Mutual Auto Insurance Deductible Online in Best Car Insurance News

Best Van Insurance Plans in Georgia

Some consumers may be facing extenuating circumstances that do not allow them to by from just any van insurance company. For example, if your past coverage was cancelled because you received too many speeding tickets you may find it difficult to locate a new company that is willing to work with you. In this case, the act of quickly finding a van insurance policy is going to become much more difficult. If you are facing this situation you better be ready to speak with several companies. And of course, you may find that you have to spend more money. When you need van insurance in a hurry you should turn to the internet. But keep in mind that your history will have something to do with the type of policy that you quality for. Some van insurance companies may not want to do business with you, and others may charge you a higher premium due to past problems. No matter your situation, the best way to quickly buy van insurance is to shop and compare online.

Saving Car Insurance Claim for Road Drivers

As with every car insurance decision you need to weigh up the cost of purchasing this additional cover against the likelihood of a claim and the personal cost to yourself if you are forced to make a car insurance claim. For those seeking relaxation, luxury hotels and condos are available, while traditional campgrounds and motels are also in available. There are many fun things to do including, Fishing Charters, Jet ski Rentals, Daily Cruises, Scuba and Snorkeling, Whale and Dolphin Watching, Ultra-light Flights, Para-sailing, ATV Rentals and Horseback riding on the beach. And do not forget the fish tacos! In the early 1800, then retired Lt. Robert Hale Hardy of the British Royal Navy was sailing along the coasts of Sonora and Baja California looking for pearls and precious minerals in the sailing ship La Bruja. He named the inlet Rocky Point and it was identified on official nautical maps as this until Presidente General Lazaro Cardenas, of Mexico changed it to Puerto Punta Pecasco (Port Rocky Point). Notice cheap car insurance claim in auto insurance summary for your automobile.

Mutual Motorbike Insurance Agency in Rhode Island

What some motorbike insurance providers may include as standard within their cover? Another may not, so it is worth spending a few minutes ensuring that the quote you get is for almost identical policy features and benefits. Finally, if you are looking for a better deal elsewhere, do not forget your original provider. Let them know that you are thinking of taking your business elsewhere. Some motorbike insurance providers offer cheaper rates to loyal customers. Finding the best motorbike insurance quote for Northern Ireland can be easy if you follow our simple pointers above. Until recently, motorbike insurance for Northern Ireland residents was something that was often hard to come by, with little choice among products and also a hefty motorbike insurance premium to pay. The good news is that now things have changed. The motorbike insurance market place in Northern Ireland has opened up so that consumers can not only shop around for the right motorbike insurance deal for them, but are able to snap up better priced deals too.

Low Auto Insurance Rates for Women Only

If a car has more theft or vandalism history or high repair costs due to body construction, it will carry a higher premium. To make sure that the auto insurance companies are rating people properly they must file their rates with each state auto insurance department. In this report, they must include how they determined their rates, which car auto insurance rating factors were used, and the base rates they will use for every location. Quite simply, a auto insurance rate considers all these factors and the automotive company assigns you a rating factor by which they multiply the base rate for each type of coverage. For example, a given auto insurance group may be priced at $200 per year for someone in a 35-40 year old age group, but if you are 16-21 your rating factor may be 1.5, you will be charged $300 ($200 X 1.5). This is simple approach, but quite simply each item above may have a different factor for each group and all of these factors are factored against the base rate to get your premium. Look at low women only auto insurance rates in car insurance for motorists in motor insurance section.

Cheaper Motor Insurance Quote in Ohio

A part of the policy fulfilling the requirements of law is the liability portion. A motor insurance policy is a legal contract between you and your motor insurance company. That part of the policy covers "the other party". If you or I gets into an accident (unfortunately it happens) someone will usually be "at fault". The policeman at the scene of the accident normally determines this as he gets the facts and fills out the accident report. The one at fault may get a ticket for causing the accident or for driving carelessly. There are many possible variations of this scenario. So, both parties are carrying motor insurance policies. The car driver who is at fault has triggered the liability part of his auto insurance policy, (his legal contract with the motor insurance company). Again, the motor insurance company has agreed to assume your risk of liability insurance in exchange for your payment of the policy premiums. Fix the cheaper car insurance deductible in Ohio in auto insurance chapter for professionals.

Instant Automobile Insurance Company for Teenagers

Every automobile insurance policy has certain deductibles, and the amount of your deductible will determine the final cost of your automobile insurance. The size of your deductible will vary, depending on your specific needs, but you can usually get deductibles as low as one hundred or two hundred and fifty dollars, or as high as one thousand dollars or more. It is important to choose a deductible that you can realistically pay, without choosing the lowest possible automobile insurance deductible and paying the highest prices for your automobile insurance. If you file a claim, you have to pay the deductible amount because the automobile insurance company will deduct this from any amount they pay, but you can usually recover this from the other driver if they were at fault.

Budget Truck Insurance Companies for Family

If you are thinking about buying from a particular truck insurance company they may lower your rate as a way to get you on board. This is a nice gesture, but you need to make sure that it will be a long term setup. In other words, you do not want to find your truck insurance premium being jacked up after a few months with the company. Competition is increasing; with this comes truck insurance companies that are lowering their rates in order to stay competitive. This is a great way for you, the consumer, to save money. When truck insurance companies are competing for your business, you are bound to come out the winner. If you are a current customer, your insurer may lower your rate to keep you around. Remember, this is something that you have to ask for. Before you decide to switch truck insurance companies, ask your current provider if there is anything they can do to lower your rate without altering your coverage. You may be surprised to find that asking results in getting what you want. Buy the best auto insurance companies in car insurance guidance of Mutual Car Insurance Plans site.

Cheap Auto Insurance

When shopping for auto insurance, it is important that you seek out the best deals for your money. Many are under the impression that car insurance rates are determined by the overall quality of the automobile insurance that is provided.

AUTO INSURANCE 2009 Company of the Year

"We’re grateful to the Indiana Big ‘I’ for choosing State Auto to receive this honor,” said State Auto Chairman and CEO Bob Restrepo. "Our association with Indiana’s independent agents dates to our founding in 1921, and to this day, Indiana remains one of our most significant states of operation. Working with our agents, we’ve produced a track record of financial security and stability, along with products and service that benefit our tens of thousands of Indiana policyholders.”

