Choosing The Best Auto Insurance Company — 5 Ways Auto Insurance Companies May Cheat On You
Choose your auto insurance company wisely. This is probably the best advice that you should follow when you are about to cover your car with auto insurance premiums. There are many auto insurance companies out there, and they are competing with each other. Each company will offer you the best deal in order to hook you into following their insurance plan. But, remember that not all insurance companies are fair in their dealings with their customers. There are many cases when these companies refuse to cover the cost of car repairs from the customers, although their claims were legitimate.
This is why you have to make sure that you are choosing the best car insurance company that has a good reputation and credibility in the industry. For instance, you can do it by using Allied insurance. Don’t get easily dumped by cheap premium costs, since it may be too good to be true for you.
Here are 5 ways auto insurance companies may cheat on you:
1. Hiding The Various Claim Restrictions In The Small Print
Before agreeing to follow any car insurance plan, you have to really read the Terms of Agreement given by the insurance company. Most of the time, the most important information that you need to know is hidden in the small print within the car insurance agreement.
Many car insurance agents might tell you that their company is giving the best protection plan for your car, providing cost coverage for various accidents, and so on. But, when you read the small print, their claim might only work with certain car models, and with the highest premium cost. That’s why reading their small print is very important to really know about your rights as the insurance customer. Allied insurance will ensure that the customers know what they will get.
2. Offering The Cheapest Insurance Plan With Less Benefits
Often, many insurance agents will offer you the cheapest insurance plan just to hook you up into signing the insurance agreement with their company. Of course, these agents want to trick you to apply to their insurance plan immediately, thinking that it is the best deal that you can get out there.
But, the cheapest insurance plan will usually offer less benefits for the customers, and often, the insurance agents will not tell you about that. They just hook you with a cheap insurance plan, and you agree to sign up into the plan immediately without asking too many questions. However, there are many good auto insurance deals that offer more benefits to you, such as Allied insurance.
3. Doubting The Customers For The Claim That They Make
While it is true that some customers may file repeat insurance claims because they want to abuse their rights as the insurance customer, many insurance companies will usually regard all customers the same way. Yes, whether you are a good customer or a bad customer, these companies will doubt the claim that you make.
If you have a small accident that is legitimately covered by your insurance plan, the company may doubt your claim and choose to delay or deny the payout for your claim. Generalizing all customers as bad customers are usually the standard operation procedure of many insurance companies. Allied car insurance will make sure that each customer’s claim is investigated immediately for the benefits of the customers.
4. Releasing The Lowest Claim Value For The Customers
Another trick that is played by the insurance companies is to release the lowest claim value to the customers. In other words, they don’t want to cover the full cost of your car repair, even though it is covered in the insurance plan. They will simply try to create many excuses about it, and decide to just cover a part of the car repair cost.
As a result, you will be the one who will pay most of the car repair cost, despite the insurance agreement saying that you are eligible for full coverage of the car repair cost. So, you have to be aware that there are some insurance companies that do this trick to their customers.
5. Treating The Customers Unfairly
A bad customer service has become a common problem of many insurance companies. This can vary from not answering customer phone calls or emails, rudely accusing the customers as cheaters, not giving the customers their rights, denying customer claims without doing any investigation, and so on.
Perhaps, when an insurance company is dealing with many claims from customers, they can turn into the worst company that you have been dealing with. So, be sure to choose the company that has the best customer service department. Allied insurance will ensure that you get the auto insurance that suits your needs.