I am about to renew my Car Insurance Policy here in Washington and I just had a little accident a couple of months ago. Will my car insurers check my record or since it is renewal they wouldn’t check? And what could be the possible thing that can happen to my policy?

Jim

Tacoma, WA

There are many things that one can be classified as a high-risk driver here in Washington just like when you own a speedy car then you are also considered as a high-risk driver for one can actually have the biggest possibility that you might have an accident. Car Insurance Companies are not complacent in checking your driving record.

If you are for the renewal of your car insurance policy, your insurers will check every detail of your driving history before they allow you to renew your policy or reviewing your policy. If for example you insurers are a too strict regarding with traffic tickets, car crashes or poor credit then you might want to shop for another Car Insurance. Not all Car Insurance Companies are tough with these problems though you might know by now that it isn’t cheap to avail as a high-risk driver. Car Insurance Company might give you a policy but then it is more expensive than the usual for you have the biggest possibility that you might take risk on the road again. Car Insurance Companies is just trying to protect you as well as their interest that’s why they are offering you a bigger coverage.

What would I do if I get into an accident here in Washington and the auto insurance company of the at-fault driver refuses to pay the bills for the repairs and medical expenses?

Adonis

Spokane, WA

If you get into an auto accident in Washington wherein the other driver is at-fault, his/her auto insurance company might refuse to pay for the repairs of your car and medical expenses of anyone injured. They would probably just say that they did not authorize it so they will not pay it. One good technique that you can use if the auto insurance company of the other driver who was at-fault during the accident refuses to pay for repairs and treatments is to tell them that asking for their consent for the repairs of your car and treatment would delay the process. You can also explain that other charges such as vehicle-storage would increase the amount of your claim and it would mean more legwork for the adjuster.

Additionally, the auto insurance provider of the at-fault driver could not push you to bring your car to a particular repair shop they want to use. Majority of the states let car insurance companies to suggest a vehicle body shop, however, car insurance companies are not permitted to require you to use a particular repair shop. Remember that that would be totally your choice especially that it is your car and you were the victim.

I’m a busy career woman and I want to look for cheaper Car Insurance here in Seattle, Washington but the problem is, I don’t have any means on how to, Is there any way that I can shop a Car Insurance through the internet?

Lila

Seattle, WA

With this century, yes, you can already do shopping online not only for clothes, appliances and other technologies but also insurances—life insurance and definitely car insurance. The good thing with this is, it’s just like a marketplace where you can choose the best one for you for there are many varieties. There are online car insurance companies and agents that have reasonable rates for you. And I assure that car insurance shopping online can give you dependable and rapid service that is reasonable enough for you.

There are Car Insurance Companies that are also online in Seattle, Washington that offers all the citizens of every city in the state. You just have to request quotes from the Car Insurance Website you have searched. You can also see that there has been a change in the Car Insurance rates as years pass by here in Washington. As for 2003, Car Insurance rates have increased for 18%. But you can see a decrease of O.5% in 2007. This was the first time that Car Insurance has decreased. Other Insurance Companies are doing the best they can to make the Car Insurance to be affordable to everyone. Save money and time, get online and request for quotes now.

A friend of mine asked me to help her find SR22 auto insurance here in Washington because she was convicted for DUI. What exactly is SR22 auto insurance and how can she find one?

Collette

Bellevue, WA

Your friend might have received the dreaded Department of Motor Vehicles (DMV) letter requesting a certificate of financial responsibility because of her DUI conviction in Bellevue, Washington. SR22 auto insurance is really just a form that proves to the DMV that your friend has the minimum liability limits for her vehicle. Because of her DUI conviction, the DMV requires SR22 for drivers they deem “high risk.”

Washington State does not require auto insurance companies to offer this type of insurance but many insurance companies are willing to offer SR22 insurance, but for a higher price.

If your friend is currently insured with a company, you can ask her to check with them first. Ask if they are able to file an SR22 for her and what the filing fee is. Remember that this could raise her rates, depending on the reason the form is needed. If the price doesn’t suit her, you can help her shop around to out which insurance companies offer SR22 and better yet, which one offers the best price.