The State Auto Insurance Group has been named 2009 Company of the Year by the Independent Insurance Agents of Indiana (IIAI). According to the IIAI, this award recognizes the company that most demonstrates a strong commitment to the independent insurance agency system in Indiana.

State Auto received high scores for its commitment to growth in Indiana; the uniqueness of products, value added services and programs offered to agencies; a strong, long-term marketing plan for Indiana; and the quality of its Indiana staff.
The State Auto Group, which includes State Automobile Mutual Insurance Company, also scored high for its stability in the marketplace, and for being one of 13 property and casualty companies to have maintained an A+ rating from A.M. Best each year since 1954. State Auto’s strong commitment to and support of the independent insurance agency system, along with its support of IIAI, also delivered high scores.

Independent Insurance Agents of Indiana (IIAI)

The Independent Insurance Agents of Indiana is a trade association representing over 800 independent insurance agencies in the State of Indiana. The association was formed so insurance agents and insurance consumers have a unified voice in government and can share common goals and information. Among the numerous services IIAI provides to its membership are over 100 continuing education seminars across the state annually, offering over 30 property and casualty programs, and over 20 Life/Accident/Health self study programs. IIAI’s education opportunities provide increased knowledge and insurance license continuing education credits to independent insurance agents in Indiana.

State Auto Insurance Group

State Automobile Mutual Insurance Company, headquartered in Columbus, Ohio, is a super regional property and casualty insurance holding company. The company is primarily engaged in writing personal and business insurance products exclusively through independent insurance agencies in 33 states and is proud to be a Trusted Choice® company partner. State Auto Mutual is part of the State Auto Group. The State Auto Group is rated A+ (Superior) by the A.M. Best Company and consists of State Automobile Mutual, State Auto Property & Casualty, State Auto National, State Auto Ohio, State Auto Wisconsin, State Auto Florida, Milbank, Farmers Casualty, Meridian Security, Meridian Citizens Mutual, Beacon National, Beacon Lloyds, Patrons Mutual and Litchfield Mutual Fire.

State Auto Mutual also writes specialty insurance and workers’ compensation products through its Rockhill insurance subsidiaries. The Rockhill insurance subsidiaries, rated A- (Excellent) by the A.M. Best Company, write business on a non-admitted basis in 49 states and the District of Columbia, and are licensed on an admitted basis in 42 states and the District of Columbia. Additional information on State Auto Mutual can be found online at http://www.StateAuto.com/.

SAVING ON AUTO INSURANCE

If you want to save on car insurance you can do yourself a big favor by talking to as many auto insurance companies as possible. The more options you have for yourself, the better chance you have of one of those options giving you a good price. Year long rates can vary by as much as $1,000. If you haven't yet purchased a car and cant decide what car to get, see what premiums you'll have for each. Generally, the more powerful and expensive the car is, the higher your car insurance costs will be. Furthermore, the more safety features a car has, the less the premium will be. One of the most popular ways to save money on car insurance is by increasing your deductible. Your deductible is how much money you pay out of your own pocket to fix your car before the insurer pays for the rest of the damages. You just don't want to open yourself to too much riskSection 3171 of the Act allows injured policy holders to access the full benefit of their own insurance plan, prohibiting insurance companies from deducting the amount of insurance carried by the negligent driver in the accident. In addition, health insurance companies cannot deny coverage for medical care if medical expense coverage is included in one’s auto insurance. The result being that injured individuals may have access to a greater amount of financial coverage for medical costs due to injuries.“These new laws are extremely important for people injured in car accidents as they can have a big impact on the settlement an injured person may be eligible to receive,” said Steve Eisenberg, Wisconsin personal injury attorney and one of the founders of Eisenberg Law Offices, S.C., of Madison, Wisconsin. “You need a lawyer that understands the new laws and how to maximize your recovery.”The budget also mandates that insurance companies will no longer be able to deny coverage for hit-and-run accidents because physical contact did not occur. This gives injured drivers access to uninsured motorist coverage if they can provide independent, third party evidence of the accident.New minimum coverage amounts have been set for auto liability insurance, requiring that policies must cover “$50,000 because of bodily injury to or death of one person in any one accident and $100,000 because of bodily injury or death of two or more persons in any one accident, and $15,000 because of injury to or destruction of property of others in any one accident.”Other changes include the requirement of all liability policies to include underinsured motorist coverage if at least $100,000 per person and $300,000 per accident. Along with the new insurance mandate is the repeal of a 14-year-old law that banned insured drivers from stacking auto insurance policy limits for uninsured and underinsured motorist coverage.
Eisenberg Law Offices, S.C. provides superior representation in Wisconsin personal injury, criminal defense, family and divorce, drunk driving, and civil litigation cases. They have over 25 years of experience representing injured victims of auto, truck and other vehicle collisions and have won millions for their clients in Wisconsin personal injury cases.

AUTO INSURANCE CHECKLIST : a guide for saving money on auto insurance

Shopping for auto insurance? The price you pay for your auto insurance can vary by hundreds of dollars, depending on your driving record, the type of car you have and the insurance company you buy your policy from. Here is a list of things you can do to save money.


Shop Around

Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department (http://www.iii.org/media/companies/state_org/insur_departments/) may also provide a means to compare prices.

Get quotes from different types of insurance companies. Some sell through their own agents. Some sell through independent agents who offer policies from several insurance companies. Other companies sell directly to consumers over the phone or via the Internet. The price may vary depending on the sales method.

But don't shop by price alone. You want a company that answers your questions and handles claims fairly and efficiently. Sources for finding the right kind of company include: word of mouth, i.e. friends, relatives, co-workers; your state insurance department, where you can find consumer complaint ratios by company; and consumer magazines. You can also check the financial health of insurance companies through independent rating companies.

Before you buy a car, compare insurance costs

Your premium is based in part on the car’s sticker price, the cost to repair it, its overall safety record and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft, such as air bags, anti-lock brakes, daytime running lights and anti-theft devices.

For more information on car safety, check the Insurance Institute for Highway Safety.

Cars that are favorite targets for thieves cost more to insure. For more information on car theft, check the National Insurance Crime Bureau (NICB).

