Insurance Claim

“Big Rig” insurance is essential for the independent owner/operator. In today’s highly competitive commercial trucking industry, an owner/operator has to be a shrewd businessman, and get the best insurance for the lowest premium.

Are you a person that loves sun-drenched afternoons cruising on mountain roads or along the coastline? Can you close your eyes and see the highway stretch out before you all the way to the horizon?

Your big rig may be your family business. Do you hit the road with your wife as a driving team?

Are you a person who enjoys the freedom of being your own boss as an independent owner/operator? Or are you a leased operator?

Do you own more than just one truck?

No matter what your motivation is for owning and operating a commercial semi truck, you will need commercial truck insurance. But all commercial truck insurance policies are not the same.

Here are some features and coverages you should look for when shopping for commercial truck insurance:

• Only accept an A-rated insurance company so you’ll have peace of mind knowing that your insurance company has the financial strength to take care of you when covered losses occur.
• Comprehensive Coverage - protection for non-collision losses, such as fire, smoke, windstorm, theft, lightning, hail, animals, vandalism, even low branches and overhangs.
• Replacement Cost coverage - on your personal property that is stolen, damaged or destroyed.
• Physical Damage/Collision coverage - when your vehicle runs into something.
• Replacement Cost Coverage on the vehicle, which pays to replace your vehicle with a brand new one of like kind and quality. Most policies only pay the Actual Cash Value for a total loss.
• Liability limits - buy high liability limits, it’s inexpensive coverage. Skimp on other coverages but don’t skimp here. Personal injury attorneys love truck accidents and get big jury awards.
• Attached Accessories Coverage - includes running lights, antennas, chrome, custom wheels, custom paint, satellite dishes, and such. Many insurance policies don’t cover customizing equipment. Make sure yours does.
• Non-Trucking Liability, or“Bob-Tail” coverage - takes care of you when you’re using your rig at times you’re not under dispatch.
• Motor Truck Cargo Legal Liability - covers your load against damage from certain causes.
• Trailer Interchange coverage - if you have a trailer interchange agreement, you need this coverage to protect you while you're in possession of a container or trailer that you don't own.
• A trailer interchange agreement is a contract that arranges to transfer a trailer from one trucker to another in order to complete a shipment.
• Refrigeration Breakdown Endorsement - provides coverage up to a separate limit shown on the schedule for spoilage of perishable stock while the stock is in transit on a vehicle.
• Non-owned trailer - this is third party coverage for a trailer that you are hauling owned by another entity.
• Emergency Expenses Coverage - pays for lodging or travel back home if your unit is damaged or destroyed by a covered loss more than 50 miles from home.
• Towing and Roadside Assistance - first dollar coverage, no out-of-pocket costs for towing, flat tire changes, fuel delivery and locksmith services.
• Occupational Accident Coverage - pays your medical bills for certain covered accidents while you’re working. Crucial coverage if you do not carry health insurance for yourself.

We may need more information from you such as driver and equipment lists, MVR's and loss runs.

Commercial trucking insurers also offer a variety of discounts, such as:

• Multi-Unit
• Multi-Policy
• Safety Course
• Prior Insurance
• Renewal discount for maintaining continuous coverage

You will also find a wide choice of deductibles and payment plans available. Choosing higher deductibles will lower your premiums. Flexible payment plans will help you manage your budget.

By using these strategies, you’ll have the best chance at having fun cruising the roads in your “Big Rig!”

Get your best Big Rig commercial truck insurance quotes at: www.InsuranceQuoteHQ.com

Quotes are always free...you NEVER spend a penny for a quote. And, there is NEVER any obligation to buy.

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The first report is “Five Things To Avoid When Buying Car Insurance.”

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Insurance quotes are a terrific way to help lower your monthly expenditures. I used a quote service earlier this year and saved $590 on my homeowners and car insurance package.

In today’s economy millions of people have lost their jobs. Millions more will lose jobs as the economy worsens. Millions of unemployed persons have stopped looking for new jobs, which skews the national unemployment figures, and makes the unemployment rate appear smaller than it actually is.

Some people have had to accept pay cuts just to keep their jobs. Add to that the number of unemployed people who just closed an economy-sensitive business.

I have a good friend who is a home designer. She has been in business for over 25 years, and was a nationally-renowned designer. In 2008, her business stopped like turning off a water faucet. She has just gone out of business. Will her business ever come back? No one knows.

Colleges and universities across America just finished commencement ceremonies, where tens of thousands of young graduates got their degree and a handshake. However, job prospects look bleak for this graduating class. According to an ABC News story, last year over 51% of graduates had a job when they left school. This year, the number is only 20%. But they still live in homes and drive cars every day.

