The average family of four in the US now pays more than $4,000 a year in healthcare insurance premiums. An amount simply unbelievable to most of the rest of the world.

In Thailand, where I live, I don’t even have health insurance. With major surgery only being around $1,000 for many serious illnesses, and that in one of Bangkok’s best private hospitals and a doctor’s visit less than $6, I don’t see the point in having health insurance. I’ll simply pay for the medical care if I need it.

If I did want top-of-the-line healthcare insurance in Thailand though, I wouldn’t be paying much more than $500 a year, and that would cover me for most medical care at any of Bangkok’s top private hospitals with no deductible. So to think an American family of four pays $4,000 a year for what is usually pretty awful coverage, and they’ll detached raze up paying a percentage of their healthcare costs in their deductible – well that, I simply can’t comprehend.

As many Americans also lobbied against Barack Obama’s healthcare reform, I wonder what it must now feel like to know that many of the things Obama wanted to pass would have helped lower that $4,000-plus premium and stopped rising healthcare insurance premiums? But, fooled by conservative right-wingers, who are in the pockets of the insurance companies, ignorant Americans called healthcare reform “socialist” and lobbied against the important parts of healthcare reform and it didn’t pass.

Instead, in 2010, American families have seen a 14% increase in healthcare premiums while their employers, often the fat-cat companies who helped put America’s economy in the toilet, walked away not paying anything extra towards their workers’ healthcare needs.

These same employers, while their employees paid more for their healthcare costs, also reduced the scope of the medical care they would pay for, with comprehensive coverage being a thing of the past – screwing their employees, both coming and going.

Well, they do call where I live “Amazing Thailand”, and now I see why. A country that’s one step up from being third world, can still offer all of its citizens government healthcare for the equivalent of $1 per doctor’s visit and private healthcare which, from my experience, is better than any healthcare I ever received in the United States of America for not a whole lot more. Incredible Thailand indeed.

Makes you wonder though doesn’t it. That citizens in the world’s richest country can’t even get what every citizen in a poorer country gets. Mind-blowing. Simply mind-blowing. It’s also why Americans are now some of Thailand’s ‘medical tourists’, as they’ve figured out they can get western-standard medical care for one tenth the cost of America. Must be embarrassing to be an American though, to know you have to come to a poor country to get medical care you can’t afford in your bear.

Sources:

Healthcare costs: Employers push rise in healthcare costs onto workers – LA Times

Undoubtedly, the fastest way to shop for auto insurance is to go surfing on the world wide web. Many auto insurance businesses can provide quotes on their websites, 24/7/365. You can obtain contact information for an auto insurance company on their website, then get in touch via telephone.

Be honest about the information you give out for quotes. The business will discover any claims, traffic tickets or accidents, so there's no point hiding anything. When you compare quotes, compare coverage with your present auto insurance company to the new company's data.

Switching over.
After you've gotten your new auto insurance business and bought your new policy, cancel the old one immediately. Failure to do so could mean continuance of your auto insurance with them. The conventional company would mild be waiting on premium payments from you. When no payment is provided, they would cancel your policy due to said unpaid premiums, then describe your failed coverage to your state's Department of Motor Vehicles. This has a high chance of altering your credit history as well as your ease of getting a new auto insurance policy.

Ending your old policy.
In general, all that is required to end the old policy is to notify the faded insurance company in writing. Set when you would like the insurance policy to be canceled. From there, they will send a form to imprint and return, which voids your old policy.

Until your unique insurance is in effect with the new insurance company, don't execute the old one. You'll avoid any mistakes in coverage. Currently, though, there's little odds of this actually happening. Your used auto insurance company will most likely demand proof of insurance before canceling any active policy.

The best time to switch.
Switch to a current auto insurance enterprise honest when the new policy is going to expire. Do it as soon as your policy renewal notice is received. The time it takes is usually around a month prior to the current policy's expiration. Note that in this time period, you can switch between auto insurance companies without getting hit with fees or penalties.

