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Auto Insurance


The National Highway Traffic Safety Administration (NHTSA) recalled 51 million cars and trucks in 2015.


The NHTSA and car manufacturers issue car recalls when it is determined that there is a safety-related defect with a specific model. A car recall can also be issued if the car model does not comply with safety standards set by federal authorities.


When vehicles are recalled, an alert is issued to car owners. The car owner is then required to return the car to the dealership in order for the issue to be repaired. The repair is done at no charge to the vehicle owner. In extreme and rare cases, the entire vehicle may be replaced.

Photo Wikipedia

Photo Wikipedia


How Vehicle Recalls Affect Insurance Premiums

One of the many thoughts that go through a car owner’s mind when they receive a notice of a car recall is how it will affect their insurance premiums. The following are some things to keep in mind when faced with a vehicle recall.


  1. Your insurance rates won’t be affected

Your insurance rates shouldn’t be affected by the recall. The insurance company is not responsible for the repairs, the manufacturer is. Your insurance company therefore will have no reason to raise your insurance rates especially if the safety issue is resolved. You will however need to provide proof of paperwork showing your insurance provider that the safety issue was repaired.


  1. Ignoring a recall may cause insurance rates to rise

When you get a recall notice from your manufacturer, be sure to have the vehicle fixed at the dealership as soon as possible, even if it is a minor problem. Neglecting to get the vehicle repaired may result in an accident. Insurance providers will increase your rates if you ignore the recall notice.


  1. Insurance rates are higher for cars with repeated recall history

If you’re shopping for a car, it’s a good idea to check the recall history of the model or manufacturer. If a certain vehicle’s make and model has been consistently recalled for safety issues, your Insurance provider could issue higher insurance rates as your vehicle has proven to be unreliable.


  1. Not all recalls are the same

Some recalls are for small issues, such as a misplaced sticker, and can be fixed quickly. Other recalls are for major issues and could put your safety at risk. It is therefore important to have your car checked as soon as possible.


What to do When You Get a Vehicle Recall Notice

According to a study by J.D. Power, one in six cars on U.S. roadways are unrepaired despite an outstanding vehicle recall. This puts drivers and other road users in danger. When you receive a recall notice, make sure you:


  1. Contact your dealership

Your car should be returned to the dealership for repair. Don’t take it to your local repair shop. The dealer will have the car repaired at no cost to you. Depending on the issue and the size of the recall, it may take a few minutes or a few months to have your vehicle repaired.


  1. Contact your insurance provider

Provide your insurance agent with documentation showing that your vehicle has been repaired. This will show that you complied with the recall notice and that your vehicle is safe to drive. Your insurance provider will not increase your rates.


Beyond making sure that your vehicle is safe, it’s important to have insurance that you can depend on. Finally, auto insurance comparisons will help you find an auto insurer that will cover your needs at an affordable price.


You’re a smart and savvy consumer, always looking for a way to save money while still getting the best service. Because of this, you’ve probably done a lot of car insurance comparison shopping. It’s great to take charge, but the road to best and most affordable car insurance isn’t without pitfalls.

Below are some of the most common car insurance comparison mistakes and how to avoid them.

Mistake #1: Not Shopping Around

You have to start somewhere, and by far one of the biggest mistakes you can make is purchasing the first insurance package you come across. How can you possibly find the coverage that best suits your needs and budget if you don’t compare?

Mistake #2: Not Providing Accurate Information

When you’re using car insurance comparison sites like CoverHound, you are directed to fill out an online form. This form asks you several questions in order to gain information used to generate a quote. If you enter details that are incorrect about your car, or give inaccurate answers to questions about your driving record, you’re not helping yourself. If you have traffic violations or previous accidents on your driving record, your car insurance package will reflect it. The only way to get an accurate quote is to provide all the necessary and correct information to the best of your ability.

