Review a Teen’s Auto Insurance Before College Begins

Many students are starting the exciting time of going to college this fall. In the hustle to get dorm room furnishings, books, and all the comforts away from home settled, it is important to review your teen’s auto insurance. You first want to check if the auto that your teen drives has their name on the title. If it does, your son or daughter will need to have their own auto insurance policy.

It is critical that an insurance company knows the car will be based mostly on campus. Car insurance rates can come down if the location of the school is drastically different than the primary residence. Universities in rural or small towns can lower premiums more than urban areas where there is more risk.

Otherwise, if the title is still in a parent’s name, your child can remain an insured driver on your policy. Many companies will want to know that your child still lives at home during breaks and is technically a resident in the home.

Luckily there are still ways for your teen to save on car insurance. Good student discounts and a continuing good driving record will help keep costs down. The vehicle driven, how much your teen drives, and safety features of the car can also affect the premium. Many parents also review the policy coverage amounts to ensure that their teen is protected when they are away from home. It’s the first time that a parent cannot be there for their child at every obstacle that life presents, so reviewing the bodily injury, personal injury protection, uninsured/underinsured motorist, and collision coverage is important.

Parents should take the time to also have an honest discussion with their teen. Explain that you know college is an exciting time, but drinking and driving and distracted driving can have serious consequences. Teens sometimes let others drive their vehicle and while this is a scary thought for a parent, it is better to discuss this ahead of time so that your child can be smart and remember the discussion when confronted with a challenging situation. It is crucial to remind your teen that it is important to stay alert when driving back and forth from college, including if they have to work off campus while going to school.

In Florida, AGIC Insurance, Inc. has assisted many parents and college students to get reasonable Florida auto insurance. They will help you shop around for the best policy and get peace of mind that your teen will be protected while going to college. AGIC has installment payment plans too so that individuals and their families can make the insurance work to fit their monthly budgets. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.

The First Steps After an Accident are the Most Critical

After an accident occurs, many people become frustrated about the first steps they should take. The drivers should definitely exchange information and insurance contact numbers so that any vehicle or personal injuries can be taken care of in a timely manner. Be sure to not get in a confrontation with the other driver, as unfortunately you do not know the caliber of the person that has just hit you and how they could harm you.

The police should be called so that a full crash report is completed. This is critical so that the insurance company can compensate you for damages and shows who or what caused the crash. Otherwise a crash can become a situation of one word against another person’s. Especially if you find that the other driver is uninsured, you want as complete a record of the accident as possible so your insurance company can pursue action against them. Also, if you have suffered physical injuries you should seek medical attention immediately.

Taking pictures at the scene of the accident is helpful to your insurance company to show the fault and extent of the damage that the other driver caused. Same goes for any eyewitnesses. Their contact information and statements make your claim stronger. As soon as possible, call your auto insurance company to start a claim against the other driver’s insurance.

From here, you will want to get repair estimates to know how much it will be to fix your vehicle back to normal. Drivers should get quality parts to repair the auto and a paint job as needed to fix cosmetic damages. An insurance company will want to get a printout of the itemized list to then assess the costs. This is when the insurance claims adjuster will sometimes get in touch with you to inspect the vehicle, meet with you, or contact the auto repair shop to verify the extent of the damage.

When the adjuster signs off on the repairs needed, a check will be sent to you for that amount. A property damage release will then be sent to close out the claim file. At this point, no more claims can be made due to the accident, so be sure to know the full extent of your auto damage and medical concerns at this time.

The Florida auto insurance company AGIC assists drivers in getting quality medical care and auto repair after an accident. They have preferred provider networks that equal big savings for drivers throughout the state. AGIC Insurance, Inc. also has innovative deductible-reducing programs after an accident occurs when drivers go through these preapproved networks. To learn more, click on http://www.agicinsurance.com or call 1-877-854-0123.

Melissa DeAngelo is with Florida auto insurance company and Florida car insurance company, AGIC. To get a quote or learn more visit www.agicinsurance.com.