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www.besttexasautoinsurance.com Mitchell Jameson – Allstate Insurance Agent 1214 E Palm Valley Round Rock, TX 78664 (512) 255-8808
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A question from earthling: How much money does car insurance go up per year after an accident that is your own fault?
My wife and I just had an accident in a parking lot in which we backed into another car that had almost completely backed out already. No one was hurt, but the damage caused by our car is between $ 1,000 and $ 1,500. We will not have the damage to our car repaired. This accident is our fault; however, both of us have had a completely perfect driving record up until now. We just want to know how much this accident is going to make our insurance go up.
Best answer:
Answer by intelligent_friendlistener
Usually 5 percent for 5 to 10 years depending on the company. But – a good company will credit you with many years of good driving. I had no tickets and no claims for 35 years and got a letter saying I cannot be cancelled for any reason – ever – even if I decide to ram someone. Ask your agent most are close to the same so if you have enough “perfect” years maybe you will not get any penalty.
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More: www.xard.org Insurance Coverage Laws Explained – New York State .htm Auto/Car Insurance Coverage Laws Explained – New York State *New York State Auto/Car Insurance Coverage Laws Explained We have two types of insurance in New York State required of every motor vehicle. One deals with no fault insurance, which pays for medical benefits, lost wages, and some out of pocket expenses, regardless of fault. The other is liability insurance and they are not the same. What I want to urge each of you, is that you cover yourself as well as someone who is involved in a car accident with you. And by that I mean, if you carry 0000 worth of liability insurance, your protecting me, if you hit me with your car. If you get into a collision with another car, and you only have ,0000 worth of underinsurance coverage, then you’re protecting yourself only to the extent of 000. It pays for you to make certain that your underinsurance rates are as high as your regular insurance coverage. The cost is minimal and the protection is priceless. Now with no-fault insurance your medical expenses are paid. Within 30 days of the auto accident, you are required to notify your insurance company that you have been involved in a automobile accident. They will assign a claim number to your case. You will give that claim number to any treating doctor/physician or any other medical provider and they will bill your insurance company directly regardless who is at fault in this car accident. Your …
www.allstateagencies.com Car collision damage and comprehensive coverages are often misunderstood terms. What is the difference between these two? What exactly do they cover for you? Find out how to better protect your car and you in case of an accident. Give us a call here in Clearwater at (727) 449-8800
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Bumpers, even those on expensive cars, don’t resist damage in low-speed impacts. The Infiniti G35, the worst performer, sustained almost 000 damage in a series of 4 tests conducted at 3 and 6 mph by the Insurance Institute for Highway Safety. The Saab 9-3 was the best, sustaining 43 damage. Only 3 cars sustained less than 00 damage, while 4 would cost more than 000 to fix. Why bumpers don’t bump: The purpose of a bumper is to absorb the energy of a low-speed collision before it damages expensive-to-repair parts like fenders and hoods. But there are multiple problems, the first of which is that the bumpers on colliding vehicles often don’t line up vertically so they don’t engage to begin with. Even some that do line up don’t stay engaged during an impact. Their aerodynamic styling may allow them to slide under the bumpers of the vehicles they strike. This means they can’t do the job of energy absorption. Another problem is that the bars underneath bumper covers, which are supposed to do the main work of absorbing crash energy, often aren’t up to it. They may not be big enough to provide much protection from damage, especially if they don’t extend to vehicle corners, or they may be too flimsy to absorb much energy. Something else driving high repair costs after minor bumps is the price of replacement parts to fix the damage. This is especially true of luxury cars, which are expensive not only to purchase but also to repair. To assess and compare bumper …
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