Car wreck Archives - Page 2 of 2 - Wise Insurance Group

Car Insurance Claim and Third Party Parts

I received a call from a client last year. She’d been in an accident and like most people I’ve worked with, wanted to know what to do. I confirmed she was not physically hurt, we reviewed what had happened, provided her with her car insurance policy number and the phone number for claims, then outlined a plan on how to best proceed. She drives a Lexus RX series so she had the car delivered to the shop of her choice which she gets to do according to Texas state law.

The Impact a Claim has on your Car Insurance

“Will a claim cause my car insurance rate to increase? “ This is one of the most frequently asked questions I hear when talking with a client about an accident. The short answer is yes. I don’t always know how much of an impact an insurance claim will have on any person’s specific renewal premium, but claims do have an impact on their rate.

Dealership Totals Your Car: Whose Insurance Claim is it?

John Hooper’s story hit the internet last week. He was the proud owner of a 580 horse power 2012 Chevrolet Camaro ZL1. John took his Camaro to the local dealership, First State Chevy in Georgetown, Delaware, for warranty work on an issue with the car’s paint. One of the dealership’s employees took his car for an unauthorized joy ride on a Sunday in December when the dealer was closed.

Hit by Someone with no Car Insurance?

I got a call from a client on the Friday after Thanksgiving. He’d been hit on Central Expressway in Dallas after some Black Friday shopping by someone with no car insurance. The person who hit him was driving a pickup truck that rear ended him and then did some damage along the side of his car when he took off. He wanted to know what to do.

7 Insurance Don’ts

The Dallas Morning News published an article in February 2010 of insurance don’ts that I filed away because it’s worthy of being repeated. This list applies to both car and home insurance claims, so let’s take a look at 7 things to avoid doing.

The Insurance Claim Letter

Several months ago, a friend of mine called. Tom, not his real name, and his buddy had traveled to San Antonio for a guy’s trip a couple of weekends earlier. Tom drove through a construction zone where there was a lane shift followed by a traffic light. Based on the location of the light, he mistakenly thought he was supposed to stop about 40 yards away. He ended up passing through the intersection and was struck by a car that had a green light. It was his fault.

What to do if You’re in a Car Accident

My youngest son, Jonathan, and his girlfriend, Olivia, were driving in the Lake Highlands areas of Dallas two weeks ago. The rain was coming down in sheets when they approached an intersection. Coming from the opposite direction, was a Jeep being driven by a high school student. He did not see Olivia and Jonathan and made an unprotected left turn in front of them. Olivia slammed on her brakes which kept her from hitting the Jeep head on or along the driver’s side. She was unable to miss the back corner and ripped his bumper off while wrinkling the hood and passenger front fender of her car. The good news is no one was hurt!

Can you get car insurance after the fact?

Early in my career, I got a phone call from a person who wanted to buy insurance. She was a little distraught at the time so I took a few moments to help her slow down and breathe. Once she took a deep breath I began to get the information I needed to provide her with a quote for insurance.

The last piece of information she provided was that she’d just been in an accident, was calling me from the scene, and would the policy we were discussing cover the damage to the other person’s car and hers?

What you need to know about car insurance deductibles

Deductibles are the amount of money a person pays out of pocket when they file a claim. In the case of car insurance, there can

Tag: Car wreck

Car Insurance Claim and Third Party Parts

The Impact a Claim has on your Car Insurance

Dealership Totals Your Car: Whose Insurance Claim is it?

Hit by Someone with no Car Insurance?

7 Insurance Don’ts

The Insurance Claim Letter

What to do if You’re in a Car Accident

Can you get car insurance after the fact?

What you need to know about car insurance deductibles

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