Collision Insurance and Comprehensive Insurance Explained #collision #insurance, #comprehensive #insurance, #comprehensive #coverage,


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Optional Automobile Insurance

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident, when you are at fault . A standard collision automobile insurance policy will pay for any repairs up to the fair market value of your car.

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It is important to remember that this value can be significantly lower than the cost of replacing your vehicle (or your loan balance.) If your car is financed or leased, you will need gap insurance to reimburse you for the difference between what you owe and what the car is worth.

Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision policy will cost .

Collision insurance coverage is not required by law in any state. However, if you’re driving a car purchased from a dealership or financed through a lender, you may be required by the dealership or lender to carry collision insurance. (And just to be sure, you should get gap insurance. )

Comprehensive Automobile Insurance

Comprehensive is very similar to collision insurance, the main difference being that comprehensive covers damage caused to your vehicle caused by any unknown party or act of God .

Vandalism, flood, hurricane, theft, and fire are all events usually covered by comprehensive automobile insurance. (But make sure to read your comprehensive insurance policy for exact coverage details.)

Like collision automobile insurance, comprehensive coverage will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Hot tip: Your collision and comprehensive automobile insurance policies are two places where it can be pretty easy to cut costs. Read our guide to choosing car insurance for money saving strategies!

Get up to ten fast free quotes from ComparisonMarket or try Netquote for local agents.

Automobile Insurance Endorsements

Automobile insurance endorsement is just a fancy term for any of those policy extras like towing insurance, auto glass insurance, daily rental insurance, and emergency roadside insurance.

These policies are never required by any state, but many drivers value the security and convenience they provide.

Here’s what you get for your money:

auto towing insurance pays for (you guessed it) towing your car anytime you need it

auto glass insurance gives you a lower deductible (or no deductible) when it comes to repairing any broken window on your car.

daily rental insurance covers the cost of a rental car while your car is being repaired because of a covered event. (So you’ll usually need both comprehensive and collision insurance to qualify.)

emergency roadside assistance covers repairs done on the spot. Changing a flat roadside may be covered, but you’ll have to pay for any repairs at the garage. This policy is often combined with auto towing coverage, and called roadside emergency towing insurance .

In some states, medical payments coverage and uninsured/ underinsured motorists coverages are voluntary coverages. In others, they’re mandatory. Find your state requirements here .

Want to learn even more?

Take our quick auto insurance course. and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.


Arizona Personal Injury Attorneys #personal #injury #lawyer, #injury #lawyer, #accident #lawyer, #accident


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Zanes Law

Tucson Phoenix Personal Injury Lawyers

The Zanes Law injury lawyers have helped clients recover tens of millions of dollars on their personal injury claims. Over the years, we have helped thousands of clients on everything from normal everyday car accident claims to extremely complex wrongful death claims. We take an aggressive approach to how we represent our clients because we care deeply about them and understand that we are here to fight for them. Our personal injury lawyers are some of the best in Arizona and have helped clients on a variety of injury cases, which include car accidents, truck accidents, bicycle accidents, motorcycle accidents, wrongful death claims, and more. We are personal injury attorneys and car accident lawyers with years of experience.

SERVING TUCSON, PHOENIX MORE

We are an Arizona personal injury law firm with offices in Tucson and Phoenix, but we help clients nationally. So regardless of your location, we can help you on your personal injury or car accident case. Our Tucson and Phoenix personal injury lawyers are here to help you, regardless of where you live.

TUCSON PHOENIX CAR ACCIDENT LAWYERS

If you drive a car, unfortunately sooner or later you will be involved in a car accident. At least that is what the statistics show. If and when that happens, Please call a Zanes Law Phoenix car accident lawyer or Tucson personal injury attorney so that we can help you. This is important. It is important that you have a Phoenix personal injury attorney or a Tucson car accident lawyer who has the experience to get you the compensation that you deserve. Hiring the right personal injury lawyer will help to ensure that you get the highest compensation possible. Although there are many car accident law firms and personal injury lawyers to choose from, it is the Arizona car accident lawyers at Zanes Law who have a proven track record of success. Our personal injury lawyers strive to provide our clients with the best possible representation and our car accident lawyers have successfully helped thousands of clients.

4 WAYS WE CAN HELP YOU AFTER YOUR ACCIDENT

The attorneys at Zanes Law have helped thousands of injured people make smarter, more confident legal decisions so that they are made whole after an accident. Today it’s your turn.

Do you have questions or concerns about health insruance, providers, and covering medical costs?

