Will my Car Insurance Company Cover Damages Due to Animal Collision
Reader’s Question:
I ran into an animal in a highway in Montana, and my car sustained some minor damages. Will my car insurance shoulder the repairs for my car?
Wilson
Billings, MT
Your current Montana car insurance may assist you financially and may reimburse repairs cost if you have the comprehensive and collision coverage in your policy at the time of the accident. This insurance not only covers for repairs following an accident where the other driver wrecks your car but it will also pay if your car sustained damages due to hurricanes, falling tree branch, or collision with animals. However, if you did not avail of this insurance, then you will have to foot the bill for all the damages.
If you decide to go ahead with the claim since you have the collision and comprehensive coverage anyway, bear in mind that this claim will be on your insurance record permanently and may cause your car insurance premiums to increase in the future. So if you are able to shoulder the expenses incurred without too much difficulty, then it is better to not file this claim to pay for the minor damages to your car.
And always remember to practice safe driving. Animal, especially deer, collision in the United States amount to fifteen percent of claims filed against car insurance companies. Thirteen thousand Americans have been injured and some resulted in deaths. Be especially careful during the months of November as it has been observed that deer collisions increase during this month.
Car Insurance Discounted Rates for Women in Montana
Reader’s Question:
I recently moved here in Montana. My husband said I may qualify for discounted rates on my car insurance. Is this true?
Minnie
Great Falls, MT
Women are more likely to receive discounts from car insurance companies. This is because insurers believe that females are low risk drivers compared to their male counterparts. This is based on statistics that show females rarely exhibit risky driving behaviors than males. Females also have a lower number of claims filed with their insurers, thus saving the car insurance provider’s money. A number of other factors also considered by insurers in giving discounts to women are their type of work, age and their location. Women who have less life threatening work, like a clerical job in a company, will have a more favorable review from an insurer’s point of view compared to those who work in factories. So, remember to mention this to your agent if you have a desk job or any other sedentary work to avail of car insurance discounts. Women over the age of fifty, on the other hand, tend to file fewer claims as opposed to the younger population of women thus entitling them to lower insurance rates. Residential or work location also affects premiums. Urban areas have a larger population of motorists, thus increasing the probability of road accidents. Suburbs or rural areas have lower car density and naturally have lesser road accidents.
Give your agent a call. You definitely are eligible for a car insurance discount.
Is There an Affordable High Risk Car Insurance in Montana?
Reader’s Question:
I’ve had several unfortunate road accidents in the past, so I probably fall under the category of high-risk drivers. At the time, I was very young and was using my mother’s car. Now I have to get my own car insurance coverage. Can I still purchase a car insurance policy here in Montana that is affordable?
Mark
Billings, MT
Some companies actually specialize in car insurance policies for high-risk drivers. You can research these companies if you have Internet access at home. It shouldn’t take too long. This is key to finding a car insurance policy in Montana for your needs because this way, you can compare rates and the amount of coverage you might be offered. Some car insurance companies have specific programs for young drivers, first time drivers and those with bad records. These programs make them a better choice than their competition which might quote you higher premiums. Most of them specifically try to attract high-risk drivers as clients, so you can benefit from their great offers. Narrow your search to include the terms “high-risk driver” and “car insurance” and study the insurers that turn up on your screen.
There are also other ways to bring down your car insurance premium. From now on, try to drive more responsibly. A good driving record is always good to have. Instead of paying monthly, which actually ends up being more costly, find a way to pay your dues yearly. If your car is found to be expensive to repair, your car insurance rates will increase so the best car for you would be a reliable yet cheaper one. Finally, keep your car safe. A no-claims discount can save you a lot of money.
