is there anything I can do about making payments on a car that was totaled and NOT covered by Insurance ?
My car was totaled by an excluded driver, Ins. Co. won’t pay. We are still liable for our monthly car payment, does anyone know anything we can do? Don’t want to get bad credit rating, and already talked to 3 lawyers about Ins. Co., Looks like we’re screwed!! please help!!
Since you were in violation of your policy and your claim denied because of this, you really don’t have any options with regards to your insurance. Have you thought about going after the excluded driver. Does he have coverage on another car that might extend to yours? You might have to sue the driver for the cost of the car.
Good luck
Filed under auto insurance price quote by on Jul 11th, 2010. Comment. 
Drivers in Texas know how important it is to have good auto insurance. With the big cities in the wide open spaces, they’re plenty of opportunities to have accidents. Plus, theft can be a problem in Houston and Dallas. Another issue is the number of uninsured motorists on the road. With all these problems, it’s obvious that having a good auto insurance policy is very important to protect your financial well being. But how do you find a policy that fits your needs and your budget? It can be hard to find cheap Texas auto insurance, but by following a few tips and being a smart consumer, you’ll have a low cost car insurance policy in no time.
Companies In Texas
There many auto insurance companies doing business in Texas. The usual national chains like progressive and Geico are here, as well as many smaller national and local companies. In fact, the headquarters of USAA is located right in San Antonio. Any of these can be good choices for lots of motorists. There are also many smaller local car insurance companies offering policies in Texas. For example, Fred Loya insurance operates out of Austin. If you can’t find a good rate for more of the national companies, check out these local companies to see if they can give you a good deal.
The most important thing for getting low cost Texas auto insurance rates is to get lots of quotes online. Insurance companies give different rates to different drivers. In fact, the difference between the highest quote and the lowest quote you get is often hundreds of dollars. That’s why it’s so important to compare five or 10 quotes to choose the best plan and the lowest rate. Remember, don’t just look at the rate since the plans might also be different. You need a plan that fits your needs, whether it’s liability insurance, collision insurance, or a more comprehensive plan.
Other tips for getting cheaper quotes include keeping a clean driving record. If you have fewer tickets and fines on your record, the insurance company will give you better quote. Being a safe driver can add up to lots of money over the years. You might also go for a plan with a higher deductible. This means your out of pocket costs are higher, but you make up for it with lower monthly premiums. Another tip is driving a car with safety features like antilock brakes and airbags.
Get Cheap Texas Auto Insurance Quotes Online Now
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Filed under auto insurance price quote by on Jun 25th, 2010. Comment.
Do Renters Need Insurance?
I have seen several stories on the news, and heard personal stories from people I know, that reinforced my belief that renters should have proper coverage on their personal property. They should also be covered in case they cannot live in their rented homes in case of damage.
- Several renters were affected by a recent storm. Many sections of their apartment complex were damaged by a recent storm, and the landlord had no vacant apartments to relocate these people. A good renters insurance policy would have provide them with money and even advice to find a place to stay while their apartments were being repaired.
- These people also lost furniture, clothes and appliances because of the storm damage. Renters insurance would have helped them replace their personal property. The contents of their home would have been covered.
- I have a good friend who lived in an apartment. After a break in, she lost her stereo and thousands of dollars worth of recordings that she had accumulated over the last few decades. If she had been covered, she could have made a claim to replace her valuables. But since she did not have a home contents insurance policy, she had to suffer the loss. You might argue that this collection was not essential, and her situation was not as bad as the people who had lost their homes and clothes, but she did lose a great source of enjoyment.
The Importance of Covering Home Contents
The contents of our homes can be worth many thousands of dollars. Sometimes we do not think about it because we built it up over a period of years. You probably did not buy your sofa and your engagement ring on the same day. But over a period of years, and even decades, you probably have accumulated some property that would cost a fortune to replace!
The Importance of Relocation
Have you ever thought about your emergency plan in case you could not live in your home. I have known many people who had to find temporary housing because their home was damaged. Even if you rent, you would have to pay a mover, put down a deposit, or pay for a motel room. In my own experience, this can add up to thousands of dollars.
Relocation will probably cause other disruption too. Will your kids have to change schools? Will it be harder for you to get to work? Could you lose some supplies or equipment you need to do your job. These losses can be financial disasters..
Renters Insurance Policies
A good policy should be an affordable way to protect yourself.
- Home Contents Insurance – Protect your valuables, furniture, clothes, electronics, and appliances. Just take a moment to think about how much money you would need to replace your tv, computer, microwave, and wedding ring.
- Relocation – If you lost your house or apartment, where would you go? How much money would it cost to move?
- Liability – In today’s society, you must consider the potential for a lawsuit. If somebody claims they are injured, their property is damaged, or the home is damaged, because of you, how would you defend yourself?
These type of policies are actually very inexpensive. Of course the cost will depend upon how much coverage you think you need and where you live. But many people are surprised because they can find really cheap renters insurance.
In fact, I heard a comment from my friend who lost her music and stereo. Later, she mentioned that she could have been covered for the price of one restaurant meal a month. It would have been a very small price to pay for the security of a good policy.
How to Find Renters Insurance. We want to help you find affordable home contents insurance. Find the top rated home insurance companies in your city or town.
Filed under Home Insurance by on Jun 8th, 2010. Comment.