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By: Steve H.
I-Deal Motors
They were great to work with in the beginning and as a single parent I was thankful.Then towards the end of the payments probably 4 months left, someone backed into the rear of my van busting the window and denting the rear door. I had the window replaced and left the door dented. I decided to continue making the payments as per the contract and buy another vehicle at another lot that I could use as a backup if the van broke down . I paid the van off on schedule as in the contract . I went by the lot today to inquire about a truck they had on the lot and the owner told me he would never finance another vehicle for me again because I bought a vehicle with the insurance money instead of paying off the van early. I just got up and walked out shocked that a business owner could be that rude. He made more money in interest by my sticking to the contract and paying according to the contract. the van did break down and I had to use the truck I bought or I would have lost my job.
Tips & Advices
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash.
Yes. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easy. Potential customers can often get free quotes online very quickly.
Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes to record: what happened before the accident, the date and time, traffic signs in the area and road conditions. Also get the other driver's name, address, license plate number, and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.

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