Car Accident Settlements – How to Negotiate More Money With the Auto Insurance Adjuster

To get more money from your car accident settlements, you need to understand how to negotiate with an auto claims adjuster.

Negotiating with an auto claims adjuster is tough. If you are unprepared, then you can end up losing thousands of dollars in your car accident claims.

To begin you need to know…

Who is the Car Insurance Adjuster?
The auto claims adjuster is the person who will evaluate what your auto accident settlement is actually worth.

The auto insurance adjuster will:

  1. Collect and review the facts of your auto accident.
  2. Check if you are covered under an auto insurance policy.
  3. Investigate who was at fault for the accident.
  4. Negotiate with you about your final settlement.
  5. Write a check for your settlement.

However, the main goal of the car insurance adjuster is to settle your accident claim quickly and cheaply. This is why the insurance company hires them and this is how it rates their performance. An insurance adjuster, who takes too long to close auto accident claims or is unable to get low car insurance settlement, is not going to make their claims supervisor happy.

When you are negotiating your car insurance settlement, the two most important things you should focus on are…

1. Never Rush to Finish Your Auto Insurance Settlements
The auto insurance adjuster will try to pressure you to settle your auto accident claim quickly. This is because the longer an auto settlement takes, the more money an insurance company risks of losing.

You should never settle your car accident claims quickly. Even though you may want a quick accident settlement, to get your money faster and avoid the headache of dealing with the insurance companies, you will only hurt yourself in the long run.

Getting a quick auto insurance settlement will not help you, if you don’t take the time to get accurate car repair estimates. A quick settlement will not help you, if your car accident injuries are not properly diagnosed and treated.

These things will end up costing you a lot more money in the long run. Settling the claims quickly helps the insurance company, not you. So take your time analyzing your accident claims, speaking with doctors, getting multiple car repair estimates, and fully recovering before closing your auto insurance settlements.

2. Never Accept the First Car Accident Settlement Offer
It is a common practice amongst auto claims adjusters, to give you their lowest settlement offer first. Remember, the claims adjuster’s job is to save the insurance company money, not you.

The low settlement offer helps the auto claims adjuster see how desperate you are to settle. If you take the first offer, you will have missed out on a lot more money from your auto accident settlements. This is because the auto claims adjuster always has more money to negotiate with. The auto claims adjuster is given a settlement range to work with. This settlements range, depends on the how experienced the auto insurance adjuster is.

For example, a relatively inexperienced adjuster may be given a range of $5,000 to $10,000. While a more experience adjuster may have $10,000-$25,000 to close a claim with.

You most likely won’t know the car accident settlement range of your adjuster, but you should never accept the first offer.

These are some of the most common negotiating tactics, used by the auto insurance adjuster, to lower your car accident settlements.

Read which other negotiating tactics you should watch out for in your personal injury claim settlement

Learn more helpful negotiation tips to get more money from your car accident settlements

Article Source: http://EzineArticles.com/expert/Asif_L_Shaikh/538569

 

What is the Best Way to Get Auto Loans Without a Bank Account and With Bad Credit?

Owning a vehicle these days is no longer just a convenience; it has become an indispensable part of the daily routine for most Americans, whether it is for work, school, travel, or any reason. Most American families must have more than one car these days. But in this tough economy, where people are losing jobs every day, or at least one family member is, most people are not in the position to pay cash for a new or used car. In past years it was exceedingly difficult for anyone with a tarnished credit history to obtain auto loans. Bad credit was not accepted.

This practically meant that, if your credit were bad, you would be saving money for probably years in order to buy a car. Thankfully, that was in the past. Today almost all auto dealerships have a “special finance” department that works with individuals that have credit issues that would prevent them from applying for conventional auto loans. The loans that they offer are called bad credit auto loans.

Bad Credit Auto Loans are nothing to be Ashamed of

Just because you have some bad credit issues in your past is no reason to be ashamed. It truly happens to just about anyone; rich and poor, believe it or not. You can be earning six figures or more and still have a bad credit rating! Nevertheless, as a consumer it is in your best interest to keep your credit score as high as possible. By exercising restraint, not overextending yourself, and paying your bills on time, your credit rating will naturally grow. But, in the mean time, there is no reason why you have to wait to buy a good new or used car because auto loans for people with bad credit are available online.

