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AUTO INSURANCE, CAN YOU DO IT YOURSELF?

Can I repair my car myself after filing a claim and keep the money
I have heard many people ask that question. Answer: yes you can. The insurance company will usually recommend a shop which they will pay directly for the repairs. But what if you happen to be a good mechanic yourself? In this article, I will examine this question, and try to give a comprehensive answer.
Lien
Lien is the right to possess property belonging to someone until they pay their debt. If you have a lien on your car, doing it yourself is not an option. Your agreement will require you to have the car repaired by a certified shop that guarantees its work. It could even require you to take it to only the shop that the lender has approved.
No Lien
If you completely own the car, you can do whatever you wish with the insurance payout. So you may repair the vehicle yourself, take it to a mechanic of your choosing, or to the shop the insurance company recommended. However, be careful because this is not guaranteed. Contracts differ, and yours might forbid you from either repairing the vehicle yourself or taking it to a mechanic other than the one recommended by the insurance company. So read your contract carefully before you act.
What effect will doing it yourself have on your coverage?
You must understand the insurer’s viewpoint. When they recommend a certified repair shop, they have confidence in the repairs. To them, the certified shop guarantees quality. But you doing the repairs yourselhttp://cars-insurances.comf complicates matters. You cannot guarantee quality. It is then understandable if they grow wary of your repairs, and begin to show an unwillingness to provide you with comprehensive or collision coverage. You see, their job is to ensure the integrity of your automobile, and after you do the repairs yourself, they can no longer credibly do that. It’s too big a risk for the company. When you get into a future accident, it is very likely that the insurer will decline to pay for any damage done to a car that was repaired by you rather than the trusted certified repair shop,
Last Word
Have an adjuster appraise the damage and give an estimate before you can commence any work. The insurance company might insist on this because it will provide a definite idea of what is a reasonable settlement of the damages, which will prevent any future misunderstandings between you and the company. Overall, though doing it yourself and pocketing the insurance payout may be cheaper, in the long run, it could cost you a lot if the insurer refuses to pay for any future accidents. Cheap can be expensive.

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HISTORY OF AUTOMOBILE INSURANCE

The car insurance policy is protected against the risks derived from the driving activity of a vehicle, including total and partial damages. At the same time, thisSafe to offer protection to the assets of the insurance for the damages that may have, if it is civilly responsible, for damages caused by third parties and injuries or death caused to third persons.Car insurance has its origin in the amparo of responsibility Civil and their origin can be determined in the year 1821, the date on which a police ordinance is issued, by which it is available that each coachman should pay 20 cents a day of his salary, which constituted a deposit for the payment of fines and For the replacement of damages (Escobar, 1960). For the year 1825, in France, a civil liability insurance was formed for drivers of vehicles and cars. However The first auto insurance policy was issued on June 2, 1902 by the Boston Insurance Company of the United States. Auto insurance has had a significant development since
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Top 5 Auto Insurance Companies in America

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If you are looking for an auto insurance company you can work with, and are eager to find out which are the top five auto insurance companies in America today, you have come to the right place. In this article, I will examine five of the best auto insurance companies in the USA and give you a good account of why they have topped the list. While choosing these 5 companies may be ultimately a subjective process, numerous experts consistently rank them highly in ranking lists. 1. Liberty Mutual Liberty Mutual is one of the longest surviving insurance companies in the country (since 1958). It is the third largest publicly held Insurance company in the US. They provide a wide selection of comprehensive packages, including auto and homeowners insurance. Today they insure over 15 million vehicles. Customers have given it top ratings for service. 2. Progressive Progressive, which has been around since 1937, trains its focus solely on auto insurance. The company h
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5 Things Your insurance agent may be hiding from you

To make you agree to take out an auto insurance policy, the insurance agent wil l hide some things from you. In the agent’s opinion, the less you know, the better for the agent and the company. Is it unethical? Perhaps. But what will you do about it? You can get angry, and say you will never take out an insurance policy, but we both know that is unwise. So what should you do? Do what I would do: learn the things they don’t want me to know, and then keep a sharp look out whenever I interact with the agent. And that’s the information I will be empowering you with today. So what doesn’t your insurance agent want you to know? 1. That he is getting a hefty commission on your insurance policy Oh but Tom is so nice. Yes, I know. But Tom is a salesperson. It’s his job to be nice. For every policy Tom sells, he receives a nice, fat commission. You are essentially paying the company to pay him. So Tom’s livelihood depends on you renewing your policy. So what woul
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