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Comprehensive Insurance or Third Party Car Insurance in Dubai


According to a report, there have been more than 3000 reported accidents per year in the UAE, which is quite terrible. Due to this accident rate, the UAE RTA laws have become more stringent to provide more safety to motorists.

Today, car insurance has become compulsory in the UAE. So, if you don’t want to lose out on a large sum of dirhams, it would be wise to spend a small amount right now in the form of your car insurance policy.

Before going any further, you must take a look at the scenarios in which you are eligible to claim your car insurance in the UAE

Insurance TopUp is the most affordable online insurance company in the UAE, in partnership with the best insurers in the world. Whether it’s providing a car insurance comparison or streamlining the insurance process for you, Insurance TopUp is a reliable source to trust.

Looking for the most affordable insurance services? Get your free auto insurance quote from TopUp Insurance now.

Here we have broken down the car insurance categories in the UAE. We assure you that with this car insurance comparison you will be able to choose the most suitable policy.


What is Third Party Liability Insurance (TPL)?

Starting from the most basic car insurance policy, third party car insurance in Dubai is the cheapest policy you can choose. It offers very limited services in the event of an accident, which is why it is cheaper than the other.

Under this coverage, your insurance company only pays for damage to the other vehicle or property caused by your negligence. Keep in mind that this does not pay for your loss. No medical bills, no repairs, nothing else.

In the event that an insured vehicle causes damage to a third party, the driver can contact his insurer to compensate the injury or repair costs of the other party.

So why do people choose this policy over another? The answer lies in its profitability.

Moreover, those who are confident in their excellent diving skills mostly opt for this type of policy.

Quoting specifically, if you buy this policy from a car insurance company in the UAE, you have to pay for your repair costs out of your own pocket.

If you wish to benefit from additional options such as fire or theft cover, you must pay an additional amount.

What is multi-risk car insurance?

Simply put, comprehensive car insurance covers third party car insurance as well as medical and repair costs that are caused to your property as a result of an accident.

Sounds more beneficial? Yes it is!

As it offers wide coverage, this policy is an expensive but more recommended option. It is better to invest a few extra dirhams now than to regret a greater financial loss later.

It covers a wide range of expenses, from medical bills to repairs to windshield replacement, each finance is covered by comprehensive car insurance in Dubai. This policy is in favor of the driver, whether the driver is at fault or in the event of fire or theft, it is a must-have policy.

Fix in mind:

  • All-risk insurance is a necessity in the event of a car loan. The bank requires you to buy it at least for the term of the loan in order to protect your car. You can take advantage of various other benefits depending on bank policies.
  • Comprehensive insurance in Dubai does not cover damage caused by alcohol consumption.
  • Make sure you fully understand the terms, conditions and conditions of the policy you intend to purchase.
  • Be sure to compare car insurance in the UAE.

In the end, it all depends on you that how much you are willing to pay for the policy of your choice. In order to take guidelines regarding insurance policies, please do not hesitate to contact Insurance TopUp or Just Call or WhatsApp +971565543022

We are here whenever you need us!

What type of disability insurance is right for me?


In the event of an accident, injury or illness that prevents you from working, disability insurance pays you a percentage of your income. But not all disability insurance policies are the same. In fact, almost all will offset different percentages of your income (usually between 50-70%), as well as different waiting periods and benefit periods. Waiting periods refer to the length of time you wait before your benefits start. Benefit periods refer to how long benefits will be payable, which depends on your disability and the policy you are purchasing.

Most plans have a start date ranging from 30 days to 120 days after a disability occurs. Coverage generally focuses on illness or injury, and your plan cannot change without your permission until you turn 65.

In general, experts agree that disability insurance is a must-have for people, whether you’re on a group plan with an employer or taking out an individual policy for yourself. But with so many plans available, it’s important to understand the differences between each. Here is a breakdown of the main types of disability insurance available:

• Group disability plans: This is the most common type of disability insurance plan and is usually offered by your employer. The lowest tier of group coverage is often focused on affordability, which is beneficial, but it means benefits and payments can vary widely. Keep in mind that group plans generally won’t cover your income levels significantly, and it can be difficult when you can’t work. They also often have monthly or annual caps on the dollar amount that will be paid and set maximum time limits which may be shorter than what you need. Group plans should always be read carefully, as you can often find that what you thought you were getting is very different from what you are actually getting.

