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13 Reasons You Need Collision Coverage
Owners of older cars may think collision coverage is not worth the cost, since their cars are low value. But even owners of newer cars are tempted to drop the optional coverage once they pay off their vehicle.
The line of thought is that you “bet on yourself to be a good driver.” Basically, betting that you won’t cause an accident, and if someone else hits you, their liability insurance will cover your vehicle.
However, insurance is all about covering the risks of driving. And that line of thought doesn’t account for all the risks. Not by a long shot.
I’ve seen a few things in my line of work. So if any of these concern you, it might be a good idea to add or keep that collision coverage.
Should I Give a Recorded Statement in My Accident Claim?
One topic that seems to produce a lot of anxiety after an accident is the recorded statement. I have seen many questions posted about the necessity of providing a statement, and many opinions on the subject. Car accident attorneys tend to give blanket advice online to...
Giving an Effective Recorded Statement in an Accident Claim
If you've been involved in an auto accident, you may be asked to provide a recorded statement to one or more insurance companies. The insurance adjuster needs to investigate the accident before handling your claim. And you want your claim handled. But how do you...
Unraveling Fault in Pile-Up Accidents (Adjuster Explains)
A pile-up accident is a scary prospect. While pile-up is a general term without a specific definition, they are typically a multi-car accident involving multiple impacts. They most commonly start with a rear-end collision on a freeway, with successive rear-end impacts...
Can I Repair My Own Car Through Insurance?
So you've been in a car accident. You've contacted your auto insurance company and opened a claim, and they've probably recommended you to an auto repair shop. But you're a car person. A DIY person. Maybe you think you could do it cheaper than a shop. But with...
How to Read a Total Loss Report
If you've never handled a totaled car through an insurance claim before, you might not know what to expect. What does the insurance company pay? How do they calculate the value of your car? Most of your questions can be answered by the total loss valuation report....
5 Easy Steps to Maximize Your Total Loss Claim
A couple weeks ago my friend Tyler had an accident. He swerved to avoid a car that pulled into his lane, and he ended up hitting a light pole. Thankfully he and his two sons were unhurt. His beloved car, however, took significant damage. When I saw his post I...
Who is At Fault in a Left Turn Accident? (Adjuster Explains)
Making a left turn is one of the more dangerous maneuvers you can make on American roadways. You're typically turning across oncoming traffic and there may be multiple lanes plus pedestrians and cyclists to worry about. These circumstances can lead to serious...
Everything You Need to Know About Backing Accidents (Adjuster Explains)
When I was handling property-damage only claims, backing accidents were like breakfast, lunch, and dinner. This is a very common type of accident. The majority result in vehicle damage only, but there can be injuries involved, sometimes quite serious. Remember, cars...
