How to File a Car Insurance Claim

Woman bends down at the scene of a car accident to inspect damage. Talking on phone with her insurance.Although auto insurance is required here in Massachusetts, it’s one of the few things you purchase hoping you’ll never actually have to use. But as we all know, car accidents and vehicle damage can happen to anyone, and in these cases, you may need to file a claim with your insurance company. In this blog, we’re going to review how to file a car insurance claim and what you can expect the process to entail.   [Read more…]

When Is a Car Considered Totaled?

Car CollisionLet’s say you’ve been in a car accident. This accident could have been just a dent, a minor fender bender, or a head-on collision that deployed the airbags. Believe it or not, there is a chance that the vehicle is deemed ‘totaled’ in any of these scenarios. What does this mean, and when is a car considered totaled? How do you know when your car is heading to the repair shop or the scrap pile? Well, this will all depend on where you live and several other factors. Let us explain.  [Read more…]

What Happens If Your Vehicle is Totaled?

A blue car on the side of the road that was rear-ended by a white car.When you take your insurance’s definition of a total loss into consideration, it’s easy to see why a seemingly minor dent totaled your 2007 Saturn Aura. By most definitions, a vehicle is considered totaled when the cost of repair exceeds the actual value of the car. If your car’s value is low enough, even a slight fender bender can result in a total loss declaration. However, though it’s easy to understand how a car can be considered totaled, it’s less obvious what happens after your vehicle is totaled. Let’s review the insurance process and what this designation means for you. [Read more…]

Choosing Between Replacement Cost and Actual Cash Value

There are two ways to insure your possessions: replacement cost and actual cash value cost. [Read more…]