Making Car Insurance Claim in UK

This report might be useful for people living in UK. If you do not have enough luck and get yourself into a car accident, you may need to know several things that may help you to claim your car insurance easily. Not preparing these things might end you up having less car insurance claim or a delayed claim.

Personal Injury
Of course this is the first thing you should do, and in fact the things that you naturally do when you have a car accident. Check is there any injury in your body and other passenger in your car. Do this first before you go to yell at the other driver!

Call the ambulance if there is severe injury. Don’t forget to keep the medical report as a part of the car insurance claim.

Police Assistance
If you think a police assistance is necessary you should call the police immediately. This is of course, depending on the situation. Calling the police might be considered a wise move to investigate who is at fault in the car accident.

Call Your Car Insurance Company
According to the law in UK, you need to have a copy of your car insurance policy in the car all the time. On that policy you can find a 24 hour contact number. Call the company ask for assistance on the things or procedures you have to go through to make a claim.

Have witnesses or evidence
You should also take the names and phone number of witnesses surrounding you in order to help you to make the claim. A photograph of the accident scene is also a good evidence. Of course if there is a police, you could focus on taking care of yourself and other passengers while the police do this.

Car Repair
Depending on your car insurance coverage, you may or may not get a car repair coverage. Sometimes you will also need to get your car repaired at a certain garage if you would like to have the claim. You need to check with the car insurance company if in doubt. If you have car repair coverage, do not forget to keep the receipt.

Keep all receipts
It is a wise move to keep all receipts from any expenses that you have. You may not get the reimbursement of all of them, but it is wise to keep them all. You don’t want to throw away a receipt that you could get the reimbursement, do you?

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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Feel free to reprint this article in its entirety in your ezine, blog, autoresponder, or on your site so long as you put a link back to this original post, leave all links in place, and do not modify the content in anyway.
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Why Students Do Not Normally Have Affordable Car Insurance

Are you a student? Do you have a child who is a student? Searching for affordable car insurance rate? If you are a student with a car or you have a child who is a student, you may be surprised to find it hard to get affordable car insurance. Even if you shop around, it seems that car insurance companies do not like student driving car. Is this true?

It is true to some extent. Car insurance companies do not hate students. Car insurance companies hate students who are reckless or have bad driving record.

Students, being young and inexperienced, often behave in a way that is considered reckless and risky for car insurance companies to accept their application.

Purposely or not, young people might get many speeding tickets, moving violations, parking tickets, and many other things. It is just a common sense that this kind of action might be ended up in an accident. Of course, accident is the main thing that a car insurance company tries to avoid. Thus, these kinds of actions are considered risky by car insurance company and resulted in a high car insurance rate.

Even if you get tons of speeding tickets and any other bad things in your driving record, you are still able to get an affordable car insurance. What you have to do is to shop around long enough. If you found one, the main thing you can control to get cheaper rate is the car insurance coverage. Different companies have different policies. If you shop around long enough, you might end up with affordable car insurance even with your bad driving record. That is the "punishment" for having bad driving record.

The good news is driving records are cleared in 3 years in most states. Also, if you hit 25, your driving record will also improve significantly.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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** Attn Ezine editors / Site owners **
Feel free to reprint this article in its entirety in your ezine, blog, autoresponder, or on your site so long as you put a link back to this original post, leave all links in place, and do not modify the content in anyway.
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Car Insurance For Senior Drivers

You may realize that car insurance rate is higher for senior drivers. According to Institute of Advanced Motoring in UK, drivers over 70 involved in 8% of accidents. Looking at the data above you may agree that the high car insurance rate is a normal reaction of car insurance companies.

Most car insurance companies think people over 80 are as risky as people under 25. They therefore charge higher premium. Although most of the car insurance companies react similarly to senior drivers´ car insurance policies, they do not take exactly the same action.

Some car insurance companies progressively add premiums once a driver reaches 60. Some car insurance companies refuse coverage for drivers over 70. Some have an upper limit of age. Some do not have upper limit of age as long as you stay with them from early years. Some even charge higher for elderly women.

It is a biological fact that eyesight and reaction time worsen as age increases. There are already some courses designed for elderly people to drive better which is for their own sake also. This course will help elderly people to spot any serious problems that may happen while they are driving.

As long for the car insurance itself, there has been no satisfying solution. Some people are experimenting on building a no claim report and buy No Claim Protection. They then pay all the small bumps by themselves. Hope in the future, there will be better solution for elderly drivers in the car insurance world.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
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** Attn Ezine editors / Site owners **
Feel free to reprint this article in its entirety in your ezine, blog, autoresponder, or on your site so long as you put a link back to this original post, leave all links in place, and do not modify the content in anyway.
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Variables in Very Cheap Car Insurance Rate

Some of you may compare your car insurance rate with your families, friends, or neighbors. You may also be surprised that you get higher car insurance rate than them. Before you call your car insurance company or your car insurance broker or agent, you should realize that there are several variables that should be taken into account when determining your car insurance rate.

There are lots of variables to consider, thus one car insurance policy is different than the other. You can´t just blame the car insurance company or your car insurance agent. Below are several variables that affect car insurance policy.

Credit Report
This is perhaps a variable that has the biggest effect on your car insurance policy. The better your credit report the cheaper your car insurance rate will be.

Your car
You may already know that expensive car has higher rate than ordinary car. What you may not know that newer cars have better rate because of the car security features. Some vehicles are also vulnerable to theft, thus have high stolen rate. Of course this kind of car, when insured, has higher car insurance rate.

Your area
Different area of your resident has different rating. You can not control this accept you move to different area.

Driver Information
Age plays a part of your car insurance. Senior adult drivers will have different rate than adult drivers. Don´t forget that your driving record also play a large part in determining your car insurance rate.

Discounts
This is maybe the least considered variable when you compare your car insurance rate with your neighbors. Multiple policy discount, good student discount, and driver training discount are only some of the discounts that may affect the car insurance rate.

What you really have to compare is your car insurance profile from company to company. That is the best way to shop around. Your friend may get cheaper rate in a company because of multiple policy discount, that you may not get. So, always do your shopping the right way.

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Disclaimer:
The general information provided by http://CarInsuranceCenter.blogspot.com is intended as an educational purpose only, and should not be interpreted as legal advice. The law varies drastically by location and legal specialty, and http://CarInsuranceCenter.blogspot.com makes no promises about the accuracy or completeness of the information provided. You should not rely on our information when making legal decisions. We recommend that you consult with a lawyer to get professional legal advice on how best to deal with your situation.
-=-=-==-=-=-=-==-=-=-=-=-=-=-=-=-=-=-=-
** Attn Ezine editors / Site owners **
Feel free to reprint this article in its entirety in your ezine, blog, autoresponder, or on your site so long as you put a link back to this original post, leave all links in place, and do not modify the content in anyway.
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