Repair Estimates

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Walking into a body shop without a handle on how to read a repair estimate can be pretty daunting. We want you to know exactly what's involved in the repair process, so we've compiled a few common elements of repair estimates to build your knowledge — before you step into a body shop.

How Estimates Are Determined

An estimate is just that — an estimate of the cost involved to safely repair your vehicle to pre-accident condition. Repair estimates vary depending on several factors including labor rates, parts prices and the amount of time necessary to perform certain repairs, but the main elements are the initial estimate, the supplemental estimate and an agreed price.

The Initial Estimate

Your claims representative will prepare an initial repair estimate so the repairs can begin. Your claims rep also can help you understand your choices to repair your vehicle. You have a choice in how you want your vehicle repaired: You can choose our concierge level of claims service, a repair shop in our network or your own repair shop.

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The Supplemental Estimate

If the body shop you choose discovers additional damage when repairing your vehicle, your claims representative will "reinspect" the vehicle. Reinspection is not unusual — a vehicle involved in a crash may have damaged parts that are not visible when the initial estimate is written but become visible once the repairs begin. At this point, the claims representative and the body shop representative review the damage to your vehicle together and make appropriate revisions to include all damaged parts that are found.

Agreed Price

Our claims representatives write estimates based on parts and labor costs associated with the repair. If the body shop's estimate is higher or lower than ours, your claims representative will discuss this difference with the shop, and they will agree on a price for repairs. Your claims representative will keep you informed of the repairs every step of the way.

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http://www.progressive.com/claims/repair-estimates.aspx

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• The homeowners discount
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When you call for a motorcycle insurance quote, licensed insurance agents will help you choose your coverages, deductibles, and payment method. Each insurance policy also comes with 24/7 customer and claims support.

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What's covered

The motorcycle insurance offered through Esurance covers 99% of bikes, including street bikes, cruisers, touring bikes, standard motorcycles, scooters, touring motorcycles, dirt
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Specific motorcycle insurance coverages may include:

• Comprehensive and collision coverage deductibles of up to $1,000
• 24/7 roadside assistance
• Accessory coverage for custom electronics, sidecars, etc. of up to $30,000
• Transport trailer coverage of up to $10,000

When you get your quote, you can ask an agent about these coverages. To provide a little more background, personal liability coverage can insure you up to $500,000 in case someone is hurt in your home (or you accidentally hurt someone on the golf course, for example). Off-premise coverage generally protects all of your things, including what's in your trunk, to a varying extent that depends on limits and deductibles. And coverage of up to $10,000 per person for certain accident-related medical payments can be added to your policy as well.

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Motorcycle insurance 101

Motorcycle insurance policies come in all shapes and sizes. You can choose from a wide variety of insurance coverages, including uninsured/underinsured motorist coverage, bodily injury coverage, medical payments coverage, comprehensive and collision coverage, roadside assistance, trip interruption coverage, and more.*
You might be able to save on your motorcycle insurance if you qualify for safety discounts designed for responsible drivers, or if you've completed an approved motorcycle safety course.

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http://www.esurance.com/motorcycle-insurance

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Though it may seem like a lot of money, car insurance is a very savvy investment in the long-run. A good car insurance policy can save you from financial ruin in the event of a car accident. If you were uninsured and happen to have an accident, you could face the cost of repairs to your car and the cars of the other parties involved; the cost of your, your passengers', and the other drivers' injuries; any lawsuit judgments; and the cost your legal defense in the event of a lawsuit. All of these expenses could add up and even bring you to the point of bankruptcy. Just as with car interest rates, lower car insurance rates will save you money compared to more expensive rates. Thankfully, this is preventable, and your first step is to get the best online car insurance rates on our site. We can help you find car insurance that offers quality coverage at affordable prices from respected insurers. The best online car insurance rates are only a few clicks away on our site.

