How To Get Even With Your Car Insurance Company In 10 Easy Steps – Part 2

In Part 1, we detailed the first five strategies on how to slash your car insurance costs. In Part 2, we show you the second four.

STEP 6 – Review, Change or Cancel No Mistake & PIP (Personal Injury Protection)

No-Fault Coverage, and it’s really Twin – PIP – started out as great idea’s. Your premiums were actually going to be lowered. Then, your State Politicians got involved (at the urging of Insurance policies Lobbyists, of course) and mucked it up.

You see, no-fault insurance coverage was originally intended to have each individual’s lessening, covered by their own convicted driver insurance company – no matter who was responsible.

Today, in many States, car insurance companies are making a ton regarding on no-fault because the insurance companies convinced State law-makers to help make “modifications. “

Today, because of the these changes, car insurance agencies have actually used the no-fault laws to reduce payments at a claim made by a customer, instead of reducing car insurance premiums as it was supposed to do.

So , premiums keep going up-and-up and insurance companies finish up paying less for claims – Someone’s getting high on that deal…. and it’s not you.

And to make counts worse, some States (with really, really talented Insurance cover Lobbyist’s) also require an additional premium be paid atop the no-fault premium. This beauty is called Personal Injury Coverage (PIP).

PIP is a “wide-blanket” of coverage and can produce Collision Coverage, Hospitalization, Social Security Disability, Workers Comp, Very own Disability Insurance & Life Insurance.

The problem with PIP and what it covers is….

You already gave most, if they are not all, of these coverage’s anyway, don’t you? So , you’re compensating twice!

So , you need to do a couple of things:

Google “minimum levels of recommended auto insurance” to see if No-Fault Insurance and/or PIP Is called for in your State;

Then, check your policy. If it’s not required by your Say to have No-Fault/PIP Coverage and it’s on your policy – get rid of it. If No-Fault/PIP is required by your State…. take the most critical minimum. Here’s how.

If you must have No-Fault/PIP, ask for and become a deductible from your car insurance company.

STEP 7 – Cancel Medical related Coverage.

Medical Coverage, on most car insurance policies, is a swear to pay “reasonable” medical expenses for anyone who is riding in your car in case you have an accident… as well as anyone in your car should it get hurt by someone else.

Cancel it. You don’t need it.

Why is that everyone say? Well, medical coverage as part of your car insurance policy is a content of your own:

– Medical Plan; – Any Life Insurance Coverage you’ve got, as well as; – The Liability Sections of almost every car insurance policy written on the U. S.

Think of it this way…. Do you have a Health/Medical/Hospitalization Plan through work or an Association you belong to?

Then simply why are you paying premiums for Medical/Hospitalization Coverage for your Car Insurance Policy?

Here’s what’s going to happen when you tell the car insurance corporation or Agent that you “Don’t want the Hospitalization/Medical Insurance plan. ” You’re going to hear very slick “scare tactics” that can help change your mind.

The insurance company employee will say “Well, if you’re inside an accident, and it’s your fault, who’s going to cover the very medical bills for any injured passengers in your car? lunch break

Here’s your answer. Your family is already covered by your Health/Hospitalization Plan. If anybody else is in the car and they’re in pain – they’re covered by your Bodily Injury Liability coverage are really already paying for…. and their own Health/Hospitalization Plan.

So make the purchase anyway – save some more money and get rid of this coverage.

MEASURE 8 – Cancel Death, Dismemberment & Loss of Vision.

Do you have any of these coverage’s on your existing car insurance policy? If so instant cancel them.