In the past, auto insurance companies had one way to file claims; by phone only. After you filed that claim, you had to either drive your car to the a designated claims facility or wait for an adjuster to drive to your car and get back with you.. Today, in large cities like Dallas, car insurance providers now utilize rapid reponse claims vehicles, email, mobile phones, and wifi to streamline the process of looking at a car after an accident. As a result, you could actually get a check for the damage to your vehicle at the scene of an accident.

While most insurance companies do not issue checks at the scene of an accident, a large number of companies now offer claims customer service 24/7. That way, by simply calling your insurance company’s 1-800 claims number, you can get the claims process started anytime; even if it is during the middle of the night. You can find a list of Dallas car insurance companies and their claims department phone numbers here.

Starting in 2010, many companies launched their smartphone applications for Iphone and Android platforms. Not only can you file claims using these smartphone applications, but you can use them to find repair facilities, record your insurance agent’s contact information, and even store your emergency contact information.

As a result large number of car in places like Dallas, car insurance companies now use certified drive-through repair facilities that take care of the entire claims process. After your file your claim by phone, internet, or smartphone, you can drive to or have your car towed to the repair facility. From that point, the insurance company will take care of everything else based on your policy’s coverage. After that, your insurance company’s repair facility will notify you when your car is ready.

Regardless of what technology is available, it always wise to follow these tips at the scene of an accident. By doing so, you remain safe, and your claim is settle in a rapid manner

1. Stop your car and find out if anyone is injured.
2. Call the police. Notify them of any injuries
3. Provide aid to the injured if necessary
4. Protect your car and the scene from additional damage
5. Get a copy of any police report or a police report number
6. If necessary, have the car towed to a repair shop.
7. Take notes. Keep a pad and pencil in your glove compartment, or download an insurance smartphone app and make sure to get the following:
   • the names and addresses of all drivers and passengers involved in the accident
   • license plate numbers
   • the make and model of each car
   • driver’s license numbers
   • insurance identifications
   • the names and addresses of witnesses
   • the names and badge numbers of policy officers or other emergency personnel

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Each company has a different definition of accident forgiveness.  Here are a few questions to ask when your auto insurance company says that they will forgive your accident.

1. What’s the threshold? Some Texas Insurance companies will forgive all your accidents under a $400 or $500 payout.  So if you bump into your neighbor’s car and they insist on calling your insurance company, low cost claims under $400 will be completely forgiven.  As a result, your rates won’t change.
2. Will I lose any discounts? Some Texas auto insurance companies like to play games with the accident forgiveness.  Their pricing is so complicated that even if they forgive an accident, you still lose an accident free discount.  As a result, even though they forgave your accident, you still got a rate increase because you lost the accident free discount.  Is that confusing or what?
3. Do I pay more for accident forgiveness?  Some car insurance companies actually make you purchase a higher level of coverage so that you can get “unlimited” accident forgiveness.  This may be a good package if you have a teenager with a bad driving record.  However, if you have a clean driving record, I thought the purpose of the exercise was to save money on your car insurance.  So if your agent says that you have the Gold or Platinum package, you might want to continue looking around.
4. How long does it take to earn accident forgiveness? Some auto insurance companies offer accident forgiveness only been claims free or “surcharge” free for a number of years.  While other companies offer accident forgiveness after you have been insured with them for a number of years without an accident.  Each Texas insurance company has their own version of earning accident forgiveness.

Accident forgiveness can be an extremely useful tool on your Texas auto insurance policy.  As we previously mentioned, each company has different definitions for their accident forgiveness and claims free discounts.  The next time you shop for insurance in Texas, these four questions can go a long way into helping you decide which insurance company and insurance agent is best for you.

Looking for Car Insurance in Houston Texas? You are just one step away from finding a great rate on your Car Insurance in Houston Texas. At TXInsurancePro.com we not only offer you the most convenient way to find the lowest Houston county car insurance rates in the state of Texas, we also provide our consumers with up to date information regarding Houston, Texas car insurance companies. With all the factors that go into shopping for insurance, TXInsurancePro.com can help you understand what each insurance company looks for when they determine how much you pay.

Facts about the city of Houston pertaining to auto insurance:

Houston, Texas Car Insurance Facts:
25.8 – The average travel time to work for most of the residents in Houston is about 25.8 minutes but there are still ways to save money even if you spend a lot of time on the road.

190 – In 2007 approximately 190 fatal car crashes in Houston alone, that does not include the remainder of the Harris county. Each insurance company takes a different approach to the city of Houston. It’s important to know which company gives the best rates in your zip code.

450 – Approximately 450 people were involved in the fatal accidents in Houston. As a matter of fact, insurance companies now offer larger discounts for lower commutes and vehicles with safety devices.

270– Approximately 270 vehicles involved in those car accidents. Not only will taking a Defensive Driving Course give you a discount on your insurance, but accident prevention courses will also help you live safe, more secure lives.

60 – The average speed limits in Houston are at least 60 MPH. If you drive on the toll ways, those speed limits can increase to as much as 70 MPH. Accidents can happen anywhere; practicing safe driving habits on the highways and on the local roads keeps you out of trouble and can earn you insurance discounts as a safe driver.

19500 – In 2007 there were about 19500 auto thefts in the city of Houston and the surrounding areas. Where you park your car at night, what kind of car you drive and anti-theft devices in your car can make a difference.

25% - In 2009 approximately 1 in 4 cars registered in Houston count were uninsured. It is important to make sure you carry the right coverage. Coverages like Uninsured Motorists protection can help you save money by giving you an added level of protection.