About the Best Online Car Insurance Rates

We are not a car insurance company, and we do not actually offer policies. Instead, we specialize exclusively in matching our visitors with quality insurance companies that can offer the best online car insurance rates. We partner with a large network of car insurers to bring our visitors the best online car insurance rates we can. Because we are not an insurer, you can trust our quotes to be accurate, fair, and unbiased. Unlike other insurance websites, we do not stop at offering you one quote. In fact, we will provide you with up to five free quotes on the best online car insurance rates just for filling out one, simple form. You will see your quotes side-by-side to make your comparison shopping convenient and hassle-free. Our insurers compete head-to-head for your business, which allows us to offer you the best online car insurance rates. Here are just a few of the respected insurers that participate in our network:

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Van Insurance & Courtesy Vehicle Cover

Published: July 27th, 2011 | Categories: Auto Insurance News | 0 Comments

Did you know that many car and van insurance policies are letting their drivers down by not having sufficient cover when something goes wrong that is not their fault? Many of the cheaper policies that are available today do not include any provision for courtesy cars or vehicles when the drivers are waiting for their own vehicles to be fixed, and many only offer cover for a no fault accident or when the other driver is at fault. This essentially means that you could be left without transport. Of course, this may or may not be an issue for someone who drives a car but it almost certainly will be a problem for those with van insurance because vans are usually used for work purposes.
Before taking out any policy, you need to ask yourself whether or not you would be able to work without your van and whether its absence would impact upon your earnings.
Read more…

ER24 pleads for caution to avoid accidents in wet weather

Published: July 24th, 2011 | Categories: Auto Insurance News | 0 Comments

One man sustained serious injuries and a two men sustained minor to moderate injuries after a collision between a truck and a bakkie occurred on the N3 west bound, about 100m before the off ramp to the Pavilion this morning.
ER24 and SAPS Search and Rescue arrived on the scene and found the bakkie facing oncoming traffic but up against the Armco barrier in the left hand lane.
The passenger side of the bakkie was complete mangled piece of metal. The truck had left the road and was found down a 50m embankment. Members of public had already rushed down to the truck to make sure the occupants of the vehicle were okay.
SAPS Search and Rescue used the Jaws of Life to extricate the driver from the bakkie.
Read more…

Summer drive frustrates car insurance customers

Published: July 19th, 2011 | Categories: Auto Insurance News | 0 Comments

During summers, we all love to spend vacation at a good destination. Though the plan sounds interesting but driving sometimes become frustrated further influencing the driving efficiency.
The summer drive brings lot of frustration especially on busy days as many motorists are seen on road making the road congested and traffic moving slowly. The popular routes remain occupied by crawling traffic which makes it difficult for the car owner to reach the destination on time. The British road network is burdened heavily during the summer which increases the risk of any car damage and collision so it is wise to drive at safe distance and specified speed to control the car easily.
The biggest complain made by 70% of the motorists during summer drive is getting stuck behind any tractor or slow moving caravan.
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Cheap Car Insurance & Adequate Cover

Published: July 19th, 2011 | Categories: Auto Insurance News | 0 Comments

Do you know exactly what you car insurance covers you for? Many people are so busy looking for cheaper car insurance that they do not actually know how much cover they have at the moment. This is obviously unfortunate because it means that you could have the lowest level of cover possible and yet not know it. However, you will find out if you have an accident that causes your car to be written off as this is where the problems usually lie – with your overall level of cover, which could actually leave you unable to afford any type of car should your current model be written off.
77% of all drivers have inadequate cheap car insurance. This is generally because they fall into one of two categories. E
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5 STEPS TO BETTER AUTO INSURANCE RATES

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5 Steps To Better Texas Auto Insurance Rates

 

 

If you know what you are doing, it can be fairly easy to find a good car insurance quote in the State of Texas.  This article will hopefully show you how to get cheaper car insurance quotes from the best Texas car insurance companies out there.

