Why Is Car Insurance Important?

Insurance is a very important service, and with the soaring costs of commodities, it is available for almost any product. Whether you are buying an expensive mobile phone, or a house, insurance is available. In the same way, one can and should get car insurance too. Even though automobile insurance is such an important service, not many buy it. Here are some reasons why automobile insurance is important.

Cars cannot stored in the house

You may have garages, or paid parking or you might even park cars in your basement. Even so, there is no foolproof way for you to ensure that your car will never be stolen. The only way to ensure that you will not suffer any monetary loss in the event that your vehicle is lost is to invest in a car insurance policy that insures you against the theft of a car.

There are several others on the road too

Even if you are the best driver, you need to understand that there are other drivers on the road, who would not be as good as you are. In the unfortunate event that your car is involved in an accident with another one, you would need to endure the most of the expenses – unless you want to hire a lawyer, who would charge you at least something for the court case. Therefore, to ensure that you do not face monetary loss in the face of a road accident with another automobile, you should invest in automobile insurance.

These are the two important reasons why car insurance is important for a car owner. Several companies offer car insurance products and services. Automobile insurance is a competitive market, and you could get the best prices if you shop around a bit. To find out more information about auto insurance and the various products, visit the websites online for it.

Protect Yourself in Case of a Car Accident – Insurance Companies Are Not on Your Side

What You Should Do if You Are involved in a Car Accident

It is unfortunate that most people don’t know what to do when they are involved in an accident. My own mother was recently in an accident, and she called me frantically asking what she should do. Knowing what to do is important for protecting your health and protecting your interests with the other drivers and the insurance companies. This is true even if you are at fault.

The most important thing after an accident is your safety. If you, the other driver or any of the passengers are seriously injured, make sure you summon help. Call 911, the one stop phone call for police and ambulance. If no one involved has any apparent injuries, it is still advisable to make a non-emergency call to the police department and request police presence at the scene of the accident. In most cities, including Las Vegas (and the surrounding areas), you may dial 311 for non-emergency police dispatch.

In case of injuries and/or property damage, the police presence is very important so that a police report can be prepared and later used in obtaining the appropriate compensation from the appropriate insurance company or companies, even if it’s your own insurance provider. Compensation may cover medical treatment, property damage, loss of wages and/or pain and suffering.

If the police are called, through a 911 emergency call or 311 non-emergency call, the police will insure that all of the appropriate information is reported in the police report. If there is no apparent injury or property damage, and/or if the police do not come to the scene of the accident, then exchange information with the other driver. Obtain the name of the driver, the car registration information and the insurance carrier and policy number. Provide your information to the other driver.

Do not make any statements other than facts, and only to the police, pertaining to the accident and how the accident occurred. Do not make any statements about your state of health; remember that many injuries may be latent injuries that may not manifest themselves immediately. Contact a personal injury attorney immediately; do not communicate with the other party’s insurance company or report your accident to your insurance company before you consult with a personal injury attorney. In most cases the attorney assumes the responsibility to make such contacts on your behalf, but will tell you if you should make contacts of any kind. Remember that it is in the interest of the insurance companies to understate the injuries and damage cause by an accident, so that they pay the least amount of compensation. The attorney knows how to deal with the insurance companies and get you the compensation you deserve. The more serious the accident, the more important it is that you contact a personal injury attorney.

Ramzy Ladah, Esq.

Las Vegas Personal Injury Attorney, PLLC

The Basics Surrounding Insurance Claims and Coverage for Car Fires

If your car catches fire, there are some things you need to know about insurance coverage and the claims process. Since there are different scenarios that can cause a car to catch fire, you can expect to come across different limits of coverage and procedure for each. Continue reading to learn some basic information about car insurance claims and coverage in the case that a vehicle is burned down in a fire.

Car fires will clearly do a lot of damage to a vehicle. In most cases, cars are rendered a total loss after an engine or chassis fire. Fortunately, most insurance policies offer additional coverage for fires. This is called “comprehensive coverage”, and it will cover damages caused by a fire regardless of how the blaze occurred. However, this type of coverage must be purchased before a fire occurs. Some of the most common causes for automotive fires include car accidents, engine fires, garage fires, and arson.

Motor Vehicle Accidents

Motor vehicle accidents are one of the most common causes for car fires. Serious vehicular collisions and accidents can damage fuel lines and fuel tanks, which leads to gasoline leakages. A tiny spark from metal colliding together is all it takes for combustion to happen. This is often the reason why fires break out after a car accident.

In terms of insurance coverage, the answer can be complex. Depending on how the blaze occurred and the parameters of your coverage, the damage could fall under comprehensive or collision. It is necessary to discuss this with your insurance adjuster to learn the details pertaining to your particular policy. If you do not have collision coverage insurance, there is still a possibility that it could be covered under comprehensive.

Garage Fires

In the case of garage fires, which are more common than you think, vehicles can experience a severe amount of damage. Most of the time, they are rendered totaled. Because garage fires are commonly caused by a household hazard or malfunction, people tend to assume that homeowners’ insurance will cover the damages to their vehicles; but the truth is that homeowners’ insurance never covers vehicles. Instead, cars damaged in garage fires are only covered under comprehensive coverage.

Engine Fires

Engine fires generally result in a total loss vehicle. That is because the cost to purchase and install a new engine is often close to the actual cash value of the vehicle. In this case, comprehensive coverage will cover engine fires. However, it is important to know that car insurance policies do not typically cover mechanical defects inside car engines. Fires are the exception to this rule. Whether a vehicle is a total loss or not, a car insurance policy will likely pay the actual cash value of the vehicle minus the owner’s insurance deductible.

Arson

There’s not much to say about the criminal act of arson, except that it does happen to vehicles and the damages can be covered by car insurance policies. Comprehensive coverage covers vandalism, so if a vehicle is intentionally set on fire, the damages are covered so long as a police report is made.

Sell a Totaled Car for Cash

If your car is damaged in a fire, you likely have a total loss vehicle on your hands. Sell your totaled car for cash on the spot to a local junk car buyer. They will pay you cash for the actual cash value of your vehicle. This is sometimes more than what you can get from your insurance company!