Nobody wants to involved in car accident and sometimes filing insurance claim could be exhausting and involving long process. According your car insurance type, you need to file a claim to your insurance company when your car collide with another vehicle, being vandalism victim, stolen or damaged from weather, animal or fire. Make sure you prepare your personal data, such as policy number, your policy's duration, date and time of incident, and so on. Your insurance company might ask further question in the process to complete your statement. The more detailed information and evidence you can collect, the better. 

Information You will Need

Pass all of these information to your claim adjuster and make sure you also have the copy for yourself. You also need to contact your insurer as soon as possible. It will be easier for them to get accurate data. If possible, call them from the scene of accident. Even if you ask for your claim adjuster to proceed the claim, you need to be cooperative and prompt. Good communication is the key to speed up your claim process. And last but not least, be honest. Even if you are at fault in the accident, don't try to get out with lies. Insurance fraud could cost you a lot more money than the premium itself. 

You are young, under 25 years old. And have sports car. Perfect? Not yet. No matter how good you drive, protect your car (and your self, of course) by purchasing performance car insurance. But isn't it expensive? Yes, it is. Performance car insurance is commonly more expensive than standard vehicle insurance. And it will be more expensive if the insured is under 25 years old because they tend to be riskier to insure. But it doesn't mean that you can't get cheap insurance quote. 

There are several way to get cheaper performance car insurance for youngster. Options number one, get comprehensive insurance. Comprehensive insurance will covers accidental damage to your car or another vehicle or property. Options number two, third party fire and theft. This insurance will only cover your car from fire and theft as well as damage to other vehicle or property. Options number three, third party insurance. It covers only damage to other vehicle or property. You can also listed as a driver on your parent's existing insurance plan to reduce the cost of premiums. But you have to make sure that you're aware of the policy's fine print. You need to understand exactly what it covers and the excess cost involved when you make a claim.

How can I reduce my premiums?

Don't be reckless, drive safely, and be protected by performance car insurance.

If you own business or a professional, you might want to know about indemnity insurance. And many people probably never heard about this type of insurance before or unfamiliar with this term. So, what is indemnity insurance? Indemnity insurance is a protection type of insurance for professionals and business owners for their particular loss or fault. The indemnity itself means an obligation by a person (indemnitor) to provide compensation for a particular loss suffered by another person (indemnitee). Malpractice insurance and errors and omissions insurance are typical examples of indemnity insurance. 

Let say you have design related business then you are alleged to have provided inadequate service or designs to your client; violating copyright or confidentiality, your professional indemnity insurance will provide cover for legal costs (if your client take legal action against you) and expenses as well as compensation payable to your client to amend your mistake. It sounds trivial but you might suffer huge financial loss from client's complaint.

The reasons why you need Professional Indemnity Insurance:

Generally, professional indemnity insurance company gives wide range covers, including:

Professionals involved in financial and legal services generally carried indemnity insurance, such as financial advisors, insurance agents, accountants, mortgage brokers and attorneys. Many medical practitioners also carry malpractice insurance to protects them from civil claims from professional negligence resulting in physical or mental harm to patients. Another professions, such as contractors, consultants and maintenance professionals carry this insurance as well because of their "performance failure" claims.