Proper Auto Damage Insurance Options for New Drivers in America

If you own an antique car then it is important to obtain antique auto damage insurance. If the antique car should become damaged or stolen then the lose will be quite costly as the value of antique cars is high. Antique cars can be broken down into three categories and each category has its own auto damage insurance package, classic cars include cars that are only about 17 years old, the youngest of the antique cars, vintage cars which are cars built between 1903 and 1933 and veteran cars or cars that were built before 1903. Antique cars should be covered by auto damage insurance because they are very rare and as they get older will actually increase in value versus modern cars, which depreciate over time. Also repairing an antique car if something should become damaged can be expensive because parts and paint may not be manufactured anymore. There is even special auto damage insurance if you are showing your car at an event.

Affordable Auto Damage Insurance Options for New Drivers

But in recent years auto damage insurance prices have increased significantly and the onset of the recession has made it even more difficult to afford, particularly in places such as Northern Ireland. In simple terms the rise in cost is seen to be reflective of the frequency and amounts that are being paid out by insurers year on year - yet this increase has been due to many factors. A trend in more personal injury claims has also been seen as a major contribution. However, the purpose of this article is not to promote that more auto damage insurance claimants making bigger claims signifies a growing dishonesty amongst those who must go through the rigmarole of auto damage insurance and losing their no claims bonus. A recent court case involving the auto damage insurance company, NIB (part of RBS), has highlighted that the industry is no longer standing for anyone who bends the truth for a bigger payout. Find Modified Van Damage Insurance Rates for Female Drivers in America in car insurance part.

Purchase Proper Motor Insurance Policies in America

The story details the case in Preston auto damage insurance in which Justice Coulson has fined Joanne Kirk £2,400 for lying about the injuries she obtained after a car accident. According to the website: "In the initial case, Ms Kirk made claims she was severely disabled, and compensation from auto damage insurance was awarded to cover for the condition of fibromyalgia worth £900,000." The claim instigated an investigation by NIB who managed to acquire video footage of Kirk driving - actions that could not have been possible had her injuries been true. The success of this pioneering case has been seen to show other insurers that they can pursue their policyholders and third parties should they suspect anything - sending out a firm message that such fraudulent actions will not be tolerated in the future. Not only was Kirk fined £2,400, but she was also required to pay the insurers cost for the case and could not claim anything - resulting in an overall payout of £130,000 on her part.

Perfect Auto Damage Insurance Brokers for New Drivers

Injury claims are another factor that is considered when an auto damage insurance company decides which rate to charge you, and there are some facts you should consider to help save money on your auto damage insurance with your next car. Vehicles with large or numerous injury claims have higher auto damage insurance costs than vehicles with fewer or less injury claims. Some great cars to choose from include the two wheel drive Chevy Tahoe, the GMC Yukon XL 1500 four wheel drive, the Chevy Silverado 2500, and the two wheel drive GMC Sierra 2500. Some vehicles you should avoid if you want cheap auto damage insurance include the four door Kia Rio, the Suzuki Esteem four door, the four door Kia Spectra, and the Mitsubishi Mirage.

• Question: will my auto damage insurance liability policy cover the driving of an exchange student?
• Answer: your auto damage insurance policy normally covers you, your spouse, other relatives who live in your household, and others who have permission to drive your car. An exchange student living in your house, to whom you have given your permission to drive your car, would normally be covered. However, you should notify your auto damage insurance agent that you have an additional driver and confirm that the student will be covered. Ensure in Car Theft Insurance Policy in New Orlean for New Drivers in auto insurance note.