My First Mashup

Posts Tagged ‘Car Insurance’

Twenty six percent of all drivers were involved in a car accident over the last several years. When a car accident happens to you, you must be prepared for what’s next. San Diego chiropractors and spinal decompression specialists are revealing the shocking findings that you must know. It is important to know what to do after a car accident.

If you haven’t noticed by now, money buys policy and makes the laws in this country. The more money big business throws at politicians, the more rules are shifted in their favor. Take New Jersey for example in the following. They actually have a policy called pay for play. It is actually accepted for contractors to be awarded large contracts based on the size of their political contributions to political campaigns.

Insurance companies have been playing an “undercover” game of pay for play for a long time. The big difference is when contractors in New Jersey are awarded jobs as political favors, it takes money out of the pocket of someone who really deserves it. When insurance companies play this game, lives are ruined. This especially occurs when it involves car accident injuries. Here’s is why. There are approximately 6.4 million car accidents each year. There are about 3 million car-related injuries a year and 2 million permanent injuries. Nearly 43,000 people died in car accidents in 2002, reports the U.S. Department of Transportation’s National Highway Traffic Safety Administration. And finally, about 26% of drivers have been involved in a car crash in the last 5 years.

Almost all Americans will be involved in at least one motor vehicle accident at some time in their life. So what do insurance companies do with all these accidents and injuries they don’t want to pay for? Besides political lobbying, they fund research and fight every single claim.

Dr. Arthur Croft is one of the world’s leading experts on whiplash and car accident injuries. Here’s what he says about the situation: So it seems quite clear that the playing field is not level. It’s the Fortune 500 against the doctors and their patients, and the score is about 3-1. They send the principles of this work as expert witnesses to refute injury in low-speed impact cases. The companies carefully forbid the publishing of any work that fails to serve their interest, thus denying any fair peer-review from within the scientific community. This juggernaut of non-science has inculcated the legal world by spending literally billions of dollars fighting even relatively insignificant claims. They seem finally to have impressed attorneys that it simply is not worth their effort to pursue such claims. The insurance industry has funded their own research.

Insurance companies use this information that they created to deny claims and refuse paying for your treatment. The fact of the matter is that low-impact car accident injuries are largely misunderstood in society. Many times injuries and pain are not apparent at the time of the incident. Some injuries are even missed by emergency room technicians.

Another big insurance company myth is if you don’t have damage to your car than you can’t be injured. This is simply not true. The amount of damage to your car doesn’t accurately reflect the amount of injury to the person inside the car. Studies show that injuries can occur at impact speeds of less than 5 miles per hour, when there is little or no damage to the car. When modern day race cars crash, they are specifically designed to easily break apart, and the driver usually walks away alive. This is because as the race car breaks apart, the energy is being absorbed by the flying parts and not by the driver.

The cars of today are built to absorb low speed impacts without significant damage to the bumper. This creates a problem. The problem is that instead of damaging your car, the energy of impact is transmitted to the person in the automobile. This is similar to the energy from one pool ball is transferred to another upon impact. This is simple physics which is completely ignored by profit minded insurance companies. This proves you can actually be injured worse when your car has no damage then when it flies into a million pieces.

Most people don’t realize even though they walk away from a minor car accident “without a scratch” there is a good chance, if left untreated; it is very likely they could develop a serious problem later in life. This will cause a lot of pain and suffering. So, if you get in a little “fender bender”, how do you know if you are injured? What should you do? Simply put, whiplash is when your car gets struck and your body moves faster than your head can react. Your muscles, ligaments, discs, nerves and spinal joint get stretched out and injured. Sometimes some of these neck structures are actually torn. Many times these injuries are not felt for hours or days. Other times your body reacts immediately. Muscles form a protective cast around the injured area by tightening up and going into spasm. This spasm acts as a protective “cast” so you don’t move your neck too much and make the injury worse. Spasm also removes the normal curve in your neck and can lead to permanent arthritic changes if left untreated.

Chiropractic care is extremely important for the care of whiplash injuries because it helps restore the spinal curves and normalize motion in the injured area. If these curves are not restored and proper motion is not brought back to the area, there is a chance of chronic neck and back pain.

In 1999, the Journal of Orthopedic Medicine published the results of a study designed to determine if chiropractic care helped chronic whiplash. 100 patients were divided into three groups and treated on average for four months. The authors of the study concluded, “The results from this study provide further evidence that Chiropractic is an effective treatment for chronic whiplash symptoms.” Studies prove time and time again that chiropractic works for chronic whiplash Injuries!

If you have been injured in an auto accident in San Diego, visit New Century Spine Centers to get your spine evaluated. It is important to note that there is a good chance you have been injured in a car accident and should have a complete chiropractic examination, even if there is no damage to your car and you don’t have any immediate pain or symptoms. If you don’t, you may be setting yourself up for constant pain and suffering.

Want to find out more about car accident injuries, then visit New Century Spine Centers site on how to choose the best chiropractor for your needs.

If you drive, or even if you just own a car, you need car insurance. But how do you know which policy to buy.

