Renewing Car Insurance Policies – Do’s and Don’ts

Having an adequate car insurance cover for your vehicle has become extremely imperative while driving on today’s accident-prone, high traffic roads and dealing with uncertain conditions almost every day. Car insurance cover relieves your mind of the financial tension at least, takes your mind off the continuous worry of the expense that may occur from any unintentional damage occurred. So, one must be consciously aware of the car insurance term at any given point of time lest it expires and you are caught off guard with an unwarranted situation, only to find out that your car insurance is due for renewal.

While the mandatory renewal of car insurance every year may seem like a monotonous and rather tedious procedure but it is critical to get it done on time in an appropriate manner. Moreover, it is important to consider certain aspects in mind while renewing your car insurance policy; there are some do’s and don’ts that can go a long way in helping you to have your car insurance renewal done in an informed manner. Let’s have a quick at some of these points and help to smoothen out the process for you and also help in going for relatively cheap car insurance, at best price with the best services.

Do’s – Get it right

1. Comparison among policies- The first and foremost thing to consider while renewing the car insurance policy is the fact that there is a wide variety of insurance covers in the market to choose from with absolutely no compulsion to continue with the same policy taken. In case you experience certain inadequacies in the interim of one year of the policy or you may wish to upgrade your policy as per the changing demands, then, you always have the option of switching to a new one. Before that, it is critical to take note of the varied policies available in the market and make a thorough comparative analysis.

2. Accurate Details in the Form- While filling up the form for car insurance renewal, it is utmost important to fill inaccurate details about your car and to the best of your knowledge so as to get a suitable policy by the company. Thus, it is advised to fill up the form in a relaxed state and on your own as you know your requirements better than any company agent.

3. Policy Record- Once you have renewed the policy, make sure to fill a copy in a file and keep it with for the record or if it’s a soft copy, then save it with you on a hard drive so as to not lose it. It’s important to maintain a proper record as it gives all information required at any point and leaves no room for any confusion when it comes to availing the No-Claim Bonus (NCB) or any other future claim.

4. Add on Covers- Before taking up any policy, it is vital to take note of all the add-on covers and go through them at length so as to choose wisely the ones that suit your needs instead of blindly going for everything and end up paying a huge amount unnecessarily.

5. Registration Certificate (RC)- While renewing your policy, also ensure that your RC is updated with your present address, name and other details. Also, see to it that the vehicle specifications are accurate and the details mentioned on the RC are in sync with the policy details.

Don’ts – Not to Mess Up

1. No blank columns in the form- Do ensure that you end up leaving no columns in the form blank or unanswered that may impact your policy renewal in an adverse way. Instead, one must provide all possible information, just to be sure to be taking the right help from the insurance company.

2. Not to miss timeline for renewal- Keeping in mind the expiry of the car insurance plan is critical not just from the perspective of any damage occurring in the interim when you are uncovered but also for saving up on the late renewal charges if any by the company. Moreover, it gives one time to think and then act rather than being in a hurry to insure with the first plan that comes your way.

3. No Incorrect Declarations- One must never make any incorrect declaration or give any wrong estimate to the car insurance company, intentionally, as that can end up in getting you the wrong cover. Tell them precisely what your requirements are, what the car condition and car value estimation is and your future claims will remain uninterrupted.

4. Not to forget about the transfer of name- In case of acquiring a pre-owned vehicle, make sure to have the policy transferred in your name and do not have it renewed in the previous owner’s name itself by any chance.

Does Auto Insurance Help If You Are a Victim of a Hit and Run Accident?

Unfortunately, the news about a hit and run is on the radar every so often. A pedestrian or a car driver is hit by a vehicle and the driver responsible for the accident speeds off without owning up to his actions by checking on the victims and providing his or her contact info to police.

What defines a hit and run accident?

A hit and run incident occurs when one driver crashes into a person or a car and intentionally drives on in order to avoid prosecution or accountability for resulting death, injury and/or damages.

Should you become victimized in a hit and run event, never pursue the fleeing car. You might find yourself in a road rage incident or the like. Leave the chasing to the cops who are trained in this type of thing. What you should do immediately following the crash is to alert the law enforcers.

