I had a Car Accident – What Do I Do?

Having an accident is no joke. There are many accidents each year and sadly many die  because they were in a collision.  It is important for all drivers to understand just what they need to do if they have been involved in an accident large or small.

Auto Insurance MPLS

 

 

 

 

 

 

 

 

 

The first thing to do is remain at the scene of the accident. Call the police as they will need to make a report of what happened. If you have a camera phone on you and you’re okay then consider taking some pictures. The police will do this as well so it is important to have enough evidence for your auto insurance claim.  Exchange insurance info and ask everyone involved in the accident for their information such as license plate number, driver’s license number, name, address and telephone number.

The second step is to get checked out by an EMT to make sure you’re okay. Many accident victims even those with minor injuries refuse to get medical treatment only to find out they have issues later.  You could be okay one minute and then drop dead the next. Your medical bills could be an issue if it isn’t documented as an accident related injury.

The third step is to go home and call your car insurance agent or  company. A claims representative is usually available 24 hours a day to talk to drivers and begin the claims process. Make sure to have your policy information readily available to help speed up the process.

The fourth step is to make a list of everything that happened. It is important to make notes while everything is fresh in your memory.  Once this is done, you can provide an accurate and clear statement for the insurance adjuster handling your claim.

The fifth step is to give an official statement to your adjuster. Do this as soon as you can to begin the claims process. It’s best to report an accident sooner than later if possible as stories can change.  Don’t just take the drivers word that they were at fault and will make it right.

The sixth step is to wait for the claims adjuster to begin to evaluate the claim. It usually takes about a week for a claims adjuster to get back to a driver about a claim. Be patient, especially if the car accident was serious. The adjuster will need to determine who was at fault and that can take a while in some situations. They generally try to recover your deductible if you were not at fault. Once the claim has been completed, a driver will receive their compensation check if the insurer feels that they are entitled to one. Once the check is cashed and no appeal is requested the claim is closed.

Always keep your auto insurance cab cards in your vehicle and up to date.

Related: Workers Compensation Lawyers Near Me.

Cars that get over 200,000 miles

Car in MPLS Purchasing a car should never be considered an investment, mainly because it loses value the moment you drive it off the lot.  You have taxes and higher insurance costs to consider then the more miles you put on it will drop its value.  It’s not the greatest investment.

However, with regular maintenance, a good auto mechanic and body shop you can keep your car running well for years and get the most mileage for your money.  The money you save can on payments, insurance, tabs, etc. can help pay for or put a large down payment on your next new vehicle.

A study iSeeCars.com found the top vehicles most likely to reach 200,000 miles, based on data it had of vehicles for sale with that many miles or more on the odometer. Pickup trucks were found to be driven longer, at 90,000 miles on average per listing, compared to 75,000 average miles for a car. Pickup trucks – if well kept seem to look timeless.

Here are the top vehicles reaching 200,000 miles or more are:

  1. Ford F-250 Super Duty
  2. Chevrolet Silverado 2500HD
  3. Chevrolet Suburban
  4. Toyota 4Runner
  5. Ford Expedition
  6. GMC Sierra 2500HD
  7. Chevrolet Tahoe
  8. GMC Yukon XL
  9. Toyota Sequoia
  10. GMC Sierra
  11. GMC Yukon
  12. Honda Accord

Want to try and get to 200,000?

Getting to 200,000 miles in today’s vehicles is like to getting 100,000 miles was in the past, mainly because cars are built so much better today.

Preventative maintenance with regular oil changes and keeping your car washed and free of dents and scratches is the best way to increase mileage and longevity. This includes replacing belts, timing belts and transmission clutches at recommended mileage levels, and checking fluid.

In places like Minneapolis the body is likely to go before the mechanical fails – so, it’s important to keep’em clean and the salt off.

 

How many miles does your vehicle have?  Comment below and send a picture if you can.

 

Know the basics of auto insurance

It helps to know about the basics of auto insurance.  Many people don’t know and it costs. Picking auto insurance that fits your needs and the needs of your family is important, so here we’ll give you the basics.  Many people shop on price alone and lose site of the purpose of auto insurance.  What’s the point of buying a cheap policy for a good price if it doesn’t provide you with the coverage you may need?

Here you’ll find information about car insurance and answers to some common questions. If after reviewing this material, you still have questions, call one of the insurance specialists.  They’re here to help you and won’t pressure you – they’ll just help you.

What is auto insurance?