An increasing number of people are allowing their insurance policies to lapse, or they are cancelling them outright. They simply made a decision that they cannot pay the premiums anymore.

What a horrible and tragic decision! Cancel your cell phone...your cable TV...your internet connection...your gym membership...your electrical service. But don’t go without insurance!

“Cancel my home’s electrical service??” I hear you sputter. “Have you lost your mind?”

Listen to me. You could temporarily live without electrical service in your home and your life would not be destroyed. But just have ONE insurance loss without coverage, and your financial life could easily be destroyed for the rest of your life.

A fire could wipe out your home or business. An auto accident could destroy your vehicle. If the accident is your fault, the claimant could sue you for damages, which could run into the hundreds of thousands of dollars.

In every example shown above, those people have homes, cars and businesses. In the area of auto ownership, every state in the USA and every Canadian province requires auto insurance by law. So, if you cancel your auto insurance, not only are you without coverage, but you are also committing a misdemeanor in most jurisdictions.

In addition, if your home, business or vehicle is financed, your lender requires you keep Property coverage on the property at all times. If the lender finds out that you have cancelled your coverage, they likely have the right to declare you in default on your loan, and require payment of the balance. They could repossess your car, home or business. At the very least, they could purchase coverage on your car, home or business property for the loan balance and charge you for it. This is called “forced-placed coverage,” and is very expensive, inferior coverage.

Before you make a choice to cancel your insurance policy, stop and consider getting insurance quotes that could lower your insurance premiums.

The process of getting insurance quotes is simple and IT COSTS YOU NOTHING! All you have to do is go online and use the search term “Insurance Quotes.” You’ll find hundreds of quote websites, all eager to get that quote for you.

Simply fill out an easy information form, giving the quote services details about what you want to insure and submit the form. Within minutes, you’ll begin receiving contacts from agents and insurance companies who want to compete for your business. Make sure that the coverage quoted are the same, and choose which vendor offers the best deal. Most times, the agent will do all the paperwork for you if you are switching from one company to another. Then, choose your new insurance company and breath easier with YOUR SAVINGS!!

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Shopping for car insurance can be confusing, frustrating and expensive. But you can save hundreds of dollars annually if you’ll use the strategies listed below.

Remember, folks. I’m an insurance adjuster. I’m the guy that keeps the promises that the insurance company makes. So, I bring a perspective to this topic that comes from years of handling insurance claims, not selling policies.

When I get a claim, it means someone who drives and owns a car bought car insurance. Then, something happened and there was a loss. Then, the policyholder submitted a claim to their insurance company.

But, at that point, the policy is already in place. The contract has been signed. The premium has been paid. This is NOT the time to find out that the coverage YOU THOUGHT YOU HAD is different from the contract.

Unfortunately, this is the most common moment when people find out their car insurance is not going to work like they had hoped. And do you know who it is who gets to break that news to the policyholder MOST OF THE TIME?

The Agent who sold the policy? No.

ME!! The Adjuster!

So, in an effort to help you buy the right car insurance, here are five tips when you are shopping for car insurance.

1. Get at least three quotes. Ask your friends, neighbors, relatives and co-workers who they have chosen for car insurance. Ask them for good and bad experiences. Five quotes would be better. Also, start shopping about three months before your renewal date, so that you have plenty of time to make a smart decision.

2. Choose high deductibles and high liability limits. Choose the highest deductible your budget will allow. Choose higher liability limits than just the minimum limits that state law requires. In today’s world, personal injury is expensive, and jury awards are always high. What happens if you only have $50,000 liability coverage, and a jury awards a claimant you injured $250,000?

3. In your quotes, make sure that all the coverages are as close to identical as possible. Agents are adept at switching around coverages to get the premium lower. Make sure you are comparing “apples with apples.”

4. Try to bundle your coverages with one company. Most insurance companies who write car insurance also write homeowners and renters insurance. They will give you significant discounts if you will place both your car and home insurance with one company. But, let your calculator be your guide.

5. Don’t do business with a company that gets a lot of complaints. Phone the Department of Insurance in your state. Ask them if they have a report that lists the number of complaints that they receive about insurance companies. (I just wrote an article about this recently, so I know that some states do have reports like that.) If the company you want to buy your car insurance from gets lots of complaints, DON”T USE THEM! Go on to another insurance company.

Well, that’s it for now. If you will use these strategies, you’ll buy your car insurance and save money. That will make you smarter than most people.

Remember this. Buying your car insurance wisely is best. However, at claim time, the insurance companies will not tell you the claims process that you should use to collect every dollar you are entitled to collect. But I will.

To find out more about how to take control of your insurance claims, and add hundreds or even thousands more dollars to your claim settlements, check out my website at: www.insurance-claim-secrets.com .