• Individual Disability Plans: If you don’t have a group plan or don’t like your group plan, you can always opt for an individual disability insurance policy. Without a group, prices are often very different and will be tailored to your unique situation and needs, which can be both a plus and a minus. In general, plans are cheaper if you’re young, healthy, and working in a low-risk job than if you’re older, in poor health, or working in a job considered high risk for disability. Still, looking at your individual options means you might find a plan that better suits your needs, wants, and budget than a group plan. Doing the research could result in a better policy and a better position for yourself.

• Creditor disability insurance: Disability insurance is now commonly tied to debts, such as car loans, leases, mortgages and lines of credit. With creditor disability insurance, your financial institution takes out a group policy and you become a member of the policy when you take out a loan from this institution. These policies make loan repayments on your behalf rather than sending the money directly to you.

Although group plans are cheaper in general, individual plans offer better coverage and can be tailored to your specific needs, including better terms and conditions compared to a group plan. Remember that premiums, terms and conditions are locked in until you reach age 65, unless changes are made with your express permission. Individual plans are a great option for the self-employed, as well as professionals and managers, since they can have a “own occupation” definition of disability. This means that an insurance company cannot force you to practice another profession because of your experience and training, an important characteristic for many professionals. Professionals should be wary of association disability insurance plans because the terms, conditions and rates of these group policies can and often do change at any time.

If you need disability insurance, be sure to do your research on any policy you have or currently have.

How much does final expense insurance cost?


Seeing your loved ones struggling financially is a frustrating experience and we think you wouldn’t want the same to happen either. Purchasing final expense insurance now will save family members the stress of arranging a funeral after you are gone. In this article, you will get detailed information about the cost of a particular service when buying insurance.

What is final cost insurance for?

These are insurance policies designed to help people plan ahead for their funeral ceremony and protect their loved ones from additional financial burden. This means that if you have final expense life insurance for seniors, you won’t have to worry about funeral arrangements and expenses after the parents die and can grieve peacefully in solitude. Your nearest or preferred funeral home will arrange the funeral smoothly and the insurer will cover all costs. However, to obtain coverage, you must notify the insurance provider of an insured’s death as soon as possible so that they can contact the preferred funeral home and the required arrangements can be made in time.

Some life insurance plans also cover funeral expenses, but not everyone can afford life insurance just to cover funeral expenses. In addition, some people are not eligible for a life insurance plan due to their particular health condition. In this scenario, funeral expense plans have an advantage over life insurance. You do not need to undergo a medical examination to prove your insurability and anyone can obtain insurance for themselves. Even if you have someone in the family who is suffering from a terminal illness, you can easily get a plan for them without being asked about it.

How is the cost of insurance calculated?

There are many things that decide whether the cost of a funeral will be too low or too high and the same goes for the cost of an insurance plan. You can get in touch with insurance experts or representatives to get an idea of ​​how insurance costs are calculated and which plan will suit you best. But before doing so, you are suggested to get several final expense insurance quotes from online insurance portals. Once you get the quotes, you have an idea of ​​the average costs of an insurance plan. Now you can shortlist the top 3 or 5 insurance plans and talk to the representatives of these insurance companies. They will ask for your funeral preferences and let you know how much a particular service costs and how can you eliminate services you don’t need. For your convenience, we provide below an estimate of some of the most common services and their costs:

Professional services

These are basic services that you will have to pay for each time you organize a funeral. Under these, you may have to pay around $600 for basic services provided by the funeral home staff. The embalming service costs around $700 and you may have to pay an additional $400 for other preparation services.

Staff facilities and services

Funeral homes provide cemetery and burial services and arrange visitation or a wake-up ceremony for friends, relatives and loved ones of the deceased. Under these services, you may have to pay $900 for the viewing or a wake-up ceremony and will have to pay around $600.

Transportation Services

They transport the remains to the funeral home via a regular hearse and you will have to pay around $200 for transport and $250 for the hearse. If you decide to transport the remains in a limo, it will cost you about $200 more.