 Auto insurance is meant to cover you if you cause injuries to others or damage their property in an auto accident. It  also provides protection if your vehicle is damaged in an accident or is stolen. What protection you have is spelled out in your auto insurance policy.

An auto insurance policy is a contract between you and an insurance company. You, the customer, pay a certain price (“premium”) to the insurance carrier in exchange for a set of coverages you select. Your policy describes what the insurance provider will or will not cover.

 

What does auto insurance cover?

At a high level, auto insurance typically provides four basic things—liability coverages (for injuries to others and damage to their property), coverage for damage to your car or cars, coverage for medical expenses and uninsured motorist coverages (for situations where someone without enough insurance injures you or a family member). There are a variety of coverage options available; they may vary by state and company.

 

What are the common auto insurance coverages?

Bodily injury liability coverage generally pays damages for bodily injuries to the driver and passengers of the other vehicle when you are responsible for an accident. It also provides coverage to defend you if you are sued because of an auto accident.

Property damage liability coverage generally pays for damages to another person’s property (e.g. their car) when you are responsible for an accident. It also provides coverage to defend you if you are sued because of an auto accident.

Medical payments coverage generally covers you, household relatives and your passengers for medical expenses that result from injuries sustained in an auto accident. It also covers you as a pedestrian if you are hit by a vehicle.

Some states have personal injury protection (PIP) in place of, or in addition to, medical payments coverage. This is also known as no-fault coverage. PIP can generally pay for medical expenses, funeral expenses, loss of income and other expenses for injuries or death due to bodily injury sustained as the result of a car accident.

Uninsured or underinsured motorist bodily injury coverage generally pays for damages for bodily injury to you and your passengers when caused by another in an auto accident and the person legally responsible either has inadequate or no insurance. This coverage varies greatly by state. In some states it may be a combined coverage, while other states may offer it as two separate coverages (e.g. one for uninsured motorists and one for underinsured motorists).

Collision coverage generally pays for damage to your car if it hits another car, object, or overturns. A deductible applies to this coverage.

Comprehensive coverage generally pays for damage to your car if it is stolen or damaged by certain causes other than collision, such as fire, theft, hail or vandalism. A deductible applies to this coverage.

What should I consider when purchasing auto insurance?
When purchasing auto insurance, make sure you find coverage that fits your needs. Think about you and your family’s specific circumstances, including your risk tolerance and your budget. If you aren’t sure what type of things you should consider, read below. Or, get help by working with an insurance agent which is what we recommend as it doesn’t cost any more to have a pro on your side and will likely help you save.

Local agents likely know which companies offer discounts or savings incentives.  An experienced agent will know how to get you the best coverage at the lowest cost.  Sometimes it actually cost less when you have better coverage with higher liability limits as it places you into different rating tiers and helps your insurance score.

When you shop online and purchase without an agent – you become your own agent and if you make a mistake like not adding glass coverage or some other more important coverage it won’t be covered.  If an agent makes a mistake they have E&O insurance.  The insurance company is the only one to benefit by you acting as your own agent.

 

You could also check out the blog as it has many articles on savings and tips. Below are a few simple questions to help you start evaluating your needs.

  1. What is your household salary? What are my assets? How much in savings and equity do I have? How much are you willing to risk and insure? Essentially, the higher your salary and net worth, the more you stand to lose if you are ever found liable for an accident.  The more attractive to attorneys you become. The more assets you have, the more coverage you might want to consider.
  2. How old is my car and how much is it worth? Do I own my car outright or is it leased or financed? The model year and original cost of your car helps determine the approximate value of your car today. If the value of the car is low and you own it outright (i.e. no loan or lease), you may want to think about whether you really want comprehensive or collision coverages. On the other hand, if you lease or finance your car, your lender or car dealership probably requires comprehensive and/or collision coverage.
  3. How much am I willing to pay out-of-pocket? Deductibles are applicable to certain coverages, such as comprehensive and collision coverages. In the event of a loss, a deductible is the amount that you must pay out-of-pocket before your insurance kicks in. A higher deductible could lower your premium.
  4. Do I have health insurance? Auto insurance can include medical payments coverage for you and your passengers. If you don’t have your own health insurance, you should consider purchasing some type of medical payments coverage on your policy.
  5. Do I have children of driving age? Children are generally more inexperienced drivers and can present a greater risk on the road. If you have children of driving age, you might want to consider purchasing higher limits of liability coverage.

