Insurance Articles by A-1 Auto Insurance
What to Do If Your Vehicle Is Stolen
It’s everyone’s worst nightmare – returning from the parking lot only to discover that your vehicle has just been stolen! Unfortunately, this is an unexpected event that no one ever expects to happen. That’s why it can be so upsetting trying to figure out what to do after the initial shock.
We’re going to discuss some steps you should take after your vehicle is stolen. Hopefully, it will make the entire process a little easier to bear. Remaining calm and following some simple procedures will increase the chances of having your stolen vehicle recovered.
1.
Call the Police
As soon as you discover that your car has been stolen, be sure to immediately contact the police. Provide a detailed description of your vehicle, as well as any unique features that may help them locate it. Remember to include your license plate number and a description of where the theft occurred. The faster you report the crime, the greater the chances you will have your car retrieved with minimal or no damage.
2.
Follow Police Instructions
As difficult as it may be, you need to try to remain calm and resist the urge to become a vigilante. Instead of searching for your stolen vehicle yourself, follow all of the instructions from your local police. This may include submitting paperwork, a copy of your insurance papers or your vehicle registration to the police department. Complete all of these requests as quickly as possible, so the police won’t lose any valuable time searching for your missing vehicle.
3.
Contact Your Insurance Provider
Once you have submitted all of the necessary paperwork to the police, you should call your insurance company. Your agent can start to process your insurance claim, while the police continue to search for your stolen vehicle. You should also qualify for a rental car at no cost, so don’t delay in contacting your insurance company. They deal with insurance claims on a daily basis, and can walk you through the necessary steps to try and recover your vehicle.
4.
Contact the Police If You Find Your Car
You may end up locating your stolen vehicle before the police. If this is the case, don’t approach the car. Immediately contact the police instead and advise them of the exact location. You don’t want to risk facing the thief who may be hiding nearby. You also run the risk of damaging evidence inside or outside of the vehicle which may lead to an arrest.
Here are some common insurance questions:
What are accelerated death benefits?
Any insurance policy that offers accelerated death benefits pays partial or full policy death benefits while you are still living. However, there are various conditions that need to be met. For example, you need to provide proof that the policyholder has a terminal illness and is not expected to live 12 months, is living in a nursing home or other long-term care facility or has a specified disease that is life-threatening. For group term life policies, you are limited to receiving an accelerated benefit or 50% of your death benefit or $25,000 — whichever is higher. You should also be aware that the proceeds may be taxable and you may no longer be eligible to receive certain government benefits or Medicaid if you accept a payment from an accelerated death benefit policy.
What are accidental death benefits?
This type of benefits is paid to the beneficiary of an individual who has purchased a life insurance policy with an accidental death clause or an accidental death insurance policy and who dies due to an accident. This type of insurance policy requires an examination into the cause of death to determine if the policyholder has satisfied the specific policy’s definition of an accidental death. Many accidental death insurance policies will also pay benefits to a policyholder who has suffered a bodily injury that results in certain types of dismemberment. There are certain double or triple indemnity policies that will pay out two or three times higher than the policy’s face value. You should note that accidental death benefits are not normally paid for injuries or deaths resulting from any type of noncommercial aviation, illegal activities or war. An insurer must meet certain age requirements, and his/her death or dismemberment must occur within a predetermined time period following an accident in order to qualify for accidental death benefits.
What is an HMO?
An HMO or Health Maintenance Organization is one comprised of healthcare facilities and staff that provide a wide range of health services to an enrolled group of individuals for a set amount of prepaid money for a specified time period. The provided health services may include inpatient or outpatient hospitalization, ambulance service, medical consultations and treatments and home health services. They may even include certain pharmacy or dental services. An HMO plan will also cover the cost if you must visit a specialist such as an oncologist if your insurance provider gives you a referral.
|
|
What is homeowners insurance?
Why do you need health insurance?
Why do you need life insurance?
