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 Fall brings cooler weather, beautiful colors and a spike your odds of having a deer accident.

This topic may feel more like a community service message than an insurance topic. However, all drivers need to be alert for a peak accident season coming up within the next month that you will need insurance coverage for.

Is it the drunk driving season? Well-yes, but we will cover that one in a different post.

The peak accident season that I am talking about right now is deer accident season. The higher number of deer on the roads this time of year increases your chance that you will end up having to file a claim for a deer accident.

For deer (and other animals) the fall holds two critical seasons for them. First, it is hunting season. But, contrary to popular belief, hunting season is not the reason for the increase in deer accidents. During hunting season deer still stay very close to their normal habitat. Also there is little hunting done close to the main roads to cause a deer to be spooked by a hunter and dart out into traffic.

Second, November is the mating month for deer. Now this is the main reason behind the increase in car vs. deer accidents. During mating season, deer venture off to find a mate. They leave their normal habitat and whether alone or with the herd they are going to be crossing roads to find that mate. Naturally, the more deer out on the roads the higher chance of a deer accident.

The roaming behavior during this time of year, in addition to more and more humans living in what is deer habitat, brings us together. Throw in a vehicle and an animal that spooks easily and you have the perfect conditions for a car/deer accident.

If you think about a deer accident, technically a collision has occurred. But, no matter if it is you hitting them or even them hitting you (yes, these animals have been known to run into vehicles), any animal hit actually falls under your comprehensive coverage. It doesn’t matter if the animal is alive when you hit them or dead it is all the same.

This is actually good news for you as comprehensive coverage claims have less impact on your insurance premium. Also your comprehensive coverage deductible is usually lower than your collision coverage deductible.

On the other side, if you were to swerve to miss a deer and you ran into a guardrail or a tree; this would fall under your collision coverage.

With the increased chance of having a deer accident during this time of year, you may want to consider lowering your comprehensive coverage deductible during this time. Yes, this will create a small increase in your comprehensive coverage premium. However, the increase will be smaller than what you would end up paying out for your comprehensive coverage deductible if you were to have a deer accident.

It would also be a good idea to add this coverage to your insurance if you don’t already have it. It is better to have the comprehensive coverage and not need it, rather than need it for a deer accident and not have it.

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  • services sprite A Deer Accident and your Comprehensive Coverage
  • services sprite A Deer Accident and your Comprehensive Coverage
  • services sprite A Deer Accident and your Comprehensive Coverage
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What’s the difference between PIP and medical payments coverage?

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auto insurance coverage

derrick mason What’s the difference between PIP and medical payments coverage?

Auto insurance coverages are important to understand

Response : A very good question. Once you understand this you would know what auto insurance coverage you need and why you need. This is important since health expense is an expense you can never put off , you need to be in good health and restort your health to survive. You can put off the repair of the car but can you put off the body issues?

 Basic liability insurance covers the injuries you cause to others in car accidents. But what about your injuries? You’ll need to buy extra coverage to cover those. There are two main kinds of coverage that offer payments for a driver’s medical bills after an auto accident: medical payments coverage and personal injury protection (PIP). Here’s how these two types of coverage work.

Medical payments coverage is an optional type of insurance that pays for necessary medical bills for you and your passengers after an accident, according to the National Association of Insurance Commissioners. It will cover you even if you’re the one who caused the accident. The amount of the payout depends on how much coverage you buy; generally, only treatment received within three years of the accident is eligible, according to Progressive. In addition to paying medical bills, medical payments coverage will pay for funeral expenses if you or your passengers die.

Medical payments coverage can end up overlapping with a person’s general health insurance coverage. But for those without comprehensive employer health insurance, medical payments coverage can be a safeguard against the expensive injuries that result from auto accidents.

Personal injury protection (PIP)

PIP pays for medical bills, funeral costs and lost wages after an accident. In states with no-fault insurance systems, it is a required type of coverage. No-fault states require that accident victims collect from their own insurance companies instead of suing the at-fault driver’s insurance company. PIP, which pays out no matter who is at fault, allows them to do that.

Some states that don’t have no-fault systems still require PIP. Texas, for example, requires drivers to buy it unless they sign a waiver specifically rejecting it, according to the Texas Department of Insurance.

Similar but different

If you live in a state that offers both medical payments coverage and PIP (and where both are optional), it’s important to know the differences.

For one thing, PIP covers lost wages, while medical payments coverage does not, according to the NAIC. In other words, PIP will help make up for the wages you missed while recovering and unable to work. Medical payments coverage, meanwhile, pays only for your medical bills.

Another key difference has to do with something called “subrogation.” If you have PIP and you get a settlement from the other driver’s insurance company, you can keep all of the money, according to the website of Robert C. Slim, a personal injury attorney in Dallas. For example, say you get $2,000 from your PIP coverage to pay your medical bills and then sue the other driver’s insurer and get a settlement $5,000. That settlement is yours to keep.

