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Is Fixing a Car After an Accident Worth it?

Is Fixing a Car After an Accident Worth it?

Sometimes you will be faced with deciding between repairing your vehicle or considering it totaled. When a vehicle is considered a total-loss, it means the cost of repairs exceeds the value of the vehicle prior to the accident. Typically the insurance will make this determination but ultimately it is up to you if you would rather attempt repairs. The insurance adjuster will asses the damages and itemize a list of the required auto repairs and associated costs with the allowance they will pay for that repair. Sometimes they can arrange the auto repairs with an approved facility they pay directly, or…

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Understanding PIP (Personal Injury Protection)
Injured woman feeling bad after having a car crash

Understanding PIP (Personal Injury Protection)

UNDERSTANDING PIP (Personal Injury Protection) Personal Injury Protection is also referred to as No-fault Insurance. PIP was created to  simplify determining who is at fault. It will help cover costs for medical bills not covered by health insurance regardless of who is at fault. Although 23 states make it required, others have it as an available add-on to your policy. PIP is a smart investment even if your state does not require it, especially considering the financial burden a car accident can become. Expenses PIP can cover:  Medical expenses: medical and surgical supplies and services, ambulance service, x-rays, nursing, hospital…

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Understanding Insurance Coverage

Understanding Insurance Coverage

Insurance policies are filled with legal jargon and can be confusing, but it is important to know what is covered in your insurance plan.  Understanding the different coverages and which specific ones you have make the claims process much smoother. Aspects like whether you have towing and car rental covered in your plan are good to know prior to being in an accident, but understanding the options is useful when shopping for new policies too.  Know Your Policy The declarations page, which is the first page of any policy, states which coverages you are signed up for, the cost of…

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Deciding if You Need Medical Care After an Auto Accident

Deciding if You Need Medical Care After an Auto Accident

It is always a good idea to be checked out after an auto accident even if you don’t think you are hurt. Often, adrenaline blocks feeling pain right away after a collision. Aside from pain, you should seek medical attention if you experience numbness or dizziness.  It is common to wake up days later and then start to feel the effects of possible injuries. This is why it is a good idea to be checked immediately, even if you don’t necessarily feel any pain.  Not only is it  important to get this done in a timely manner for your own…

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