How Does Your Credit Score Affect Your Insurance Rates
Why You Need to Report That Accident
How to Collect on an Insurance Claim
How to Prevent Vehicle Theft
What to Do If Your Vehicle Is Stolen
Obtaining Affordable Auto Insurance If You Have a High Credit Score
How to Obtain Affordable Business Auto Insurance
Factors That Affect the Cost of Liability Auto Insurance
How to Avoid Driver Distractions
Resisting Road Rage
Qualifying for Military Auto Insurance Discounts
Obtaining Auto Insurance for an Out of State Move
Obtaining Teen Auto Insurance
How to Lower Your Auto Insurance Rates
Avoiding the Temptation to Drink & Drive
Submitting a False Insurance Application
All About Assigned Risk Insurance
Don’t Rely Solely On Price When It Comes To Auto Insurance
How to Avoid Insurance Fraud
What You Need To Know About First Time Driver Auto Insurance
The Top Ten Steps to Avoid Insurance Fraud
How to Obtain DWI Auto Insurance
Save Money by Changing Your Auto Insurance
Insurance Tips
All About High Risk Auto Insurance
SR22 Insurance
International Auto Insurance
How to Obtain Auto Insurance with A DUI
Obtaining Auto Insurance For Hard to Insure Vehicles
Components of Auto Insurance
Obtaining an Auto Insurance Student Discount
State Auto Insurance Minimums
MINIMUM STATE AUTO INSURANCE REQUIREMENTS
Car Insurance for Female Drivers
Purchasing Direct Auto Insurance
What You Need to Know About Family Car Insurance
How to Obtain Affordable Car Insurance after a Divorce
When You Should Disable Airbags
Car Accidents Often Occur Very Close to Home
All About Personal Injury Protection
Do You Need Small Business Car Insurance
Discover the Facts About Safe Car Insurance
The Limitations of Auto Insurance
No Credit Check Car Insurance
Insurance Policy Cancellations
What You Need to Know About Short-Term Car Insurance
Reviewing Auto Insurance Rates in Various States
All About Classic Car Insurance
Obtaining Seniors Auto Insurance
How Cell Phones Affect Car Insurance
Temporary Auto Insurance
Finding an Affordable Auto Insurance Policy
Learning More About Gap Car Insurance
Comparing Vintage & Regular Auto Insurance
Discover the Facts About No Fault Auto Insurance
The Facts About Commercial Auto Insurance
Everything You Wanted to Know About Term Life Insurance, But Were Afraid to Ask...
Think Your Lifestyle Has No Effect On Life Insurance Rates – Well, Think Again!
Discover the Various Types of Life Insurance
Useful Tips for Purchasing Life Insurance
Protect Your Small Business With Term Life Insurance
Purchasing Life Insurance Coverage For Your Children
When Should You Opt for Term Life Insurance?
What to Do If You Lose Your Life Insurance Policy
The History of Whole Life Insurance
The Main Differences Between Term Life & Whole Life Insurance
Whole Life Insurance Glossary
What You Need to Know About Variable Life Insurance
Learn More About the Different Types of Whole Life Insurance
Purchase Life Insurance Before It’s Too Late: Discover Why You Should Act NOW!
Insuring Your Spouse with A Life Insurance Policy
Discover the Many Benefits of Life Insurance
Everything You Wanted to Know About Universal Life Insurance
Discover the Facts About Term Life Insurance
The Advantages of Purchasing Whole Life Insurance
10 Important Facts About Purchasing Life Insurance: Discover the Secrets…
Save Money By Comparing Term Life Insurance Quotes
Discover Where to Obtain Whole Life Insurance
Return of Premium Term Life Insurance is Making A Comeback
What You Need to Know About Key Man Life Insurance
The Many Functions of Whole Life Insurance: Why You Should Consider It
The Benefits of Buying Term Life Insurance Online
Should You Combine Term Life & Whole Life Insurance?