A strong advantage to doing this at the end of the policy term is avoiding heavy calculations in how much unused premium you are due from the old auto insurance group. Another benefit is skipping past the debate with your insurance agent – arguing about how much the company owes you and about the precise date you canceled the insurance.

You should be ready to get a better deal now. Whet your imagination from all the additional money you could be saving by following these easy guidelines.

Getting quotes for auto insurance is an easy process. With honest a few clicks on the computer or toll-free telephone calls, anyone can gather a list that compares auto insurance by services and rates. For senior citizens, who often are on fixed incomes, this can be a very cost-effective exercise, possibly saving them hundreds of dollars during an insured period.

Finding Comparable Rates

Buying auto insurance is like any other important, long-term catch. The key is to select time to research and shop for the best deal with reliable auto insurance companies.

The following is a sample of insurance companies and insurance brokers offering auto insurance quotes on the Internet. Many have specific marketing programs targeting senior citizens.

AARP: www.aarp.thehartford.com.
AARP is an advocacy organization for seniors that promotes the interests of people over 50 years ancient. They offer auto insurance to members through The Hartford.

Allstate: www.allstate.com.
Allstate is a well known insurance company. Quotes can be gathered at the above website or local agents can be found in the telephone book and are available to back in preparing a free quote.

Farmers Insurance Group: http://www.farmersinsurance.com.
Online or in person, a Farmers insurance agent can review auto insurance coverage, befriend identify potential gaps, and include any qualifying Farmers Auto insurance discounts.

Progressive Insurance: www.progressive.com.
Progressive will provide a quote for their company along with comparables of other auto insurance companies for easy comparisons.

Geico Insurance: www.geico.com.
This company can be accessed online or at one of their many offices. It is easy to get a quote; they offer flexible payment options and competitive rates.

Costco: www.costco.com.
Costco offers membership insurance through Ameriprise Auto & Home Insurance.

Autoinsure: www.autoinsure.org.
Autoinsure has a page with capable insurance information for senior citizens. They can provide quotes from all the major auto insurance companies.

Esurance: www.esurance.com.
A rising star among insurance companies that capture pride in stating: “Esurance doesn’t just offer profitable insurance coverage, we also believe in educating consumers.” Their online quote process is easy to navigate.

US Insurance: www.usinsuranceonline.com
They will provide multiple auto insurance quotes tailored to specific needs within minutes of filling out their simple short form. It’s easy then to compare them side by side to win the best prices and coverage.

Car Insurance Rates: www.carinsurancerates.com
Their network of companies and brokers offer a variety of car insurances: Farmers, Allstate, AIG, Nationwide, AARP, Safeco Insurance, Liberty Mutual, MetLife and Mercury.

Every insurance rate: www.everyinsurancerate.com
EveryInsuranceCompany.com is a handy Internet directory to find local insurance companies, insurance quotes and discount insurance rates.

Quote Scout: www.quotescout.com.
This website will provide quotes from a long list of auto insurance companies – literally from “A” to “Z”.

Insurance.com: http://www.insurance.com.
Insurance.com works directly with 15 highly rated car insurance companies in 46 states: 21st Century, Electric Insurance, Esurance Auto Insurance, The Hartford, Infinity, Liberty Mutual, Meritplan Insurance, MetLife Auto Insurance, Newport Insurance, Permanent General Assurance Corporation (The General), Progressive, QBE Insurance, Safeco, Travelers Insurance, and Unitrin Direct.

Keeping Auto Insurance Rates Down

There are ways that senior citizens can take responsibility to control their auto insurance rates. Here are a few suggestions.

According to seniorjournal.com, most of the major auto insurance agencies provide a 5% – 10% discount to drivers beginning at the ages of 50 or 55. However, as a group, drivers 75 and older have one of the highest rates of fatal daytime accidents. Because of this, it’s important that senior drivers stay proactive and involved in keeping their driving skills sharp.

Many states offer an auto insurance discount for mature drivers if a person meets a given age criteria and has taken an approved mature driver safety course. Local colleges and senior centers are good resources to learn about the classes. AARP has local and on-line access to the course. Costco offers its members an online drivers’ safety training course through FirstNet: www.firstnetlearning.com.