In some states, though, things can get more complicated when it comes to medical payments coverage, as it is subject to subrogation (a legal term for reimbursement). For example, say your insurer pays your medical payments claim and you then get a settlement from the other driver’s insurer. Depending on your state, your insurer might be entitled to part of that settlement as reimbursement for the medical payments claim.

Get your car insurance quote, once you know what coverages you require.

 

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  • services sprite What’s the difference between PIP and medical payments coverage?
  • services sprite What’s the difference between PIP and medical payments coverage?
  • services sprite What’s the difference between PIP and medical payments coverage?
  • services sprite What’s the difference between PIP and medical payments coverage?
  • services sprite What’s the difference between PIP and medical payments coverage?
  • services sprite What’s the difference between PIP and medical payments coverage?
  • services sprite What’s the difference between PIP and medical payments coverage?
  • services sprite What’s the difference between PIP and medical payments coverage?
  • services sprite What’s the difference between PIP and medical payments coverage?
  • services sprite What’s the difference between PIP and medical payments coverage?
  • services sprite What’s the difference between PIP and medical payments coverage?


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Compare car insurance quotes in Texas

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Car accidents have the potential, dangerous and expensive. Depending on the severity of collisions can be very high damage and medical costs. That is why Texas Transportation code insists that driver set financial responsibility before the journey. A popular way to achieve this is the automotive plan purchase. To find suitable and cost effective, however, drivers must normally shop and compare many different offers. The difference between insurance companies and the policies that they offer can be great, and a number of options to explore can choose the plan inhabitants, which appropriately is price. The Internet helps in General shopping, by process information quickly from numerous sources and for a wide range of data.

Collect car insurance quotes in Texas can very much, looking for other products while on the Internet. The NAIC estimates that the average expenditure in the Lone Star State as offer $854 but some insurers prices, either higher or lower, based on a variety of information. Coverage provider typically look at individual personal information – such as age, gender, marital status and education – in addition to information about their car as the model, make, year and annual mileage. Review help find estimates from many different sources to one that is adequately price, because there generally are the research drivers in many different options. Drivers can but know that the directives are usually compared a comparison more than just price.

Automobile insurance buy one of the most important points is appropriate after an accident are covered and meet requirements of the State financial responsibility. Doing this generally contains buy more even protection when necessary. Comparison of the prices of measures, the higher liability are limited or additional forms of coverage is a great way of getting a low-cost, covering a variety of situations. After Texas motor vehicle crash 2009 were statistics – around 235.280 people injured in a single year as a result of accidents, and the cost of medical care can be expensive quickly. For this reason, drivers can add to compare coverage on their potential hospitalisation cover, which may result from a collision, and the hotel prices MedPay that have this addition.

Research, to find a cheap policy in the Lone Star State is very encouraged and easy to reach with the help of the resources available to online. But even with this readily available, some drivers are uninsured. There are over 7.6 million registered vehicles in Texas, but the insurance Research Council estimates that about 15 percent of the drivers in TX 2009 not insured. These drivers risk a series of fines and other consequences, which includes a possible order range from $175 $1,000 and the possible loss of the license. Comparative shopping can motorists to avoid these consequences, offering an easy way to find the cover, and residents are recommended to use these valuable resources.

Source: http://www.onlineautoinsurance.com

The permission is once again publish this article free of charge, as long as the embedded links remain intact and are not modified, edited or newly formulated articles.

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review car insurance termilogy


How can car insurance terminology help you to review car insurance coverage.

It is very important to understand how car insurance works is important because almost everyone in the United States own vehicles and some might be owning more than one car. Auto insurance coverage has become mandatory is the most States, since it has been a solid financial decision to make. Car accidents do happen though we are taking all sorts or precautions. Having more safe cars built, having better driving training, better roads and most important news given on the radio of any road issues or weather issues. Here are some tips on how car insurance terminology to understand.

Before you review car insurance understand the basic auto insurance termilogy.

The basic terms, to see a person on their car insurance documents are premiums, deductibles, coverage and services. The types of auto insurance, the a driver for can sign comprehensive, collision and liability. Liability coverage is the lowest auto insurance coverage that is available in all 50 States. Because it has the lowest coverage limits available it is the type that excess of insurance coverage that require most of the countries for their drivers in a car accident.

Policy

The written contract effecting insurance, or the certificate thereof, by whatever name called, and including all clause, riders, endorsements, and papers attached thereto and made a part thereof.

Deductibles

Deductibles are listed only when a driver decides for comprehensive or collision auto insurance coverage. If you choose, you have a deductible will your car insurer, you pay a certain amount of money to cover damage which say basically from a car crash, which you are involved in. By these measures is the driver to reduce the financial risk because their insurer for less the cost of the accident is responsible. You the deductible may have as low as $100 or as high as $1500 in most States and the higher a deductible the less you have to pay to be insured.