In this category, funeral homes provide the casket or cremation urn for the deceased. If the deceased had wished to be cremated, he will be provided with the funeral urn, otherwise a casket for approximately $3,500. Also, they provide a burial or vault for $2500 and for the memorial headstone service you will have to pay an additional $1000.

Other expenses

These include some additional services such as flower arrangements, funeral clothes, food, airfare and accommodation for visitors and other optional services which may add an additional $1,000 for the same price.

General liability insurance for contractors – 4 tips to avoid coverage surprises


General liability insurance is one of the first types of policies you will need if you are starting a new business. At Clinard Insurance, we see many new small businesses start up. Starting your own business is popular these days with the layoffs we are seeing in our economy. The best choice is often to pursue something you enjoy doing and so we see a lot of people building new businesses around their building skills. But just because you love building things doesn’t mean you know the best way to protect yourself and your business from lawsuits.

Here are some tips on the pitfalls to avoid when purchasing general liability insurance.
Choose the right agent. The first place people typically go for their business insurance is the insurance agency that handles their home and auto insurance. In some cases, this will work fine. But the risk is that your current agent may be authorized to sell you general liability insurance on your new business while having very little experience in assessing the hazards and risks of your specific type of business. I suggest you seek out an agent who specializes in insuring other small businesses like yours. Ask your competitors who they used. At Clinard Insurance, we have a niche specialty in small entrepreneurs and we speak their language and understand their needs. If your agent doesn’t specialize in your business, I suggest you find one that does.
Claims made or occurrence policy type: Building claims policies became popular in the mid-1980s and have been around ever since. The promise of these policies was lower rates, but what harm in the long run? In some cases, there are no cost savings. Claims made for a contractor are the worst policies you can buy. Let me explain: claims made policies allow you to make a claim on your policy only during the year they are in effect. Contractors have claims coming, not always the same year as the construction of the project! Also, if you want to leave this company and go to another company, you will need to purchase additional insurance to cover you for the next 10 years…that’s right, 10 years! Why? Because the law allows customers to file a complaint for construction issues up to 10 years after project completion.
An example:
You build a new room, everything goes well and you and your client are very happy with the end result… 4 years later your client calls you and says the roof is leaking and water has entered the house and ruined his new $25,000 grand piano. He expects you to fix the roof, the drywall, the wallpaper, the carpets and, of course, to replace the grand piano…
A claims policy will not allow you to file a claim 4 years later unless you have stayed with that same company the whole time. If you intend to change companies after being covered by an insurance policy, you must make a decision. If you want protection for any claims that have not yet occurred, but will occur in the future, you will need to purchase “tail” coverage. This coverage will extend the time in which you can file a claim. And the tail cover is not cheap.
If you decide not to purchase the “tail”, you will not be able to file a claim against the claims made policy. And to make matters worse, some companies don’t offer the 10-year extension.
So… When your claims made policy comes up for renewal, you need to decide:

  • Should I leave the company and pay for the supplemental insurance for the next 10 years of coverage, or leave without protection.
  • Do I stay with the same company? Their prices in the New Year can remain the same or increase sharply.
  • Should I switch to another company that offers better rates and coverage?

This limits the market available to you and makes it more difficult to accept a better offer from another insurance company. Claim policies may work in other industries, but for entrepreneurs they are a disaster. After reading this report, take the time to see if your current policy is either an event form or a claim form…..
Insurance company assessmentIt’s up to you to do your due diligence and find out from your agent about the financial health of the company you’re buying your general liability insurance from. As the previous tip indicates, claims can sometimes be very delayed and you should be aware that your company may pay a claim for you in 10 years. Only use insurance companies rated A or better to protect your business.
Exclusions, understand them clearlyBe sure to take the time to ask your agent what the policy exclusions are and what they may mean to you. Here are some exclusions contractors should consider when purchasing a general liability insurance policy:
Pesticides, Herbicides and Fungicides Exclusion, Use Practices Exclusion, XCU Exclusion, Contractor Warranty Exclusion, Professional Liability Exclusion, Asbestos, Independent Contractors. If you’re not sure what this means for you on your policy, contact your agent and get the help you need to understand it clearly. It can change the way you run your business.
SubcontractorsMake sure you understand how your policy deals with contractors. Are you covered if they have no or insufficient insurance for the loss? What coverage should you require from your subcontractors? How often should insurance certificates be obtained? How can you be sure that the certificate of insurance is legitimate. (I’ve seen fraudulent certificates for sale on eBay before). If you are unclear about the answers to these questions vis-à-vis your company and general liability policy, you should call your agent immediately and get the answers you need to sleep well at night.
As you can see, buying general liability insurance isn’t as simple as calling your agent and asking for a quote. You need an experienced professional who understands policy forms and your business. At Clinard Insurance, our specialty is helping small entrepreneurs navigate the dangerous waters of the insurance world. If we can help you further, or if you would like more information about Clinard Insurance Group, please visit our website.

