Whose Insurance Do You Call?

Whose Insurance Do You Call?

INSURANCE
If someone hits your car, call your insurance company. Any other parties involved should call their insurance companies as well. And as long as you've all exchanged information, the insurance companies can sort out who covers what.In the case of determining who is at fault for an accident, a police report can come in handy. This is why it's important to document everything you can and collect a report about the accident to give to your insurance company.Let's explore more about whose insurance to call if someone hits your car, including the steps to take after an accident and what expenses different types of car insurance typically cover.See how much you could save on auto insuranceWhat to do if someone hits your carAlthough it's an important step, calling your insurance…
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Stolen vehicles have multiple impacts, including car insurance rates

Stolen vehicles have multiple impacts, including car insurance rates

INSURANCE
BUFFALO, NY (WKBW) — Faye Roberts Kia vehicle was stolen from her home in Keisertown in January. Now the car is in the shop, and Roberts is driving a rental car covered by insurance. The only issue is - she will be losing that car soon in a couple of days. "It's just sitting there. The insurance company hasn't really done much. They sent an appraiser in who said they're only going to cover 2,000 of the $7,000 in damages," Roberts said. "It's been really hard. I've been struggling a lot and it's just been me and my 7-year-old."Not only does Roberts need her car to drive her son to school, but she also needs it to get to her essential doctor's appointments. "I just had open heart surgery in…
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How to save money on your car insurance |  The Islander

How to save money on your car insurance | The Islander

INSURANCE
Taking the time to understand car insurance policies and choosing wisely can deliver significant savings.Picture: Adobe StockWhether you are taking a ride on sunny days or rainy ones, you are likely to encounter the uncertainties that meet road users each day. These uncertainties can be in the form of driving mistakes - yours or those of other road users - bad roads, and numerous other hazards that culminate in accidents that can damage your car. On unfortunate days like that, the insurance policy covering your vehicle is the only thing that builds and maintains your confidence. However, car insurance comes at a cost whose affordability may be termed relative.As a prudent and wise car owner, you can save on the cost of your car insurance without risking the coverage it…
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Should professional drivers pay less for their personal car insurance?

INSURANCE
Do any insurance companies [offer discounts to] professional drivers? If professional drivers are known to be the safest drivers on the roads, why don't all insurance companies give us a break on insurance rates? I drive school buses and limos, and have a clean [driving record]. If we carry [more advanced classes of driving] licenses, should we not be rewarded for a clean driving record? We continually take courses on defensive driving, practice what we are taught and act defensively on the road. – Gerald, Middlesex, Ont.This may come as a surprise, but being a professional driver likely won't save you money on your personal car insurance anywhere in Canada. All drivers get discounts for keeping a clean driving record. What matters is how you drive, not how much training…
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