American Insurance

Staged auto crashes Most people will be involved in a car accident at some point in their life. Some of these accidents, however, are by design. This is a very rare occurrence, but it is one of the ways that people can do insurance fraud. Sometimes these are organized by criminal networks that are highly sophisticated. The goal is to get payments from car insurance companies out of the massive amount of dollars going into the industry. Auto insurance is a multibillion-dollar ...industry. When fraud occurs, higher premiums are paid by everyone else to cover these losses. It can initially seem like a regular accident, one where you are driving along innocently, and a vehicle comes out of nowhere. Before you know what happened, passengers are getting out of their cars and complaining of injuries. Witnesses often appear in these types of accidents, and a stranger may urge you to go to a specific clinic or lawyer. Also, large damage and injury insurance claims can be filed against you by the other drivers... Read more on https://www.americaninsurance.com/staged-auto-crashes

Does insurance cover DUI accidents? Auto accidents are expensive, though DUI auto accidents come with a much larger number of negative consequences for the cited driver. Whether you are the cited driver or someone who has been hit by a drunk driver, you will likely have questions about whether your car insurance policy will cover the expenses associated with the crash. Car insurance is not the top concern in these cases, as you will want to make sure other people are okay, call 911, and assess if the accident is more severe. A DUI happens when a person's driving under the influence of alcohol or drugs and causes a car crash... Read more on https://www.americaninsurance.com/does-insurance-cover-dui-

What States Require Sales Tax Be Paid For Total Loss Settlements? When you get into an automobile accident, the insurance provider that will be covering the cost will do an investigation. This can be incredibly stressful as you wait to see if your claim is accepted or denied. Going through the proper steps if you are involved in a car crash is essential, and can help you increase your chances of having a claim accepted. There are multiple types of insurance, which is another ...consideration. Different types of insurance cannot cover the exact same expense, though you can sometimes use a combination of multiple insurance policies in conjunction with each other to get your expenses covered more efficiently. That said, determining external expenses you may need to cover is also important. Many people have questions about whether or not sales-tax needs to be paid on total loss settlements... Read more on https://www.americaninsurance.com/what-states-require-sales

What Is the grace period for car insurance payment? It is legally required that drivers maintain continuous car insurance coverage. To maintain uninterrupted coverage, individuals need to make on-time payments to their auto insurance providers. However, sometimes a driver fails to make their payment on time because they simply forgot to pay a bill or they misunderstood when a car payment was due. Rather than immediately terminating a policy and causing a driver to have a laps...e in coverage, many car insurance companies will provide the late payer a brief window of time beyond the original due date to submit the amount owed and allow them to maintain their coverage. This window of time is called the grace period. If a customer fails to pay the due balance after the grace period has ended, they will officially become uninsured... Read more on https://www.americaninsurance.com/what-grace-period-car-ins

What to do after a car accident that's not your fault Car accidents happen to many people, and different states have different laws to determine who is at fault. If you are found at-fault in an accident, there are different things you need to know than when you are in an automobile accident that is not your fault. While unexpected, automobile accidents are more common than people think. The circumstance of being in a car crash is stressful, and after making sure everyone is okay, knowing the proper steps is essential. If you can get yourself home safely after filling out a police report, you can research what to do next. Knowing in advance is even better... Read more on https://www.americaninsurance.com/what-do-after-car-acciden

What is a good auto insurance score Odds are, if you live in the United States, you’ve heard of a Credit Score. But have you heard of your auto insurance score? While it’s much less used than a credit score, the information that influences your insurance score is also taken into account by your insurance company when determining your auto insurance rates. It is also one of the main reasons that shopping around for auto insurance can help you save a lot of money. Different com...panies use different formulas to determine what a person will be paying on their premiums. Using the free quote tools on this website is a fantastic way to save money and get the best prices for car insurance available. Learning more about what an auto insurance score is has value. Read on to learn more about how your score is calculated, how to find your score, and ways to improve it... Read more on https://www.americaninsurance.com/what-good-auto-insurance-

