of this certification is to avoid exposing the patients in health care treatment services that are not really relevant in the betterment of their condition.

Car insurance, though a necessity, is continuously increasing because of a lot of factors. In the news, Norwich Union announced in August 2006 that it was increasing the cost of its car insurance cover by 16%, which caused a big stir among car drivers who buy car insurance. Actually, the increase may reach up to 40% for some drivers. Along with this, the cost of accident damage and personal injury claims is rising rapidly, further adding to the stir. So consider buying insurance as early as possible.

Here’s a list of sites where you can get online quotes for auto insurance. Most of these sites allow you to key in your ZIP code for more localized quotes, and so you can contact a local agent.

• Allstate
• GEICO
• Progressive
• Esurance
• Safeco
• AIG
• AAA insurance
• Liberty Mutual