Auto Insurance Secrets Insurance Companies Don’t Want You To Know
Saving money with auto insurance secrets. Who doesn’t love driving around town in a new set of wheels? Or visiting their in-laws in a new exotic car they just bought? We all do. However, driving these beauties come at a huge cost because of the casualties they can cause and because, in the economic sense, they are liabilities. These are the reasons why auto insurance brokers earn big bucks working for large auto insurance businesses like Safeway Auto Insurance.
Moreover, Safeway Auto Insurance recognize that the industry norm is to keep customers in the dark concerning some crucial secrets that could save them some money or make them enjoy their rides better. Below are some of the top secrets auto insurance companies do not want you to know about.
1. You have the right to a lawyer and never sign anything before getting one.
In 1999, Consumer Panel Survey of Auto Accident Victims revealed that injured victims received as much as 40% more money on average by consulting a lawyer prior to signing any document. Additionally, it revealed that whenever injured victims were represented by lawyers, they were paid as much as 3.5 times more money on average. So, regardless of how an auto insurance broker or the adjuster appeals or smiles with you after an incident, never sign any document before contacting your lawyer.
2. No auto insurance broker is allowed to increase your premium if you were not responsible for an accident.
Raising premiums is a constant desire for most auto insurance companies. However certain state laws restrict such a practice should a person not be found culpable for an accident. Meaning in some states such as Florida, the auto insurance firm has no right to increase your premium for an insurance you did not cause. The same is not the case in Baltimore and New York.
3. You have the right to remain silent.
After an accident, it is safe to assume that any adjuster that calls concerning the accident is from the auto insurance firm. They are smart professionals engaged to verify claims, but most insurance brokers do not want you to know that. Their aim is to gather information and identify loopholes to deny liability. Never speak with an adjuster without adequate legal representation as you have the right to remain silent till you do. Similar to police encounters, “anything you say can and will be used against you in the court of law”.
In conclusion, never forget that most auto insurance brokers are employees of a profitmaking organization and they are trained to save their company’s bottom line at any cost. However, going against the grain, we at Safeway Auto Insurance believe in equity and human empathy, so we ensure all our processes are geared towards satisfying our customers. We never indulge in the Auto Insurer 101 practice of Delaying, Denying and Defending because we want to be vital in creating a fair society for everyone.
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