1) Price
Price is not the key factor in determining your car insurance coverage needs.  However, it is a good place to start. You may be able to decide on a “Top 3″ based on your results and based on how much you can afford.  Remember, the information below combined with the cost, will help you determine which Texas insurance agency to go with.  If you base your insurance cover on price alone, the odds are that you will probably end up regretting it.  You can always find cheap Texas car insurance if you are looking for it.
2) Get references from the people who KNOW
Why not get some information from the people that deal with insurance claims every single day?  Local vehicle body shops deal with car insurance companies all of the time.  If you can take time to talk to a body shop manager for just a few minutes, you can rest assured that they will express their opinion on car insurance companies.  The best thing to do is talk with two or three body shops if you are going to get a sound consensus.
3) Financial Strength Ratings
Financial strength has become much more important in the wake of AIG and other companies that have or would have failed if they had not been given loans.  If you are dealing with a larger company, you can probably research their financial strength fairly easily.  Smaller companies are going to be harder to research as they may not provide public records.  If anything, the lesson that we learned was that financial strength does not equate to the size of the company.  Basic research can help here. At any rate, you can research either the Standard & Poor’s or A.M. Best for financial ratings.
4) Department of Insurance
Each state has a Department of Insurance.  Use this office to check the consumer complaint ratio and the basic rate comparison.   Below is the information for the state of Texas:
TEXAS DEPARTMENT of INSURANCEP.O. Box 149104Austin, Texas 78714-9104(512) 463-6464(512) 475-2005 (Fax)
Minimum Limits 20/40/15
5) Inquire about discounts you might qualify for a multiple policy discount.
One little known secret is that you can receive discounts to your overall policy if you combine or consolidate separate policies.  Also, be sure to ask about discounts for a good credit score, driving record, safety equipment (i.e. ABS), etc.  Discounts are the key to getting the best Texas auto insurance!
The Bottom Line
The bottom line is that after you have done your research, made the proper phone calls to conduct interviews and you have all of the numbers right in front of you, ask yourself, “Which Texas Insurance Agency company feels right?  That’s right, overall, which company do you feel most comfortable with based on all of the information you have.  It’s not all about the numbers.  You need to look at the auto insurance quotes texas and evaluate them looking at more then just the price to get the best deal!
Recommendations
The bigger companies like Geico will probably be there for you.  However, as we have seen, sometimes insurance companies can be too big.  Yes…they have the financial backing but the bottom line is that they will lack a little bit of that “small town” feel where you can actually build a long-term relationship.

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http://texasautoinsurance.biz/5-steps-to-better-texas-auto-insurance-rates

AUTO REPAIR INSURANCE

Auto repair insurance should not be overlooked by anyone with a car who wants to stop auto repair bills. If you get into an accident, your auto repair insurance company will kick in to cover the costs of repairs on both your car and the other person involved, depending on the amount of damages. Without auto repair insurance, you could be paying for that stuff yourself. It is for this reason that auto repair insurance should be required by law to have, so as everyone on the road will know that they are fully covered should they get into a car accident. When shopping for an auto repair insurance, it is important to consider a few guidelines. Below are some tips for finding the best auto repair shop insurance for your needs.

Auto Repair Insurance and Affordability

Everyone has a budget, and that should never be exceeded. The same goes for shopping for an auto repair insurance. There are many different auto body repair insurance companies which offer various rates for people just like you, who are on a budget. If you shop around, and do your homework, you will find an auto insurance provider who will cater to your needs while still keeping things within your budget. The research is the hardest part of all auto repair insurance shopping, but it is well worth it and will help to save you tons of money and keep you covered. Read over many auto repair insurance reviews to find this information most easily. Also, remember to be on the lookout for auto repair insurance fraud, so that you do not pay upfront and find yourself with no coverage.

Auto Repair Insurance Companies To Consider

There are many auto insurance companies claiming to offer the best prices, best coverage, blah blah blah. Few are actually worth your time and recommended for you to use. You will obtain the best auto repair insurance quote by using these companies. If you are looking for California auto insurance rates and quotes, these are also the best companies to consider.

• Us Fidelis
• AAA
• Geico
• Progressive
• Mogi

What Does The Auto Repair Insurance Cover?

Auto repair coverage is the biggest thing to look for. Many people who have used auto repair insurance found that their auto repair coverage wasn’t what they had wanted. The span of accidents and damage which the auto repair insurance covers is very important for a consumer. The last thing you want is to get into an accident and find out that your auto repair insurance doesn’t cover rear bumper replacements or something along those lines. This is where reading the fine print is very important, as many auto insurance companies claim much more than they actually provide. Pay attention to any contracts which you are signing with your auto repair insurance company to ensure that you are getting the best bang for your buck, in terms of coverage.

Auto Repair Insurance Should Be Fixed

You want your rates to be fixed, unless they can go down. This is where some of the more reputable auto repair insurance providers are going to be your best bet for who to sign with. The better, more popular companies can afford to actually give you rate deductions based off of your driving habits and lack of collisions. If you don’t get a ticket for a year, then your auto repair insurance rate should not go up. Sometimes you may be able to obtain an auto repair loan, if your insurance lacks the ability to cover the damages, and auto repair financing is available on that loan.

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http://autorepairinsuranceonline.com/