Ask for a higher deductable

Your deductible is the amount of money you pay out-of-pocket before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage premium by 15 to 30 percent. Going to a $1,000 deductible can save you 40 percent or more. However, keep in mind that you’ll need to have the amount of the deductible on hand should something happen to your car.

Reduce coverage in older cars

Consider dropping collision and/or comprehensive coverage on older cars. It may not be cost-effective to continue insuring cars worth less than 10 times the amount you would pay for coverage. Any claim payment you receive would not substantially exceed your premiums minus the deductible. Claims occur on average only once every 11 or 12 years. Auto dealers and banks can tell you the worth of a car, or you can look it up online at Kelley Blue Book.

Buy your homeowners and auto coverage from the same insurer

Many insurers will give you a discount if you buy two or more types of insurance from them. Also, you may get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce premiums for long-time customers. But shop around carefully; you may still save more money buying from a different insurance company even with the multi-policy discount.

Take advantage of low-mileage discounts

Some companies offer discounts to motorists who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who carpool to work.
Ask about group insurance

You may be eligible to get insurance through a group plan from your employer, or through professional, business and alumni groups or other associations. Group plans often provide substantial discounts. Ask your employer, or any groups or clubs of which you are a member, about this option.

Maintain good credit

Your credit rating may affect what you pay for insurance, so monitor it carefully. You can get this information directly from the three major credit-rating agencies (Equifax, Experian, Trans Union). There are also various Web sites that allow you to check your credit rating and provide tips on how to improve your score.

Seek out safe driver discounts

Most insurance companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also qualify for a cut if you have recently taken a defensive driving course, if you are over 50 and retired, or if there is a young driver on the policy who is a good student, has taken a drivers education course or is away at a college, generally at least 100 miles away.

When you comparison shop, be sure to inquire about discounts for the following (availability will vary according to the state and company):

o No accidents in 3 years
o No moving violations in 3 years
o Drivers over 50 to 55 years of age
o Driver training course
o Defensive driving course
o Student drivers with good grades
o College students away from home
o $500 deductible
o $1,000 deductible
o Air bags
o Anti-lock brakes
o Daytime running lights
o Anti-theft device
o Low annual mileage
o Auto and homeowners coverage with the same company
o More than one car insured with the same company
o Long-time customer

But don’t forget that the key to savings is not the discounts but the final price. A company that offers few discounts may still have a lower overall price.

Auto Insurance History and Claim easily...

Claim easily,Principles of insurance,claims and loss handling is the materialized utility of insurance,Insurance company claim departments
Finally, claims and loss handling is the materialized utility of insurance; it is the actual "product" paid for, though one hopes it will never need to be used. Claims may be filed by insureds directly with the insurer or through brokers or agents. The insurer may require that the claim be filed on its own proprietary forms, or may accept claims on a standard industry form such as those produced by ACORD

Insurance company claim departments employ a large number of claims adjusters supported by a staff of records management and data entry clerks. Incoming claims are classified based on severity and are assigned to adjusters whose settlement authority varies with their knowledge and experience. The adjuster undertakes a thorough investigation of each claim, usually in close cooperation with the insured, determines its reasonable monetary value, and authorizes payment. Adjusting liability insurance claims is particularly difficult because there is a third party involved (the plaintiff who is suing the insured) who is under no contractual obligation to cooperate with the insurer and in fact may regard the insurer as a deep pocket. The adjuster must obtain legal counsel for the insured (either inside "house" counsel or outside "panel" counsel), monitor litigation that may take years to complete, and appear in person or over the telephone with settlement authority at a mandatory settlement conference when requested by the judge.

In managing the claims handling function, insurers seek to balance the elements of customer satisfaction, administrative handling expenses, and claims overpayment leakages. As part of this balancing act, fraudulent insurance practices are a major business risk that must be managed and overcome. Disputes between insurers and insureds over the validity of claims or claims handling practices occasionally escalate into litigation; see insurance bad faith.

[edit] History of insurance

Main article: History of insurance

In some sense we can say that insurance appears simultaneously with the appearance of human society. We know of two types of economies in human societies: money economies (with markets, money, financial instruments and so on) and non-money or natural economies (without money, markets, financial instruments and so on). The second type is a more ancient form than the first. In such an economy and community, we can see insurance in the form of people helping each other. For example, if a house burns down, the members of the community help build a new one. Should the same thing happen to one's neighbour, the other neighbours must help. Otherwise, neighbours will not receive help in the future. This type of insurance has survived to the present day in some countries where modern money economy with its financial instruments is not widespread (for example countries in the territory of the former Soviet Union).

Turning to insurance in the modern sense (i.e., insurance in a modern money economy, in which insurance is part of the financial sphere), early methods of transferring or distributing risk were practised by Chinese and Babylonian traders as long ago as the 3rd and 2nd millennia BC, respectively. Chinese merchants travelling treacherous river rapids would redistribute their wares across many vessels to limit the loss due to any single vessel's capsizing. The Babylonians developed a system which was recorded in the famous Code of Hammurabi, c. 1750 BC, and practised by early Mediterranean sailing merchants. If a merchant received a loan to fund his shipment, he would pay the lender an additional sum in exchange for the lender's guarantee to cancel the loan should the shipment be stolen.

Achaemenian monarchs of Iran were the first to insure their people and made it official by registering the insuring process in governmental notary offices. The insurance tradition was performed each year in Norouz (beginning of the Iranian New Year); the heads of different ethnic groups as well as others willing to take part, presented gifts to the monarch. The most important gift was presented during a special ceremony. When a gift was worth more than 10,000 Derrik (Achaemenian gold coin) the issue was registered in a special office. This was advantageous to those who presented such special gifts. For others, the presents were fairly assessed by the confidants of the court. Then the assessment was registered in special offices.

The purpose of registering was that whenever the person who presented the gift registered by the court was in trouble, the monarch and the court would help him. Jahez, a historian and writer, writes in one of his books on ancient Iran: "[W]henever the owner of the present is in trouble or wants to construct a building, set up a feast, have his children married, etc. the one in charge of this in the court would check the registration. If the registered amount exceeded 10,000 Derrik, he or she would receive an amount of twice as much."[1]

A thousand years later, the inhabitants of Rhodes invented the concept of the 'general average'. Merchants whose goods were being shipped together would pay a proportionally divided premium which would be used to reimburse any merchant whose goods were jettisoned during storm or sinkage.

