Friday, December 4th, 2009 at
9:49 pm
Mary Couch : I am a teenager and what should I do if I get involved in a teen auto accident? How much loss can ocurr? Will my auto insurance rate go up?
Response : When any person let alone a teenager gets involved in an auto accident, than the regulations are the same for all but or certain steps you should take in order that your auto insurance claim is not prejudiced :
• Make sure that everyone involved is safe and that medical/emergency care is being provided.
• Notify the local police.
• Write down the following information:
• Location, date, and time
• Names, addresses, and license numbers of other drivers and passengers
• License plate numbers and vehicle descriptions
• Injuries to you and others, if any
• Names and telephone numbers of any witnesses
The amount of loss is difficult to say since it would vary from each accident and the severity of the accident. After the auto accident the insurance premium will defintely be high and this would continue to be high for a period of 3 years even if the loss paid by the insurance company is not high, since the claim shows that you are not a safe driver. Your driving record is affected. If the severity of the accident is higher than you might get some points on your license and this will affect your auto insurance premium which will be much higher. For cheap auto insurance quotes or cheap teen car insurance quotes you will have to improve your driving record and also shop online for comparitive auto insurance quotes.
Thanks.
Kamlesh
Monday, October 12th, 2009 at
9:09 pm
teen auto insurance- auto accident
I’m 16 years old i was driving to a friends house when i lost control of my 2000 chevy blazer, I hit a tree doing about 55 I shattered my kneecap into 8 pieces and I was unable to walk for two months, i live in Jacksonville florida. 7 cars drove by while I laid bleeding on the side of the road one person finally stopped as I had given up. I am looking for a good auto insurance quote.
-Brett H.
Response: Brett, I am sorry about you accident and the fact that you had such a bad experience on the road. Hope you are feeling much better. Now as on getting an insurance quote, you have come to the right place and I am sure you will find a cheap car insurance quote here. However, cheap is relative to what you are being offered elsewhere since, you have already a car accident and so irrespective of whether you are at fault or not, your insurance premium will increase, since the insurance company had to bear the expense. The auto insurance rate will be high only for about 3 years, wherein most companies would consider loading for the claim. The claim will be on record for a period of 7 years.
I advise you to go for graduated riving lessons if you have not taken them and this will help in bringing down your insurance premium since you will be offered a discount. Take the driving lessons and this will help in building your confidence and judgment. Secondly, please see that you have the safety features in your car and this will also help in getting a discount and will ensure your safety.
Take care.
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Monday, August 10th, 2009 at
7:08 pm
Jennifer : I am 16 year old and live in Florida. My mother wants me to go for defensive driving so that I can get a car insurance disocunt. My mother thinks that with this it would be possible to get cheap teen auto insurance rate? Do you think this is possible.
Response : Jennifer, your mother is on the right track for teen auto insurance. Yes defensive driving will give you a discount and it will be also possible to get cheap teen auto insurance quote easily online also. Defensive Driving Discount.” This discount can save you 10 percent on most of the major coverages under your auto policy, such as liability, medical payments, and collision coverage. Defensive driving courses can cost as little as $20 and last as few as 5 or 6 hours. However, the discount normally applies for 3 years. For example, if your auto insurance premium is $100 per month, the premium is $3,600 for 3 years. If liability, collision, and medical payments or personal injury protection coverage constitute 85 percent of this $3,600 premium, the resulting premium subject to this discount is $3,060. In this scenario, the actual premium savings would be $306 (10 percent of $3,060) for that
3-year period. To get the true savings, you must deduct the cost of the defensive driving class. If the cost is $26, the savings in this example would be reduced to $280. If you spend 6 hours taking the class, you are earning $47 per hour in savings—not an unproductive way to spend a Saturday! What is more you can protect your driving history since you learn to drive safe. All the best.
Kamlesh.