Medical Bills

Medical bills caused by an auto accident are a cost that should be covered by your injury settlement. If you have health insurance, you should present your insurance card to all medical providers so they will bill your health insurance. If you do not have health insurance, you will need to find a medical provider that will treat you on a lien. This is something that Zanes Law can help you with.

*Treating on a lien: This means that you will not be charged any up-front costs for treatment and the provider will be compensated upon your settlement. This provider would require payment for their services before you receive your proceeds from the claim.

Property Damage Insurance

Car rentals: If you have rental car coverage through your insurance carrier, you should request your car rental through them. It’s usually an easy process and your insurance will be reimbursed if liability is accepted by the adverse party. When you do not have rental coverage, you will have to wait until liability is established with the other driver’s insurance.

Property damage: Open a property damage claim with your insurance company (even if the accident is not your fault). If you have collision coverage on your insurance, your insurance company will fix your car and will work with the other car’s insurance to ensure they cover the costs. Please note, you may be required to pay your deductible up-front if liability has not yet been established. Once it is, your insurance company will be able to get your deductible back and reimburse you. Click here for information about property damage after a car accident.

Bodily injury: Injury claims are completely different than property damage claims. If you are injured due to a car accident, we recommend you consult with a personal injury lawyer or accident lawyer to open your bodily injury claim for you. If you were injured in the accident, you need to seek medical care immediately and you need to speak with a personal injury attorney as soon as possible. If you are injured and choose to speak with the insurance adjuster on your own, you must make it clear to the adjuster that you are in fact injured. However, our advice is that you seek the assistance of a personal injury attorney and that you limit the conversations that you have with the insurance adjuster. Let your personal injury attorney handle all of these conversations on your behalf.

Lost Wages Compensation

Lost wages: If your accident has caused you to miss time from work, you are entitled to some type of compensation through your injury claim. You should document all time you took off and keep all doctor’s notes that justify your time off.

Pain and Suffering: This is a term used in the legal industry that refers to emotional and physical stress, as well as the actual physical pain, caused by a car accident. Injury victims are entitled to compensation for pain and suffering.

Overall compensation: Settlement amounts are directly correlated to the facts of a particular case. Some factors that determine a settlement amount are: types of injuries sustained, how long the individual sought medical treatment, total amount of medical bills, future medical bills, and many other factors. We recommend that you contact the personal injury attorneys at Zanes Law in order to find out what the actual value of your claim is.

Everything

Bills, property damage, medical treatment, insurance, lost wages, and compensation.

If all of the above are concerning you right now, we recommend you speak to a personal injury attorney to answer your specific questions. Yes, a personal injury attorney. Not a general attorney who practices all case types. A personal injury attorney works on these cases all day, everyday and is more experienced when it comes to injury claims. An accident attorney can assist with motorcycle accidents, trucking accidents, construction accidents, premise accidents, bicycle accidents, mass torts, burn injury and class action lawsuits to name a few.

Arizona Law Offices

4222 E. Thomas Rd. #230
Phoenix, Arizona 85018
United States
Phone: 602.999.9999
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Colorado Springs Auto Body #auto #collision, #collision #shops, #body #shops, #auto #paint


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BumperDoc Colorado Springs

**Scam Alert** There are two men posing as BumperDoc owner and or employees approaching people in parking lots offering mobile bumper and body repair services. This is a scam. BumperDoc does not offer mobile servies. If approached please do not accept their offers and if you can, report them to local police. The police have been notified and are investigating. **Scam Alert**

Meet the Owners: Art Arte

We know that our most important asset is our people – they are what make BumperDoc a positive place to be, and know that maintaining our integrity, professionalism, and dedication to service will keep us on the right path into the future.

Our sales and management staff is dedicated and skilled at helping you understand all your options when your vehicle has been involved in an accident. Our technicians are expertly trained in their craft, be it auto body, painting, clear bra /

tint installation, paintless dent repair, or giving your car an expert interior or exterior detail. We are grateful to have such an excellent and hardworking team!

We are excited to be apart of this unique business model in Colorado Springs. We pride ourselves in excellent customer service and love to see the smile on our customer’s faces when we deliver their vehicles. All our auto body

and bumper repairs come with a lifetime paint warranty backed by our partner Sikkens. We fully Guarantee our workmanship and hope to earn your business for years to come.

Bumper Doc Tech Session

BumperDoc Colorado Springs would like to thank the Z Car Club of Colorado for making our first Tech Session a huge success!

The event was held on May 31st, 2014 and we had well over fifteen Nissan Z’s on hand, some members even made the 45 mile drive over from Denver! If you are interested in hosting your car club event at a BumperDoc please feel free to contact us via the contact page on our site.

For more information give us a call!