For your best interest sake, gather as much information as you can about the event. This will help police catch the driver who collided into you. It will also add to the chances of your submitted insurance claim be processed to your advantage.
Here is what the insurance underwriters tell victims of hit and run accidents to do.

As said, the more information you gather about the case, the more chances of it ending to your benefit.

Tell authorities about facts by providing the following:

• The make and model of the other car or vehicle
• The license plate number of the other car
• How to get in touch with people who witnessed the accident
• The time and place when and where the accident occurred
• Images taken of your car immediately following the collision. (leftover paint of the other car on your vehicle will assist authorities in locating the other driver and pinning charges as it will help the insurance company determine a good outcome for your claim)
• Physician’s report about any injuries you or your passengers incurred as a result of the accident

If the driver who slammed into you and drove off without accepting liability is caught, you can submit an auto claim directly to his or her insurance company. But, should the other driver happen to be with insufficient insurance coverage or no coverage at all, you might want to resort to an attorney’s services.

Another avenue to pursue is your own insurance coverage. If the hit and run driver does not have proper insurance to cover your losses, you can file a claim with your insurance company. States differ in policy as far as the claims process goes, so you’ll have to do the research. Generally speaking, if you have uninsured motorist bodily injury coverage, you will be covered for medical bills and if you have uninsured motorist property damage insurance, you will be covered for related auto repair work.

Though there are various US states that do not cover you with these forms of insurance, they should cover you if you have personal injury protection coverage as well as medical payments insurance and collision coverage.

Postpartum Weight Loss

Having a baby is a beautiful thing because not only are you birthing a new human, but you have decided to nurture it through pregnancy and times after. So, yay motherhood! New moms sometimes are stuck in the dilemma of shedding off a few extra pounds. Trying to fit back into some very flattering old clothes could pose an issue to some especially with celebrities bouncing back so fast, then you are trying to zip a dress on a Thursday morning and you are wondering ‘am I losing or gaining weight?’. Whether yes or no, there are tips to help you if you have decided to shed off some of your weight.

Firstly, it is important you debunk some myths about postpartum body. Sometimes it’s like everyone seems to know a little something about postpartum body and you are tired of packing on advice that never work for you. It is possible to lose baby weight and yes, body types matter regarding how your bounce back body will look. Breastfeeding may or may not play a role to your weight loss since the more calories you lose breastfeeding, the hungrier you get so it is really how you eat.

Exercise

I know that after delivery your body cycle changes and you have to keep up with a baby that needs you at odd hours. I am not talking about getting on the treadmill right out of delivery room. I am talking about little exercises like moving around the house, using the stairs, standing for a while during some chores, dancing when your favourite song comes on and eventually, when it has been confirmed safe by your doctor you can move into doing more than that. Remember that ‘good things take time’ so take it a step at a time. Remember to seek professional advice before you take on any exercise routine.

Diet

“Eat! Eat! Eat! you have a baby to breastfeed” you hear that a lot from older mothers. And yes, you have to eat because you have to breastfeed, but eating smart is a way to postpartum weight loss. Remember your baby needs nutrients not mass of food. So try to eat whole diets and consume less unhealthy fat and junk food. Since you find that you get hungry often, you could try eating small portions more often.

Yoga

If you are not already a yogi, now is a good time to try, relaxation plus time to focusing on your body. Choose your poses wisely there are lots of yoga poses for moms, seek your doctor’s consent.

Tea

Some moms swear by some weight loss tea for nursing mothers and might have evidenced their benefits. You could ask your nutritionists about your options and you can get around getting the right one for you.

Talk about it

You are not the first mom that has had this issue and you will not be the last. Some moms that have been able to bounce back postpartum may just have a few helpful personal tips for you, and talking to other moms facing the same issue as you might be able to tall you about stuff that has worked and has not. A problem shared might just be a problem half solved huh? Just remember to distinguish myths from fact and check its safety with your doctor.

Love your new body. Becoming a mom is a crown to be worn with pride. You have to love your body and understand that it may not return to how it used to be but it is still beautiful. Oh and one last tip. Pick the right underwear and fashion style. You will be amazed how much visual weight the wrong clothes can add to you.