Auto Insurance Coverage - Cliams
Auto Insurance coverage is there to allow you to have financial security if you find yourself in a collision or other auto accident. Most drivers will have to file a claim sometime in their life. However, in addition to offering you protection you need to also understand that your insurance provider is also trying to minimize their expenses.
Some unsavory insurance providers will drag their feet and take an inconsiderable time in processing your claim. One of the reasons that they do this is to hopefully decrease your claim settlement because you may not be able to wait to get expenses paid.The insurance adjuster may try and negotiate a lower payment on your claim. Since insurance policies and providers can be so daunting it may tempt you to hire an attorney. In the long run this will just increase your costs and slow down the processing of your claim.
Your claim cost will be relatively low if you were in a minor accident. If this is the case then hiring an attorney may be almost as much as you would receive for your claim.Since insurance adjusters know how expensive it will be for you to hire an attorney they may offer you a "take it or leave it" offer. This will usually be the claim amount less the average cost of hiring an attorney. These offers will save the insurance provider a lot of money by bypassing the trial process.Money is the main issue for the insurance adjuster. You being properly compensated and treated fairly are not going to be his priority.
To help make sure that you are protected in the time of need it is important that you have your auto insurance coverage with an honest and financially stable insurance provider. If you use an insurance broker to purchase your policy, they will be able to help you obtain coverage with such a provider.