 

MPLSCarInsurance

Know the basics of auto insurance

 

 

 

 

 

Friendly local agents are here to help you get bigger savings, better coverage, and provide you with the best service.

Call the Minneapolis Auto Insurance Specialists Team 612-460-7796.

Minneapolis Auto Insurance Guide

This article will help you learn the basics when it comes to buying auto insurance. It will help get you get better coverage and lower prices.

Minneapolis car insurance

Intro: What is Car Insurance?

Auto Insurance is insurance purchased for cars, trucks, motorcycles, and all other land based vehicles. Its primary purpose is to protect you financially against physical damage or bodily injury resulting from accidents like traffic collisions and from the liability that could also arise later on. The specific coverage and terms of vehicle insurance vary with legal regulations from state to state. In some cases, car insurance can include financial protection against theft of you car or even damage to the vehicle that has been sustained from something other than traffic collisions like hail or other weather damage.

Common Types Of Car Insurance:

Liability Coverage: This coverage is used to protect you from liability resulting from accidents you may be liable for or have caused. It’s important to not that most states have minimum liability limits and were set decades ago. These limits may not be enough to protect you and you’re assets. Many insurers use prior liability limits as a rating factor and you could actually get better rates for carrying higher limits and obviously better protection.

Coverage for Your Vehicle:

Collision and comprehensive coverage are optional. However, your auto lender or lease holder may require you to have this coverage until you’ve paid off your vehicle.

Collision coverage helps pay for damages that your car may suffer in an accident.

Comprehensive coverage helps pay if your car is damaged from causes other than a collision. Theft, vandalism, falling objects and hail are commonly covered by this type of coverage as well.

Additional Coverage Options:

In addition to liability, comprehensive and collision coverage, there are other coverage options that can help keep you protected.

Medical payments coverage, for example, can help pay the medical bills you or your passengers incur if you are injured in an accident.

Personal Injury Protection, often called PIP, can also help reimburse you for lost income if you’re unable to work due to an injury that results from a car accident. It may also reimburse you for child care expenses if you’re unable to take care of your children following an injury.

Uninsured and underinsured motorist coverage can help cover your damages caused by someone with limited coverage, or no insurance at all.

Other coverage an auto insurer may offer include towing as well as labor coverage, which helps with the cost of towing your car if it breaks down or gets a flat tire, rental car reimbursement, which can help cover the cost of a rental car while you wait for your covered car repair to be finished, and even sound system coverage for those drivers who install aftermarket stereo equipment in their cars.

Choosing A Car Insurance Company and where to buy:

Choosing the correct coverage is the first step. You must also choose a good car insurance company if you want to maximize the chance that your claims will be paid. Look for the following qualities when choosing your car insurer.

Reasonable and Reputable – Insurance carriers should be reliable and reasonable for the coverage and the prices they charge. Who needs hassle at claim time.  A cheap policy for a good price is not what you need or want. You need and  want the best coverage at the lowest cost.  So, if you ever need it – you have it.  Why pay for anything that falls short and ends up costing you a fortune if you are ever involved in an accident and are short. In some states, there isn’t much difference in price among insurance companies due to state mandates. In most states, however, companies will quote different prices for similar coverage.

Is it better to buy online? – Many online sites just aggregate information and sell it to many agents and insurance companies.  If you buy direct even fro a seemingly reputable company – you become your own agent.  If you make a mistake or need help – you are on your own.  Insurance agents are required to have E&O insurance to protect them and you if a mistake is made.  Why settle for less safety and service? It doesn’t cost you more to have an experienced or good agent either.  It’s all the same.  So, why would you not use a good experienced local independent agent?  Why not an agent who represents many companies – not just one brand. The insurance companies are the only

Miscellaneous Tips: 

Use a local independent agent. They generally have the most experience and represent many companies – not just one.  So, you don’t have to spend all your time shopping and giving your info to who knows.  One thing that most people fail to do is research the agent or company that they purchase insurance from. The better business bureau is one of the best sources to find out if you car insurance company is a reputable organization.  You can also look agents up on many states commerce sites.  Even further, it’s a good idea to check a company’s financial strength (which directly impacts their ability to pay out your claims) through rating services such as A.M. Best. Don’t take advice from uncle cheap skate Charlie or some know it all at someone at work.  Consult an insurance professional.  Most experienced agents will have a designation after their name like AAI, CIC, CPCU.