Reporting benefits

In your car insurance documents you must choose the limits on your cover as $25000 for property damage and $50000 for medical treatment. Choose wisely to ensure that you are properly insured.

Exclusions

Items or conditions that are not covered by the general insurance contract.

You need to read this properly. Review car insurance coverage based on the exclusions since at one place the insurance company might be showing the coverage but at another place in the exclusions it is limiting the coverage.

For eg. (this are not the excat wordings from any insurance company, however the intent here is to explain to you how the policy or the wordings need to be intepreted) On coverage: Your car insurance coverage will pay for a driver whom you lend the car. On exclsuions: If the driver is not legally licensed to drive the claim will not be payable.

Drivers that have failed

Be the driver who applies for a car accident is the car insurance company to paying money to the other driver or driver for monetary damages that they suffered as a result of their actions. Those who blame is governed is said generally about this after a claims adjuster a claims investigation is completed. In the course of this investigation, the claims adjuster will make the drivers involved and see, what they have to say about the accident. The adjuster also checks written observations the drivers and the witnesses the testimonies confirm, which have been given.

You can review car insurance coverage based on the car insurance termilogy at AM Best or Insurance USA Glossary.

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  • services sprite How car insurance terminology helps you to review car insurance  coverage.
  • services sprite How car insurance terminology helps you to review car insurance  coverage.
  • services sprite How car insurance terminology helps you to review car insurance  coverage.
  • services sprite How car insurance terminology helps you to review car insurance  coverage.
  • services sprite How car insurance terminology helps you to review car insurance  coverage.
  • services sprite How car insurance terminology helps you to review car insurance  coverage.
  • services sprite How car insurance terminology helps you to review car insurance  coverage.
  • services sprite How car insurance terminology helps you to review car insurance  coverage.
  • services sprite How car insurance terminology helps you to review car insurance  coverage.
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Would you be able to pay $2000 for vehicle repairs? No, Compare auto insurance!

Would you be able to manage your job and livelihood without having a car? Just sit down for a moment and imagine your life without a car. Sure, it sucks… big time- More than the economic downturn. Yes, the economic downturn has brought about a lot of woes… a survey conducted in USA showed that — One in four American drivers could not pay for a car repair of $2,000 if faced with one today. Read more on this at insurance net.Read on the auto insurance morhttp://www.insurancenewsnet.com/article.aspx?id=271484&type=propertycasualty
Yes, this is a fact and as we go on trying to brace ourselves out of the economic crisis, we will have graver consequences. You should not be one of them and to make sure this is so, an easy solution would be to get auto insurance.

Compare auto insurance quote online to save $550 and over

You can pass on the cost of car repairs for accidents or other losses, by having an auto insurance policy which covers Comprehensive and collision insurance. The normal advice given is that if your car is very cheap than its best not to go for this auto insurance coverage. Considering the utility of your vehicle and the fact that you do not have hard cash to repair your vehicle, having Comprehensive auto insurance or collision is a better and cheaper option. Do the maths. Cost of Comprehensive auto insurance coverage and collision car insurance coverage is only about $250 for a vehicle with a value of $5000/-, which has to be paid in installments. Now, if you compare auto insurance quotes online, you will certainly find good deals… get your multiple auto insurance quotes here.

Check out the auto insurance discounts when you compare auto insurance quotes

You need to check out the auto insurance discounts when you compare auto insurance quotes online or through any agent. The basic discounts that would be normally be given by most insurance companies are:
1) Multiple car discount
2) Multiple insurance policy discounts.
3) Anti-theft
4) Air sacs
5) Claims free discount
6) Deductible discount- which not be really worthwhile if you are having issues of a cash flow.
What you need to keep in mind is to try out the auto insurance premiums for different discounts, since there is a maximum allowable discount or limit which the insurance companies would allow on any single risk.

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  • services sprite Would you be able to pay $2000 for vehicle repairs?No,  Compare auto insurance!
  • services sprite Would you be able to pay $2000 for vehicle repairs?No,  Compare auto insurance!
  • services sprite Would you be able to pay $2000 for vehicle repairs?No,  Compare auto insurance!
  • services sprite Would you be able to pay $2000 for vehicle repairs?No,  Compare auto insurance!
  • services sprite Would you be able to pay $2000 for vehicle repairs?No,  Compare auto insurance!
  • services sprite Would you be able to pay $2000 for vehicle repairs?No,  Compare auto insurance!
  • services sprite Would you be able to pay $2000 for vehicle repairs?No,  Compare auto insurance!
  • services sprite Would you be able to pay $2000 for vehicle repairs?No,  Compare auto insurance!
  • services sprite Would you be able to pay $2000 for vehicle repairs?No,  Compare auto insurance!
  • services sprite Would you be able to pay $2000 for vehicle repairs?No,  Compare auto insurance!


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