car insurance trying to screw us?

my girlfriend bought a 02 rsx about 2 months ago and had liability on the car before this car but switched it too full coverage on this car with the new policy and the price only went up 30 dollars more a month and now she has totaled it and there saying she never switched it too full coverage and we both think the guy she talked too screwed it all up becuase in our minds it should have gone up more than 30 dollars but we didnt say nothing cause its cheaper than we thought so why would we and there saying we should have. if this matters she is 22 and has no points oon license and we live in md and have proggressive auto insurance. any help greatly appreciated.

So…. you actually thought this was the case but you didn’t bother to read the policy (that you agreed to) and NOW you squawk??
Gimmie a break — you would have been perfectly OK saving tons of money by not paying for collision but now you feel like it’s the insurance company’s fault. WRONG. This is your responsibility. You need to handle matters like this and be sure you have enough coverage in case of a disaster.

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No matter what exactly are we planning to buy, all of us have a tendency to discover the cheapest possible solution for our requirements. So, the very same applies to purchase Automobile Insurance.

Tornado hit home and total loss ?

House will prob. be declared a total loss…what does that mean? If declared that term will the dwelling coverage of the insurance be paid out to the max as well as the contents? There also is a loss of use amount on my insurance policy, will that be paid out to me in full/I have to pay first and then get reimbursed. Not much can be done since the electric can’t even be turned on till next month and many homes have a do not occupy sign posted…IT won’t be a quick fix. CAn an upcoming purchase of a rv/5th wheel travel trailer be placed under a loss of use claim since living in a 1 room hotel is just difficult w/ a family? Will the insurance company make offers on total loss in terms of what will be paid out or is it an auto max payment of what the dwelling covers? Or does it go beyond the dwelling coverage if the fair market value is used since repairing it into what it used to be exceeds the dwelling coverage amount? thank you

When I had my total loss….
Allstate set an amount for me to rent a place (just like what I owned) and they gave that to me each month – and I had the option to rent a smaller place & pocket the rest (loss of use)

Dwelling should be rebuild exactly as it was minus you paying your deductible…if you had replacement cost.
If you had Actual Cash Value – they might cut you a check for the worth of your home – with depreciation….

Contents – They will cut a check…with depreciation for all the contents you can list/remember
and if you have replacement cost – as you replace the items & send in the receipts…they will reimburse you the different to pay your full replacement cost.

Good luck…remembering everything I owned was the biggest challenge!!! But you have 3 years to finish out your claim

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Are the “minimum auto insurance requirements” in the state of Florida enough?

Several of my close friends in the Miami Florida area have been involved in an automobile accident just in 2008. None of these people I speak of carried any insurance above the Florida State Required Limits. All of these people suffered from not having enough insurance themselves or the at-fault driver didn’t carry enough to cover damages fully. So what do you do? How much auto insurance is really “total coverage”?
The auto insurance carriers should offer customers a price discount for upping their insurance to a little higher level of protection, this way maybe everone on the roads would be properly insured no matter how bad the accident was or how much damage was caused.

How much insurance is a question only you can answer. Insurance protects the assets you have now and those you may accumulate in the future (think earnings) . If you have a lots of assets, you need a lot of insurance. If you have few assets, then you don’t need as much coverage. It’s your call

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Why Buy A Used Car Instead Of New Cars?

Buying a used car instead of new cars is definitely one of the best ways to save your money, while getting the car of your choice. No matter what are your needs and what is your budget, the present day used car market will provide you with options that will cater to all your requirements in the best manner, at a much lesser price.

There are several reasons for which you should buy a used car from a reputed and reliable car sales company instead of a new one. Few of these reasons include:

• Save money: When you buy a used car, you definitely save huge amounts of money compared to buying a new car. Moreover, nowadays you can find almost all the popular car models in the used car market, offered at an amazing price. When your favourite car is available in the used car market at a much reduced price, and is in a good condition as well, then what is the use of investing in a new car?
• The high depreciation rate in the value of a new car: As soon as a new car is out of the showroom, it already loses about15 to 20% of its value. With increasing time, its value decreases. If you plan to sell your car after 2 to 3 years, you will have to dispose it at almost half the original price or even lesser. Therefore, buying a second hand car proves to be more cost effective as it is available at a lesser price.
• Warranties and value added services: Nowadays warranties are not only limited to new cars. You can easily locate a car sale company that will offer you an extended warranty and other values added services on used cars, at few extra dollars, which will enhance your car buying experience. However, you need to go through the warranty policy carefully and checkout what all are included and excluded from the warranty.
• Lesser car insurance amount: The amount that you will have to invest in the insurance of your used Suzuki will be lesser than the insurance amount for new Suzuki cars. Therefore, when you buy a used car, you can save money on its insurance as well.

There are a number of online and local car dealers who deal in used cars. However, in order to have a pleasant car buying experience, you should make your purchase from a reliable and reputed dealer only. Also, buy a car only after checking it out thoroughly for defects and damages.

About the Author

The author is an experienced Content writer and publisher for Business Development. Visit at http://www.carlinandgazzard.com.au/ to know more about used cars and used cars for sale.