It’s National Car Care Month!

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Dec 18, 11

Who knew?
October is National Car Care Month!!! Taking an active role in maintaining your vehicle is best way to avoid costly repairs down the road.
In addition to caring for your vehicles physical condition, you want to be sure that your car has proper insurance coverage. Here are a few tips:
Know your state’s auto insurance requirements.
Read your policy- even the fine print.
Keep your insurance information with you.
VIN # Window etching can LOWER your insurance premiums up to 15%.
Write up your own personal auto insurance profile.
For a lower premium, and to get the best rate, give W.A.G. Insurance Agency a call:
312.729.5265

What to do in case of accident or illness while traveling abroad

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In this article I will provide instructions in case you get hurt on vacation or traveling abroad on business.

IMPORTANT: Make sure you have coverage Assistance to People hired. Works in case of accident and / or disease. Without this coverage, nothing done .

No one is free to hurt or get sick. Imagine that (the devil is deaf and blind) into the United States and at the airport part of a leg. It has to be transported to the hospital and be treated in the leg (usually surgery). I imagine it made a safe trip …

I tell you a story: A client of mine broke his leg in Beijing airport. He had the coolness to tell her husband to call the number of assistance that I have stated and from there, the travel assistance company followed the process. The total bill amounted to $ 33,000 (brrr …) translated into about 25,000 euros. Were operated insurance agency travel (forward $ 10,000) and insurance that the client did to me (12,500). I still had a capital of 5,000 processing fee that served to repay the part that she paid in Beijing.

But it also happens not to tell the travel assistance. There can be solved later, but it becomes more time consuming and complicated.

To avoid this, follow these instructions:

1 – Before leaving, take the phone numbers of any service of your travel insurance and your auto insurance if you are identified as usual driver. Make a letter to indicate the number of travel insurance policies, automobile and contact details, and contact the nearest relative or friend and goal of an envelope with your travel documents with the heading “IN CASE OF AN EMERGENCY.” If you move within the European Union, the European card mild disease. Order it in the social security site .

2 – If the accident happens and you’re alone, try to deliver the envelope IN CASE OF AN EMERGENCY who can activate the safe and notify next of kin or friend. In the limit himself Hospital will treat it.

3 – If the capital is inadequate, there is still covering costs of treatment. There will have to pay the difference out of your pocket and bring proof of expenditure for Portugal and present them to the insurer with no indication of the process of travel assistance company. Eventually it will be seen by medical insurance.

4 – If you are alone, the company may provide travel assistance to a family go to you. In the letter placed in the envelope IN CASE OF AN EMERGENCY must indicate the name and telephone number / mobile phone. The service company will maintain daily contact with their partner and giving instructions for the repatriation and other issues.

Your partner or family should be closely aligned with the service company to ensure that does not fail anything. Sometimes, and it is natural, may be some delays in some phases of the process that is essential for a preventive control.

Make good and safe travel.

Safe Transport of Goods by air

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Continuing an article on insurance of goods transported recently wrote that , I will address the clause for securing the transport of goods by air.

This clause covers all risks of loss or damage of the goods safely, except for the exclusions below:

- Willful misconduct of the insured

- Normal or stroke volume or weight loss due to use of the goods safe

- Inadequate or inappropriate packaging of goods

- Vice of that cargo

- Loss or damage caused by the inadequacy of the aircraft or container for the transport of goods, since it is known to the insured

- Losses arising from delay in delivery of the goods

- Insolvency or financial difficulties of the owners, charterers, operators or those who have the administration of the plane

- Use a weapon of war employing nuclear material

- War, civil war, insurrection, riot

- Capture, seizure, arrest or detention

- Strikes and labor unrest

- Acts of terrorism

Clause C of the Safe Transport of Goods

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Continuing an article on insurance of goods transported recently wrote that , I will address other clause – Clause C. This should only be employed in case of land freight transport used. You can also hire this clause for the new merchandise at the expense of the clause , but not advice.

This clause covers loss or damage suffered by the goods due to:

- Fire or Explosion

- Grounding, sinking and lack of stability of the ship (flip)

- Overturning or derailment of the carrier

- Collision of a ship, train or other means of transport with any object other than water.

- Discharge in a port

- Loss or damage arising out of extraordinary situations or sacrifice of the goods for a greater cause. Example: If the boat facing a storm and the captain even decide to throw goods overboard to save the boat and crew.

- Rapture or dumping waves

- Expenses necessary to save the goods due to loss covered by this clause

- If the contract of carriage include a clause of mutual responsibility in case of collision, is also safe

How do insurers assign responsibilities in car accident

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In the analysis for assignment of liability in automobile accidents, insurers use the table of Practice Responsibilities.

For a copy, click here

The table is divided into sections depending on the type of accident. You can go to the index on page 4 of the file and select the type of accident from the following:

- Vehicles in circulation in the same direction

- Vehicles in circulation in the process of reverse

- Vehicles coming from different routes

- Vehicles parked or stopped

- Special Cases

- Shock chain

- Special cases of accidents involving two-wheeled vehicles

How to interpret the drawings?