What are the different types of auto liability insurance?


Car insurance can provide a wide variety of different levels of coverage, but most essential for everyone is what it provides in the form of liability insurance. This is so essential for most people that there is probably a legal requirement where the person lives that they have at least liability insurance in place for any vehicle driven on a public road or highway.

Where there can be some confusion, and often difficulty, is the level of cover needed, and who or what it actually covers in the event of a claim or accident. This can sometimes seem like a somewhat difficult maze to navigate, but it is of crucial importance as it can have literally life-changing effects for everyone involved if the insured is wrong.

The first thing to do is to understand the different types of liability insurance that exist. This can be a bit complicated on its own as different insurance companies and different countries will sometimes use different terminology. What is important is that the terminology is read and understood as to its meaning, both to comply with any legal requirements and to ensure that adequate insurance cover is available.

Liability is a term often used in auto insurance, and it will cover all types of liability insurance. In car insurance, it is important to understand that third party liability may or may not include passengers in the car, depending on the exclusions or restrictions placed on the policy. Civil liability is intended to cover persons and property with which the insured vehicle could come into contact and cause damage or loss of life. The policy should also include passengers in the insured’s car, but this is something that should be checked to be sure.

Civil liability is a catch-all general term and, unless otherwise specified, should include both property and person. Often the insurance company will make a distinction between people and property and provide different levels of coverage for each section. Very often there is a legal requirement for specific amounts for these two areas of insurance, and the insured must ensure that the legal requirements are met.

Beyond that, people often wonder what is the maximum coverage they can or should get when it comes to liability insurance. The short answer is that they should get as much as they can afford. This is an area where cutting costs or saving money is really not advisable, as the long-term effect can be devastating for everyone involved.

Insurance policies will normally specify dwt as third party liability or bodily injury or bodily injury policies. The liability amount should cover both of these areas, but it is important to check that this is indeed the case. It is also important to mention that in the event of an accident or loss, the insured does not admit his responsibility by saying that he admits his fault or that he was wrong in a particular area.

It may seem a bit obvious, but when an accident happens, people often feel quite guilty about their driving, even though they weren’t the cause of the accident or didn’t do anything wrong. evil. People often want to make a bad situation better and sometimes say things to try to do so.

This can be quite dangerous, as admitting liability in the event of an accident may be a violation of a condition of the insurance policy. Although this is a fairly harsh interpretation on the part of the insurance company, it leaves the policyholder open to potential denial of the claim and the insurance company denying liability and voiding its responsibilities to pay any settlement. future.

Car insurance terms and conditions


Given the high rate of accidents that occur each year, it is imperative that anyone driving a car, whether it’s yours or a friend’s, has a car insurance policy, even if it’s the least of all insurance policies available.

Insurance covers the policyholder and in most cases it covers other people who use the car or the driver. However, if the car falls into an accident that is not in the interest of the policyholder, or in violation of the agreement between the policyholder and the insurance company, the insurance policy does not will not cover damages from such an accident.

In the event of the resale of the insured vehicle to another person, the new owner is covered by civil liability insurance as well as by multi-risk automobile insurance (if it exists) within a period of 3 weeks after the change of owner. When there is a new active insurance policy, all insurance deductibles will be paid by the new owner of the car.

Automobile insurance does not cover damage to vehicles in company possession for sale

Depending on the auto insurance policy agreement between you and your insurance company, you may not need to notify them when the terms of the policy agreement change. The consequence of refusing to notify the insurance may be the forfeiture of the indemnity and the indemnity in the event of an accident or the reduction of the indemnity and the indemnity or the forfeiture of the payment of the indemnity and of the indemnity.