Simple steps to bad credit auto finance. There are a number of steps that a consumer can take to improve their chances of being approved for bad credit auto finance.

Qualifying For an Auto Loans Online

• First, However; one should do the math and decide if it is affordable to take on another car payment and insurance payment and the other associated costs along with your current bills.

• Get copies of your latest credit report from all three credit reporting bureaus because some lenders will report to one or two bureaus, but not to each of them. Make yourself familiar with what is on your credit report at this time. If there are any errors or mistakes, you should have them retracted. Just write a letter to the credit reporting bureau and inform them of the errors and they should retract them for you.

• If you are applying for bad credit auto loans, consider how much of a down payment that you can afford. If you have good or fair credit, you may not need a down payment. However; if you have bad credit, auto loans that you apply for will almost certainly require a down payment. And of course, the higher the down payment, the lower your monthly payment will turn out to be.

• Although not mandatory for auto loan bad credit online, a cosigner can be very helpful. With a co-signer, you can get a lower interest rate and better terms on your bad credit auto finance. Remember, a co-signer should have a good credit rating and a good credit history. This person also needs to be aware, that in the event of your default on the loan, they will be liable to pay off the balance of the loan. So, the cosigner should not cosign for a loan they cannot afford to repay.

Finally, it is very critical that you do your due diligence on the lender or car dealership that you choose to work with. Research the lender or auto dealership thoroughly online. After all, you plan to go into debt with these companies. Pay close attention to the interest rate. When you finally go to the lender or dealership, try your best to negotiate the interest rate down. There is usually some wiggle room there.

Before applying for bad credit auto loans or any other automobile loans online, you should familiarize yourself with what is in your credit bureau reports. Every American is entitled to 1 free credit bureau report annually from each of the big three credit bureaus (Experian, Equifax, and Trans-Union). To know how you can get bad credit auto loan author recommends visiting AutoLoanFinance.net.

Article Source: http://EzineArticles.com/expert/Mabia_Williams/153814

 

Used Auto Parts – Affordable, Convenient, Practical and Popular

Owning a car is not just about a one-time purchase. Those who own one would definitely know what I am trying to say. Once the initial period of 3 to 4 years is over, the expenses kick in and this is the time when the manufacturer’s service warranty would also have lapsed. The truth is no matter how well you maintain your vehicle, at some point of time, there would always arise a need for repairs and auto-part replacements. This is because your car is just a machine composed of mechanical and electronic parts and all machines need maintenance and repair over a period of time otherwise they break down.

If you are practical enough in life, you would think that I am stating the obvious. But you might also be wondering what I am trying to arrive at. So here it is.

It does not matter what make, model or year your car belongs to. There can be a malfunctioning, worn out or damaged part prominent enough and you might still be thinking that your car is still new and proud of how well you have maintained it. But when that car breaks down in the middle of the road, it leads to the mother of all embarrassments. That is not all, I haven’t even mentioned the security risks, poor performance and constant relative deterioration of other car parts that can be instigated by a certain part failure.

After that stage, when it comes to repairs for damaged parts, the bills multiply and so do the service charges. This is the worst stage for a motorist. In this case, you have a few options available and it totally depends on you to choose the best one for your car. If you own a brand new car, it is better to seek help from your car manufacturer or dealer where you have purchased it. They can provide new OEM parts that will fit like a charm and make your car feel brand new again. The service might be free of cost but brand new auto parts are definitely not. In fact, brand new car parts are the costliest option available to you. But if your car is relatively old, would it make sense to install a brand new auto part? Definitely not unless money is not a consideration for you.

The competitive automobile market has thrown open another option and that is aftermarket parts. There are a lot of manufacturers that manufacture auto parts either under their own brand name or on behalf of some other car maker. The key is to ascertain whether an aftermarket part seller is recognized or recommended by your car manufacturer. If it is not, you might want to consider the fact that fitting such an aftermarket part in your car will void the car’s manufacturer-warranty. Also, cheap aftermarket parts may seem like a good option but these are not tested and verified to suit all car models. There may be a case that such an auto part can jeopardize the safety of your car and affect other original parts that are connected with it. Such parts may also not confirm to government laws and regulations in your state.

There are also some aftermarket-parts manufacturers who produce performance enhancing auto parts. But that would fall under the category of car customization since it is quite obvious that performance enhancing auto parts are costlier than even brand new OEM parts.