If you are going to use the internet – use it to check reviews and do research – not to purchase auto insurance.

Minneapolis Auto Insurance Specialists Team

GAP Insurance

How, when, where, why, and what is Auto Gap Insurance?

You can purchase auto gap insurance from your agent or from your car dealer. When you purchase a new car your auto finance company or the dealer will likely offer you Auto GAP insurance. You should get a quote from your insurance agent as it will likely be much less if you purchase from your current insurance carrier. Dealers and finance companies make good money selling you insurance, warranties and other things when you’re already buying and they make it easy. However, easy doesn’t mean less.

Auto gap insurance is insurance you can purchase to cover the “gap” between the cost of repaying your auto loan and the amount your insurance company will actually give you for a totaled car. Generally, the minute you drive a vehicle off the lot it depreciates in value. Since a new auto depreciates as soon as it leaves the lot, it’s going to be worth less than you owe on it. If you were to total your new car the same day you bought it, the money your insurrt will pay out for the car will not likely cover the balance of the loan.

Gap insurance is the only way to make sure you will not be in debt after losing your new car. GAP insurance can be inexpensive – especially if purchased from your agent and worth doing especially if you don’t put down a lot of money when you purchase your vehicle. Making payments on a vehicle you don’t have could be a big bummer.

Gap insurance can sometimes be purchased on newer used cars, where the dealer price of the car still may be significantly higher than an insurance payout would cover. Some insurance companies will only cover new or near new cars.

So how do you get gap insurance? First ask your current or prospective insurance provider if they can give you gap coverage. Just like you would shop around for your basic auto insurance premium, you may want to shop around for your gap coverage. It is usually very affordable, and worth the extra cost to ensure that you do not end up carless and still be stuck with a car payment. Most dealers will try to sell you their own auto gap insurance as an add-on, but rest assured you can get a better deal by purchasing this special coverage from your insurance agent.

Gap insurance is often required when leasing a car and the coverage may be included in the lease price, but if not you will need to make sure you are covered. Since you didn’t purchase the car, the dealer will lose money if it is totaled. So they may want repayment from you immediately.

Finally, if you have an older car you are probably not eligible for gap coverage. If you still owe money on your older car, the best thing to do to protect your investment is to put more down and pay off early.

Whether or not to purchase gap insurance is a decision only you can make as a car owner, balancing gap insurance premium cost against the potential risk of finding yourself with a totaled car in the future. Like all insurance, you never know when you might need it, but you sure are relieved that you are covered when an accident happen. It’s generally inexpensive and a good choice – especially if purchased from your agent.

Compare Auto Insurance Quotes and Compare Home Insurance Quotes with AgentInsure

GAP Insurance Minneapolis Insurance Agent

Buy GAP insurance here from your local Minneapolis Insurance Agents.

Things to do when you are in an accident

things to do when you are in an accident

Basic things to do when you are in an Accident…

 

 

 

Minneapolis car insurance, what to do in case of an accident.   Accidents can be scary and nobody likes to be in an auto accident. But it’s better to know what to do in case this happens to you, with your Minneapolis car insurance.

If you are ever in a car accident and you have to file an insurance claim. These are the basic things to do when you are in an accident…

1. Make sure everyone involved in the accident is alright and safe.  Including yourself.
In the case there’s a major injury, first thing you should do is call 911 or have someone else call.
If the accident is minor one, you should move the cars to a safe place and out of traffic.

2. After this call the police, the police can be reached at 311 which is non-emergency number, and 911 which is the emergency number.

3. Notify your insurance claims department immediately. You will be able to find their number in your proof of insurance. We can also help you in any case, call Minneapolis Insurance Team 612-469-7796

4. MORE IMPORTANT TIPS

a. Don’t sign any document, unless it is issued by the police or your insurance agent

b. This can be a heated time – be polite and don’t tell anyone the accident is your fault

c. Be sure to Exchange insurance information with the other party involved in the accident

d. Take good notes about the accident

e. If you can – get witnesses names and numbers

f. Use your smart phone or camera If possible and take pictures

The Minneapolis Insurance Specialists Team is here to help you, if you need anything or have any questions on things to do when you are in an accident, please call us at 612-460-7796 or you can reach us at 763-263-0785

For Minneapolis Car Insurance Quotes go here

Tips to Lower Your Minneapolis Car Insurance

These tips will help you help you lower your Minneapolis Car insurance.

We all want to reduce our monthly expenses. The good news is that while the monthly costs for just about everything seems to be going up, your car insurance rates may have some room to come down.