How to Select A Beneficiary
The Dangers of Letting Your Life Insurance Policy Lapse
What You Need to Know About Mortgage Life Insurance
Discover How to Obtain Affordable Life Insurance… Even If You Are Over 50
The Benefits of Joint Term Life Insurance
Choosing Life Insurance to Accommodate Your Changing Needs
Purchasing Life Insurance for Newlyweds
All About Fixed Term Life Insurance
What Women Need to Know About Purchasing Life Insurance
The Importance of Life Insurance For Young Individuals
Permanent Life Insurance or Term Life Insurance: Which One is Right For You?
Are You Aware of Additional Life Insurance Options?
Learn More About Rider Benefits
How to Save Money When Buying Term Life Coverage
Choosing Between Term Life & Whole Life Insurance If You’re A Young Adult
What You Need to Know About Short-Term Life Insurance
Do You Actually Need Life Insurance… Read On to Find Out!
How Life Insurance Can Protect You When You Purchase A House
Discover the Flexibility of Whole Life Insurance!
Should You Switch to A Whole Life Insurance Policy?
Wonder How Insurance Companies Calculate Your Premiums?
Do Something Positive For Your Health & Your Pocketbook & Quit Smoking
Deciding Between Whole Life & Term Life Insurance Once You Retire
How to Obtain Life Insurance Coverage If You Have A Medical Condition
The Importance of Key Person Life Insurance
Discover the Premium Payment Options for Whole Life Insurance
How Can A Life Insurance Policy Protect Your Loved Ones?
Discover Why You Should Purchase Life Insurance NOW!
Why Is Return of Premium Life Insurance Increasing in Popularity?
How to Find A Reputable Life Insurance Agent
Using a Life Insurance Policy to Pay off Your Home
The Basics of Life Insurance
How to Protect Your Family with a Life Insurance Policy
Discover the Facts About Child Life Insurance
Weighing the Advantages of a 5 and 10-Year
Term Life Insurance Policy
The Many Benefits of Term Life Insurance
Should You Buy A Whole Life or Term Life Insurance Policy
If You’re Single?
Deciding Which Whole Life Policy Best Meets Your Needs
Discover the Security of Term Life Insurance
When Should You Update Your Life Insurance Policy?
Determining How Much Life Insurance Coverage to Purchase
Term Life Insurance: One of the Most Affordable Options
Benefits of Offering Group Life Insurance to Your Employees
The Importance of Life Insurance for Stay-At-Home Parents
How to Simplify the Process of Comparing Life Insurance Rates
The Importance of Selecting Your Life Insurance Beneficiary
Deciding on Term Life or Mortgage Insurance
How Are Life Insurance & Health Insurance Rates Determined?
Preparing Your Family Members So They Know How to Collect Life Insurance Death Benefits
Do You Know What Your Life Insurance Coverage Includes?
Learn More About Joint Term Life Insurance Learn More About Joint Term Life Insurance
Why You Should Consider Whole Life Insurance If You’re Young
What You Need to Know When Applying For Life Insurance
Purchasing Life Insurance For Married Couples
Whole Life Insurance for Young Children
How To Purchase Life Insurance Without A Medical Exam: Discover the Pros & Cons
When Is Whole Life Insurance Preferable to A Term Life Policy?
Life Insurance: A Great Way to Plan Your Financial Future
5 Ways to Pay Less For Your Insurance Premiums
Looking for the Perfect Gift This Christmas: Choose the Gift of Life Insurance
Buying Whole Life Insurance When You’re Healthy & Young: Discover Why It’s Best Not To Wait
The Pros & Cons of No Examination Life Insurance
Discover 7 Easy Ways to Pay Less for Life Insurance
What You Need to Know Before Purchasing Life Insurance
Term Life Insurance & Buying a House: An Effective Partnership!
Determining the Amount of Term Life Coverage to Purchase
Dealing with Life Insurance Issues When You Divorce
Why Purchase A Term Life Policy?
|