How to Get Same-Day Car Insurance? There once was a man who was stranded in a small Missouri town. The details of the man and of the town aren't of particular importance but what is important is that he bought a car to not be stranded. Now a car alone is helpful but in order to be legal he needed to einsure the vehicle to get himself out of Missouri. While it isn't often, sometimes you just need to get insurance quickly. This isn't a criticism of Missouri but more a tale of need and how online shopping helped him in his exodus. This article will discuss same-day insurance, what it is, and how it works. It will also discuss what information you need to get same day insurance... Read more on https://www.americaninsurance.com/how-get-same-day-car-insu

The Consequences of Late Car Insurance Payments There are moments in your life where you have to make choices. Sometimes your budget dictates these decisions and some things have to slide as a result. It happens payments sometimes go out late and sometimes you have no control over that. Usually it won't affect you much until the day you get into an accident when you haven't gotten paid yet. It's always a terrifying time, will your insurance cover it? Is there a grace period? What do I do if my insurance drops me? These are valid questions and concerns and we will explore them in this article... Read more on https://www.americaninsurance.com/consequences-late-car-ins

State Laws For Teen Drivers State Laws for teen drivers vary from state to state and have a system in place designed to keep younger drivers safer on the road. There are three stages in young drivers. Learners, intermediate, and finally full privilege. Many students take driver's education in high school. Through experience and driver's education they get full privileges where younger drivers are considered full drivers and adults. Below is a state by state breakdown of pertinent laws with regard to younger drivers... Read more on https://www.americaninsurance.com/state-laws-teen-drivers

How Much is Your Insurance Agent Making Off You? The question arises about how much an insurance agent is making on you. It seems significant because in the world of insurance any commission would likely increase the cost of your premium. The subject of this article is about that very topic. How much do insurance agents make? How does it affect your premium? How much do you save by using companies that don't go through agents? It seems like a simple equation but the reality is a little more confusing. Agencies can sometimes be more expensive but direct agencies aren't always the cheapest option. This article is simply a primer and the ultimate decision is up to you when you and what works best for you and your family... Read more on https://www.americaninsurance.com/how-much-your-insurance-a

Questions to Ask Before Choosing an Insurance Agent It may seem daunting to research insurance. There are so many numbers thrown at you, and in many ways, it can create a bewildering environment where there are seemingly no correct answers. There is a fee for make and model, another fee for you address, a three-year-old speeding ticket raised it further, and on top of that another fee for your credit rating. All these figures swirl and make it nigh impossible to make an informed decision about your individual needs as well as how much you need to pay out of pocket. This article will address in some ways how to research a policy but even more so what to ask an insurance agent when you first meet them... Read more on https://www.americaninsurance.com/questions-ask-choosing-in

Insurance Claims When a Tree Falls on Your Car If a tree falls in the woods and hits your car when no one’s is around, will it make a sound and will you be covered? It's this philosophical question that we will answer for you in this article. Often when an accident occurs there is a collision of some sort and then the insurance companies decide who pays what depending on the circumstances of the collision and the laws in place in those states. Other times it is more difficult... to ascertain fault especially when the driver isn't in the vehicle and had no part in the accident apart from being at the wrong place at the wrong time. This article will endeavor to answer all your questions about what happens when a tree or tree limb falls on your vehicle and damages it without provocation. This article will also discuss what happens when the driver hits a fallen tree limb and really just covering a slew of tree related insurance questions... Read more on https://www.americaninsurance.com/insurance-claims-when-tre

The Rise Of Your Insurance Payments After An Accident The moment we have to utilize our insurance after an accident breeds a lot of anxiety in people everywhere. Yes, that’s what our auto insurance is there for, but if you get into an accident your insurance is going to go up whether you were the one at fault, or not. No one wants to pay more in insurance premiums, in fact, everyone dreads having to do that, but your insurance will play an important roll in providing you a safety net, in case an accident does occur... Read more on https://www.americaninsurance.com/rise-your-insurance-payme

