Car Insurance Claims Advice

July 20, 2010 - PRLog -- Liability Insurance
If you want money from your car insurance claims, you will need to file a Third Party Claim against the other driver's Property Damage Liability insurance. A Third Party claim is whenever you want to file an accident claim against another driver's insurance provider. The driver and the insurance company are the first two parties; you are the third.

Usually, the liability insurance is enough to cover the cost of an average car accident.
Even if the other driver purchased your state's minimum liability insurance requirement, you will find that it is enough to pay for your vehicle repair.

The first thing you should do is get a copy of the other driver's insurance policy. This way you can check how much money you can potentially get from his/her liability insurance. The liability insurance will be listed as three numbers where the first two numbers are for bodily injury limits and the third number is for property damages.

However, just because the insurance company can afford to pay for your damages, doesn't mean it will. You still have to show the other driver caused your car accident. This means you have to collect evidence such as photographs, car accident reports, statement from witnesses etc. The car accidents insurance claims process can also take months to complete because insurance companies aren't really in a rush to pay for your damages.

This makes dealing with another insurance company really frustrating and time consuming. To avoid this you can file a car accident insurance claim under your....

Collision Coverage

Collision coverage is an insurance policy with your own provider that pays for your car repair costs, regardless of who caused the auto accident. The benefits of filing under your collision coverage are that:

   * You are guaranteed to get money for your car damages.
   * You save time because you don't have to collect evidence against another driver.
   * The car accidents insurance claims process is smoother since you are dealing with your own insurance company, instead of another insurance provider.

The whole process can be completed quickly and you can receive an accident settlement check within a few short weeks.

However, the disadvantage of filing under your own collision coverage is that you will have to pay a deductible. The deductible is typically a few hundred pounds which you must pay out of your own pocket. Once you have paid the deductible, the insurance company will pay for your repair costs.

So you need to decide whether it is worth paying the deductible to get your vehicle fixed quickly, or not pay the deductible and prepare to convince another auto insurance company to pay for your car damages.

This can be a tough decision and there is no right or wrong answer.

Make sure you get the right car insurance cover at BudgetInsurance.com [http://www.budgetinsurance.com/]

# # #

Providing customers with great value insurance by searching a panel of leading UK insurers to give you the best price. With our easy quote process and high quality service, discover the great cover BUDGET could find for you today.