The Greeks and Romans introduced the origins of health and life insurance c. 600 AD when they organized guilds called "benevolent societies" which cared for the families and paid funeral expenses of members upon death. Guilds in the Middle Ages served a similar purpose. The Talmud deals with several aspects of insuring goods. Before insurance was established in the late 17th century, "friendly societies" existed in England, in which people donated amounts of money to a general sum that could be used for emergencies.

Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in Genoa in the 14th century, as were insurance pools backed by pledges of landed estates. These new insurance contracts allowed insurance to be separated from investment, a separation of roles that first proved useful in marine insurance. Insurance became far more sophisticated in post-Renaissance Europe, and specialized varieties developed.

Toward the end of the seventeenth century, London's growing importance as a centre for trade increased demand for marine insurance. In the late 1680s, Edward Lloyd opened a coffee house that became a popular haunt of ship owners, merchants, and ships’ captains, and thereby a reliable source of the latest shipping news. It became the meeting place for parties wishing to insure cargoes and ships, and those willing to underwrite such ventures. Today, Lloyd's of London remains the leading market (note that it is not an insurance company) for marine and other specialist types of insurance, but it works rather differently than the more familiar kinds of insurance.

Insurance as we know it today can be traced to the Great Fire of London, which in 1666 devoured 13,200 houses. In the aftermath of this disaster, Nicholas Barbon opened an office to insure buildings. In 1680, he established England's first fire insurance company, "The Fire Office," to insure brick and frame homes.

The first insurance company in the United States underwrote fire insurance and was formed in Charles Town (modern-day Charleston), South Carolina, in 1732. Benjamin Franklin helped to popularize and make standard the practice of insurance, particularly against fire in the form of perpetual insurance. In 1752, he founded the Philadelphia Contributionship for the Insurance of Houses from Loss by Fire. Franklin's company was the first to make contributions toward fire prevention. Not only did his company warn against certain fire hazards, it refused to insure certain buildings where the risk of fire was too great, such as all wooden houses. In the United States, regulation of the insurance industry is highly Balkanized, with primary responsibility assumed by individual state insurance departments. Whereas insurance markets have become centralized nationally and internationally, state insurance commissioners operate individually, though at times in concert through a national insurance commissioners' organization. In recent years, some have called for a dual state and federal regulatory system (commonly referred to as the Optional Federal Charter (OFC)) for insurance similar to that which oversees state banks and national banks.
Auto insurance

Main article: Vehicle insurance

A wrecked vehicle

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: (1) Property coverage pays for damage to or theft of your car. (2) Liability coverage pays for your legal responsibility to others for bodily injury or property damage. and (3) Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. [8]

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Steps to Filing Your Auto Insurance Claim, getting paid !!

Getting Paid on an Auto Insurance Claim Steps to Filing Your Auto Insurance Claim, part Your Auto Insurance Claim,Evaluate Your Auto Insurance Claim, Fill out Your Auto Insurance Claim,getting your car fixed on Your Auto Insurance Claim
1. Evaluate whether or not you should file a claim: Did you know that just when you call your insurance company with a question about possibly filing a claim it is often recorded on your insurance record? It is important to keep your insurance record clean and one way is deciding whether or not you should file a claim. It doesn’t matter if the accident is your fault or not, you should ask yourself first if you can pay for the damage. Simply put, if you can pay for it yourself without financial hardship, don’t file the claim.
2. Fill out your What to do After an Auto Accident Worksheet: This worksheet, which when you click on the title is provided for print-out, will help you keep track of the information you will need to file your auto insurance claim. It is important to get every detail of the accident documented and to try to find witnesses that would be willing to talk to your insurance company to back-up your story.

3. File the claim ASAP: You will want to file the claim as soon as possible with your insurance company. Even if it is not your fault, your insurance company will handle the claim process as your advocate.

4. Prepare for a possible call from the other insurance company: If there is a dispute between the two parties in the accident, you may get a call from the other driver’s insurance company asking for your version of what happened at the accident scene. If this happens make sure you document everything you say and the name of the customer service agent you talked too.

5. Finally, getting your car fixed: If you had body damage to your vehicle this is when you will finally get it fixed. After your claim is approved, you will likely get a call from your insurance company about sending an insurance adjuster out to assess the damage or asking you to send your car to a pre-approved shop to get it fixed.

Sooner or later it happens to nearly all of us. An auto accident. You do all the right things at the accident scene. Then you made a few phone calls to get the insurance company to get the claims process started. Now it's about time for the payoff. Who's going to repair your car and how much will the insurance company pay? Let's see if we can't negotiate a fair deal for ourselves.

In most cases you'll need to get an estimate of what it will cost to repair the damage to your car. Remember that your goal is to get your car repaired properly so you won't have problems later. The insurance company's goal is to pay you as little as possible. They may suggest that you to use their 'convenient drive-in claims adjuster'. Or perhaps they'll use a quote from a local repair shop that gets lots of business from them.

Don't go for it. In either case the person providing the estimate is loyal to the insurance company. They have no reason to try to satisfy you. Find a shop that has your confidence. The dealer that sells that make of car is probably the best if they have a repair shop. You may want to get estimates from a couple of different shops. That's your choice. Check your policy. It rarely requires you to go to their shop or to get more than one estimate.

What happens if your car isn't driveable? Then have it towed to the shop of your choice. It's cheapest to do that right at the time of the accident. It's good to have the shop's name and address already available in your car. By having the car to the shop of your choice you've forced the adjuster to play on your home field. He has to respond to their estimate. On the other hand, if the car's in your driveway he can offer to have it towed to his favorite low cost shop. Then he'll have all the advantage in negotiating the price of the repairs.

OK, you've agreed on a shop and the work is completed. So it's just a matter of picking up the car. Right? Wrong! This is your last real chance to get the job done to your satisfaction. The insurance company will have named you on the check. You will be required to sign the check or a repair order stating that the work is completed. You may also need to write your own check to the repair shop for the deductible.

