Car insurance nightmare stories

Car insurance nightmare stories

Finding the right car insurance is almost as important as purchasing a new vehicle. The fact is that there are lots of benefits to having car insurance. Not only does car insurance protect you in case of injury during an accident, but it also provides financial coverage for any damages so that, even if your car is totaled, your finances don’t have to be.

Insurance is considered such an important part of auto ownership that you are legally required to carry proof of car insurance at all times. However, every pro has a con, and perhaps the biggest drawback to ensuring financial protection for you and your car is dealing with insurance companies.

Car insurance nightmares are not uncommon; examples include being underinsured or having your plan canceled or not renewed without your knowledge which could leave you in a tough spot. If you’re in an accident with an uninsured driver and don’t have uninsured motorist coverage, you may need the services of an attorney to get compensation, especially if you’re injured.

From making claims to interpreting complicated policies, car insurance plans are not the easiest things to navigate and often require the services of insurance brokers who specialize in auto insurance.

What to watch out for

As you prepare to select the auto insurance plan that’s right for you, you need to be aware of some common mistakes vehicle owners make when working with auto insurance companies, including:

  • Uninsured motorists. In the case of a car accident, it is never guaranteed that the other driver will have insurance. Unless you specifically have under-insured motorist bodily injury coverage, you may have to pay for you own injuries and damages out of pocket. On the flip-side, you may be the person without insurance if your plan is canceled or expired. That’s why you must be proactive in maintaining your insurance plan by being cognizant of any policy changes or expiration dates for renewal.
  • Having enough coverage. Car insurance can be expensive, but before you commit to the most economical choice, think twice. If you are caught in a vehicular accident, you want to ensure you have adequate coverage for your health, vehicle, and any equipment that may be stored inside the vehicle. Therefore, you must examine every policy carefully to ensure you have the coverage you need.
  • Auto renewal. One of the most common oversights for auto insurance companies is failure to renew current plans which leaves clients without protection. To prevent this, don’t assume your insurance will automatically renew, but stay proactive to satisfy all due dates. Don’t wait for your insurance company to notify you.

Who can watch out for you

 Every automobile owner wants to avoid car insurance nightmares, especially in California which is notorious for busy highways and hazardous road conditions during rush traffic. However, if you truly want to avert the possibility for mishaps, take action by consulting with an independent auto insurance broker in Los Angeles.

Dan Fraisse is experienced in car insurance policies and will help you find coverage gaps. With Dan Friasse’s guidance, you can have a customized insurance package that gives you the most coverage for your budget.