Therefore, to avoid the consequences described above, whenever there is a change in policy information, notify your insurance company immediately.

You can purchase the same car insurance from two different insurance companies without terminating the original insurance with the first company, but when an accident occurs, your car insurance policy agreement will apply, which may mean that both companies pay half the cost for the accident each.

Another important thing to note regarding car insurance is the deductibles which are based on the agreement in the car insurance policy. Excesses are only deducted once in the event of an insurance event involving both civil liability and damage under multi-risk motor insurance.

No deductible will apply in situations such as:

1. Damages of a convicted tortfeasor

2. Damage due to fire, explosion, lightning or theft

3. Damage caused by objects falling on the car.

In addition, there will be an additional deductible in the event of damage to the car caused by anyone other than the policyholder or any registered user of the three cars under the car insurance policy.

There are some accidents that your car insurance policy may not cover. Under liability insurance, your domestic auto insurance policy does not cover;

1. Driver injury

2. Damage resulting from the carriage of goods by road under contractual acts

3. Damage to the hitched vehicle

4. Damage occurring at the time of rental of the vehicle, unless it can be proven that the damage resulted from an event in accordance with the automobile insurance policy

5. Damage to objects belonging to the driver, to the policyholder, to any person mentioned in the motor vehicle insurance policy as a regular user.

The following accidents are not covered by comprehensive insurance:

1. Damage resulting from weather conditions

2. Damage car parts during repairs, unless it can be proven that the damage occurred while driving or by fire

3. Damage to the electrician and mechanical parts of the vehicle, unless it can be proven that the damage occurred according to the motor insurance policy

4. Damage resulting from careless driving i.e. overheating or failure to change oil

5. Damage occurring during car rental

6. Damage due to driver drunkenness

7. Damage caused intentionally by network negligence

8. Loss of the car due to seizure of the car by law enforcement

9. Damage under warranty and warranty

10. Damage due to the use of the car such as wear, scratches on the bodywork, etc.

The duration of the car insurance policy is based on the agreement between you and the insurance company. Most car insurance contracts are annual and are renewed each year unless canceled in writing by the policyholder or the insurance company with one month’s notice.

One more article on car insurance


What is auto insurance?

Car insurance is a product that is purchased and can also pay for damage to your vehicle or to the vehicles of others in the event of a car accident or non-accident related injury. Each state has its laws regarding the amount of car insurance each person should have in order to be able to drive legally. Many different factors also influence auto insurance rates. It doesn’t even rely on various companies; it is up to the insurance industry to determine what car insurance is and how much each person will pay for car coverage.

What is auto insurance? This seems to be a very basic question. However, there are many different facets and things to consider in car insurance that can get complicated very quickly if you are not prepared for what you are getting into. You need to know how rates are calculated plus what types of coverage are available, the amount of coverage you need or can get, and which companies offer the best auto insurance for your needs.

What does car insurance cover?

Motor vehicle insurance is used to protect you, as an individual, business, or organization, against financial loss related to a motor vehicle. Financial loss can occur for many reasons, and car insurance can cover your losses in different ways.

Liability for property damage

Property damage liability is coverage against damage that you or someone driving your vehicle with your permission does to someone else’s property. Costs can include the other vehicle, utility poles, fences, buildings, homes, businesses, or almost any type of structure your car comes in contact with.


Collision insurance generally protects your vehicle against damage resulting from an accident with another vehicle, a pothole, a car rollover, etc. of the car by subtracting the deductible and, in many cases, other costs.


Car insurance is a necessity, and this is amply evident from the fact that every state in the United States has made it mandatory to carry car insurance on all vehicles. Most of the time, it seems like a tedious exercise, but why wait until you’re involved in an accident to find out how getting car coverage takes care of your property and you. High medical costs and rising lawsuits make it worth protecting yourself and your precious vehicle with auto insurance.

Additionally, all jurisdictions have mandated the existence of two auto insurance systems – the no-fault system and the tort system. The old type of insurance favor in most states dictates that your insurance company must pay injury claims regardless of who actually caused the accident. The amount payable is up to a specified limit, and if you are involved in an accident, your carrier is liable to pay for the injury. On the other hand, in the Tort system, the aggrieved party will have to bear the medical expenses from his package, then claim it from the guilty driver’s insurer as compensation.