The average driver can spend up to $84,000 in a lifetime on Minneapolis car insurance, according to a February 2011 posting on the Motor Trend magazine’s website – a figure that could be reduced if you know how to save on your car insurance policy.

Click to get Minneapolis Car Insurance Quotes from the insurance specialists team and all their top insurance carriers now.

“The average yearly auto insurance premium for Minnesota is $742, but there is wide variation around this average,” says Loretta Worters, a vice president of the Insurance Information Institute (III), an organization dedicated to improving the public’s understanding of insurance. “Many factors can affect your premium.”  Minneapolis car insurance and St. Paul car insurance tends to be higher than out state MN.

Check out these ways of saving on your Minneapolis car insurance to see how you can reduce your car insurance.

#1 – Get a Variety of Quotes

Be cautious.  You don’t want to do this incorrectly as most people do at least once.  Some of these ads and sites make it sound like such a good idea – having agents compete, etc.  It’s not a good idea.  Here’s why.   Entering all your details into just any site will likely get your information sold to a bunch of different agents and companies.  You don’t want to just go online and start requesting quotes or start calling agents. This can be a huge pain and who wants to talk to a bunch of agents or go to a bunch of different sites and enter all your personal info all over the web?  Spending valuable time trying to figure everything out and who to trust – who needs it.

Of course, we recommend using a local independent agent who represents many companies – not just one.  Why wouldn’t you use the easiest way and get many quotes from an experienced local agent who you can trust.  They’ll know which company currently offers the best prices for you and the area you live. It’s the easy way. It doesn’t cost more to use and expert and will likely save you a ton and you’ll have a local Minneapolis car insurance expert on your team.

#2 – Start By Getting A Quote With All The Discounts Available To You

Don’t wait until the last minute or when your policy is close to renewing.  Many companies offer discounts for getting quotes in advance of your policy expiration – usually 14 -30 days before your policy expires.

Get multi policy quotes.  Many people make the mistake of just checking auto or home rates and if they are good will look at saving on other lines.  This is a common mistake.  You will almost never get the best prices without multi policy or package discounts.  Some insurers will only offer auto and home insurance as a package.  Many times they are the ones with the best prices.  Almost all insures will charge more for stand alone policies.

Each carrier is going to offer a variety of discounts like the Snapshot discount from Progressive, or the AAA membership discount, or the Alumni association discount, the longevity discounts – sometimes it pays to stay, some insurers may offer a discount to employees of certain companies, discount for teachers, or because you belong to certain clubs or organizations, all insurers these days offer discounts for having excellent credit – if your spouses is higher than yours – have them get the quotes – many companies will use the highest credit score.  There are a ton.

A good agent will know how and where to get the discounts and apply them to your quote – but, you should still ask.

#3- Raise Your Deductible

An easy way to get immediate savings could be changing your deductibles.  Don’t be afraid to raise your deductibles.

Increasing your deductible from $250 to $500 or from $500 to $1000 could reduce your collision and comp. coverage cost by 15 to 30 percent.  Going to a $1,000 deductible can save you 40 percent or more.  Some of these lower deductibles are kind of antiquated and raising them and keeping a reserve set aside could save a lot and a reserve will keep your anxiety level down.  Truth is you will likely save moire than your reserve amount of the higher deductible the first year.

The reason that higher deductibles may result in lower monthly rates is because a higher deductible means you will assume more risk, less apt to make smaller claims an insurance company will end up paying a smaller amount in the event that you file an accident claim.  Higher collision deductibles seem to save the most – so, check $500 comp and $1000 collision.  In MN chances are a deer or hail storm will damage your vehicle before you run in to another vehicle.

#4 – Keep Your Record Clean.

Obviously, keep your accidents and tickets down.  However, some companies will check back 35 months some will go five years or some other amount of time.  Some insurance companies will charge more for DWI’s for example, then others.  It pays to check.

We encourage you to check the easiest way to discover if you can lower your Minneapolis car insurance call the Minneapolis Insurance Specialists Team 612-460-7796 or go to lower my Minneapolis Car Insurance site and get some quotes easy, fast, and local.

Use a Minneapolis Car Insurance Expert

 

 

 

 

 

Minneapolis Insurance Specialists Team

333 Washington Ave. N. Ste. 300

Minneapolis, MN 55401

612.460.7796

Your Minneapolis Car Insurance Experts