Then we come to the current trend in car maintenance and repairs, the used auto parts. Over the last couple of years, used parts have experienced a tremendous rise in popularity and there are sales figures to prove that. People are increasingly preferring used auto parts when they need replacement parts for their cars. There are a lot of reasons for this surge in demand, let’s understand some of them.

First things first, used auto parts are definitely the most practical cost-effective option. The reasons for that being, when you fit a used auto part in your car, it does not void any manufacturer-warranty since it is an original part made by your car manufacturer. There is no doubt about the compatibility of these parts with your vehicle since these are OEM (Original Equipment Manufacturer’s) parts. These are original parts that have been used before in another vehicle of the same year and model. Also, most used auto part sellers clean and test these parts before selling them.

It is a fact that used auto parts usually cost one-third of what the brand new ones do and they also come with a warranty and a quality assurance if you buy from an established seller. That is what makes this concept so popular. There are also some other benefits of buying used auto parts from major auto-parts stores. You not only get genuine OEM used auto parts, but you also get great deals online without even thinking about stepping foot in a junk-yard or a salvage-yard. You can view auto parts online, buy them and have them shipped to your doorstep free of cost at the click of a button. You can also compare deals online to ensure you get the best value for your money. There is also a dedicated customer support available and you can even call the seller to verify your order. Shopping for used auto parts has never been easier. There is a range of used parts available for your car and all you have to do is switch on your computer and search the internet.

If you are searching for a replacement part for your car, I am sure now you know how to get the best deal even without moving a muscle.

James Rodham

Quality Auto Parts

James Rodham is the Information Architect at http://www.qualityautoparts.com

Article Source: http://EzineArticles.com/expert/James_Rodham/556548

 

Auto Shipping Quote

Getting a car through internet is common today. This is getting popular because of the tight schedule of people and they don’t have time to go physically and place an order, in this case eBay is quite helpful to you. It provides auto shipping from one country to another. But before placing an order keeps in mind of security issues, some of the fraud sites are also there which provides you the auto shipping facility on site only but they actually just extracting your money by getting private information from you.

Auto Movers can help you ship your car from point A to B and also assist you with getting a free auto shipping price quote. They are experienced and an insured company and also be able to provide free quotes for auto transport. And they ensure the quality services for auto shipping and also all the services are offered at low market price.

Using a trusted auto mover company when selecting a transport shipping company is key and which offers the easiest and convenient way to transport automobiles from city to city or across the country or even worldwide for that matter. They offer many additional advantages over the many of the of car shipping companies operating today. This is good because it saves your time from filling the forms of number of fields. It only requires model of vehicle, origin and destination address, method of transport and you can instantly obtain quote for your vehicle.

And most auto moving companies respects its customer privacy. Hence it is safe to be used. And also this doesn’t require your contact information beforehand, so no pressure tactics could be used.

Hence if you only want to extract the information regarding the shipping then no costs would be charge from you. Also this provides quality service at the reasonable rates. And you can compare the price from other auto transport companies. This is a licensed company and ensures your automobile to be delivered safely.

There are many companies to consider when shipping your auto. Make sure to do your homework and know who you are dealing with before selecting your auto transport company. It is always a wise idea to check with the BBB and call up the company you are considering and ask questions before hand. All major auto movers, will be happy to provide their auto shipping quote throughout the continental United States in addition to various insurance options, additional services provided in specific areas and vehicle inspection procedure for shipping automobiles. They understand their customer’s most valuable assets and so this provides affordable quotes to ship your automobile with the quality service.

http://www.americanautomovers.com
http://www.americanautomovers.com/auto-transport-company/

American Auto Movers Inc

Article Source: http://EzineArticles.com/expert/Shawn_Robertson/617165

 

Glossary of Auto Transport Terms

Autorack

A specially designed multi-level rail car used to transport automobiles. Autoracks have two or three decks, can carry up to 20 vehicles and have metal side panels and end doors to protect automobiles while in transit. Bi-level or double-deck Autoracks usually transport trucks and large SUV’s, while tri-level or triple deck Autoracks usually transport passenger cars. A dedicated train with 70 Autoracks is capable of transporting more than 1,000 vehicles at one time.

Auto Transport

Moving or shipping automobiles as freight. Auto shippers are strongly encouraged to seek out reputable, fully-insured, financially strong car haulers. A new generation of smart, customer-focused auto transport companies are making nationwide transport more convenient and affordable than ever before.