Does Auto Insurance Cover a Stolen Car? The amount of crime found in a particular area has an effect on a person’s car insurance prices, particularly if they are getting a full coverage insurance plan. If you find that your vehicle is at risk of being stolen, you may want to consider getting an auto insurance plan that provides this coverage. There are many ways to save money on auto insurance coverage that includes coverage for stolen vehicles, and there are many new technol...ogies coming out on vehicles that help in the relocation process as well. Take some time to learn more about ways to save money on automobile insurance plans, including coverage in case your vehicle is stolen. Keep in mind that basic auto insurance coverage is not enough to give you financial protection if your car is stolen... Read more on https://www.americaninsurance.com/does-auto-insurance-cover

Car Insurance After a Canceled Policy If your automobile insurance policy has been canceled, you may be able to get a one time deal with your car insurance provider to get yourself back on track. People sometimes move, or miss payments because of the bill going to the wrong place, among other reasons. The best way to deal with a policy cancellation is to prevent it from happening in the first place... Read more on https://www.americaninsurance.com/car-insurance-after-cance

Can A Minor Buy A Car? The excitement of your first car, the one that was actually going to be all yours, still sits in your memories somewhere. It’s a memory of freedom, and the endless possibilities of destinations, and adventures that lay down roads you’ve yet to freely traverse. Something to not just call your own, but that can get you to new places, to jobs, and at the end of the dayback home. You’re almost there, but it’s time to think clearly and make sure all of your bases are covered... Read more on https://www.americaninsurance.com/can-minor-buy-car

SR-50 Insurance Every state is going to have differing mandates around insurance requirements for driving. It’s important to keep yourself updated on the policies surround insurance when living in any particular state. Don’t assume that because you met the requirements in California, that you’ll meet the requirements in Indiana. This is the kind of thinking that can get you into trouble if you’re not careful... Read more on https://www.americaninsurance.com/sr-50-insurance

Adding A Driver To Car Insurance It’s commonly thought that if you need to add more people to your insurance policy, then it’s going to cost you an arm and a leg. More in this case, could actually turn out to be better, depending on the driver you want to add to your policy. Different insurance companies give discounted rates for customers depending on their age, and driving record. If you are a younger person adding an older person onto your insurance, there’s a good chance ...that your insurance rates will go down. The opposite is of course true as well, because the younger drivers are considered more of a risk, but their driving history will still have an effect on the insurance quotes you’ll receive. Make sure to shop around before committing to a policy, there may be a better rate right around the corner... Read more on https://www.americaninsurance.com/adding-driver-car-insuran

Can You Get Car Insurance With A Drivers Permit? Congratulations! You’re taking the steps necessary to become a licensed driver. Getting a driver’s permit is one of the first important steps on a road leading towards incredible freedom. This is also a good time for you to start looking into what’s required of you as a holder of a driver’s permit, to legally drive a car. A quick answer to the question of whether you can get car insurance with a driver’s permit or not isyes, b...ut it’s often not necessary. Since you aren’t able to actually drive on your own, in most states, insurance companies will often extend the parent or guardian’s insurance to the teenage driver. The most important part of this equation is that there is insurance coverage on any car you are driving... Read more on https://www.americaninsurance.com/can-you-get-car-insurance

Food Truck Insurance Food trucks are pretty ubiquitous these days in most cities. They offer workers and pedestrians a quick, tasty meal at a good price. It’s hard to think of a cuisine that isn’t being offered by a truck in a big city. Tacos, halal food, burgers, Asian food, everything right down to the all American hot dog can be found. Food trucks offer a way for big name chefs to expand their brand and no name chefs to establish one. After all, they don’t have the overhead of a brick and mortar restaurant. But that doesn’t they have no overhead. Insuring a food truck is a bit more complicated than insuring a vehicle, or a brick and mortar restaurant for that matter... Read more on https://www.americaninsurance.com/food-truck-insurance