Another way to hold auto insurance rates down is to drive a low-profile car, one that as part of a group has a lower rate due to minimum repair costs, considered safer and less likely to be stolen. Check the Highway Loss Data Institute, www.iihs.org, for the latest related data.

Examine current auto insurance needs and requirements. Changing to higher deductibles or dropping collision or comprehensive coverage for older cars may make sense.

Always ask about discounts when purchasing or renewing auto insurance.

And finally, the best long-term advice: Always drive defensively, pause alert and follow the driving laws. Maintaining a safe driving record is the best way to keep auto insurance rates down.

Loans are granted first priority due to the fact that they must be paid otherwise collaterals placed against them may be lost. Similarly, in order to have a obedient credit derive for future borrowing, it is advisable to maintain the monthly expenses at bay so that one does not struggle in paying loans and insurance premiums. In order to gain desirable cheap auto insurance premiums, there are a number of factors that can be applied.

Usually in order to get the best deals, it is vital to make a pre-purchase research to find out which auto insurance companies are offering neat premium rates for your vehicle. It is also necessary to enquire on factors such as insurance cancellation charges and any available discounts. However, insurance buyers should be very careful when ‘widow shopping’ for cheap insurance firms. This is one of the areas where opportunistic fraudsters have exploited unsuspecting clients. These fraudsters claim to offer very cheap premium rates, or have discount offer for a couple of months in form of free insurance. Finding a cheap insurance firm implies that the long term effect on a persons household budget is favored.

When insuring new vehicles, insurance buyers normally consider all appropriate coverage such as comprehensive, towing coverage, lease off coverage among others. This is because the value of the vehicle is high at purchase. However, as the use of the vehicle advances, it depreciates in value and there is a need to adjust on the premium payable. It is thus important to adjust on the payable premiums so as to match the depreciating car value. The cost of premium is sure by the ‘deductibles’ payable and the coverage adopted should be reviewed. As your car devalues, there is a need to withdraw some of the insurance coverage or some terms of the insurance policy. For instance, comprehensive coverage can be dropped out and only have collision coverage.

Another factors that can be considered in order to arrive at minimum premiums is quoting high ‘deductibles’ payable. Deductibles are fixed amount payable whenever an accident occurs, and the insurance company repairs your vehicle. They are usually paid by the insurance buyer. When quoting the deductible to be paid every time an accident occurs, it is important to quote higher amount.

Normally, insurance companies use deductible as one of the factors to determine the rate of premiums payable. Therefore, when the quoted deductible is high, this means that premium payable is low. Consequently, when the deductible quoted is low, this implies that the premium rate is high. Usually the deductible is quoted during the insurance coverage registration. It is therefore necessary for the insurance buyer to make an appropriate quote. This will ensure the premium payable is coarse. The ‘deductible’ amount is added together with the insurance pay off to settle the repair expenses.

Non-owned auto insurance is a bargain of a deal! It provides great coverage for a slight label.

Do you need non-owned auto liability insurance?
If you could answer yes to any of these questions, you may want to consider getting non-owned auto liabilty coverage. Business auto policies usually only cover the vehicles that are actually listed on the policy itself. General liability insurance won’t automatically cover you in these situations either.

What is non-owned auto liability insurance?
Non-owned liability insurance is designed to protect your business if someone else uses their personal car to run business errands for you, or if you borrow or rent a car from someone else.

It is liability coverage, that is, it protects you in case someone is hurt in an accident and wants to sue you. It does not provide any physical damage for a car, so if a car is damaged, there is no coverage for hurt to the car itself.

Did your employee, or friend, have insurance?
If you are like most people, you presume that your employee, or whomever you asked for help, has their beget car insurance when they run an errand for you. Maybe they have insurance, maybe not. Even if they do, do you know how much coverage they have? If you’re like most people, you don’t know and you haven’t asked.

