Did your Car Get Damaged by Towing?

You may be wondering what to do if your car was damaged by towing. Depending on the extent of the damage, and whether you can prove when the damage occurred, you may be able to file a claim with either your insurance company or the towing company directly. You will also need to go check on your deductible and see if filing a claim will actually benefit you or if the damages are less than the deductible.

Before you have your car towed, you need to take pictures or video of the vehicle in-case there is car damage after the towing has occurred. Sometimes the towing company will take their own pictures and document any damage to the vehicle to protect their own liability. Unfortunately, sometimes disasters occur and your car may be damaged. If the towing company acknowledges fault, you should be able to make a claim directly with the company. If they do not want to pay, you will need to file a claim with your insurance provider. This is usually considered part of your collision coverage, but you will need to check your policy to make sure you can file a claim. If you do not have the patience to deal with the towing company, you may be able to file a claim with your insurance company and they will work with the towing company for you.

If you do not know what to do when there is car damage with towing, it is probably best to talk with your insurance carrier. Remember when you are shopping around for auto insurance rates, if you want to be covered for this type of damage, you will need collision insurance. By comparing quotes with several providers, you can find a premium you can afford to pay that will also give you the coverage you need.

Things to Consider When Insuring an Older Car

Consider ThemPeople everywhere have wondered if they have too much insurance on their older car. They wonder what coverages can be lowered without changing effective coverage to poor coverage. There are two types of coverages that make up an auto policy. The first is liability coverage, which is used to cover injuries to other people in the event of an at-fault accident. The second is comprehensive coverage, which pays for damages to the policy holder’s car in the event of an accident or damage caused by natural perils.

Comprehensive coverage is something to think about. This coverage is what covers the auto in case of damage from a stationary peril. If the auto is older it is most likely suffering from damage brought on by age. When a car ages, most people will often not care what the car looks like because the value often decreases over time. However, there are some cars that are older that are still in pristine condition and are still worth high amounts of money. Value is the thing to consider.

A second coverage to consider is the collision coverage, which is what covers the auto in case it hits something. Value of the car is an important thing to consider here as well. If the car is only worth $200 then it might be worth not carrying this coverage.

Another thing to think about is how often damage occurs to the car. Damage brought on to a stationary car by collision perils are more likely to occur than collision while in motion. It is possible to only carry comprehensive coverage and not collision. So if you wanted one coverage and not the other, it is possible to drop the undesired coverage.