Property Damage Current Rates, News & Information
Physical Damage Appraiser
Posted in Auto Insurance , Property Damage
January 14th, 2009
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A physical damage appraiser is someone who specializes in the assessment of automobiles, trucks, motorcycles and other vehicles which have been damaged in accidents or collisions. Their job is to determine just how much damage has been done to a vehicle whether it is safe to drive, a total loss, or simply just dinged up or scratched. They work for and on behalf of insurance agencies when policy holders seek to get their cars fixed after an accident. 
How Auto Insurance Deductibles Work
Posted in Auto Insurance , Property Damage
January 12th, 2009
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Car insurance deductibles are what you pay before your car insurance coverage kicks in and covers your costs in the case of an accident. Lets say you decided to pay a cheaper monthly premium maybe $75, depending on what state you live in, and what your driving record is like. The downside of that affordable monthly bill is that you will now be paying a higher deductible rate should you get into an accident even if youre not responsible. If youre paying a cheaper rate, you will have a higher deductible and maybe even excess payments. A more expensive monthly premium, and you will have a lower deductible.
Be Ready for Excess Payments
Posted in Auto Insurance , Property Damage
January 9th, 2009
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Excess payments are bills you pay each time your car gets repaired under your car insurance policy. Its a fixed proportion youll pay for every bill. An insured motorist will pay this excess payment to the garage itself when he or she goes to pick up their car once its ready. The easiest way to imagine your excess payment is like the co-payment you make when you visit your doctor.