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Insurance News
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02 September 2009 |
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If you have been in an auto accident then you will likely have to file an auto accident insurance claim. Dealing with insurance companies can seem a daunting process but with a little guidance you should have no problem – Australian insurance companies on the whole have pretty good service. When filing a car accident insurance claim there are three tips we recommend to make the process hassle free.
1Contact your insurance company as soon as possible. Take time to read what pertains to your auto accident insurance claim when you first receive your insurance policy this will help clear up any misunderstandings before accidents happen and will give you an idea of what your auto accident insurance claim entitles you to instead of having to worry about it while your going through the trauma of an accident.
1When writing your statement include as much details of the auto accident as possible. You can reinforce your claim by taking pictures of the vehicle and any injuries that may have been sustained due to the auto accident. Take down names and numbers of any witnesses that may be able to help in proving your auto accident insurance claim when the time comes. Remember to take notes on any other persons or vehicles that were involved in this accident because this is very important to your claim.
1Keep all records pertaining to your claim. Write down when you have a conversation with the insurance officer, agents or anyone else that is involved with this auto accident insurance claim. Remember to keep all the bills and receipts that you may incur during this time. It is important to be honest with your insurance company because if you are not you could be disqualified due to fraudulent reasons.
By following QuoteMyWheels’ three simple tips you can help make your auto insurance claim an easy process rather than a nightmare. |
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FAQ
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02 September 2009 |
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Insurance companies charge a person based on their perceived risk and the type of cover taken. Basically, the higher the risk the more you will pay for your premium.
There are three main types of car insurance; Comprehensive, Third Party Property (TPP) and Third Party Property Fire & Theft (TPF). Comprehensive insurance is the most expensive followed by TTF and then TTP. Most insurance companies these days offer a range of options amount which can further alter the price of insurance such as windscreen cover, minimum driver age and changing the excess.
Some ways is which a driver’s individual risk is measured include;
- The make, model and price of the automobile
- The driving history and age of the people driving the car
- Any optional factory extra accessories that are fitted in the car
- The policy holder's residential address and where the car is parked
- The finance arrangement of the car
By visiting the Car Insurance Companies page on this website and then clicking on a company logo or name you can see all the details about a company including cover types (ie, comprehensive, third party property, third party property fire & theft), excess, No Claims Bonus (or NCD), company profile, underwriter, owner and also their rating of the company as voted by QuoteMyWheels users. |
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Car Insurance Policies
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19 August 2009 |
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Auto insurance provides a variety of benefits to motorists. Each driver must determine the benefits that are most important to him or her, based on driving habits, needs, and other factors. Some protections are fairly universal, but there are also some specific benefits that may appeal to particular drivers.
If you have a new or expensive vehicle then you should opt for the top level of cover, which is comprehensive. However, if you have an old car that has a low value then you can get away with taking out a lower level of cover such as TTP, which will enable you to keep the cost of cover down whilst still having piece of mind that you have some insurance protection.
There are many other services available for motorists looking for a more customised car insurance policy. Customised car insurance services come in the form of extras and include: No claim discounts, hire car after an event, windscreen replacement, emergency roadside assistance, equipment protection, car seat replacement and many others. Some insurers include a number of benefits as standard in their policy so it always good to shop around. |
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