Don't sign off until you've thoroughly inspected the car. And I do mean thoroughly. Look at the bodywork under bright lights. Sunlight is best. Look at the car from all different angles. Is the sheetmetal straight? How's the paint? Try all the doors, windows and anything else that moves in the repaired area. Make sure that nothing is binding or crooked and that everything is properly aligned. Take it for a test drive. It should run and sound like before the accident. No new rattles. Make sure you understand your guarantee. If something goes wrong later you'll be dealing with the repair shop, not the insurance company.

If you've been forced to use a shop chosen by the insurance company, be especially careful to inspect the car. In fact, you probably would be wise to 'drop in' once or twice during the repair to actually see what's happening. Ask to see all the old parts that they were going to replace. They could save some money by repairing a molding or other part instead of buying a replacement part. All shops are not dishonest, but some are.

Suppose that your agent calls and says that you car is a total loss. They want to cut you a check for the value of the car and you just give them the car and title. There are two potential problems. First, your car was worth more to you than anyone else. That's why you were still driving it. Second, how do you determine what the car's worth?

The adjuster will probably use the Kelly Blue Book. They might also include classified ads for similar cars to come up with an offer for your car. Expect them to offer you the 'wholesale' value. That's what the dealer would pay for the car before they add their profit margin to sell it to you. Naturally, you'll end up paying retail. Shouldn't your payoff be at retail?

How can you get a higher price? By shopping! Go to a number of dealers. Read the classified ads for comparable cars. Make a list and give it to the adjuster. If that fails, ask him to find a replacement car for the amount he's offering. He's the one that says it's out there. Let him prove it.

Now's the time that homework pays off. Was your car a low mileage vehicle? That's worth something. Did you keep maintenance records to show that the car was in above average condition? Do you have any pictures or other evidence that your car was a 'cream puff'?

Oh, and don't forget to add in the cost of tax and title. In some places it can be 6 or 8% of the price of the car. In almost all cases that will be hundreds of dollars.

Hopefully, you won't ever need to settle an auto accident claim. But, if you're ever in an accident, knowing how to deal with the insurance company is essential. They expect you to pay your premiums faithfully. It's up to you to make sure that they pay properly on your claim. Nothing that the average driver armed with a little knowledge can't do. And if it ever comes up, so can you!

Auto Insurance company of United states

American National Insurance Company
American National Insurance Company (NASDAQ: ANAT) is a major American insurance corporation based in Galveston, Texas. The company and its subsidiaries operate in all 50 U.S. states, the District of Columbia, Puerto Rico, and American Samoa. Through its subsidiary, American National de México, Compañía de Seguros de Vida, it provides products and services in Mexico.Company description

American National was founded in 1905 by Galveston businessman William L. Moody, Jr.. Today the company offers a wide array of insurance products and services including life insurance, annuities, health insurance, property and casualty insurance, credit insurance, and pension plan services. Mutual funds and other securities products are distributed through its broker-dealer subsidiary, Securities Management and Research, Inc.

Although a publicly traded company, the majority of the stock continues to be controlled by the Moody family through foundations and trusts administered by the trust department of the family owned Moody National Bank.[6][7]

Financial ratings[8]

American National is subject to insurance regulation and examination by all 50 states as well as federal entities like the SEC and FTC. In addition, its records are audited by KPMG as well as the major financial rating agencies. The ratings reflect the company’s capitalization, operating performance and liquidity.

* A. M. Best Company: A+ (Superior)
* Standard and Poor's: AAA (Very Strong)


American Automobile Association
History

The American Automobile Association was founded on March 4, 1902, in Cleveland, Ohio as a response to a lack of roads and highways suitable for autos. The organization originally had 1000 charter members, who were generally of an auto enthusiast demographic. AAA’s membership base is and was formed from a number of local and regional motor clubs that later combined forces to create a more powerful organization.

The association expanded its scope of services as years progressed. The first AAA road maps were published in 1905, and AAA began printing hotel guides in 1917. AAA began its School Safety Patrol Program in 1920, and many driver safety programs followed in the decades to come. The AAA Foundation for Traffic Safety, which conducts a large volume of studies regarding motorist safety, was established as separate entity in 1947.

AAA was a sanctioning organization for auto racing in the United States until 1956. It sanctioned many races, including the Indianapolis 500. After the 1955 Le Mans disaster, AAA decided that auto racing distracted from its primary goals, and the United States Automobile Club was formed to take over the race sanctioning/officiating.

[edit] Current operations
A typical AAA office
A typical AAA Car Care Plus center

Members belong to an individual club (such as AAA Northwest Ohio, AAA Mid-Atlantic, the California State Automobile Association, the Automobile Club of Southern California, AAA Oregon/Idaho, or Auto Club South, for example) and the clubs in turn own AAA. The member clubs have arranged a reciprocal service system so that members of any participating club are able to receive member services from any other affiliate club. Member dues finance all club services as well as the operations of the national organization.

From the standpoint of the consumer, AAA clubs primarily provide emergency road services to members. These services, which include everything from lockouts, winching, tire changes, automotive first aid, and towing, are handled by private local towing companies contracted by a state AAA club. Many AAA clubs have an automotive fleet division serving large metro areas, while private towing companies cover the surplus call volume by area. Recently, certain clubs have implemented an "on the go" diagnostic/installation automotive battery program, which offers members an additional service to an ever more demanding commute. This is part of AAA's vision for the future of automotive services, termed Go, not Tow. Clubs also distribute road maps and travel publications, and rate restaurants and hotels according to a "diamond" scale (one to five). The best hotels and restaurants according to AAA's criteria receive the Five Diamond Award. Many offices sell automobile liability insurance, provide travel agency, auto-registration and notary services. AAA also offers member discounts at over 100 partners including many hotels, Amtrak, Hertz rental cars, Jiffy Lube, LensCrafters, and Payless ShoeSource through its "Show Your Card & Save" program.

[edit] International affiliates

The AAA has reciprocal arrangements with a range of international affiliates. In general, members of affiliates are offered the same benefits as members of the AAA while traveling in the United States, whilst AAA members are offered equivalent benefits whilst traveling in the territory of the affiliate.

International affiliates include:

* The Automobile Association in the United Kingdom.
* The Canadian Automobile Association in Canada (TourBooks and maps of Canadian places are published by AAA, and are distributed by AAA and CAA clubs using both AAA and CAA logos).
* The ADAC in Germany.