The driver is not covered
The driver should have his or her own car insurance. Non-owned auto insurance isn’t designed to cover a driver who chose to go without car insurance. If the driver works for you, you should have workers compensation, which would cover them if they were hurt in a car.

Acting on behalf of your business
Many courts have decided that a business is liable for the acts of its employees, including using their own personal car to run errands for the business. Non-owned coverage would provide liability coverage for your business.

Personal auto insurance policies might exclude coverage whenever a car is former for business deliveries or errands. Each policy is different, so if you have an
employee that does deliveries or regularly runs errands for you, be clear to have them check with their insurance agent, too.

How to get non-owned liability insurance
Some companies call it non-owned coverage, others call it hired and non-owned coverage. Regardless, it’s not automatic on insurance policies. It can easily be added to your business auto policy. It’s typically very cheap and inexpensive.

If you don’t have any cars titled to your business, and do not have a business auto insurance policy, this coverage can be added to your general liability insurance policy. It’s usually pretty inexpensive to add to a policy, and can be added to either business auto or general liability insurance coverage.

Call your insurance agent to make sure you have this coverage, or to add it to your policies. It’s an inexpensive way to make obvious you’re protected if someone else runs an errand for you and they don’t drive your car.

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If you enjoyed this article and would like to read more from this author, click HERE.

I found the the new web site, http://www.darrasnews.com/ to have a variety of timely news articles to befriend define issues in disability and long-term care that affect people across America. The web site is easy to navigate and it has a comprehensive question and retort section that explain a variety of facets about different types of disability and long-term care insurance policies. It also has a News Section to keep up-to-date on Disability and Long-Term Care Insurance

In Darra’s own words: “You can find sound advice that will help you make informed decisions when evaluating your current policies or purchasing insurance to cover you and your family, should the unthinkable happen,”

According to the press release Darras is illustrious for his determination and diligence, and has recovered more than a half billion dollars on behalf of the disadvantaged and disabled. The majority of his nationwide clients are disabled and/or elderly, often easy targets for unreasonable bad faith and wrongdoing on behalf of multinational corporations, the press release reports.

Darrasnews.com provides answers, which are key to empowerment when dealing with the complicated language of insurance, specifically catered to the Disability and Long-Term Care Insurance.

In most Long Term Disabilities policies, “disabled” is defined as having an illness or an injury that prevents you from performing the material and substantial duties of your regular occupation on a full-time basis with reasonable continuity. However, issues may arise and insurance companies may deny Long Term Disabilities benefits to people based on legalese that common people may not understand. This is where Web sites such as Darras’ comes handy.

Who Is Frank Darras?

Frank N. Darras is managing partner of Shernoff, Bidart & Darras, LLP, in Ontario, California. He heads the firm’s disability and long-term care insurance department and is singled out as one of America’s leading plaintiffs’ lawyers. Darras’ client list literally reads like the who’s who of sports figures, business professionals, doctors, lawyers, film stars and television personalities.

In addition to high profile clients, Darras helps people unable to afford representation and tackles America’s most difficult insurance bad faith cases. Litigating across the nation, he evaluates over 12,000 unique cases per year. He is “America’s Choice” for insurance related representation and every year, Darras returns more than $40 million to the disadvantaged and the disabled.

“Americans buy insurance and pay hefty premiums in order to protect their families from catastrophe and to have peace of mind and security when distress strikes. They should get what they were promised and paid so dearly for,” says Darras. “Those who are wrongfully mistreated deserve compassionate, experienced and competent representation.”

Source:

Darrasnews.com Press release. URL: http://www.prnewswire.com/cgi-bin/stories.pl? ACCT=104&STORY=/www/story/09-11-2007/0004660211&EDATE=

Darrasnews.com. URL: www.darrasnews.com

Getting quotes for auto insurance is an easy process. With just a few clicks on the computer or toll-free telephone calls, anyone can gather a list that compares auto insurance by services and rates. For senior citizens, who often are on fixed incomes, this can be a very cost-effective exercise, possibly saving them hundreds of dollars during an insured period.

