TodayInsurance.net

Everyone likes to save money! That fact is not a secret to anyone. When trying to save money on car insurance, a question that should be considered is, “What will be the cost to me for “saving” money?” This question is meant to help people realize that there is a difference between “price” and “cost”. While Company “A” may offer slightly lower or even much lower premiums than Company “B”, Company “B” may offer some services that you prefer, i.e. a local agent, 24 hour service, online service etc. These services may be worth the extra price to some people, and not for others. Thus, it is shown that services received may out-weigh the price paid.

Another factor to take into consideration is the quality of service you receive from an insurance company. While all auto insurance companies want you to believe that they are as good, or even better than the next company that is simply not true. There are drastic differences (more...)

There are three categories of adjusters - company, independent, and public. Their licensing requirements are usually the same. The difference is in how they are paid. You will need one or more of them when you suffer an insurance loss.

The first is a company adjuster. He s a staff adjuster, working for your insurance company. He s on salary and handles all kinds of claims in your area - either residential or commercial but usually not both. He s been with the company long enough to be licensed and trusted with the company s clients. He s the one dispatched when you call your agent or home office to “report a claim.” Your agent represents you only until you have a claim. Now, the staff adjuster becomes the face of the insurance company. Within a few days after he s done, he s usually followed by a quality control adjuster who makes sure he did not overpay the claim and he worked hard to answer your questions. Many local staff adjusters have check-writing authority up to a limit determine (more...)