Articles by Randell

After your car gets flooded there are questions you have to ask yourself. Does your car insurance cover flood damage? Is your car repairable or even worth fixing? What should you do?

Your car is covered for damages caused by flood only if you have a comprehensive car insurance which basically takes care of everything that happens to your car aside from collision damages.

Remember that when flood water gets to your car, you can still have it repaired and fixed but you will have major issues when it comes to the electrical and odors you cannot imagine on the carpets and seats. You also have to see if the car is worth repairing and where you are at on your car loan.

If your car gets flooded here are some things you need to do:

1. Never start a flooded car until it has been inspected and cleaned.
2. Dry the vehicle as much as possible to decrease the time that the parts of the car are soaked in water.
3. Call your insurance company and report that your car has been flooded.
4. Take note of the highest level of flood water on your car . This may help the technician in assessing the condition of your vehicle.
5. Contact your mechanic and schedule your car to be checked.
6. Replace all the fluids, filters, and gaskets that have been exposed to flood waters.
7. Have a technician inspect all the electrical components of your car.

You might be reading car insurance articles telling you that insurance claims can go very smoothly. That is true if you live in a really perfect world. That is not the case when you meet an accident on the road and there are some scenarios which just might bring in a loop.

Car insurance scenario #1

You are driving on a slippery road and smashed into the guardrail ending up with damages to your own vehicle.

Here is what you need to do. Although it is a one-car road mishap, you need to file a police report which will serve as documentation of the incident.  It will be best to call the cops while you are still in the scene of the accident. Advise your insurer and start a claim to cover the expenses for the damage. This single mishap will not cause you higher premiums especially if you did not cause the accident. Be wary though if you had several claims in the past years. You might also be tagged with a higher premium in case you drove carelessly.

Car insurance scenario # 2

Your car is rear-ended at a stop sign. Other driver is at fault but the other party does not file a claim to his auto insurance company.

Aside from exchanging important information with the other driver make sure that you get the phone number for his insurance company. This will allow you to follow up in case the driver at fault does not take action.

Car insurance scenario #3

Your car is hit by someone who has no insurance and you do not have a coverage for uninsured drivers.

The option is pretty limited in this scenario. You can use your own auto insurance but you can ask the other driver to reimburse the expenses. In case you are injured, you can sue the driver so your medical bills will be covered.

Buying an auto insurance can be a tedious process. Some just really don’t have the patience for it so either they end up getting an expensive deal or just getting a waste-of-money car insurance.

Unlike before when you have to do phone calls or hop from one office to another, we have information on the tips of our fingers because of the internet.

A lot of people now are very comfortable shopping for goods online, and this also involves getting information for potential auto insurance companies. Here are some benefits of shopping and buying your auto insurance online:

Easier

You can do the searching and the shopping for your auto insurance from the comforts of your own home or office while having a glass of your favorite wine. With just a few clicks and you will have the information that you need. Unlike before where you have to fall in line or go from one block to another just to get auto insurance quotes.

Faster

The information that you input from your end of the internet is received instantly by the system of the auto insurance. In a few seconds, auto insurance companies can give you an accurate car insurance quote

Comprehensive

You can get multiple auto insurance quotes in one sitting from the internet. Comparing the features of the different insurance coverage will not be a problem.