Finding Comparable Rates

Buying auto insurance is like any other considerable, long-term purchase. The key is to catch time to research and shop for the best deal with superior auto insurance companies.

The following is a sample of insurance companies and insurance brokers offering auto insurance quotes on the Internet. Many have specific marketing programs targeting senior citizens.

AARP: www.aarp.thehartford.com.
AARP is an advocacy organization for seniors that promotes the interests of people over 50 years old. They offer auto insurance to members through The Hartford.

Allstate: www.allstate.com.
Allstate is a well known insurance company. Quotes can be gathered at the above website or local agents can be found in the telephone book and are available to assist in preparing a free quote.

Farmers Insurance Group: http://www.farmersinsurance.com.
Online or in person, a Farmers insurance agent can review auto insurance coverage, help identify potential gaps, and include any qualifying Farmers Auto insurance discounts.

Progressive Insurance: www.progressive.com.
Progressive will provide a quote for their company along with comparables of other auto insurance companies for easy comparisons.

Geico Insurance: www.geico.com.
This company can be accessed online or at one of their many offices. It is easy to get a quote; they offer flexible payment options and competitive rates.

Costco: www.costco.com.
Costco offers membership insurance through Ameriprise Auto & Home Insurance.

Autoinsure: www.autoinsure.org.
Autoinsure has a page with trustworthy insurance information for senior citizens. They can provide quotes from all the major auto insurance companies.

Esurance: www.esurance.com.
A rising star among insurance companies that take pride in stating: “Esurance doesn’t just offer expedient insurance coverage, we also believe in educating consumers.” Their online quote process is easy to navigate.

US Insurance: www.usinsuranceonline.com
They will provide multiple auto insurance quotes tailored to specific needs within minutes of filling out their simple short effect. It’s easy then to compare them side by side to find the best prices and coverage.

Car Insurance Rates: www.carinsurancerates.com
Their network of companies and brokers offer a variety of car insurances: Farmers, Allstate, AIG, Nationwide, AARP, Safeco Insurance, Liberty Mutual, MetLife and Mercury.

Every insurance rate: www.everyinsurancerate.com
EveryInsuranceCompany.com is a handy Internet directory to find local insurance companies, insurance quotes and discount insurance rates.

Quote Scout: www.quotescout.com.
This website will provide quotes from a long list of auto insurance companies – literally from “A” to “Z”.

Insurance.com: http://www.insurance.com.
Insurance.com works directly with 15 highly rated car insurance companies in 46 states: 21st Century, Electric Insurance, Esurance Auto Insurance, The Hartford, Infinity, Liberty Mutual, Meritplan Insurance, MetLife Auto Insurance, Newport Insurance, Permanent General Assurance Corporation (The General), Progressive, QBE Insurance, Safeco, Travelers Insurance, and Unitrin Direct.

Keeping Auto Insurance Rates Down

There are ways that senior citizens can purchase responsibility to control their auto insurance rates. Here are a few suggestions.

According to seniorjournal.com, most of the major auto insurance agencies provide a 5% – 10% discount to drivers beginning at the ages of 50 or 55. However, as a group, drivers 75 and older have one of the highest rates of fatal daytime accidents. Because of this, it’s important that senior drivers stay proactive and enthusiastic in keeping their driving skills sharp.

Many states offer an auto insurance discount for weak drivers if a person meets a given age criteria and has taken an current obsolete driver safety course. Local colleges and senior centers are suitable resources to learn about the classes. AARP has local and on-line access to the course. Costco offers its members an online drivers’ safety training course through FirstNet: www.firstnetlearning.com.

Another way to keep auto insurance rates down is to drive a low-profile car, one that as share of a group has a lower rate due to minimum repair costs, considered safer and less likely to be stolen. Check the Highway Loss Data Institute, www.iihs.org, for the latest related data.

Examine current auto insurance needs and requirements. Changing to higher deductibles or dropping collision or comprehensive coverage for older cars may make sense.

Always ask about discounts when purchasing or renewing auto insurance.