Here’s a breakdown of the top 10 targets in Texas:

1. Dodge Ram pickup, 2004
2. Ford F150 pickup, 1997
3. Honda Civic, 2000
4. Honda Accord, 1994
5. Chevrolet extended cab 4×2 pickup, 1997
6. Ford F250 pickup, 2004
7. Chevrolet conventional cab 4×2 pickup, 1988
8. Ford F350 pickup, 2006
9. Ford Taurus, 1997
10. Ford Explorer, 2002

Fortunately, TXInsurancePro.com can help find you the most affordable rates for any situation. Use all the resources we offer online to understand why you are paying too much on your current insurance policy, and then find more affordable rates with TXInsurancePro.com. Click here for your free online insurance quote today. Click on a link below for more information about another city.

Looking for Car Insurance in Dallas Texas? You are just one step away from finding a great rate on your Car Insurance in Dallas Texas. At TXInsurancePro.com we not only offer you the most convenient way to find the lowest Dallas county car insurance rates in the state of Texas, we also provide our consumers with up to date information regarding Dallas, Texas car insurance companies. With all the factors that go into shopping for insurance, TXInsurancePro.com can help you understand what each insurance company looks for when they determine how much you pay.
Facts about the city of Dallas pertaining to auto insurance:
Dallas, Texas Facts:
26.9 – The average travel time to work for most of the residents in Dallas is about 26.9 minutes but there are still ways to save money even if you spend a lot of time on the road.
140 – In 2007 approximately 140 fatal car crashes in Dallas alone, that does not include the remainder of the Metroplex. Each insurance company takes a different approach to the city of Dallas. It’s important to know which company gives the best rates in your zip code.
370 – Approximately 370 people were involved in the fatal accidents in Dallas. As a matter of fact, insurance companies now offer larger discounts for lower commutes and vehicles with safety devices.
210 – Approximately 210 vehicles involved in those car accidents. Not only will taking a Defensive Driving Course give you a discount on your insurance, but accident prevention courses will also help you live safe, more secure lives.
60 – The average speed limits in Dallas are at least 60 MPH. If you drive on the toll ways, those speed limits can increase to as much as 70 MPH. Accidents can happen anywhere; practicing safe driving habits on the highways and on the local roads keeps you out of trouble and can earn you insurance discounts as a safe driver.
13790 – In 2007 there were about 13790 auto thefts in the city of Dallas and the surrounding areas. Where you park your car at night, what kind of car you drive and anti-theft devices in your car can make a difference.
25%- In 2009 approximately 1 in 4 cars registered in Dallas count were uninsured. It is important to make sure you carry the right coverage. Coverages like Uninsured Motorists protection can help you save money by giving you an added level of protection.
Most stolen vehicles in Texas:
1. 2004 Dodge Ram Pickup
2. 1994 Chevrolet Full Size C/K 1500 Pickup
3. 1997 Ford F150 Series
4. 1996 Honda Accord
5. 2000 Honda Civic
6. 2004 Ford F250 Series
7. 1994 Chevrolet Suburban
8. 1997 Ford Taurus
9. 2006 Ford F350 Series
10. 2001 Chevrolet Tahoe
Fortunately, TXInsurancePro.com can help find you the most affordable rates for any situation. Use all the resources we offer online to understand why you are paying too much on your current insurance policy, and then find more affordable rates with TXInsurancePro.com. Click here for your free online insurance quote today. Click on a link below for more information about another city.

When purchasing a new car and shopping for car insurance, it is unwise to purchase car insurance from a car dealership. For the most part purchasing a new car is an emotional decision. Purchasing car insurance is a logical decision. When making the decision to go from an old car to a new car can result in higher insurance premiums, but in many scenarios purchasing a new car can result in lower insurance rates.   Getting the best insurance rates on your new car can be easy if you talk to the right people. 

First of all, talk to someone who can give you several different rates.  The discounts offered by different companies can be confusing.  Many times, when a person goes from and old car with full coverage insurance to a newer car with full coverage insurance, car insurance companies will give you discounts on your auto insurance due to the safety features of your newer car. This varies based on your insurance company. So in this case, it would help for you to shop your car insurance online in order to get the best rates.

With today’s technology, shopping for insurance on the internet is easier than ever. Once you get your rate online, an agent can call you with the lowest rates on your car insurance. At the same time, with your permission, the agent can verify your driving record and claims history. Having a clean claims history and good driving record can earn you many discounts and benefits including, accident forgiveness, claims free, and safe driver discounts depending on the company.

Many times, people shop without looking at their entire insurance package. Insurance companies give better rates based on the number of cars and policies you insure with them. For insuring more than one car, you get multiple car discounts. For combining your home, boats, or recreational vehicles, insurance companies will give you multiple policy discounts. In many cases, having more than one policy could save you more than 30% on your monthly insurance premium (price).

Ultimately, saving money on insurance will come down to how well you do your homework. By talking to an independent insurance agent and by consulting with your friends and family, you can save tons of money when shopping for car insurance.

Everybody would love to have the “best” when it comes to just about anything and this should be especially true when it comes to car insurance companies. Consumers must take a moment to understand what makes up an ideal carrier before they can locate one and they must also realize that a good insurer for them may not be the right one for another individual. So if a friend or loved one refers you to a particular coverage provider that they are satisfied with it is a good idea to consider their recommendation, but the chances are that another carrier may be a better option.