Backhaul

Refers to the car hauler’s opportunity to pick up a second load of vehicles close to the destination where they delivered their first load; i.e., returning to the origin of the first load. A to B, then B to A.

Bi-Level Rail Car

A type of rail car used for auto transport, called a bi-level because it has two decks, an upper and a lower. Bi-level capacity is between 8 – 12 vehicles. They are often used to transport vans, pickups and SUVs, or passenger vehicles that have radio antennas or higher profiles that exclude them from fitting on a tri-level rail car.

Car Hauler/Carrier

A company which provides auto transport service; the physical transport of a vehicle.

Car Carrier / Auto Transport Equipment

A specially constructed semi-trailer (unpowered unit) usually capable of transporting up to 9 vehicles. Some include hydraulically operated ramps. Some vehicles are backed onto the trailer while others are driven nose first to help maximize space or meet overhang requirements. Each vehicle is firmly blocked and tied down to help protect it during transit. Large vehicles are usually transported on the upper level of multi-deck transport trailers.

Delivery Network

A complex system of connected trucks, railroads and ships used to transport cars. Car haulers with access to all modes of auto transport have a powerful delivery network that provides efficient auto shipping to meet their customers’ time and cost requirements.

Enclosed Auto Transport

Auto transport using a fully enclosed van, semi trailer or rail car, usually with metal sides and a top. Enclosed auto transport offers increased protection against weather, road debris and other hazards especially over long distances. Enclosed truck transport is a premium service which usually costs more than standard open auto transport. Enclosed rail transport is standard and often costs less than open truck transport when moving cars more than 500 miles.

Freight Forwarder

One who assembles small shipments of vehicles into one large consolidated shipment which is then tendered to an auto carrier. Upon reaching destination, the shipment is separated into small shipments and delivered.

Intermodal/Multimodal

The process of shipping a vehicle using more than one mode of auto transport. Offered by only a few select car haulers, intermodal auto transport integrates both short-distance truck transport and long-distance rail service options.

Local Move

A term used to describe auto transport from pickup to delivery by a single carrier, usually within a radius of 200 miles from origin to destination.

Modifications

Changes or additions to a vehicle from its original state, such as spoilers, roof racks, 4 x 4 lift kits, running boards, camper cabs, etc. Modifications can affect a vehicle’s overall dimensions and weight, which may require a different mode of auto transport or additional fees.

Origin

The location where transport of a vehicle starts, or originates. Car haulers need both the origin and destination of a shipment to provide an accurate auto transport quote.

Pick Up and Transit Time

Pick up and transit times may vary based on the transport company you choose. Auto transport usually averages between 1 to 3 weeks, depending on pick-up and delivery locations, availability of the vehicles, shipping capacity, and distance. Most car haulers also offer expedited service at an additional fee.

Ramp

Another word for an intermodal terminal. Ramps were originally structures, permanent or temporary, from which trailers or machinery are driven onto or off of a railroad flatcar.

Shipper

The person for whom the car hauler agrees to move vehicles to a specified destination and at a specified price. Also called “Consignor”.

Terminal

A facility provided by a railroad or car hauling company at an intermediate point in its network for the handling of freight; and for the breaking up, making up, forwarding and servicing loads, and interchanging with other carriers. Also referred to as a “ramp” when referencing a rail terminal.

Tie-downs

Straps or chains that a car hauler uses to secure a vehicle on a tow truck or multi-level car carrier. Many car haulers are switching to straps to minimize damage in transit.

Vehicle Size Classifications

Vehicle size classes are a way of classifying automobiles to estimate auto transport fees prior shipment. Passenger cars are generally classified as vehicles from 0-60″ in height, or as mini-compact, sub-compact, compact, mid-size or large cars based on their industry standard interior volume index measured in cubic feet. The larger the vehicle, the higher the cost to transport it.

Wheel Straps

Reinforced straps used in an auto rail car which go over the wheels and secure the vehicle to the floor to minimize transportation damage.

About Wally Koster, Freelance Writer

Wally Koster is a retired marketing and advertising executive with more than 40 years experience in the automotive industry. He now enjoys life as a freelance writer for ShipCarsNow and is a published philatelist. http://www.ShipCarsNow.com

Article Source: http://EzineArticles.com/expert/Wally_Koster/439759