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How Your Virginia Cheap Car Insurance Can Help You In Case of Accident


The cost of acquiring insurance will go up if you or any member of your family has been involved in an accident or maybe convicted for traffic violations such as breaking speed limits or drunk driving. Insurance companies, including Virginia cheap car insurance companies, have the right to increase your premium if you or a member of your family with access to the car gets involved in an accident due wholly or partially to their fault. This also applies for convictions appearing on the driving record

Such premiums due to accidents or traffic violations may be applied for up to thirty six months. You may, however, contact the Bureau of insurance if you think your premium has gone up due to accident that was not your fault; you can request that they review this premium increase due to the accident. Before contacting the bureau, you may want to visit their frequently asked questions page on their website. There you may find all the information you need. You can read and understand how the bureau determines whether approved rates can increase and how many times it can increase. Under the state freedom of acts, Premium rate filings are open records and a client could request to see it at a charge of 50 cents per page or 5 dollars for CD copies. Thankfully, the unfair discrimination law of the code of Virginia ensures that insurers don’t act badly on their customers.

If you are involved in an accident where someone is injured, or if the other party is not cooperating, it is better to call the police. The name, registration number and insurance company of all vehicles involved should be securely written down. It is also important to note the time and place of accident, the kind of injuries inflicted and even the make of the cars involved.  A rough sketch o f the accident scene is a good idea. After making sure you have gotten the home addresses of everybody involved in the accident whether they are drivers or eye witnesses, be sure to notify your insurance company as soon as you can.

For any claims you may have, it is to your own advantage to notify your insurance company as soon as possible. An agent might even help you to file the claim. There is a lot of paper work involved in making claims. After you inform the Virginia cheap car insurance company of your loss, be sure your mail box should contain a letter from them from them earlier than you expect. They will need to get your version f the story for them to be able to verify your claims. Whatever form you have to fill, make a photocopy for yourself for future reference.  Also fill out the forms as best as you can. If the company is able to establish beyond reasonable doubt your claim, the claim should be paid without much ado. However, it might occur that your claim is refused or that the insurance company accepts to pay only part of the loss. In such situation, make sure you are given appropriate explanation.

Virginia cheap car insurance will ensure you get the best value for your money. However to be sure this is really happening, insert your zip code in the box above to compare quotes from different providers.