Luxury Car Insurance When cars get into accidents (a not infrequent occurrence) they can cause a lot of damage. It is estimated that an average fender bender results in about $3,500 worth of damage, and an accident that results in a serious injury costs over $60,000 in medical bills. A fatal accident can cause well over $1 million of total damage to people and property. Those stark numbers are the reason why virtually every state requires drivers to carry car insurance in order to legally operate a vehicle... Read more on https://www.americaninsurance.com/luxury-car-insurance

Exotic Car Insurance Automobile manufacturers generally make cars in large numbers targeted at a mass audience. The cost of small cars can be in the twenty thousand dollar range on average and mid-sized cars can run up to $40,000. Most cars these days perform very well and fulfill their main job of being a mode of transportation. The next step up from these cars are the luxury vehicles. This class of car uses higher grade material and provides an overall upgraded riding experience. The average luxury car in the U.S. runs between $50 to $60 thousand. Exotic cars are in a whole other price class... Read more on https://www.americaninsurance.com/exotic-car-insurance

Sports Car Insurance There are a couple of big purchases American families may typically make. One is a house, the other is a car. Although a house usually costs a lot more money than a car, they will both cost a lot more money than your average consumer purchase. For that reason, insurance industries have sprung up to help provide these big assets with financial protection from possible damage or complete loss. The business plan of an insurance industry is relatively simple.... They calculate the frequency or probability that a bad event occurs, then they calculate the resulting financial cost from the bad event. Next, they invite people who are at risk of financial losses stemming from the bad event to pay money into a pool of people who share the same risk. If anyone in the pool experiences a loss due to the defined risk, they are reimbursed for their loss. If the insurer does their probability calculations correctly, they can cover the losses, or claims, made by their customers while still making a bit of a profit for themselves... Read more on https://www.americaninsurance.com/sports-car-insurance

Car insurance rates for hybrids and electric cars Besides a house, an automobile is one of the most expensive purchases a family or individual will make. The average cost of an automobile is well over $20,000 and will cost its owner additional money for fuel and maintenance. For most vehicles, the fuel will be either gasoline or diesel. Advances in battery technology in recent years have enabled automobile manufacturers to introduce electric cars and hybrids into their produc...t lines. A hybrid car uses both both an electric motor and a gas powered engine to propel the vehicle. An electric car is powered solely by a battery. The cost of electricity is generally cheaper and more stable than gas prices and vehicles using the technology have lower emissions that gas powered cars. This makes them an attractive green alternative for many car buyers... Read more on https://www.americaninsurance.com/car-insurance-rates-hybri

Car insurance rates for Sedan In case you were wondering, a sedan usually has four doors while a coupe has two doors. The sedan is the basic non-luxury vehicle in the world of automobiles. Sedans carry passengers more comfortable in the back seat and are a popular type of vehicle... Read more on https://www.americaninsurance.com/car-insurance-rates-sedan

Car insurance rates for Minivan Cars are expensive acquisitions. The average cost of the family-friendly minivan is about $32,000 according to the Kelley Blue Book. Given the prevalence of car accidents on the American roadways and the potential for injury or worse in the event of a serious car crash, it is no wonder that virtually every state requires vehicle owners to carry insurance. In most states you won’t be able to even register your minivan without providing proof of ...insurance. Car insurance can seem pretty complicated at first glance, so here are the basics. Auto insurance is a contract whereby, in return for annual payments called premiums, a vehicle owner’s damages from a car accident will be covered by the insurer. Policies are characterized by the types of damages they cover, the maximum amount the insurer will payout in claims, and the amount of the deductible the vehicle owner must first pay out of pocket before the insurance payments kick in. You will have choices about all three of these items and you will find that the broader your financial coverage, the more your annual premiums will be. So too, the lower the deductible level you choose, those higher your premiums will be... Read more on https://www.americaninsurance.com/car-insurance-rates-miniv