The decision about whether or not to use your auto insurance on this claim was a fairly easy one.
The damage to the front lip of the hood of your new car that your husband caused when he was attempting to make his way through a tight space in a parking lot is estimated at just over $900.
The cost of replacing the passenger side view mirror after you misjudged the distance when you backed out of the garage is a little more than $700.
Because the damage was clearly caused by two different events they would need to be submitted as two different events. With a $1000 deductible, an insurance claim simply does not make sense this time. In the past, however, your auto insurance coverage has been a real advantage. When your husband’s car was totaled by a hailstorm, for instance, the auto insurance allowed you to replace that car with very little money out of pocket.

With the recent extreme weather conditions, more and more Americans find themselves in need of insurance coverage. Given that aauto insurance coverage options include a variety of plans, however, it is important to understand whether or not your current policy will pay for damage caused by high winds, hail, and flooding. And while the majority of insurance companies cover losses that are caused by weather events, it is always a good idea to ask these specific questions when you are deciding on a new policy.
Whether you are the parents of two teenage drivers or as a parent you are the one causing the damage to a car, having the right kind of insurance policy is essential. From home insurance policies to automobile insurance policies, protecting the things that we own is an important part of today’s world. Consider some of these facts and figures about the insurance needs that most families have:

• 65% of Americans indicate that they have not purchased more life insurance because they think it is too expensive. In reality, however, 80% of consumers misjudge the price of term life insurance.
• 98% of basements in America will suffer from some type of water damage during at one point or another.
• Millennials overestimate the cost of life insurance by 213%. Generation Xers, on the other hand, overestimate the cost by as much as 119%.
• 33% of insured homes has a property damage claim related to hail or wind every year.
• 5.3% of insured homes had a claim in the year 2014, according to International Organization for Standardization (ISO). Property damage, which includes theft, accounted for 97.3% of those claims.
• 16% of American drivers are uninsured at any given moment. For this reason, many insurance plans include uninsured motorist coverage.
• Although rates may vary from one provider to another, some policy holders can save 5% off car insurance premiums simply by equipping a vehicle with four winter tires.
• Average insurance costs for sedans rose 9.6%, or $107, to $1,222 in the year 2015. This was an increase from the 2014 average of $1,115.
• Unfortunately, the lives of approximately 1.25 million people are cut short as a result of a road traffic crash every single year. Beyond this statistic is the fact that 20 and 50 million more people suffer non-fatal injuries, with many incurring a disability as a result of their injury.

Automobile insurance is a requirement of licensing a car. Finding the right kind of policy for your family, however, can take some work. Making sure that you understand what your deductibles are and exactly what is covered can help you make the best decision when it comes to getting the policy that you need. For home and business owners to automobile owners, it is important to not only maintain your property, it is also essential to make sure you have the best insurance plan in place. When weather strikes your home or when a careless driver strikes your car, it is often the insurance company that will help pick up the pieces. From paying for home damage to making sure that the responsible driver’s insurance company pays all of the recovery bills, an insurance agent can help you get the satisfaction that you need for your home, health, or car.