Cheap High Performance Car Insurance
Reader question:
I have a great car but it has a dent on it now, which I found when I came out of the store. Should I make a high performance car insurance claim?
Michael
I’m glad you asked, Michael.
You know, I think that one of the reasons that people can’t get cheap high performance car insurance is because they are too worry some about their vehicles. Now, don’t get me wrong. Most high performance cars are expensive, and thus even the smallest scratch could cost more money than usual to fix. However, you should not compensate for your worry for your vehicle by making a high performance car insurance claim for every little thing that happens. Even if it is something that will cost money to fix, that does not mean that your car insurance company will need to know.
The way I see it is that if something is under your deductible or you are otherwise able to afford to pay for the damages, then most of the time there is no reason to contact your high performance car insurance company unless you are a hundred percent sure that this would not put your clean auto insurance claim record in jeapordy. The reason I say this is, even though auto insurance companies want you to report all accidents in good faith even if you don’t file a high performance auto insurance claim for them, and they won’t punish you after the first couple, once you start a list then you will begin to see that they don’t think you are as good a customer as they thought you were before.
There are some guidelines that you should go by when deciding whether or not to report your high performance auto insurance accident to your company, and I’ll give you a list following this. You should think about these before you decide to call up and advise your company of your dent, although there are always going to be more factors and these should not be the deciding ones for your situation. Here they are.
- Can I pay for this?
This is the number one primary thing that you should consider. I got a dent in my car, too, recently, but I didn’t bother to call up my vehicle insurance company. It will probably cost me around fifty dollars to get fixed, which is five percent of my auto insurance deductible, so it doesn’t make any sense to report it. I can just wait and be lazy and go get it fixed when I’m ready, instead of having to worry about the long problems making a claim with my auto insurance collision coverage.
- Am I alone in this?
Another thing that will obviously play a huge role in you reporting your little accident to your high performance car insurance company is whether or not someone else is involved. If someone else is involved in the accident, then go no further. REPORT IT. I really don’t think there should be exceptions to this guideline, because even if the other person says they are okay and there is no need to report it and claim, that does not mean that it is true.
I’m not saying that the other person is lying, but I am saying that the evidence of damage may not be apparent right away after you get into an accident. The other person might start to feel back pains later that night, or might notice their vehicle making weird noises on the way home. One time I barely nicked a guy, and although there was no outer damage to my car, it wouldn’t start! You never know what will happen. If you get into an accident involving another party, report it.
Cheers,
Fashun Guadarrama.
Auto Insurance Claim – How To Prove Negligence?
Reader question:
What does it mean to be negligent in an auto insurance accident when making an auto insurance claim?
Mallory
That’s an excellent question.
The word negligent is a term used in the legal sphere to speak of an action that was caused as result of carelessness on the part of the negligent driver. This is often used concerning people, as in a negligent parent is someone who does not watch their child well enough and the child runs out into the woods and is eaten by a bear. In driving, negligent is much the same in that one driver’s careless action causes damage to another person or someone else’s property. For example, say you are passing through an intersection that has stop signs. While you’re in the middle of the intersection, another vehicle drives up to the stop sign that is perpendicular to you, fails to see it, and keeps right on going, and then smashes into the middle of your vehicle. You would have no fault in an accident such as this, because the second driver was completely negligent and didn’t keep an eye out for stop signs and other drivers.
Even direct acts involving the driving itself are not the limits when it comes to the word negligent as it is used concerning auto insurance claims. For instance, say someone who thinks they are especially cool goes driving after dark while wearing dark sunglasses. This person would then have a much lower visibility and could easily miss something and cause an accident. They would be considered negligent, and thus, at fault, because their silliness in wearing the glasses lowered their ability to drive responsibly and thus indirectly caused an auto accident.
Negligence is usually what is used to figure out who is the one who is at fault in a car accident and auto insurance claim, and it isn’t until negligence (or the occasional purposeful act) is found out that someone can be considered the at fault driver. If the other driver in your car accident is found to have acted carelessly, that is, to have been negligent, then they are responsible for any trouble they have caused you. Thi can extend from injuries and damages to your vehicle to anguish that you have suffered from the collision.
Cheers,
Fashun Guadarrama.
Loading ...