[edit] AAA and motorist rights

The AAA has a mixed record with its support of motorist rights.

The AAA is known for occasional high profile motorist advisories of unreasonable traffic enforcement, such as when it rented a billboard to warn motorists of the speed trap town of Lawtey, Fl.[1] In addition, the speed trap in Denmark, South Carolina, continues to receive scrutiny, especially since the municipality raises revenue by issuing unwarranted speeding tickets, which, unfortunately, also puts unearned points on motorists' drivers licenses.[citation needed]

However, the AAA has taken positions contrary to motorist rights. Prominent examples include:

* Support of the old 55 mph National Maximum Speed Law[2]
* Support of Virginia's now-repealed traffic citation tax because of its revenue generation potential.[3][4]

In many states, the mere presence of a ticket on driver's record allows a provider of automobile insurance to charge higher rates regardless of actual risk, if any, posed by the actual violation. Therefore, as a major provider of automobile insurance, the AAA has a fiduciary interest in supporting policies or practices that maximize motorist citations.

ANOTHER LIST AUTO INSURANCE BY RATING :
* American National Insurance Company
* American Automobile Association
* AIG
* Allstate
* American Family Insurance
* American Farmers and Ranchers Mutual (formerly Oklahoma Farmers Union Mututal)
* Amica
* Auto-Owners Insurance
* California Casualty Insurance
* CapitalOne

* Commerce Insurance Group
* COUNTRY Insurance & Financial Services
* Cuna Mutual Group
* Electric Insurance Company
* Esurance
* Expatriate Insurance
* Farm Bureau Insurance
* Farmers Insurance
* Frankenmuth Mutual Insurance Company
* GAINSCO Auto Insurance
* GMAC Insurance
* Geico
* The General
* GuideOne
* Hanover Insurance
* The Hartford
* Hastings Mutual Insurance Company
* Haulers Insurance Company
* Infinity Auto Insurance Company
* Liberty Mutual
* Nationwide Insurance
* National Interstate
* Metropolitan Life Insurance Company
* Mutual of Enumclaw[1]
* OneBeacon Insurance Group
* Pekin Insurance[2]
* Pemco
* Progressive
* Safeco
* Safeway Insurance Group
* Standard Insurance Company [3]
* State Auto Insurance Companies[4]
* Shelter Insurance Companies
* Solid Insurance Group
* State Farm Mutual Automobile Insurance Company
* The St. Paul Travelers Companies, Inc.
* Trustgard Insurance
* Unitrin Direct Auto Insurance
* USAA
* Wawanesa (California)
* Westfield Insurance

Six ways to save on auto insurance

“It was an old Oldsmobile that my mom and dad gave me and the gas pedal never even worked and I had it for two weeks!” said Vickie Sheaks.
Most everyone can remember their first car.
"Our first car was a '55 Oldsmobile," said Granger resident Dave Byers.
However, most drivers can't remember what they paid for insurance then or now. “Oh, I have no idea," said Byers.The cost of insurance revs up a lot of drivers and not in a good way. To obtain copies of free quotes, you must first know a site that offers this service. There are 2 options, you can either go to each insurance company's website and fill out their Free Auto Insurance quotes form or else you can find an online insurance broker that works with a number of insurers to get your Free Auto Insurance Quotes . Both ways have their advantages but we definitely recommend you to go online and fill out all the quote forms. When it comes down to it, you can do whichever you think is the best.
The Next step is to provide accurate information on yourself as well as what you are looking for in your free quotes. Remember, if you mess up even one detail , you may end up having an inaccurate free quotes in your hand. This could lead to a huge disappointment down the line when you are told that you cannot obtain the price of the original quotes. Please bear in mind, to get a cheaper free auto insurance quotes, please provide them this detail - your background, type of car, driving history, police record, date of birth.

Remember, the more auto insurance quotes you got, the more choices you can compare. We personally recommend a minimum of 3 free car insurance quotes. Getting one quotes is a great place to start, but this is not where you should stop. Even if your first auto insurance quote looks great, you never know what the competition is going to do for you; this is until you get free quotes from them as well. Remember to set a budget for yourself, a price that you can afford.

In the end , your final step is to purchase a policy from the auto insurance quotes that you have received. This may be the most difficult decision that you are faced with; especially if there are a couple of policies that you like.

Oh ya, a short note from me, Insurance companies are inter-linked with each other, it's better to be honest with them. That's why providing precise and accurate information to get free auto insurance quotes is no joke, make sure you give the same information to every insurance company. Don't simply try out by filling the quotes with different information, they have information exchanged everyday and they would know. You will end up getting free auto insurance quote which are much more expensive and there will be no chance to lower the premium down."You’ve gotta find somebody that you trust, that understands the business and will work for you to find out what your needs are,” stated Jim Holland, owner of Holland Insurance in South Bend.

For 18 years Holland has been providing drivers with coverage and says there are some super savings available for savvy consumers.

"Increasing deductibles — we're seeing 10 and 15 plus percent discounts, taking a deductible from $500 to $1,000," said Holland. "Does the vehicle have anti-lock brakes, air bags, all the typical credits?"

You can save up to 20 percent on your bill by insuring both your home and car with the same company — that goes for renters, too.

If your credit score has improved over the last year or so, call your agent. You can roll up to a deep discount.

Parents with student drivers can save, too.

“If you have students, good student discounts are available,” Holland adds, “If you have a student away at school, you've got to make sure your agent is aware of that so they can give you the appropriate credit on your policy.”

Don't be afraid to shop around for the best rates. Byers did and he saved $500 a year.

"I just got a quote from a local insurance agency, compared it to what I had been paying for 20-something years and said ‘Hey I've got to do something different,'" said Byers.

Experts say to get at least three quotes from three reputable agencies.

Putting the brakes on big car insurance bills is as easy as:
# Increasing your deductible
# Listing all the safety features on your car
# Combining home and car insurance with the same company
# Letting your agent know if your credit score has improved
# Letting your agent know when your student is away at college; good students get better premiums
# Shopping around for the best bargain

In these tough economic times it is good to know you can get affordable auto insurance without breaking the bank or the speed limit.

"The industry is designed to protect people and we want to do it at the right value for them," stated Holland.