The vehicles are identified as X and Y and in cases of shock in jail, they are labeled A, B and C

Below the letters, there are numbers 0, 1, and split (1 / 2, 3 / 4, …). If under the letter indicates “0″ means that this car had no responsibility in the accident. If a different number, the total liability for the accident will be if the number is “1″ or if it is split, the responsibility is shared.

Valuable advice: fill out an accident report correctly , and make drawings and to ignore the authorities say they do not need an accident report. Fix this advice for their good.

Another tip: if you phone as the iPhone or similar, save the file table and Responsibilities is involved in a massive pile up and you have the coolness needed to remember that he has a way of knowing who is who has to fill accident report will be valuable in resolving the claim in a quick and effective. Remember that the table is easy to understand or not be offered.

Many problems can be avoided if carefully read the articles published on car insurance and care in filling out an accident report.

Why is it expensive to cheap car insurance

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When choosing a car insurance, many choose by price.

My advice is to worry about what to cover and then the price .

I advise you to make a list of toppings that you think you might need and then find the best possible price.

My purpose in this paper is to demonstrate why the cheap insurance expensive.

Imagine the following scenario: you get a third party insurance (Liability, Roadside Assistance basic occupant) for 180 euros / year. Is delighted with the price. The agent recommended that included breaking glass for more than 20 euros per year (you did not accept, because account has not cracked or broken glass) and an upgrade to TOP Travel Assistance for more than 25 euros per year (includes lack of gasoline, tire hole and replacement vehicle in case of failure, among other things).

At this point you forget you’re doing an insurance against unforeseen events that can happen and think that things only happen to others. Just worry about paying as little as possible by insurance.

1 – After a month you go to a very important meeting with a client and has a hole in the highway. You call the Travel Assistance, and the report that has a hole, the service informs you that it has no coverage. That’s when you remember what the agent suggested that coverage. You have two options: either change the tire alone (a) and threatens to smudge the new suit he bought in this state and it appears from the customer (after it warned that it would arrive later), or pay about 50 Assistance to the euro motorway concessionaire to make this work for you.

Balance this scenario: 25 euros spent more (coverage roadside assistance proposal costs 25 euros)

2 – After two months, going on the road behind a truck and a stone it cracks the glass. Go to a glass company and tell you that the glass can be repaired rather than replaced. It gets you for 50 euros. Remember that, for 20 euros, declined coverage for glass proposed by zealous agent.

Balance this scenario: 30 euros spent more (coverage of Glass is 20 euros). The financial loss for failing to adequately cover the contractor will have at 55 euros.

3 – Half a year since I cracked the glass. He did not ask the agent to include coverage of glass in the policy, because he thinks he already had his dose and will not happen anymore. Go on Highway passes a speeding car and heard a bang on the glass side. A stone shattered the glass. This has to be replaced. They are 120 euros. Had break glass only pay 50 euros of the franchise.

Balance this scenario – spent over 50 euros (cover glass costs 20 euros). The financial loss for failing to adequately cover the contractor will have to 105 euros.

4 – After a week, his car damaged and requires replacement vehicle for 3 days. The Travel Assistance reports that are not entitled because the coverage was not hired.

As there may be out of the car, going to a rent-a-car and rent a slight for 40 euros / day for 3 days, or 120 euros. I might add, to make it more “excited” that out of the rent-a-car, hit his rented car, being held responsible for the accident and pay the deductible of 1,000 euros (aiiii!!). Let’s not dramatize too much, ok?

Balance this scenario – spent over 95 euros (cover roadside assistance proposal costs 25 euros). The financial loss for failing to adequately cover the contractor will have to 220 euros.

In short:

- You did the insurance for 180 euros

- He spent the first scenario, 50 euros, assuming no soiled his hands and his delicate fact, changing the tire

- He spent the second scenario, 50 euros to repair the glass

- Spent in scenario 3, 120 euros

- Spent in scenario 4, 120 euros

He spent a total of € 340.00

To save this money would suffice:

1 – Hire insulated glass break – in scenario 3 only pay 50 euros of the franchise. In scenario 2, no

2 – Hire the best travel assistance including replacement vehicle in case of failure – would pay nothing in scenarios 1 and 4

For this, sufficient insurance to pay € 180.00 plus € 20.00 (broken glass) plus € 25.00 (Travel Assistance TOP). It was just over 45 euros / year, and € 295.00 spared accumulated stress with these scenarios.

Think seriously about it and face insurance as a protection for you, your family and property (health, life, auto, home, etc.). Talk to a good insurance agent to help you choose the best insurance in terms of coverage and price. Opt for the toppings. You’ll see what looks best.

You can read the article I wrote about the ” seven main aspects in Auto Insurance You Should Know ” before hiring a car insurance.

And please! If you buy a new car, ask him for good, which makes the Own Damage insurance (commonly and mistakenly called “all-risk”). There is nothing worse than undo the brand new car for a move that should not have done. I assure you that time will want to go back in time.

I have a client who has never had an auto accident 30 years here. This week, because of a miscalculated move, caused two minor injuries in a motorcycle who followed, but remained with the left side of the car badly damaged. Ok, you have car insurance and Own Damage with deductible 0%. He will have no financial loss, because I did it the safe way.

What I mean by this example is: the accident happens when least expected. Make sure the widest possible. The cheap comes out expensive, and can get expensive.