Getting Auto Insurance Quotes

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lowest auto insurance rates Claims Deceivers - Car Accident Compensation

February 12th 2007 a man willfully ran a red light in Baton Rouge and ran into our car.
My wife was injured in the accident, displacing 4 disks in her back and breaking her collar bone.
Because we work overseas in eastern europe, we already had return tickets for September, we kept telling Progressive for MONTHS that they need to send someone to take our claim.
Progressive agents stalled us until SEPTEMBER before ever sending out their first claims agent, a week before we had to leave for Russia.

Since that time, Progressive has stalled and made every possible attempt to worm out of their obligation for my wife's medical needs.

We have since secured legal representation, and Progressive's stonewalling has only increased!!
My wife has flown to the States 3 times to meet with Progressive with NOTHING PROPOSED from them to compensated for her severe injuries and the 2 major back surgeries that must be performed!!!

By stalling and having my wife fly all over the planet, they are milking us for every dime we have and causing continued pain & suffering on my wife's part.

Now they are claiming that we are partly responsible because their client ran a red light and we should have been able to STOP. Yeah, right!

IF YOU HAVE PROGRESSIVE - FLEE FROM THEM! IF YOU ARE IN AN ACCIDENT WITH A PROGRESSIVE INSURANCE VICTIM (CLIENT), RETAIN LEGAL COUNSEL IMMEDIATELY AND TAKE NO PRISONERS!!!

When your car insurance claim is denied

There are many reasons a car accident claim can be denied, valid or not. If your car insurance claim was denied, take note of the reason(s) given in the insurance company’s denial letter. Then take out your insurance policy and begin reading. The denial could be an error based on a lack of complete information or misinformation. But it could also be a correct determination by the insurance company.

Some common reasons for denial are:


* No car insurance coverage was purchased for the claim presented. For example, if you drive an older vehicle, you may carry only liability insurance and have no collision coverage because it is expensive. A claim under your policy for damage to your own vehicle will rightfully be denied.

* You made an Uninsured Motorist Claim under your policy and it turns out the other party to the accident was insured.

* You do not qualify as a named insured under the policy. For example, you are a teenager and you are specifically excluded under your parents’ policy because your parents do not expect you to drive their vehicle.

* Your coverage has lapsed because you failed to pay your premium before the end of the grace period.

* The amount of damage claimed exceeds your policy limits and the insurance company will not cover the excess.

* You bought a new car and failed to notify the insurance company to add it to the policy within the specified time given in the policy.


If, after reading the insurance company’s reasons and reviewing your policy, you still believe coverage has been wrongfully denied, there are some steps you may take to try to remedy the situation. You have certain rights under your policy and under state law. Your insurance company has a duty to fairly and promptly settle your car accident insurance claim in good faith.

Steps you can take if coverage has been wrongfully denied:


* Write back to the insurance company to tell them where their mistake is and provide them with documentation to support your response.

* Appeal the company’s decision to the State Insurance Commissioner.

* Hire an insurance bad faith attorney to discuss the error with the insurance company.

* Sue the insurance company for bad faith, breach of contract, and/or violations of your state’s insurance code.


If the insurance company realizes its mistake, or you are correct in that the adjuster made an error, they will reopen your claim and move forward with their investigation. Where you don’t understand their reason for denial, ask for clarification. It would be wise to consult an attorney to make sure they are not erroneously denying your claim.

CAUTION: Your insurance company is required to act in good faith when handling your car accident claim. If the insurance company unnecessarily denies your claim or fails to promptly settle it, you can sue them for bad faith, breach of contract, and violations of your state’s insurance code. It is crucial that you seek out an auto accident attorney who is experienced in insurance coverage litigation if you believe your insurance company is not handling your claim fairly.

Note that if your car accident claim is with the insurance company for the other driver involved in the car accident, a failure to settle promptly or fairly is not a denial of the claim. You should contact an attorney to either negotiate a settlement for you or to file suit against the responsible driver. Under some circumstances and in some states, you may also file a complaint with the State’s Department of Insurance for Third Party Bad Faith. Seek advice from an attorney to see if yours is one of those states.

How to get the best car insurance deal

Our guide to car insurance contains all you need to know about finding the right type of motor insurance policy, how to lower the cost of your premium and what to do in the event of a claim.

How to get the best car insurance deal

Car insurance is almost certainly the financial product most commonly held by consumers in the UK, with the possible exception of a bank or savings account. This is hardly surprising: if you drive a vehicle, insurance is compulsory.

In theory, this ought to make everyone a car insurance expert, able to get the best deal on their motor cover.

Yet too many of us tend to stick with the same insurer for too long and end up paying hundreds of pounds more a year than we need to. We only change policies when premiums become very noticeably too dear.

Conversely, we pat ourselves on the back because we have found ultra-cheap car insurance - only to discover that when we make a claim, certain items were never covered under the terms of that policy.

Shopping around is the starting point for anyone who wants the best car insurance deal. Our car insurance comparison tool allows you to search for and compare quotes from more than 60 top insurers and brokers in the UK.

But knowing how motor insurance works can help you get an even better deal - not just on price but in terms of the service you may need from your insurer. This guide is designed to help you achieve that.

It tries to answer some of the most typical concerns of motorists: everything from explaining how your quote is set and tips on how to cut the cost of your cover, to the various steps involved in making a claim.

We also offer a jargon-buster - explaining some of the more typical terms used when taking out car insurance.

Of course, no guide can ever attempt to answer every query. If you have any further questions, feel free to visit the car insurance forums or motoring fourms, where one of our experts - or even other forum members - will do their best to help.

Find Cheap Auto Insurance Rates Online

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We're all looking for the same thing when it comes to shopping for the right company; the cheapest rates from a quality insurer. That's why OnlineAutoInsurance.com is here to help. Finding the cheapest rates doesn't have to be time consuming anymore. Thanks to new technology, shopping for low rates is easier than ever. A few years ago, a consumer would have to pick up the phone and call as many companies as they could in order to find affordable auto insurance by comparing quotes. Now, online technology saves you time and money. With one simple process, you can now compare multiple quotes without having to call around.

What is not known by many consumers, is that there's no such thing as the single cheapest company for all because it may vary for each driver. For example, you may have been referred to a certain carrier because a friend of yours said their rates were very cheap; however, you called them only to find out that their insurance rates were not as expected.

The reason behind that is that a company will offer discount auto insurance for consumers that fit their profitable category. As an example, a certain company may have very few claims for married couples; therefore, they will reduce rates for drivers in the "married" category.

Our goal at OnlineAutoInsurance.com is to allow consumers to shop multiple companies in order find the company which will offer them low cost car insurance for the desired coverage.