Types of Coverage auto insurance

Each person who drives necessitates car insurance. In fact, most states command it by law. When you purchase car insurance, you are purchasing what is called a policy. Your policy is grounded on a diverseness of factors admitting what kind of car you drive as well as what sort of insurance you want. compare auto insuranc policies are in reality a package of dissimilar types of insurance coverage.
The first step in interpreting an auto insurance policy is to ascertain the various types of coverage insurance companions offer. Some of this coverage may be compulsory by your state and some of the coverage may be facultative.

• Liability - This coverage antes up for accidental corporal trauma and property indemnification to others. Injury impairments include medical disbursements, pain and bearing and lost wages. Property damage admits damaged property and automobiles. This coverage also compensates defense and court costs. State laws ascertain how much liability coverage you must leverage, but you can forever get more coverage than your state compels.
• Collision - This coverage pays for impairments to your vehicle stimulated by collision with additional vehicle or object.
• Comprehensive - This coverage compensates for loss or impairment to the insured vehicle that doesn't come about in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, flood, vandalism, wind, hail, or theft.
• Medical Coverage - Pays medical expenses disregarding of fault when the expenses are stimulated by an auto accident.
• PIP - Personal Injury Protection (PIP) is commanded in some states. This coverage compensates medical expenses for the insured driver, irrespective of fault, for discourse due to an auto accident.
• Uninsured Motorist - compensates your car's impairments when an auto accident is induced by a driver who doesn't have financial obligation insurance.
• Underinsured Motorist - compensates your car's impairments when an auto accident is stimulated by someone who has deficient liability insurance.
• Rental Reimbursement - This type of coverage will compensate for a rental car if your car is besmirched due to an auto accident. Frequently this coverage has a day-to-day leeway for a rental car.
Numerous insurance policies coalesce a number of these eccentrics of coverage. The first step in picking out the compare auto insurance you desire for your car is to know the laws in your state. This will tell you the lower limit insurance you need for your car. It's benevolent to keep in mind that, just since your state may not compel extensive insurance, extra coverage may be meriting the expense.
After all, no one desires to be bewildered with thousands of dollars worth of bills because of an auto accident.Now, let's take a look at how to determine your insurance needs.

Bringing the Costs Down

There are four main components that can donjon compare auto insurance rates bolt down. See if you accrue into any of the accompanying categories. If you do, you may be able to save money on your car insurance disregarding of the appraise of your automobile.

1. If you are awaiting to buy a car, turn over buying a car that looks benevolent to insurance companies. For instance, insurance companies be intimate what varieties of cars are prostrate to problems. They also experience what varieties of cars are most frequently stolen. If you haven't bought your car yet, find out what cars make this "good list" amidst auto insurers.

2. Most insurance companies extend discounts for a variety of reasons - for example, estimable students, having additional than one car insured and accident-free driving are all worth a discount. Necessitate insurance companies just about particular discounts that may be uncommitted to you.

3. Deliberate carpooling or using public expatriation to get to work. The less you use your car, the less your insurance will cost you.

4. Finally, drive with kid gloves! Insurance companies are not happy to insure accident- prostrate drivers, so the more dependable you drive, the less you will have to compensate for auto insurance. Source :http://www.heavens-above.com/financialinfo/insurance/compar

AUTO INSURANCE IN INDIA

Auto Insurance in India deals with the insurance covers for the loss or damage caused to the automobile or its parts due to natural and man-made calamities. It provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability. There are certain general insurance companies who also offer online insurance service for the vehicle.

Auto Insurance in India is a compulsory requirement for all new vehicles used whether for commercial or personal use. The insurance companies have tie-ups with leading automobile manufacturers. They offer their customers instant auto quotes. Auto premium is determined by a number of factors and the amount of premium increases with the rise in the price of the vehicle. The claims of the Auto Insurance in India can be accidental, theft claims or third party claims. Certain documents are required for claiming Auto Insurance in India , like duly signed claim form, RC copy of the vehicle, Driving license copy, FIR copy, Original estimate and policy copy.

There are different types of Auto Insurance in India :

* Private Car Insurance – in the Auto Insurance in India, Private Car Insurance is the fastest growing sector as it is compulsory for all the new cars. The amount of premium depends on the make and value of the car, state where the car is registered and the year of manufacture.
* Two Wheeler Insurance – the Two Wheeler Insurance under the Auto Insurance in India covers accidental insurance for the drivers of the vehicle. The amount of premium depends on the current showroom price multiplied by the depreciation rate fixed by the Tariff Advisory Committee at the time of the beginning of policy period.
* Commercial Vehicle Insurance – Commercial Vehicle Insurance under the Auto Insurance in India provides cover for all the vehicles which are not used for personal purposes, like the Trucks and HMVs. The amount of premium depends on the showroom price of the vehicle at the commencement of the insurance period, make of the vehicle and the place of registration of the vehicle.

The auto insurance generally includes:

* Loss or damage by accident, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act.
* Liability for third party injury/death, third party property and liability to paid driver
* On payment of appropriate additional premium, loss/damage to electrical/electronic accessories

The auto insurance does not include:

* Consequential loss, depreciation, mechanical and electrical breakdown, failure or breakage
* When vehicle is used outside the geographical area
* War or nuclear perils and drunken driving

Some of the leading Insurance Companies offering Auto Insurance in India are:

HSBC India – Auto Secure
Bajaj Allianz - Bajaj Allianz's Motor Insurance
ICICI Lombard - Motor Plans, Two Wheeler Package Policy
United India Insurance Co. - Motor Package and Liability Only Policies
The New India Assurance Co. - Motor Policy

TEXAS AUTO INSURANCE

Today's Texas auto insurance market does not seem to have senior drivers in mind when it comes to lower rates. Even when actual car use has diminished, some mature drivers find themselves paying higher premiums. The problem is not that Texas insurers are attempting to push senior drivers into a position of unaffordable auto insurance. The reality is simply that changes in pricing structure have made it more difficult for individual seniors to understand all of the factors that may apply to rate reduction. Consequently, senior drivers are often unaware of the specific ways in which their auto insurance rates may be lowered.

Senior drivers looking to lower their premiums on auto insurance should review their policies taking the following considerations into mind.