With the number of accidents and thefts occurring widely in the United States, it is essential for every automobile owner to purchase such insurance coverage to secure both the vehicle and its owner should the need arise.

In the United States, if you want to have a car on the road, you must have car insurance. Some states even have coverage minimums where you must have a certain amount of dollar coverage; usually this is called primary coverage.

How to get better car insurance in the USA

Car insurance covers car accidents. The insurance company reimburses the owner for the financial loss in exchange for a small sum of money paid periodically. The amount paid annually is called the premium and the contract you write with the insurance company is called the insurance policy. The insurance company lets you own the policy, and you become the insured.

Car insurance may not be cheap. However, in unforeseen circumstances of loss or damage to your vehicle, compensation will appear as a boon. Periodically shelling out large sums of money to protect your car or company-owned cars can seem expensive. There might be a tendency to try to cut corners by taking advantage of minimum car insurance packages. However, even minor damage to the car costs too much; therefore, a minimum plan may not give you the extended coverage at a time when you need it most.

Types of car insurance in the United States

The most common types of automobile insurance available in the United States are liability insurance, automobile collision and comprehensive insurance, medical payments and bodily injury protection, and uninsured motorist coverage. and underinsured motorists. Most modern companies offer them.

Liability insurance reimburses damage you cause to others and their property. It covers the legal costs involved and the expenses of the victim going to court to claim damages, within the limit of your liability. In the event of an accident, the cost of repairing your car is covered by collision insurance. Comprehensive insurance covers damage caused by incidents other than car accidents, such as acts of God, theft, fire, vandalism and hitting an animal.

In the event that the insured and the co-passenger require medical treatment for bodily injury resulting from an accident, this is covered by the Medical Payments cover. Personal injury protection will cover medical expenses and lost wages by you and the co-passenger if injured in the accident.

Why do you need car insurance

The primary objective of any insurance is to protect the insured and his family against the consequences resulting from injury or unexpected death and the financial burdens in the event of claims. It is a contract between the linked insurance company and you, in which you agree to pay the premium for the losses that the insurance company will have to cover in the event of an accident.

Auto insurance covers these three main areas:

Property Coverage – refers to damage to or theft of your car

Liability Coverage – relates to your legal liabilities to others who may, through loss of property damage, be incapacitated

Medical cover – refers to medical treatment, therapy costs, rehabilitation, loss of ability to work or even funeral costs where there are faculties.

The work of car insurance

Auto insurance also protects you from uninsured drivers or motorists. In this case, uninsured motorists or drivers do not have an insurance company to compensate you for the damages that have occurred, but luckily you still have your insurance company to bear the losses.

Protect the bank that granted the car loan to finance your vehicle. Because in the event of a disaster occurring to your vehicle, no one but the car insurance company will be able to lend you or provide you with extra money to repair the car. Otherwise, you will have to repair the damage to the car yourself, which will prevent you from paying the periodic monthly loan payment on time. The consequences are that the bank will not lend you any more money in the future, with the bad credit score you are in at least for a considerable time.

7 smart tips you can follow to reduce the cost of your car insurance


Depending on the car you buy, your insurance cost may be a little too expensive for you. You can’t avoid it, however. You should always pay the cost of car insurance to ensure that you can cover the highest cost when unexpected events occur, such as accident and theft.

The only thing you can do is reduce the cost of your car insurance, without reducing the quality of your insurance. Here are 7 smart tips you can follow to reduce the cost of your car insurance:

1. Research your car insurance cost

This is the first step you need to do. You cannot accept any offer from an insurance company without thinking twice. Remember that insurance companies compete with each other, and they will always try to offer you the best rates, so you don’t have to turn to another insurance company. So, when an insurance company offers you a good insurance plan for your automobile, first check the rates offered by other companies before deciding to take the premiums. Most likely you will find a better deal there.

2. Use the same insurance company you already use

For example, you own a house and you have already taken premiums from a good insurance company. Then the same company has an auto insurance plan for its customers. It is best for you to take the offer from the same insurance company that you are already using. Why? This is because they usually give discounts to long-term customers. Since you have already purchased home insurance with them, they will likely give you discounts if you decide to purchase auto insurance as well. Otherwise, just try to negotiate, because most of the time they will be willing to make you a special offer.