And finally, the best long-term advice: Always drive defensively, stay alert and follow the driving laws. Maintaining a safe driving record is the best way to keep auto insurance rates down.

Liability is the coverage that will protect you and your property and possessions in the event you are at fault in a multi-vehicle accident. This coverage will pay the other person or persons involved for hospital bills, their vehicle repairs or pay off, and protect you in the event of a law suit. The limits of liability vary from state to state. Here in Tennessee the minimum limits are $25,000 per person up to $50,000 per accident. This means the insurance will pay up to $25,000 to the other person(s) involved but will not exceed a total of $50,000 for one accident. Limits range also from $50,000/100,000 up to $250,000/500,000.

Uninsured motorist is the coverage that will protect you in the event someone collides with you, and they are not carrying any insurance at all. This coverage will help pay for your vehicle repairs or replacement minus a $250 deductible. If this happens, the other person who is not carrying insurance is given the chance to manufacture restitution to your insurance company and provide proof they have gotten insurance before they have their license taken. This is providing they have a license and do not end up in jail for some reason.

Medical payments will pay for your hospital and ambulance services up to a determined amount which is specified on the policy. Standard medical pay is $5000. You can carry higher or lower medical payments if you desire. Just ask the agent what their choices are.

Corpulent coverage insurance is when a person carries liability, uninsured motorist, medical payments, comprehensive, and collision coverage. In other words, they have it all.

Comprehensive covers the fire, theft, vandalism, glass breakage, and animal collision on your vehicle. This coverage comes with several choices of deductibles. Deductibles are what you pay out of pocket before the insurance takes over. The standard deductible on this is either zero or $50. Most people carry such a low deductible since if a windshield or glass is broken, they usually only cost $300 to $400. Thus, there would be no need to have a $500 deductible on comprehensive since broken windshields are the most well-liked claims turned in under this coverage.

Collision is what will pay for repairs or pay off of your vehicle in the event of an at fault accident or a single vehicle accident. Most people will opt for a $500 deductible on this coverage in order to keep their premium lower. Collision is the most expensive coverage on the entire policy.

Some companies offer Emergency Road Service and Rental Reimbursement. First Rental Reimbursement will not pay for you a rental vehicle if you automobile is in the shop just for mechanical repairs. This only covers a rental car if your car must be repaired due to an accident. Emergency Road Service will cover a tow in the event of a mechanical fracture down but will not mask just having a vehicle pulled from a ditch. If a tow is done due to sliding in a ditch or getting stuck, this is actually considered a collision and would fall under that coverage. Both of these coverages are optional.

Always do your homework on a company also. Check on their ratings and rankings, check to see if there are any complaints filed against them, and definitely check on their cancellation policies and statistics. Just doing this could attach you a bundle on your auto insurance.

I sure hope this will help you if you are looking to get auto insurance. If you talk and think like an agent, you could probably save yourself some money on your auto insurance.

Source:

Personally working in insurance for seven years

Allstate Teen Insurance
Allstate has a amazing teen driver program, which focuses on a parent-teen driving contract The parent and the teen determine on agreements for specific actions, like talking on a cellphone whilst driving and having a curfew, set limits on these actions (or ban them altogether), and finally make consequences if the teen driver breaks any component of the contract Allstate insurance has taken a excellent initiative with teen driving safety, and their web page http://www.allstateteendriver.com outlines all of their efforts to maintain teens secure.Statefarm Teen Insurance
Statefarm provides two incredible opportunities for students to save on automobile insurance The very first is the ‘Good Student Discount’, which rewards students who get very good grades by decreasing the auto insurance cost This is a excellent incentive simply because, for students with lower grades, it is excellent motivation to improve grades if they are paying for their insurance, and for students with higher grades, it’s a greater incentive to maintain up the excellent work An additional highlight of auto insurance for teenagers at Statefarm is the Steer Clear Secure Driver Discount, which is also pointed towards students It is an additional refresher course that, when completed, gives an additional discount to those 25 and under The course can be completed with a kit, on a pc, or even on the iPhone.Progressive Teen Insurance
Besides offering an on the internet directory with data on auto insurance for teens, Progressive also provides student discounts when applicable In the on the net directory, Progressive aid walk teenagers by means of the insurance procedure, explaining every step Also, they give suggestions on secure driving and keeping your cool For example, 1 page provides ideas on how to stay away from road rage and calm your self down when it inevitably occurs An additional page explains all of the information and facts required in order to get a quote and figure out how a lot the auto insurance will cost for the teenager Specifically, besides the general student advantages, Progressive doesn’t add any unique features or advantages for their auto insurance for teenagersLiberty Mutual Teen Insurance
Liberty Mutual is really straightforward on its internet site, http://www.libertymutualteendriving.com , on explaining what a teen and their parent can do to make certain they get the most effective teen auto insurance value Liberty Mutual also provides student benefits, where if a student has excellent grades, they can get up to a 35//www.edmunds.com/guidance/insurance/articles/97806/article.html>Auto Insurance for Teenage Drivers, Edmunds.com.
Geico, Geico.com, Geico.
Progressive, Progressive.com, Geico.com.
Liberty Mutual, libertymutual.com.com, Liberty Mutual.
Allstate, Allstate.com, Allstate.com .