First of all, make sure you understand what the policy does and does not cover. If the policy doesn?t provide the coverage you need, then ask your insurance provider to come up with a new policy quote. While you are required to have car insurance, you also need to make sure the insurance coverage will take care of you in case of an accident or vehicle breakdown. Get all insurance quotes in writing. Having a written record of the quote prevents the car insurance provider from trying to raise the price on the premium if you decide to purchase the insurance.

If you also insure a home or you life, you may be able to take advantage of a feature called bundling. Bundled policies are all provided by the same company. Insurance companies like to provide all your coverage, and usually offer you discounts. They will also work with you to choose the due date for your premiums that best fits your budget, whether that’s all your premiums on the same day, or staggering your premiums so they do not all hit at once.

Where you live impacts your insurance rates. Car insurance is more expensive in metro areas than in rural areas, especially if you own an expensive car. More expensive cars require more expensive car insurance. You will also want to check your car?s safety rating. Safer cars are cheaper to insurance, while flashier models cost more.

Ask your insurance provider what discounts are available to you on a car insurance policy. Many providers offer discounts for senior citizens, members of the military, women, multiple cars, multiple drivers and multiple policies. You might also be eligible for a premium discount if you belong to certain organizations, such as the AARP, or a specialty club. If you have a teen driver in the family and the teen is a good student, ask your insurance provider if they have good student discounts. Good students are viewed as responsible, which helps lower the risk in the eyes of the insurance provider. Your teen could also enroll in a basic or defensive driving course to help lower their insurance premium rates.

Finally, it’s always a good idea to shop around. Get multiple quotes on your auto coverage. There’s always a possibility that another company will offer you better coverage at a lower price?it happens all the time. The insurance companies make it easier to shop around that it used to be, especially if you are comfortable looking for coverage on the Internet. Do you research to find out the discount programs that may save you money, the risk assessment for your neighborhood, and the safety rating of your vehicle? Going to your insurance broker armed with information makes it much more likely you will get the lowest possible rates.

No matter what your auto insurance needs, always deal with professional, licensed insurance brokers. They can go over your situation and tailor a policy to your precise needs, as well as answer all your questions.

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.

Finding a suitable insurance for your car must be high on your list of priorities and you need to do a fair amount of research looking for the appropriate policy prior to choosing your car insurance. Comprehensive planning and some wise thinking and endeavour on your part can save you from making too much expenditure on your policy.

The process begins at the time of purchasing your car. Prior to picking a car model, you must deliberate upon the kind of car insurance that is suitable for that model, and how costly it would be. It is recommended that you ask for online quotations from many car insurance firms, since these prices are cheaper than the rates you find offline.

Remember that it is cheaper to pay the annual premium in a lump sum, in which case you avoid the interest levied on payments made in monthly break ups. So it is recommended that you pay the whole premium completely right at the time you are getting the car insurance.

Expenditure on car insurance can also be reduced by maintaining a clean driving record. In a number of nations, this is one of the primary considerations for companies when calculating the price of insurance for your car, as it informs them of the risk they are undertaking. Another technique to reduce your premiums is to install technologically advanced security devices such as anti theft equipment.

You must also continue being a customer of your current insurance provider, as most companies ask for lower premiums from loyal policyholders. However, you must stay abreast of the latest policies offered in the market and ask for concessions prior to renewing insurance with your provider.

While cost is a crucial consideration, you should always pick a suitable insurance, which covers a number of unforeseen incidents like robbery, natural calamities, and other mishaps. A rightly selected motor insurance policy that serves your requirements and doesn’t cost you dearly is a great investment which will provide you safety from unforeseen events.

Learn more about reasonably priced car insurance and get a free car insurance quote in an instant.

There are a lot of car insurance companies in the market, with each one proclaiming itself to be superior and more affordable than the other. That is the reason why it becomes important that you carry out a detailed study and stick to a few basic principles before you buy insurance for your car.

The first task is to determine your exact insurance requirements. If you are in a moderate risk group, it might be advisable to go for lesser insurance. It might expose you to some risk, but it is a lot cheaper and the benefits might outweigh the costs.

You must also consider your budget and then choose the car insurance product. A lot of firms offer concessions and incentives, and you should be able to negotiate the extent of coverage you can obtain for the price you are ready to pay. However, the firm with the cheapest car insurance quote might not be the best one in case of a mishap. Hence, you should carefully go through the documents of the insurance policy and acquaint yourself with the premiums and claim privileges.

The agents of the firm are very good indicators to evaluate the services of the car insurance company as they project the company’s seriousness towards customer service. You can be sure of yourself to be rightly taken care of if your agent is capable, knowledgeable and friendly.

Another important thing to do would be to conduct a quick study on the history of the car insurance companies that you believe might fit your requirements. By looking at their performance in the market or depending on the data that you gather from different sources, you can have a fair idea about the company’s dependability and reputation. By reading opinions of people in various online forums and by doing some internet based research, you can judge the insurance organization even better.

It is essential to question the car insurance provider about any confusions that you might have, and precisely what is expected from your side in case of a mishap. In the end, you should strike a deal that fits well into your scheme of things.

Learn more about reasonably priced motor insurance and get a free car insurance quote in an instant.