Make Sure that Your Car Insurance Company Gets Honored
However, since car insurance policies can be very complicated, you may not even be covered by your policy if something happens to your car. If your car’s wheels get destroyed and the wheels are not covered by -company-comparisons.html” title=”Compare Auto Insurance Company and Best Auto Insurance Policy”>your cheap auto insurance policy, then the car insurance company will have nothing to do with your repair or replacement expenses. This can be a waste, especially since you pay a hefty monthly fee to the insurance company to keep your insurance policy going.
To minimize the chances of you getting a bad deal for your money the next time you run into an automobil accident, be sure that you get the best car insurance rates and ins policy that you can possibly get. The best insurance may not mean the most expensive or most loaded policies, because not everybody can afford to pay such hefty fees. What you do need on the other hand is the best automobile insurance company and quote that your own money can buy and pay for every month.
More than getting the most affordable deal, you should also sign up with an auto insurance company or agent that is ready to help you whenever you find yourself in a tight spot. In this case, cheap doesn’t always mean good because just because insurance is offered to you at an extremely low price means that the company is sure to help and pay what is due their client when the time comes.
When people get into accidents, their insurance agents (if they’re that sort) make it very hard on them and try to wiggle out of paying by arguing that they are not covered by the car insurance policy or that the insurance company should only pay part of the expenses. Ask around with family, friends and people you trust on who they believe the best and most trustworthy companies are before signing.
First of all, a ticket has no bearing on a liability investigation by an insurance company. You must have been in a contributory negligence state. Contributory negligence bars you from recovering from the other person if you are even 1% at fault. You get nothing. I find it very odd that they are denying you on contrib. They must be using the fact that you should not enter the intersection unless it is clear to do so, but I am frankly, surprised that they see that as 1%. But they are within their right to apply contributory negligence if they determine some rests on you.
You can't sue for your property damage if you have collision coverage with your insurance company you must use it, then your company can file arbitration and would include your deductible in what it seeks in recovery.
If you don't have collision coverage then you can sue in small claims court, but every suit filed is a crap shoot. There is no guarantee you will win. In small claims or District Court there is only a judge hearing your case, and if he knows the law, and knows contrib can be applied, you may lose again and be out the expense to file. Totally your choice, of course. Just know it's never a guarantee no matter how good your case seems.