Personally, I would wait until you have settled the property wound on your vehicle before filing a personal injury claim. You will receive “FREE” money simply because you have NOT filed a personal injury claim. Most likely the amount you will receive for your property damage will be about $1000.00 or higher than the actual cost of your vehicle worth, simply because they are in fear of a personal injury claim, which could possibly lead to upright litigation, which will cost State Farm or any other auto accident insurance company legal experts years and thousands of dollars because of legal fees.

To me, this is what I call “FREE” money. After you settle the property damage on your vehicle, you can always begin a personal injury claim against State Farm or any other insurance company. In most states, you have up to (2) two years to determine your personal injury claim before hiring an attorney and filing a lawsuit or litigation proceedings.

Also, in most states in the USA. You also have (18) eighteen months to choose your property afflict before hiring an attorney for litigation or lawsuit process, because you have tried to handle this claim yourself and working with the insurance adjuster without hiring an attorney which looks “Large” in front of a jury.

But, remember these insurance adjusters are also looking for “Dummies” or any fraudulent activity, whenever you talk to them. They will also record your initial conversation fair so they can use it against you during their deposition if lawsuit is filed. They will write down every word you say during your conversation and state this is what you said during your first conversation after your accident.

Recorded conversations are NOT permissible during insurance adjuster depositions, but most likely the insurance attorney has listened to your original conversation and told the insurance adjuster exactly what to say during their deposition.

Another draw of “FREE” money with State Farm Insurance is to net them with the rental car? Even if your vehicle is drivable, you can tell the adjuster that it’s NOT? And still get your rental car for free, mileage free, but you will have to pay for the gas. I would suggest keeping this rental vehicle as long as possible, until they come out and pick it up! If State Farm tries to charge you for the mileage, because of your loss of vehicle, you can always present this during your deposition, which caused you “pain & suffering” out of your ever day way of life and you did NOT have another drivable vehicle?

Please remember, this accident was probably not your fault? Why should you have to be the one that suffers because of this accident? Why should you have to suffer everyday because someone else is impartial a “Bad Driver? ” You did NOT ask for this accident?

My advice for any auto accident victim with State Farm Insurance, would be to take it “slow” with the State Farm adjusters and appraisers, and just simply wait and see what they are doing before hiring legal counsel or any attorney? These Position Farm employee’s are “Experts” and they know their jobs, and they will also ” wait and watch” what you will do first before paying you any money and if you are going to file a personal injury claim.

And always remember, lawsuits are filed against the other driver and NOT the insurance company.

Unfortunately, auto accident payments are based on time and calculations. And as simply put with any insurance claim. If “You play your cards right” with these adjusters and appraisers with any insurance company. You can make some “FREE” money with these insurance companies like State Farm, Allstate, Geico, Nationwide, etc. provided that you allow enough time for the procedure process.

Thanks for reading,

Phillip Chambley.