Call your insurance company right away! Most companies have time limits, so make that call a priorit

While most people might be able to pay a $500 deductible in the event of an accident, a million dollar lawsuit would be tough to write a check for. So why would you pay extra for a lower deductible but not max out your liability coverage? You shouldn't. Before you put your money into a low deductible, you should move it to a place where it can protect you from the most harm. It's relatively cheap, so you can probably weather in los angeles ca afford both anyway. And, you can also save money on personal injury premiums if you already have health insurance.
Make sure your liability per person doesn't fall short of your total liability coverage. For instance, if your total coverage is $500,000, but your per person cap is $200,000, you could be on the hook for an accident that results in a $300,000 lawsuit if it only involves one person… okay, just trust me on this one. I did the math.
Your mother-in-law weather in los angeles ca may be a great gal, but do you really want to take her advice on insurance? Even if she's an insurance agent, you'll want to get an unbiased opinion from a neutral party who's not getting a commission on your sale. For a few hundred dollars, you can hire a pro to look at your specific family and financial situation and recommend an insurance plan.
Not rent er 's insurance, rent al insurance. If you don t have an extra car sitting around like most of us don't, make sure your policy covers the cost of a rental should your car have to go into the shop after an accident. Having to rent a car while your car sits in the shop for a week or so could add hundreds of dollars' worth of pain to your wallet after an accident.
If you wear your seatbelt, don't get into accidents, don't get traffic tickets, have a car alarm, take a safety class (if you're a senior) and get good grades (if you've got a teen driver, that is) your company will probably give you a discount.
Unlike homeowners insurance, most people will file an auto insurance claim at some point in the life of their car. So you need a company that is responsive weather in los angeles ca and responsible. Also, avoid the smaller fly-by-night agencies that might go out of business leaving you in the lurch or with a company that you didn't choose (think mortgage servicing…). Make your agent walk you through the claims process. Will your insurance pay for brand name or generic parts to fix your car after an accident? Will you be limited in your choice of mechanics or body shops? If the language in your contract is unclear, have your agent put anything you don t understand in writing. If they can't or won't do this, chances are that your service going forward won't be so great.
Call your insurance company right away! Most companies have time limits, so make that call a priority. Then start a log where everything you do, say and hear gets recorded in it. Keep all documents and receipts and if you can, record phone calls. Be polite, but be firm when negotiating your repairs.
Behavioral psychologists have demonstrated in countless studies that intrinsic motivation leads to extrinsic goal attainment. To begin something as important as the wealth management plan without a clear picture of what is important to you is like trying to put a jigsaw puzzle together without the picture on the box.