Mistake #3: Misunderstanding Coverage

If you don’t do your research before shopping around, you may fall into the trap of buying coverage you don’t really need—or worse—not buying enough! Understanding the type of car insurance your state requires motorists to carry is essential to finding a package that works for you. This is a big help when comparison-shopping for auto insurance, because if you know precisely what your needs are, you can whittle down the competition and find an insurance package you need at a price you can afford.

Mistake #4: Failing to Consider the Extras

You may think that you only need to buy the minimum amount of insurance required by your state, hoping to save money by not getting the extra add-ons insurance companies provide. For example, you may have coverage to repair your vehicle if an accident should occur, but what will you drive in the meantime? Unless you have an extra car, you should consider whether or not you need a policy that will cover a rental car while yours is in the shop.

A good strategy is to familiarize yourself with the ins and outs of any car insurance policy you’re thinking of buying while weighing the extra add-ons that may come in handy.

Mistake #5: Concentrating on Cost Alone

One of the misconceptions about shopping for car insurance revolves around the idea that the less money you pay, the better the deal. What you really should be looking at is what you’re getting for the price of the policy. Make sure you examine all of the things included in the policy; this is the only way to truly compare different policies. Just because a company offers a good deal on minimum coverage doesn’t mean that they’ll offer a better deal on higher coverage policies.

In the End

When you finally make the choice toward an insurance plan, you want to rest easy knowing you’re not only getting your money’s worth, but also the coverage you need in case of an accident. Use the knowledge you’ve gained here to go out and get the right coverage for the right price!


Whenever an automobile is involved in an accident, the people involved are sure to become emotional. If the accident involves injuries or significant damages, then those emotions might be very high. Unfortunately, the right time to gather information for Pflugerville insurance agents is within those first emotion-laden moments. A lot of facts and proof will need to be gathered in order to determine who is liable. If you are able to gather our wits, any information you can gather now may help you to help your insurance provider get your reimbursement on its way.


Photo Source: masterherald.com

Establishing Fault Versus Liability

Even if it seems obvious who was at fault in an accident, proving liability to the insurance companies can be difficult. To efficiently work with your insurer, you’ll need to prepare a strong argument to support your version of the circumstances. There are some valuable types of information to gather and share with your agent to improve the amount and speed of compensation you receive.

Ask for Copies of Police Reports

If the police come to the scene of the accident, an officer is likely to make a report. Ask the officer if you can get a copy of that report after it has been filed. If an officer doesn’t arrive, you and the other parties to the accident may have to report to the nearest police station. You can also get copies of those documents for your Pflugerville insurance provider. These reports often provide evidence regarding:

  • Distracted driving
  • Speeding
  • The presence of drugs or alcohol
  • The use of a cellphone
  • Inattentiveness

With these reports, you are more likely to get an accident liability report within less time.

Gather Facts While They Are Fresh

There are many details regarding the accident that might seem startlingly clear in the moment, but when your adrenalin drops, you may just want to forget about the whole thing. While you are at the scene and everything is fresh in your mind, take note of some important details:

  • The other driver’s license plate number
  • Contact information of everyone involved and witnesses
  • The date and time of the accident
  • Location information, such as the street name
  • A description of damages done to any of the vehicles

The Pflugerville insurance company might also appreciate any pictures that you are able to take or details such as what the weather was like or the order of events leading up to the accident.

Familiarize Yourself with Local Traffic Laws

Brush up on your knowledge of local traffic laws. If you can provide any evidence to show that the other driver was violating local vehicle codes, then you and your Pflugerville insurance company will have an easier time negotiating for reimbursement from the other party.

Comparative Negligence and Apportioned Damages

There are some accidents where establishing who is at fault and liable will be easy. This include rear end and left-turn collisions. These cases are almost always settled swiftly. However, other instances take a closer look. For example, when road or traffic conditions are part of the equation or if both drivers were distracted, then principles of comparative negligence may be brought into the situation. When this happens, then your ability to work with the Pflugerville insurance company can improve their ability to apportion fault and determine liability.