While sad to say, you can never be too safe in today’s world. This is especially true when it comes to Palatine auto insurance as there is always someone looking to jip you one way or another. Whether it’s on the road, after a crash or at the desk of an insurance company, there are a number of things you can do to steer clear of fraud.
The starting point should always be at the Palatine auto insurance company. It is vital you know what to look for in order to decipher the good from the bad. Any kind of insurance offers from door-to-door salespeople or telephone callers is ill-advised. It is always reasonable to be suspicious of a company that offers insurance far lower than any of the competitions.
A great way to make sure the company is reliable and trustworthy is to contact your state’s insurance department. This gives you a chance to see if the agent and company are in fact licensed. The Better Business Bureau can help you see the company’s rating as well.
After getting everything settled with the company itself, it’s time to hit the road. This is where a lot of people become lackadaisical because they fear nothing with insurance in hand.
In reality, it is on the road where you should be overly cautious. While not common, there are cases of people pulling in front of other cars forcing you to follow dangerously close. This is a set up for a staged accident to get money off of you. A drastic, but perhaps logical solution may be to carry an accident emergency kit or a disposable camera in the car just in case.
In the event that an accident was to occur, there are several things to keep in mind when thinking about your Palatine auto insurance premium. First and foremost, always exchange information with the person driving the vehicle including driver license, vehicle registration and proof of insurance. It is advised to take pictures of all damage to both cars as well.
From there call the police and get a police report with the officer’s name. This will make it that much harder for a criminal to damage the car later in order to collect a larger claim. And while it sounds insane, avoid people who appear out of nowhere at the accident scene trying to get you to go to specific doctors or attorneys. Believe it or not, it does happen.
Something that is fairly common is people trying to offer quick cash to fix your car. These people may be in trouble with the law, be in trouble with their insurance company, or may not even have insurance at all. It is best to avoid any offers and stick with your Palatine auto insurance and the police at all times.
Scams are out there from before you have insurance in your hand to after an accident occurs. By following these tips, you can keep a clean slate and a low Palatine auto insurance premium.