Making a claim with your auto insurance company can be a little intimidating at first. Although, once you know the steps involved, you will be on your way to getting your vehicle repaired. If you have been involved in an accident, or if there is damage to your automobile from a storm, you will want to get the auto claim process started.

The first thing you will need to do is contact your Lakewood, Colorado insurance agent. He will ask you for details about the accident and about the damage. If there is another party involved, your agent will also ask you for their name, address and insurance information. Depending on the type of coverage you have, you may be able to request a rental vehicle immediately. People who drive their cars to and from work do not have time to be without a reliable vehicle. The next step is to obtain quotes for the damage to your car. If you have full coverage, you should be able to get the repairs made quickly. Once your deductible is met, your insurance company will pay for the repairs or if the car is a total loss, will give money for what your car is worth. If your vehicle is not paid off, that money will go to your lender to take care of the outstanding balance on your loan.

If you own an automobile in Lakewood, you need to make sure you have excellent auto insurance. You never know when the time will come that you may need to file a claim. You can find affordable premiums on car insurance by comparing quotes with several companies. An independent agent can check out the rates for several different types of insurance and give you a quote for the best deal.

When you have been in an accident in Lakewood — or anywhere in Colorado, in fact — there are some essential things that you need to know. An accident, especially an accident that is your fault, must be taken very seriously and you need to conduct yourself properly from the moment of impact. Don’t panic: Your insurance coverage and your insurance agent are there to back you up! However, you should make this entire process as easy as possible for yourself and everyone involved by taking the right actions post-accident.

What You Need To Know When You Caused The Accident

The number one thing that you need to be aware of after your Colorado accident is that you should never discuss your guilt or innocence with anyone immediately. Even if you feel certain that the accident is your fault, you need to keep that information to yourself initially. In most accidents, there are multiple contributing factors. For example, the other driver may have contributed to the accident, there may have been road conditions that contributed, perhaps weather conditions were partially responsible, or even a malfunction in your vehicle or another person’s vehicle could have contributed. These are all factors that you can’t be aware of immediately after the accident. You need to wait until the authorities discover factors that could have contributed to the accident because they are the ones who will assign guilt here, it is not your job to do so. Do not discuss the accident with other involved drivers in any way, and wait until the police arrive to produce your insurance information. Give your insurance coverage information only to the police.

You need to contact your insurance coverage provider as soon as possible. Your insurance agent is your best friend during this difficult time, so it is important that you are as forthcoming as you can possibly be. Your agent will help to file claims, to deal with the other people involved, and to handle any problems arising from the accident.

Accidents are the time when insurance agents truly shine, so allow your insurance provider to help you through this!

Parking lots are surprisingly dangerous places for drivers, with the busiest of lots the scene of frequent accidents. And accidents in parking lots will cause your car insurance rates to rise just as much as will accidents on busy highways or side streets. Fortunately, preventing accidents in a parking lot requires little more than normal safe-driving habits.

As any resident of Lakewood knows, the area’s shopping malls, lifestyle centers and strip malls become busy places on weekends, holidays and after normal working hours. This is good for merchants. It’s not so good for motorists trying to navigate the sometimes confusuing parking lots outside Lakewood shops.

Parking lots are notorious for blind spots. It can be difficult for motorists to get a clear view of their surroundings when their parked car is surrounded by mini-vans and SUVs. Parking lots are also often home to confused pedestrians who can’t remember where they parked. These pedestrians often forget to focus on the other vehicles in the lot as they chat on their cell phones or search fruitlessly for their own cars.

Add to this the generally crowded condition of parking lots throughout Colorado and you a recipe for a high number of fedner benders or worse.

The best method of preventing accidents in a parking lot? First, drive slowly, at all times, when you are navigating a parking lot. Parking lots have many hidden corners from which other motorists can come. Secondly, make sure to back out of any parking space very slowly and cautiously. This way you’ll have enough time to react should a pedestrian or car get too close.

And finally, never talk on your phone while drivnig through a parking lot. You need to be fully aware of your surroundings, and you can’t be that if you’re sharing the highlights of your day with your spouse or sister.

There are several ways to lower car insurance cost in Lakewood, Colorado if you are a single parent. Economic times are hard for everyone, and if you are supporting yourself and your children alone, you need to save every penny. One of the best ways to save money on car insurance is to compare quotes from several providers. Even if you have been with the same company for a long time, saving money on the same amount of coverage, is worth the time to compare rates.

Once you have started shopping around for different car insurance, ask your local agent about discounts and ways to save money. Sometimes you can save hundreds of dollars per year by raising your deductible. As a single parent, you may wonder if you can afford more out of pocket expense if you are involved in an accident. The best way to make sure you can afford a higher deductible is to put some of your savings into an account for emergencies. This way you will not have to worry about meeting your deductible and you can still find a lower car insurance cost.

Another option for saving money on car insurance in Colorado is to drop full comprehensive coverage and go with a basic liability insurance plan. As a single parent, you may be driving an older car and you do not really need full coverage. Since the insurance company will only pay you the amount your car is worth, you may be able to save a lot of money by going with liability auto insurance. Once you have started comparing rates will several top insurance providers, you will have a better idea about the discounts available and ways to save money. Ask your local independent insurance agent in Lakewood, CO today.

No one wants to be the victim of a hit and run accident, but if you are, your comprehensive coverage will take care of the damage. When living in Lakewood Colorado, there is always a chance that your vehicle could be hit while parked in the street or at the shopping mall. If this happens, it may be unlikely that someone will leave a note with his insurance information. If this is the case, you would need to file a claim under your own insurance policy.

