One Day Insurance For Your Car Can Provide Good Coverage

There are many reasons that people decide to change their existing auto insurance coverage to one that is less expensive and less complicated. One choice that many people across Europe have been making is switching to one day car insurance policies from more expensive, annual ones. There are a lot of different reasons that people end up wanting to get this type of coverage. Anytime that you use a car that you do not personally own, you are not going to want to get a full time coverage plan. Instead, you will be more likely to purchase a short term plan that costs less and that sounds rational.

In larger cities where there are alternative modes of transportation other than driving your own car, many people do not even want to get insurance. If those people decide to drive for a single day, then they will likely contact an insurance agent and set up a one day coverage policy. There are always going to be weird situations that arise in which you may need to drive. Even though you may feel as though your chances of getting into an accident are very low, it is still wise to have insurance. The insurance companies are not going to rip you off with one day policies, in fact, they are very reasonably priced.

The amount of cash that you would be required to pay to another party if you got into a crash with them would definitely outweigh the cost to buy daily car insurance. If you are a person that lives in London, UK and you frequently travel by bus, then it makes absolutely zero sense to have an insurance package for your car (even if you own one). However, if you do decide that you want to take your car out on the road instead of riding the bus a couple of days, you can phone an insurance agent and set up one day insurance for your car.

The single day auto insurance options are going to be very easy to figure out. You basically can set up the exact type of coverage you want (e.g. whether you want the most comprehensive daily coverage or the standard) and then negotiate plan. The nice thing about 1 day car insurance is that it is affordable and very easy to work with. If you have found that your insurance provider does not offer this type of coverage, ask for more details regarding their short term coverage options and you may be able to work out a customized policy that is tailored to what you need.

Accidents and One Day Car Insurance

You just had an accident in the new truck you borrowed from you brother-in-law, and you are so thankful you listened to the sensible advice you were given by someone and bought the one day car insurance. Whether you have ever been in a car accident or this is your first one, there are certain steps to take, information to gather and details that must be attended to which are very important to the eventual outcome of the incident. These are things that need to be taken of care any time an accident occurs regardless whether you are covered by your regular insurance in your own vehicle, or were driving someone else’s car or truck and you have a special one day car insurance policy.

The list of things you need to do is long and everything on it is important whether you think it applies to you or not. Following protocol now will make things easier in the long run regardless if the policy you are filing a claim on is a semiannual long-term insurance policy or it is a one day car insurance rider.

1. Contact your carrier immediately. The only exception would be if you or your passengers are seriously injured and you need immediate medical attention, otherwise your agent should be the first person you tell when you are involved in an accident and the injuries are minor, not life threatening.

2. Go over your policy with a fine tooth comb, reading all the exceptions and fine print.

3. Get all the details. Talk to any witnesses, being certain to get their names telephone numbers and addresses. Take as many pictures of the accident scene and the damages done, not only to your vehicle, but if there other cars involved, record the damages done and injures suffered. Be your own personal CSI so nothing important is left to chance.

4. Document their insurance information. Take down their insurance company’s name, the policy number and the contact information.

5. Keep as complete record of all conversations and dealings with everyone involved. You might feel a little uncomfortable making audio or video recording of all interactions with either insurance company, with the other driver involved, or with the claims department, but this is your best defense when building a strong case.

6. Keep an exact and detailed accounting of all bills or expenses for filing your insurance claim.

7. Be honest and upfront with the claims adjuster. Leaving out some details or exaggerating the cost and loss would be grounds for dismissal of your claim due to fraud. Point out that you made a responsible choice when you purchased one day car insurance, when so many people don’t think it’s important or necessary.

8. Review all existing insurance policies before you file with the claims adjuster.

9. Don’t automatically blame yourself for causing the accident if the incident report is unclear where all the blame might lie. Leave that up to their investigators, interpreting all the facts to decide the party responsible for the accident is their job.

10. Submit nothing in writing to either insurance agency pertaining to details yet undetermined by the experts, because you can’t take it back.

11. File your claim in a timely fashion. This is NOT the time to procrastinate. All companies vary in the time allowed to submit an accident claim. Find out right away what your window of opportunity to file is and get it done!

12. Never accept their first offer or agree with their findings, until you have all the details and estimates of damages and the cost of repairs, Definitely get your own estimates done by an independent third-party. Sadly, your own insurance company is going to want to pay the least possible amount of money, because after all they are still in business to make money, not friends.

13. DO NOT SIGN any legal documents until you consult an attorney!

14. Never accept and or cash a check from the insurance company as a partial payment or final settlement until you are absolutely satisfied that is fair compensation for your trouble. You won’t be given a second chance to get all that you deserve.

It is a wise person indeed that has the foresight to actually go out and buy a one day car insurance policy when they are planning to use a car or truck that doesn’t belong to them. There are very few things that happen as you are traveling along the road of life can mess up your routine like being involved in a car accident unless you are an uninsured motorist who is driving someone else’s ride. You think dealing with the details of the claims and process are tough, the consequences are nothing compared to breaking the law and driving without insurance.

How Does One Day Car Insurance Work?

Car insurance is a very familiar thing for anyone driving on the road daily or even occasionally but one day car insurance may still appear new to your ears these days. What exactly is a one day car insurance? How can you get the full advantage of this type of insurance for all your travel plans for both business and personal activities? Is this right for you?

One Day Car Insurance Explained

One day auto insurance obviously covers your vehicle or trip for a single day. This is an innovative approach to the regular policy that people usually pay on a yearly basis. The difference actually lies on the way you travel or the number of times you use your car on the road.

If you are using your car for work each day, then you surely have signed up for an annual car insurance policy with your chosen features and coverage that suits your needs best. You will even wonder what good one day car insurance can do to you with your current lifestyle. This can actually help you during an unplanned trip, short vacations or travel plans that are not covered with your current annual plan.

How it Works

The good thing with this car insurance for a single day is that you will only have to pay for the day your vehicle is covered by the insurer. This simply means that you actually get a lot of savings as compared to your annual insurance policy. It comes with lower premium and less additional charges on your part since you will only have your car insured for a day or two. You do not even have to own a car to avail this auto insurance for a single day.

This is ideal if you are going to travel to another state or country that is not covered by your regular insurance package. Either you have the option to get your car or any rented vehicle registered for this kind of special insurance or even a short term insurance plan that matches your travel modes. For example, if you have your old SUV, truck and a new sports car on your garage and you want to use the new sports car in traveling to another state that is not covered by its annual insurance policy, then you would normally get one day insurance for your convenience.

You can even rent a car while you are in another country and find the best deals in getting it insured for a single day or two based on the available options that come with the car rental company you are dealing with. The stuff works as simply as you can imagine. You just have to figure things out ahead then find the best quotes online and pay for your best choice. You can upload/download all necessary documents after paying then go out of the road safely and travel conveniently without any hassle. Enjoy all the remarkable benefits of one day car insurance in action.