I was in a car accident 4 days ago. My Mother was the passenger in my car (I was driving). I was on the off ramp getting off the freeway. All cars behind me were stopped. I was stopped waiting to make a right turn. An emergency vehicle was coming in my direction from my left. Therefore, I was waiting for the emergency vehicle to pass. The person behind me (large dodge ram truck I am in an '08 2 door Infiniti coupe) thought I went so he 'gunned it' to get in front of the emergency vehicle. Unfortunately, we had not gone so he pushed my vehicle out in front of the emergency vehicle. Luckily, I was able to turn my car out of the way. I did not hit anyone (no one was in front of me). My Mother and I were both put into a gurney and taken to a local hospital in an ambulance. We both had our seat belts on and suffered whiplash. We were released 5-6 hours later after x-rays, etc. We were both prescribed medicine. My Mother has had 3 brain tumors and has trouble with her speech etc. And any violent startling trauma can get her shaken up pretty badly and confused. I know she hit her head but, she is in pain but not nearly as much as I am. With my Mother's condition I don't know if this kind of thing can have negative effects later on. I know that my neck and back is pretty messed up. It hurts to stand for after 15 minutes or so. My car is pretty messed up and had to be towed. I plan on taking it back to the Infiniti shop to get all new parts. My car has all the upgrades in it so I want it to be taken care of. Am I allowed to take it to the Infiniti dealership or will Geico (the other persons insurance) not allow that, or does it not matter? The police gave the guy that hit us a citation. I have USAA and the other person has Geico. I just want to know exactly what to do in this situation. Since I'm out a car (I work for myself) I have been out (already) a decent amount of money for not being able to meet up with my clients. I spoke to my insurance today and they said that all my medical is covered since I had that already in my plan (without it raising my premium) and that I should get a settlement ON TOP of paying for damages to my car and getting me a rental, etc. Any advice would be greatly appreciated. I don't want to get taken for a ride. I've heard the horror stories of dealing with insurance companies. Any advice on what I should make a point of saying to the other insurance company, etc. Thanks in advance. . This happened in Arizona. I was told that I should contact an attorney but, I don't want to have to pay the attorney fees/split the settlement if I don't need to. Please advice. Well, I have your answer right here. You can take the vehicle to any shop you choose. It is up to the body shop estimator and the insurance appraiser to work out an agreed repair cost. Use your own auto insurance to pay your medical bills. If you are authorized by your doctor to drive, rent a vehicle. Check with the adjuster from Geico to see if they will pay the rental expense directly to the car rental company. If not put it on a credit card. You will get reimbursed. Keep track of your medical expenses. Make up a list of lost wages, or lost sales or lost earnings. When you are sure you are completely recovered, you can make a demand for settlement. It should be 5 times the medicals plus, lost wages, plus property damage.

There are approximately 20 various types of insurance policies available and auto, home, life and health top the charts.

The concept of insurance has been recorded to be first practiced as far back as 2nd and 3rd millennium B. C. Just about anything you think about or hold value too these days can be insured. Auto or vehicle insurance is one of the most common types of insurance and is a basic policy to protect you against losses incurred from car accidents, theft, vandalism and various other mishaps. Auto insurance can be purchased for different vehicles like cars and trucks as well as recreational pieces like motorbikes, boats and motor homes. In recent years the internet has been instrumental in helping people to know the various policies available to meet their needs and compare prices.

What's auto insurance for anyway?

Auto insurance is basically a contract between you the customer or car owner and an insurance company. According to this contract you the customer concur to pay a certain amount of money or premium to the insurance company and the company agrees to payout any losses as defined in the policy.

The main pieces covered in auto insurance policies are:

	Free Auto Insurance Quote And Cut 50% Mortgage Bill + Free Home & Life Insurance Other - Auto Insurance $0.99
	Auto Enthusiast Magazine Insurance Corvette Chevy Mopar Magazine Back Issues - Auto Insurance $5.47

1. Property: in case of damage or theft of a car the reimbursement is paid under the property coverage.

2. Liability: covers expenses incurred for bodily injury or property damage to the other person and or yourself.

3. Medical expense: medical coverage helps purchase treating injuries, rehabilitation and funeral expenses.

Most insurance policies are valid for six months to one year and need to be renewed before the policy expires to avoid gaps of coverage where you would be liable if something were to happen. Insurance companies will usually notify you by mail when it is time to renew your policy. Insurance companies charge a flat rate premium regardless of how much the vehicle is used. Some insurance companies also offer various types of discounts.

The Benefits of Auto Insurance:

In order to protect your assets and financial situation it is very important to purchase auto insurance, this is the main purpose of auto insurance. Auto insurance is not only important for the protection of your vehicle but also in most countries it is required mandatory by law.

It is very important to conduct a detailed study when buying auto insurance coverage because there are several kinds of policies with different benefits. Consult an expert before investing in any insurance to make certain you get the right type and best rates possible.

	Auto Insurance Survival Guide For New York New Other Books - Auto Insurance $32.81

	Free Auto Insurance Quote And Cut 50% Mortgage Bill + Free Home & Life Insurance Other - Auto Insurance $0.99

You just received your most recent automobile insurance bill and it has gone up once again. More than 10%, in fact! A little gecko is clamoring for your business and so are a handful of other companies that you even no less about. So, what should you do? Switching insurance carriers is one option, but before go through all the hassles of making a change, let's first take a look at five ways you can reduce insurance premiums instantly.

Bump Up Your Deductible. You can gain instant savings by increasing the deductible you are willing to pay. You may find a $1000 deductible for collision to make more sense and save you a considerable amount of money in the long run.

Receive Discounts. If you park your car in a locked garage, have an alarm system installed, possess an excellent driving history, etc. , make certain that your insurer is aware of all of this. Your premium should be adjusted downward to reflect your special security measures you're your superior driving record.

Change Your Coverage. If your vehicle is old, you many want to consider dropping collision coverage. Your comprehensive coverage may also be due for review. Finally, make sure that there aren't pricey supplementary costs being assessed to you such as towing insurance. Your automobile club likely covers towing insurance and vehicle rental insurance; check your member's agreement for duplicate coverage.

Adjust Your Family Status. You may be paying more for your insurance if your policy shows that you are single when, in fact, you are married. Rates are mainly less for married couples and for those in their thirties and beyond.

	Free Auto Insurance Quote And Cut 50% Mortgage Bill + Free Home & Life Insurance Other - Auto Insurance $0.99
	Auto Enthusiast Magazine Insurance Corvette Chevy Mopar Magazine Back Issues - Auto Insurance $5.47

Correct Your Address. Your insurance company may have you listed at the right address, but list you under the wrong zip code. You could be paying a higher premium for living in a "high risk" neighborhood.

In some cases you can save money on automobile insurance by packaging it with your homeowners insurance. Lastly, discuss with your broker whatever other steps you can take to gain additional savings. You may have missed something or you may not be aware of a special program or offer in place.

	Motorad 7281-180 Failsafe Thermostat The new fail-safe thermostat offers advanced automotive technology and provide motorists with real added value and additional response time in the event of system overheating. This is the product of its kind in the automotive industry, developed for safe engine shut down in the case of system overheating. $32.40