Although filing a claim with your own insurance is an option, you will also need to keep in mind that your rates could increase and you may loose your discount for never having to file a claim. It is unfortunate when your car is damage and the responsible party does not own up to the damages, but you do not want to make things worse by filing a claim and then paying more for your insurance coverage. It will depend on the amount of damage that was done to your vehicle when deciding whether to file a claim. If it is just a little dent or scratch, you may be better off buffing it out yourself. Although, if there was major damage, you will probably need to file a claim.

You should always compare quotes for automobile insurance in Lakewood Colorado. You never want to spend too much money on this type of protection. When you are speaking with an independent agent, ask him to compare rates from the leading insurance companies and find you the best deal. If your rates are low, at least you will know you are getting great insurance protection to take care of your vehicle even if it is involved in a hit and run accident.

Driving on the coast in the United States can be a breathtaking experience with the ocean in the backdrop. However, the risks are high for local residence who reside near the beach. Your automobile needs to be protected with the right insurance coverage. A knowledgeable agent who knows the coastal guidelines for insurance can assist with providing the satisfaction that you are prepared in case a disaster takes place. They will know how to shop around for the best price without breaking the bank. Hurricanes, floods, earthquakes, and other natural disasters can auto insurance to be expensive.

Every state will have coastal guidelines for auto insurance. In California, earthquakes will be more prevalent. Hurricanes seem to strike more frequently between the Texas and Florida. Understand the potential hazards of your region. You never need to assume that you are covered unless it is listed in the contract. One word in the contract may determine if you are covered at all. If you park your vehicle in a garage, the cost of the premium may be reduced. Keeping your vehicle on higher ground that is a good distance away from the beach can save you money. Regardless, your vehicle will have to be inspected before a carrier will insure it. Your local insurance agent can help you make sure that you are following simple coastal guidelines. Contact us for a free quote, today!

Most states demand citizens to purchase auto insurance if they are going to legally drive. Regardless of the minimum requirement, it may not be enough to protect them. One of the mistakes people make is to not ask the question, "How much car insurance do I need?"

Raise your deductible to get a lower monthly payment instead of purchasing cheaper auto insurance. Auto insurance offers a variety of products that perform different purposes. The best rule of thumb is to be covered against liability for the full amount of your assets.

Liability covers the other vehicle. Your passengers are covered with a Bodily Injury policy. Personal Injury covers those who are riding in your vehicle. Property Damage Liability covers the other persons car. Answer the question, "How much car insurance do I need." . Policies like the ones mentioned do not cover your personal property. You need to determine how much you are willing to cover out of pocket and the amount of insurance you will need to replace your personal property that has been damaged. Keep in mind, your health insurance should be responsible to cover your medical expenses when you are at fault in the accident. For a complete analysis of your insurance, you will want more assistance to determine how much liability insurance you need, contact us for a free quote today.

Colorado, like all other U.S. states, has auto insurance laws designed to protect drivers financially when collisions cause property damage and bodily injury. In Colorado, you must have at least $15,000 of coverage for property damage that you are responsible for causing. Additionally, you must have at least $50,000 in total accident bodily injury liability, with up to $25,000 available per person injured.

In addition to having coverage, you must carry proof of your Colorado insurance coverage with you at all times while operating a vehicle. If you are caught driving without the minimum insurance requirements, the State of Colorado can fine you $500 for a first offense or $1,000 for a second offense. You may also have your driving rights temporarily suspended.

Purchasing Colorado Auto Insurance

It is important to remember, however, that Colorado minimum coverage laws should be used as a starting point for determining how much coverage you really need. Just because you have enough insurance to legally operate a vehicle, it does not mean that you are fully financially protected in the event of an accident. You should have enough liability coverage to protect you from out-of-pocket costs that exceed your insurance coverage limits, as well as enough auto coverage to pay for repairs to your own vehicle and for your own medical expenses incurred in an accident.

When do I need comprehensive insurance for a car that has high mileage? Vehicles with high mileage do not hold their value unless it is a classic automobile. However, there are features that you can add to your policy to cover a broken windshield, offer free towing, add hospitalization coverage, and provide a rental car to your policy. This is a good deal and will not cost as much as full comprehensive insurance.

Should I only purchase liability auto insurance for a car that has high mileage? If that is all that you can afford, it is a good deal that will keep you within the boundaries of the law. If you are still making payments on the automobile, the bank may require you to carry comprehensive insurance with a rider that protects their interest in the vehicle. However, if you own the title and do not care what happens to the vehicle. Get liability because of the high mileage! However, be willing to pay the tow bill and other services that are related to the crash. Then, you can start looking for an auto loan and get that newer vehicle. When you need advice on buying a vehicle with high mileage, contact us for a free automobile insurance quote.

Thousands of people drive each day on the road who are high risk drivers. No insurance carrier wants to sell someone who meets the criteria of a person who is careless behind the wheel. When should I buy vehicle insurance because it is the cheapest? Companies are popping up like mushrooms all across the nation to reach this market. Only purchase cheap automobile insurance when it is difficult to find someone to insure you. It is cheap auto insurance because it meets to the minimum requirements required by the state.

Cheap auto insurance does not cover a lot of the basic benefits of other policies. If you ever get hit by someone who has cheap insurance, they probably will not have enough coverage in their policy against your loss. Should I buy vehicle insurance because it is the cheapest? It is not a good deal for all involved. In fact, you may want to purchase a higher benefit package from another carrier in case you have more loss than what you can recover. If low rates are a concern for your budget, you do not have to sacrifice good quality coverage. Think of your family when you purchase insurance and not your budet first. We can assist you with the best automobile insurance for you at low rates, get a free quote today!