Archive by category "Finance"

How to File a Claim with Your Car Insurance Company

Whether you have been involved in an accident, had your car damaged because of bad weather, or had your vehicle broken into, you will need to file a claim with your insurance company. According to a Provo car insurance agency, after accessing the damage and checking to make sure no one was injured, if you were involved in an accident with another vehicle, you need to call your insurance company as soon as possible.Auto Accident Help

What Is Needed to File a Claim?

When you call the insurance company, you will need to give them some information so they can start processing a claim for you. The insurance company will need to know:

  • Your name and policy number
  • The date and time of the accident or incident
  • Information on the other drivers involved
  • Information on any witnesses including passengers that saw the incident
  • Driver’s license and plate numbers of the other drivers involved

If the police come out to the site of the incident, the insurance company may also request a copy of the police report. Usually, you will be given a copy of it after they have completed the report on the incident. It will be helpful to take pictures of the incident as well, so the insurance company can see the damage to your vehicle.

You may need to contact an attorney if the police find you at fault for an accident. An attorney can help you fight any claims made against you, and they may even be able to help you avoid paying a ticket for the accident if they can show that you were not the responsible party. For more information from, find out more about tips for filing a car insurance claim.

Handling the Claim

After you’ve filed a claim, your insurance company will contact you and have a claims adjuster come to your home to see the damage to your vehicle if it isn’t driveable, or they will have you drive it to their claims department location. The adjuster will evaluate the damage to your vehicle and talk to you about the incident and what your policy covers.

If the damage was caused by an accident, and the other driver was found at fault, their insurance company will contact you about the claim as well. Once he or she inspects your vehicle and accesses the evidence for any injury claims you might have, they will offer you an initial payment for your claim. If you feel the payment isn’t fair, you may need to call an attorney to help you get a fair settlement.

Tips To Help You Gain Financial Freedom

download (3)If you want to achieve long term success, then one of the most important things you can do is get your finances in order.  To avoid financial disaster in middle age, financial literacy should be a top priority.  In this article, we will provide you with some very important tips that can help you gain financial freedom.

If you are in debt, making payments on time needs to be a priority.  Keep in mind, you can’t just hope your debts magically go away and bury your head into the sand.  Late payments can have a negative effect on your credit score.  When you don’t make your payments on time, you will also incur late fees as well as additional interest charges.  If you continue to ignore making your payments, that hundred dollar debt of yours could eventually grow into thousands of dollars.  Credit card debt is one of the main areas where this happens, particularly since credit card interest and fees tend to be quite high.

Individuals who have multiple debts need to first focus on paying off the debt that has the highest interest rate.  If it is hard for you to make all of your payments on time, talk with your creditor to see if you can get a payment plan that allows you to pay your debts on time without affecting the money you need for your living expenses.

Unless you have an emergency where you are critically short on cash, do everything you can to avoid taking out a payday loan.  Many people draw on their credit line to finance a lifestyle they really can’t afford.  It is much better to live below your means and stay out of debt.  You will sleep much better at night if you do this.

The biggest steps you can take towards achieving financial freedom is to stay away from debt as much as possible and pay all your bills on time.  Learn what your emotional buying triggers are so that you can avoid unnecessary spending and practice frugal spending habits instead.

Some women have to tendency to go shopping whenever they are feeling stressed out.  Other people spend hundreds of dollars by buying a double latte every day on their way to work.  Once you become aware of what your spending triggers are you can start to eliminate these bad habits.

If you start to follow the advice in the tips we provided to you above, you can prosper and achieve financial freedom.