* Driver classification - Commonly described as automobile usage, a driver classification specifically defines the type and amount the auto will be used by the insured senior driver. Types of usage include "to and from work" or "pleasure only." A senior's driver classification may also take into account the decreases in mileage annually. Some seniors use their vehicle only on special occasion, which could result in further rate decreases. A senior looking for lower auto insurance rates should make sure the carrier is aware of the actual vehicle usage, and that this factor is being taken into account in the rate calculations.

* Drivers history - Auto insurance carriers in Texas use these three major indicators in underwriting policies and determining rates. It is recommended that all Senior drivers make their driver's history as "clean" as possible. One should contest all moving violations when possible, and cover others with defensive driving courses.

* Claims history - A Senior's claims history carries significant weight as well. The Texas Department of Insurance requires carriers to record all claims reported to them by the insured. With this in mind, it is important to understand that when contacting an insurance representative, one should specify whenever the call is for information only. Otherwise, it may be recorded a filed claim, thereby affecting your claims history and possibly rates.

* Financial score - Senior drivers should do whatever they can to improve their financial score when looking for low auto insurance rates. Stability and debt ratio are major factors that carriers take into account when underwriting a Senior's policy. Seniors that have reduced their financial obligations should make sure their financial scores reflect this, and alert their insurance agents whenever such information has changed.

As with all types of insurance, seniors should feel that their carrier's representative is willing and able to take the time needed to discuss and adjust the auto insurance policy to their clients benefit. George White understand the importance many seniors place upon the ability to contact a human being that can give them the personal time and attention they need to feel confident and secure about the auto insurance policy they receive. For this reason, George White will make sure to speak with you on an individual basis about your policy, and how lower rates may be attained. If he cannot offer you the lowest possible rate or the best policy appropriate to your situation, he will refer you to someone who can!

Give George White a call today toll free at 866-663-5262 to learn more about how you can lower your auto insurance rates by getting the type of coverage that is right for you!

Most Famous Auto Insurance

SAFECO INSURANCE:

Safeco insurance company sells their products solely via a countrywide network of autonomous agents and dealers who offer the advice and options to the client. They also own a web-based dais where a client only needs to register his name, contact details and the requirement. The agents within minutes contact him, quote the policy and issue insurance to his vehicle.

GEICO AUTO INSURANCE COMPANY:

Geico offers auto insurance to clients across the U.S. They also provide insurance coverage for your home, boat, RV, life and much more.

STATE FARM AUTO INSURANCE COMPANY :

This auto insurance company has been in this trade for offering first-rate auto cover at a reasonable price since 1922.

Auto Insurance is designed to fiscally cover up the possible auto-related damages, loss or injuries. It assists you in the protection of the automobile, other people's property the other vehicles and drivers and the pedestrians. It may also help defend you in the incident of an auto-associated lawsuit.

PROGRESSIVE AUTO INSURANCE COMPANY:

Progressive is the 3rd largest insurance company in the country with the clientele of around or above 10 million people to insure their vehicles. Progressive is mainly known for the wide variety of products to suit the requirement of almost all the drivers. They provide unbeatable customer care and attention making their client permanent.

MEXBOUND AUTO INSURANCE COMPANY:

Mexbound is an online company that facilitates auto insurance to the clients all over Mexico. The insurance policy can be chosen and bought online. Mexbound through a secure online process lets you easily get a quote and take a print of your Mexico Auto Insurance policy within minutes, totally eliminating the hassles of taking halt at the border. Mexbound auto Insurance company provides 24*7 toll free claim service, roadside aid and law and travel information.

ICICI LOMBARD INSURANCE COMPANY:
ICICI Lombard auto Insurance Company Limited is a joint business enterprise between ICICI Bank Limited and the Canada based $ 26 billion Fairfax Financial Holdings Limited.India's second largest bank, ICICI Bank and Fairfax Financial Holdings is a spread out financial company affianced into a business of auto insurance, insurance claims management, reinsurance and investment management.

Auto-insurance fraud hurts all motorists

OUR OPINION: Insurers aggressively should pursue the con artists

The lawsuit that Allstate Insurance recently filed in federal court in Miami may be bad news for the defendants -- tow-truck operators, chiropractic clinics, auto-body shops, some policyholders and others -- but it could be a good omen for policyholders. It definitely will be if it emboldens insurers to aggressively pursue fraud.

Staging accidents

The lawsuit alleges that the defendants collaborated in staging 17 auto accidents -- and possibly more -- and then filed fraudulent insurance claims. The lawsuit isn't a first. Allstate and other insurers do go after businesses and policyholders when they suspect cheating. More often than not, though, insurers find it easier to pay the claim and move on. That's because lawsuits are messy, expensive and time-consuming. Worse, the outcome of a jury trial can be unpredictable. In South Florida, even cases where the evidence of fraud is overwhelming have ended with insurers leaving the courthouse in shock and disbelief because of an unfavorable jury verdict.

As a consequence, many insurers are overly cautious about going to trial. Too often it is easier to pay than fight. The ultimate losers in this game of chicken are honest policyholders. They end up paying premiums inflated by the cost of fraudulent claims. This is why it is encouraging when an insurer goes to court to challenge an alleged bogus claim. Frankly, we wish it would happen more often.

The Allstate case involves an alleged network of businesses that brazenly and repeatedly filed claims in a scheme to steal from insurers -- and indirectly from policyholders. One driver would ram another driver's car. Both were part of the scam. Both would file claims for damages and medical bills, and the insurance companies would dutifully pay.

In these cases, the insurance companies paid out tens of thousands of dollars. Allstate realized that something was wrong when representatives noticed that the same cars with the same damage turned up in multiple accidents. The company investigated, gathered evidence and hired a lawyer to bring suit.

Billions lost

Whatever the outcome, the lawsuit sends a message to the scammers that they could end up in court and lose their businesses. There are other benefits, too. Once they're busted, the network of con artists has to cease doing ''business,'' or at least take extraordinary precautions to continue. If all insurers aggressively pursued fraud -- or even just a majority of them -- they could significantly raise the stakes for the thieves to stay in business.

Prosecutors say relatively few groups engage in organized fraud, but they steal billions each year from insurers and honest drivers. Insurers should consider prosecuting scam artists as an investment that results in lower costs for their business and lower premiums for customers.