Q: When I get into a car accident, what do I do?

Answer:First, always make sure that everyone riding with you is all right. If someone expresses pain or discomfort of any kind, be safe and call for the paramedics. Then notify the law enforcement so that a police officer can take note of all essentials needed in recording the accident. Then exchange all necessary information with the other driver or drivers, get their personal information and contact details. More importantly, note down their insurance company and call your own insurance agent the soonest possible time.

Q. What is the routine for filing a claim?

Answer:After informing your insurance agent of the accident, ask for instructions how to file a claim. In many companies, it’s the agents themselves who process the claims, but there are some who just gives instructions on how to file claims on your own. For others, you may need to take your car to the insurance company office.

Q. How is depreciation and how does it affect my claims?

Answer: Depreciation is the value of your car which decreases over the years. Naturally, the amount that insurance companies will pay in case your car has been totally wrecked will be lesser.

Q. If my car has been stolen and I have filed a police report, should I continue car insurance payments?

Answer: It is best to talk to your insurance company to know how much time will take before your stolen car claim is resolved. That is, of course, assuming you will be paid for the stolen car and there are no insurance premiums due. As it is, you don’t have to pay for insurance of a stolen car, but note that there is a possibility it may be recovered in a few days. What is more important is you report the incident right away to the police so that if the thief gets into a road mishap, you’re free of any responsibility.
The company financing your call expects to receive payments until otherwise compensated by your insurance company. Should there be overpayment, then expect a refund.

Q. Is the insurance company required to give me actual cash value of a totaled car?

Answer: Actual cash value is what it would cost to replace your vehicle with another in similar condition. This calculation includes mileage, prior unrepaired damages, tire wear and others. Still, the value to the insurer will be different from the market price of a totaled car, its make, model and year.

Q. If my car is totaled, can the car insurance company pay me less than blue book?

Answer: Any insurance company would offer an amount based on car wear, mileage and previous damages. If you find this lower, turn it down and negotiate until you reach an agreed amount. If not, then consider a litigating process. Just make sure there is enough money at stake to substantiate legal costs.

Q: Will AutoInsuranceByState.com gives me a free insurance quote?

Answer:Yes, AutoInsuranceByState.com gives customers free auto insurance quotes. The only time you have to spend your money is when you are ready to purchase your policy.

Q: Are the internet securities at AutoInsuranceByState.com plausible?

Answer:Yes. Our IT staffs are composed of the best in the computer industry and developed our internet securities at the maximum level. Customers would not have to worry about their personal information leaking as we make sure our internet traffic is being monitored and secured 24 hours a day.

Q: What is the general information needed for AutoInsuranceByState.com to give me a free auto insurance quote?

Answer:The typical information that our site will require you to enter are your: Driver’s license number, Vehicle Identification Numbers (VIN), lien holder information, Finance/Lease Company name and address, included/excluded drivers, number of cars, personal information such as married or single and SSN where the company can verify your identity.

Q: Will my MVR or Motor Vehicle Record affects the insurance policy that I will be purchasing?

Answer:Yes. The insurance company will check out your MVR first before they charge you in your policy. The more violations you have and the serious they get affects the quote that the company will be giving you. More often than not, high records of reckless driving will result into an increase of insurance quote compared to people who have fewer records or none at all.
If the accident record in your MVR is not your fault, you will then need to submit documentation such as police report that clearly demonstrates that you’re not at fault.

Q: What insurance coverage is suitable for me?

Answer:There are several Insurance policies that your chosen auto insurance company can offer you, however it will depend on what you need. You can choose from Collision, Comprehensive, No Fault, Property Damage, Medical Payment, Personal Injury and Uninsured/Underinsured Motorist Coverage.

Q: Will I be able to save my information details at AutoInsuranceByState.com site and return on it when I’m ready to purchase the policy?

Answer:Yes. Our site has a back end database that will store your information that is readily available to you whenever you are set to buy the policy. You will also be able to edit your information and correct the details or add some if you are still lacking in some areas.

Q: After I have paid the insurance when will my coverage takes effect?

Answer:Your coverage will begin right after your payment to the insurance company of your choice. For example, you paid today then your coverage will start today or up to 30 days in advance.

Q: What are my options for payment method?

Answer:Various insurance companies can transact with your credit card for your initial down payment. In the subsequent billings, they will give you the option to issue PDC or Post Date Checks, sign up for online feature where you can pay through the internet or go to the company store and personally hand your payment.

Q: Will I get a receipt for the payment of policy?

Answer:Yes. After you have made all the necessary payments and arrangements, you will be presented with a screen where you will see all the transactions that have been done including a print button where you will be able to print the proof of your insurance.