3. Keep a good driving record

In order for you to get the lowest possible cost for your car insurance plan, you need to show the insurance company that you are a safe driver. This way, you won’t present yourself as a high-risk customer for your car insurance company, and therefore, you’ll get more discounts from them. Thus, it is important for you to maintain a good driving record, as this will prove to the car insurance company that you are a safe driver, with very little risk of an accident. The lower the risk of an accident, the lower the cost of your insurance premium will be.

4. Keep your car safe

It is also important for you to protect your car because most of the time insurance companies will cover the cost of your car in case of theft. Thus, you don’t want to present your car as a high-risk premium for your insurance company. It will also depend on the make and model of your car, as the more expensive the car, the more it will cost you to pay the premium. You need to protect your car by installing an alarm or anti-theft system for your car. This way, you will present a lower risk to your insurance company and, therefore, you will get a lower premium cost.

5. Try to get discounts for your car insurance

If you can get a significant discount on your insurance premiums, then don’t hesitate to accept the offer. There are always plenty of discounts offered by many car insurance companies around you as they compete to win the hearts of their customers. So always take a look at the possible discount you can get, especially as a new customer. You can research various insurance companies online and compare their prices before starting your premiums.

6. Keep your insurance information up to date

It is important that you keep the information you have on file up to date. You don’t want your car insurance company to keep your old information because it will make it difficult for you when you need to claim your car insurance later. It will also significantly lower your cost of insurance if you qualify. For example, premium costs for customers who live in the big city will be different from those who live in a small town. So if you are moving from a big city to a small town, be sure to update your information immediately. Chances are you’ll be eligible for a discount on your premium charges.

7. Factor the cost of car insurance into the cost of owning your car

Before buying a car, you must remember that the cost of the car is not all you have to pay. You should also include the cost of car insurance, as sooner or later it will inevitably be included in the cost of buying your car. Thus, before buying a car, calculate the total cost that you will have to pay, taking into account the cost of auto insurance in your purchase. So you won’t be shocked when it’s time for you to pay your monthly car insurance premiums.

Six secrets insurance companies don’t want accident victims to know


The secret : Rigid legal deadlines can prevent a victim from going to court. Insurance companies rely on these time limits, called limitation periods. Failure to act in a timely manner can be a complete impediment to your right to obtain compensation for injuries sustained as a result of the negligent actions of others. In California, negligence claims against private entities must be filed in court within 2 years of the date of discovery of the injury.

A special claim must be filed against government entities within 180 days, otherwise the victim may even be barred from taking legal action. There are many entities, such as hospitals and recreational facilities, that may not appear to be associated with government. However, if owned or operated by a government entity, a victim only has 180 days from the date of injury to file a claim.

Secret Two: Immediately after the insurance company has been contacted about an accident, they will appoint an experienced claims adjuster to investigate the accident and collect evidence that will provide the insurance company with grounds to dispute your claim and minimize your financial damage.

Secret Three: If you have been injured by an uninsured motorist, your own insurance company will be your opponent even if your policy requires you to cooperate with the insurance company.

Four Secrets: Many auto insurance companies now use the Colossus computer program to assess accident victim claims. Colossus is software used by insurance companies to help predict the settlement value of injury claims. According to the program’s developer, Computer Science Corporation, it is used by more than 50% of the nation’s adjusters and more than 300 insurance companies. Of the top 20 US P&C insurers, 13 use Colossus. Colossus is kept secret by the insurance companies that use it; the expert will not tell you if the company uses the software.

The insurance industry argues that it is a useful tool. Personal injury lawyers know that software favors insurance companies. First, the values ​​we receive are by definition a function of the input data. You never know what data the fitter has entered. In addition, the program does not take into account subjective elements of the case that are impossible to quantify, such as interference with normal life activities resulting from injury. At trial, these indices of pain and suffering are proven by the depositions of injured parties and witnesses. Can’t a computer program quantify emotional distress or loss of enjoyment of life? A Colossus appraisal is an inaccurate appraisal because it attempts to reduce a victim’s injuries to a monetary value based only on certain facts, which do not reflect the totality of the victim’s condition or accidental events.

