Monday, November 28, 2011

Why Auto Insurance Premiums are High After at Fault and No fault Accidents?

Car accidents,now a days are very common.There are number of car accidents noticed daily.All city/state/country faces this car accident problem.This accidents are either your mistake or due to opponent driver mistake.
If you don't have insurance,then getting high accident bills paid is very difficult.
The Insurance claim depends upon the cause of accident.If its your mistake and car met accident,then terms differ,If its opponent car drivers mistake and your car damaged in accident then terms are different for the claim.
Your car car driving record matters the most.If you are bad driver some years back and your driving record was bad,then also insurance companies consider its your fault,because your driving record was weak.
This basic points are mentioned in every auto insurance policies.Either you have to ask the company provider about this points or you have to read the policy completely and get details regarding this point.That if its not your fault,then claim rate should be paid high to you.Your old driving record should not be considered in getting the accident claim.
If you have a bad driving record, you will be considered as a high-risk driver. Most likely, you will have to pay for high car insurance premiums because of the accidents that you have encountered in the past.Also your insurance premium rates increases if your car met an accident after getting the policy.You will be considered as high risk driver.So basically following all traffic rules,driving carefully will help you to lower your insurance rates.Also your driving record will be clear and you get high claim returns when an accident is caused to your car,in which its not your fault.

Also to know and understand more about this insurance premiums increasing for you,get help with local insurance brokers in your area or near by insurance agents residing in your area.Also one more big source to get help is internet.Now a days most of the insurance companies have launched their websites online.You can easily check and confirm there rules and regulation,You can go through there terms and conditions.Also buying auto insurance online is very easy.You can full coverage auto insurance quotes online,then compare auto insurance quotes online and then select the right insurance policy.If your present insurance policy provider is not very helpful then you can switch to other car insurance policy for renewal of next year and for that also there are many online sites,which helps you to choose and buy auto insurance online instantly.

This basic details will help you to understand,why your car insurance premiums getting increased.So maintain your driving record.
Keep safe driving as your motto.
This will help.Thanks.
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