Tag auto

Tag auto

5 Surprising Facts About Auto Insurance

Tags: , , Dallas Insurance Rates
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The Texas Department of Insurance recently published the following facts about auto insurance.  Since each company is a little different, I thought it would be a good idea to expand on the video from an insurance agent perspective.

Mexico doesn’t accept U.S. auto insurance

Yes, believe it or not, our neighbors to the South have very different rules when it comes to insurance.  As a result, your auto insurance will have very limited coverage (if any) when you cross into Mexico.  As a result, I normally suggest finding a company located near the boarder if you’re looking to drive into Mexico.  Even if your Texas auto insurance policy says it will cover within so many miles of the U.S. – Mexico Boarder, it’s better to be safe than sorry.  Make a mistake here, not only could you wind up paying for a claim out of your pocket, but you could also wind up in a Mexican jail.

Going green could save green.

Many insurance companies now offer a number of “Green” incentives.  If you go paperless, companies like Progressive will offer a discount for using their online services.  Also, if you rideshare, walk, or bike to work, the reduced commute could also result in lower rates.  Always discuss daily commutes and annual mileage when looking at your rates.

While driving less is a traditional means for saving money on car insurance, insurance companies are now getting a little more innovative.  Thanks to technology, car insurance companies have begun using devices to collect data on driver habits.  As a result, companies like Progressive and Safeco have introduced programs that provide immediate discounts in exchange for a little work on your part.  The next time you’re shopping for car insurance, you may want to ask whether your company offers additional discounts through electronic means as well.

Don’t feel rushed to sign a release after an accident

Under Texas Law, an insurance company that accepts liability (or fault) must promptly pay your claim.  The insurance policy prohibits them from doing otherwise.  As a claimant, you are not required to sign a liability waiver in order to receive damages.  If you feel that you are being pressured to sign a release in order to get paid by an insurance company, you should advise claims adjuster that it is unlawful to pressure a claimant into signing a release after a claim.

You Pick the repair shop

After a car accident, it is in the best interest of all parties involved to quickly settle your claim.  Keep in mind that you still have consumer rights; even if the other person’s insurance company is paying damages. While many car insurance providers have a network of claims and repair facilities, where you get repairs is up to you.  Keep in mind that an insurance company can only suggest or provide you a list of authorized facilities.  Regardless of who you choose, the repairs should be done in a manner that correctly repairs all damage caused in your accident or occurrence.

You can challenge the settlement offer.

Let’s give the insurance company the benefit of the doubt here.  The person adjusting your claim and offering a settlement is a human.  If they make a mistake or offer you too little for your settlement, you have the right to challenge the company’s offer.

While challenging the initial claims settlement offer if within your rights, that right comes at a cost.  In order to challenge an offer, you will have to hire your own appraiser.  Also, you’ll have to pay half the costs associated with the independent reviewer.  Before going through this step, contact the Texas Department of Insurance Consumer Help Line at 800-252-3439.


Auto Insurance from a Travelers ConciergeClaims perspective

Tags: , , Auto Insurance
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Quite often, when we buy insurance, purchase auto insurance on price and price alone.  Let’s face it, accidents are not fun.  When you have an accident and you need car repairs, do you want an insurance company that cuts corners?  As cars evolve, the claims experience must evolve too.  So, when you choose an insurance company, what do people say about their claims service?

It’s true that everyone wants to save as much as they can on their car insurance.  But when the claim is on your car, you want the insurance company to leave no stone unturned.  Quality and Safety are things than cannot be compromised. Travelers auto insurance seems to have figured that one out.

A True Story about a Client’s Claims Experience

A few years ago, one my clients took her vehicle to a Travelers ConciergeClaim Center.  They  returned so excited about the service, they asked me if they could switch all their policies to Travelers Insurance. The fact that a client would ask this based on a claims experience,  makes you reconsider the importance of an insurance company’s claim service before and after the policy is sold.

My Personal Tour of the Collision Repair Facility

Today, I toured a Travelers ConciergeClaim Center in Lewisville, TX. The location was truly impressive.  The staff appeared friendly, courteous and knowledgeable.  The location was extremely orderly and clean.  The purpose of tour was to help agents understand the what sets the Travelers ConciergeClaim experience apart from other insurance companies.

No Waiting for a Rental Car

Upon arrival, I noticed that this claim center does has an Enterprise Rent A Car office on premises.  That means that you actually get your rental car the moment your enters the repair facility.  The representatives stressed the reason for having a rental car company on premises means that you save time by not having to wait for a company to pick you up.

Perks for Travelers Customers

For those that do not have rental reimbursement on their policy, Travelers insureds that use a ConciergeClaim Center get a free loaner car.  At lease they stressed that in Lewisville.  So, if you’re in the Dallas area and you have Travelers insurance, there’s a nugget for you in case of a claim.

Another neat feature of the Travelers Concierge Claims service, were the dedicated bays. Travelers has a section of the body shop dedicated to Travelers customers only. From time your keys are taken, an insurance company representative is on premises ensuring that your car is repaired properly handled.  The representatives stressed the fact that customers could receive daily updates, email, phone calls, or whatever. The importance is that the insurance company is taking care of your car through out the claims process.

Lifetime Claims Guaranty

After your car is done, Travelers guarantees your repairs for as long as you own your cars.  That means that if they forgot to connect a mirror’s wiring, you can go back and get it done.  All in all, the tour of the ConciergeClaim center makes me really think about the folks that ask about Travelers insurance.  Their attention to detail, clean and courteous environment, combined with the time saving attention to detail makes choosing their claims center a no brainer if I ever have to my vehicle repaired.