In a trial, a jury determines the value of a claim, and juries listen to and consider many factors that Colossus ignores. Colossus has no way of evaluating subjective elements that may increase the jury prize. Each victim is just a compilation of numbers in the Colossus program. Hardly different from thousands of other seekers.

Experienced personal injury attorneys know how Colossus works and how to get the best settlements when working with insurance companies that use the program. The key is to make sure adjusters understand that you, the victim, are an individual, not a number, and that your accident is unique, not one of thousands of identical events. Experts must trust that your lawyer will take the case to court if necessary. Seriously preparing for the trial is the best way to ensure the best settlements.

Five Secrets: Insurance companies have enormous legal advantages over the average person: great wealth, thousands of qualified adjusters, sharp lawyers and experts, and more than 20 legal defenses that they use to minimize or deny compensation for the victim. Insurance companies are profit-oriented companies. The goal is to earn money. Insurance companies do everything they can to minimize reimbursements.

Six Secrets: Insurance companies don’t want you to hire a lawyer. The reason is simple. With the exception of minor cases, victims systematically receive more compensation when they are represented by a lawyer. Auto insurance giant Allstate’s own documents show that accident victims who retained an attorney received 2-3 times more than victims who were unrepresented.

Car insurance details


There are so many advantages of having an insurance policy, one of them is that it gives peace of mind in the occurrence of an unexpected and unforeseen event and also a helping hand for the many expenses often involved after an incident.

Agreement between you and the company

A car insurance policy protects you against losses in the event of an accident or theft of your car. This is an agreement between you and the company. You pay a premium while the company, in turn, agrees to pay your losses as stipulated in your policy up to a certain specified limit. This provides property, medical and liability coverage in the event of a claim.

Property coverage covers damage to or theft of your car, and medical expenses cover payments for treatment of injuries. Many extended insurance policies will also pay for rehabilitation and funeral expenses. Automobile liability insurance covers you in the event of an accident for which you are deemed responsible. Almost all states require you to carry minimum amounts of liability insurance, but not all of the different options, such as comprehensive insurance.

Assessment of your risk

The fundamental benefit of having insurance is the financial peace of mind gained through the policy. This benefit varies depending on the type of policy you purchase. Many companies assess your level of risk before entering into a contract with you. They calculate the possibility of accidents while driving, the number of driving hours, etc.

This eventually causes them to group you into a low-risk or high-risk group, which in turn will largely determine your rates. The main difference between these groups is simply the perceived risk. Those with low risk are said to be eligible for standard insurance while those with higher risk are considered non-standard drivers and will pay more.

Standard coverage is designed for low-risk policyholders

These policies have little or no difference from each other, in terms of policy price and extent of their coverage. This policy has specific determining factors for coverage. For example, the auto insurance policy only covers drivers with a clean driving record who have no traffic violations, accidents, and filed insurance claims. A standard policy has more restrictions and is regulated by the state where they are issued.

Today, many drivers are considered high or non-standard risk by most insurance companies. The number of drivers who have fallen into this category has increased over the past decade. Drivers who are classified in this category based on their driving records, age, experience, credit history, driving records, hours of driving and other factors are repeatedly denied covered by some insurance companies.

Fall into the non-standard category

In some cases, lower coverage options are offered to non-standard drivers and at very expensive rates. The conductors fall into the non-standard category mainly because of their driving record. This includes people whose license has been revoked or suspended within the past two years and those who have excessively violated traffic or who have been arrested and convicted of driving under the influence (DUI) or driving under the influence. intoxicated (DWI). Older people, new drivers and teenagers are also considered atypical drivers.

There is a wide range of cover for non-standard drivers, so you can find a policy to suit your needs, whatever the situation. If you’ve been labeled a high-risk or atypical driver, it’s likely because of your age, level of experience, driving record, and other factors. Don’t be discouraged, you still have many options for car insurance. Countless drivers of all categories find the insurance policy that’s right for them with affordable pricing, coverage options and unbeatable customer service.

From time to time, these special insurers are able to offer a much more competitive price. Some large, well-known insurance companies own smaller, non-standard companies and, through their agents, offer direct pricing that will save you more.