How To Avoid Auto Insurance Claims?

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Josh DeBoer
Producer, Fred Daniel & Sons, Inc., Tulsa, OK
This is a broad question that I'm sure will generate many different answers, but here is mine and I hope it helps answer your question. As you know, many drivers are distracted by their cell phone. Texting, internet applications, and email (unfortunately) are just a few things that many drivers do while driving. Until we all are driving autonomous vehicles, this will always be an issue of concern. These distracted drivers are the ones you need to look out for and try to stay as far away as possible. The cell phone distractions are the causes of many collision claims. With regard to "other than collision" claims, such as avoiding hail damage etc., just be aware of the daily weather conditions and the potential for a hail storm in your area. If you can get your vehicle to an underground garage such as a mall parking lot, or back to your home with a garage you will be able to avoid a costly "other than collision" claim. There is a company that is selling hail protector car covers that inflate remotely around your car like an airbag. That would be another option if you are unable to leave work or return to your home where you may have shelter for your automobile. I suggest googling "hail car protector." In a nutshell, just be careful and practice defensive driving. Keep your eyes open and constantly scan your surroundings and please don't use your cell phone while driving. I hope this answered your question and let me know if I can further assit you in your personal insurance needs.
Answered on November 15, 2013
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Jack Heller
Owner, Insurance Browser,
Let me add to this by pointing out something that may have escaped your attention. Buy insurance for the big events. Keep your deductibles as high as you comfortably can. Do not skimp on e Liability and Uninsured/Uninsured Motorist coverage. Those are exceedingly important. It cost a great deal more to repair people and their lives than fixing cars. If you have higher incident, keep in mind the deductible you have and perhaps you take care of the immediate issue your self. Perhaps you may even have an older vehicle for which it does not make economic sense to carry Comprehensive and Collision,. A good way to know is to look at the online appraisals you can do your self at www.edmunds.com If you are carrying a coverage that has very limited ability to useful, you might want to forego that coverage.
Answered on November 15, 2013
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