Let us say (god forbid this ever happens to you in your lifetime) that you are involved in an automobile accident. Now, in the best of scenarios, the parties involved tend to blame each other. And the blame game gets more and more serious in direct proportion to the seriousness of the accident. But in a really bad accident, one in which there is loss of limb or worse, mere mortals can barely be expected to cope. Of course the police and the paramedics will be called in. But there is probably someone who is more important especially after the immediate concerns are taken care of. This is an accident investigator.
An accident investigator, despite the similar sounding name is a rather tame professional who works in a rather tame industry. An accident investigator works in the insurance industry. Now you know why they are important! But jokes apart, if the accident you are involved in is a serious one, then you will need the services of these accident investigators. For unless they certify that the cause of the accident is not you or your carelessness, you can kiss any hopes of ever getting your hands on the insurance money goodbye.
An accident investigator is exceptionally critical in cases involving newer vehicles. This is because newer vehicles typically are worth more and have paid up very little insurance premium. And then there are the nefarious sorts of people who try and commit insurance fraud and nearly all of them fake accidents with newer vehicles. Hence it is almost always a norm for all accidents involving newer vehicles to have an accident investigator assigned to them. And finally, there are cases where vehicles have been stolen. This is the kind of situation where the accident investigator is at his or her finest. For this is when they are called to play a dual role. They essay their normal roles of accident investigators and play the role of criminal sleuths as well.
It is difficult to characterize of classify an accident investigator. After all, there are as many types of accident investigators as there are accident investigators. But one thing is for certain. When you are in a tight spot and need some quick and efficient resolution of an accident (and hopefully that money to get you your next set of wheels!) call on an accident investigator. Otherwise, avoid them and hope you never need their services!
Friday, March 28, 2008
Car Accidents
Car Accidents
Whenever there is a plane or train crash or a ferry disaster, it's headline news. Car accidents are not treated in the same way and they are just taken for granted as a part of life. The vast majority of accidents are the result of human error and perhaps they shouldn't be called accidents at all. They ruin lives and increase insurance premiums.
It shouldn't be a question of money but people who can afford the more expensive cars get more safety features. A lot of car owners do have air bags and they have saved many lives. Any innovation on safety should be a standard component in a vehicle, not an extra, accessible to the few.
Alcohol and both prescription and recreational drugs are a big factor in car accidents. Even a small amount of alcohol can impact on the reactions and judgment of the driver. Drugs such as cannabis stay in the body for a long time and this is a little talked about problem. People who party at night get up the next morning and get behind the wheel, not realizing that alcohol or drugs are still in their system. Many car accidents are caused by drivers incorrectly thinking that they are sober.
Tiredness is another problem, with people becoming drowsy and falling asleep at the wheel. The advice is to pull over and have a break, perhaps call in and grab a coffee somewhere. Whilst driving, avoid car accidents by staying alert and have the window down to allow fresh air to circulate. Turn the radio on for something to stimulate the mind. Car owners who have air fresheners in the car should have the kind that keeps them awake and not the scents that are designed to relax. There are rules governing the number of hours that commercial drivers are allowed to continuously drive but everyone knows that some of their employers put a lot of pressure on them to meet deadlines.
One of the worst accidents in the UK was when a car going along the motorway inexplicably swerved to the left, crashed through a barrier and went down the slope onto the railway track. The driver managed to get out and was calling for help when an oncoming train hit the car at high speed. Many passengers were killed and injured and the car driver was jailed for several years. His defense stated that there had been something mechanically wrong with his car but there was no evidence for this. However, it came out in court that the man had stayed up all night and was driving, having had no sleep. It was concluded that he must have fallen asleep momentarily and lost control of the vehicle. Everyone thinks that these sorts of car accidents won't happen to them but it only takes a second for their life to spiral out of control.
Whenever there is a plane or train crash or a ferry disaster, it's headline news. Car accidents are not treated in the same way and they are just taken for granted as a part of life. The vast majority of accidents are the result of human error and perhaps they shouldn't be called accidents at all. They ruin lives and increase insurance premiums.
It shouldn't be a question of money but people who can afford the more expensive cars get more safety features. A lot of car owners do have air bags and they have saved many lives. Any innovation on safety should be a standard component in a vehicle, not an extra, accessible to the few.
Alcohol and both prescription and recreational drugs are a big factor in car accidents. Even a small amount of alcohol can impact on the reactions and judgment of the driver. Drugs such as cannabis stay in the body for a long time and this is a little talked about problem. People who party at night get up the next morning and get behind the wheel, not realizing that alcohol or drugs are still in their system. Many car accidents are caused by drivers incorrectly thinking that they are sober.
Tiredness is another problem, with people becoming drowsy and falling asleep at the wheel. The advice is to pull over and have a break, perhaps call in and grab a coffee somewhere. Whilst driving, avoid car accidents by staying alert and have the window down to allow fresh air to circulate. Turn the radio on for something to stimulate the mind. Car owners who have air fresheners in the car should have the kind that keeps them awake and not the scents that are designed to relax. There are rules governing the number of hours that commercial drivers are allowed to continuously drive but everyone knows that some of their employers put a lot of pressure on them to meet deadlines.
One of the worst accidents in the UK was when a car going along the motorway inexplicably swerved to the left, crashed through a barrier and went down the slope onto the railway track. The driver managed to get out and was calling for help when an oncoming train hit the car at high speed. Many passengers were killed and injured and the car driver was jailed for several years. His defense stated that there had been something mechanically wrong with his car but there was no evidence for this. However, it came out in court that the man had stayed up all night and was driving, having had no sleep. It was concluded that he must have fallen asleep momentarily and lost control of the vehicle. Everyone thinks that these sorts of car accidents won't happen to them but it only takes a second for their life to spiral out of control.
Thursday, March 13, 2008
Types Of Auto Insurances For Customers
Purchasing auto insurance can be a big decision for some consumers, especially with each individual state having their own minimum insurance requirements that they mandate vehicle owners have in order to legally drive their car. Prior to purchasing any type of automobile insurance it's important to know the various types of auto insurance services and coverage available from the insurance providers.
At a minimum every state requires all vehicle drivers to be insured with liability insurance. Basically, liability insurance covers the expenses that occur if you cause an accident and destroy someone else's car or auto. Liability insurance doesn’t pay for any damage that your automobile sustains in an accident that you cause. Almost every financial lender or loan provider will require a consumer to have full auto insurance coverage instead of just liability insurance in order to preserve the value of their loan against a new or used car that is financed by the bank.
Property damage is the amount of insurance needed to pay for repairs or damages to another motorist's vehicle if you are the root cause of an accident. This is one portion of the minimum required liability insurance as mandated by the individual states. Without this insurance the consumer responsible for the accident would be held accountable to pay for any damages or financial liabilities as a result of the accident. With the price of today's automobiles this could prove to be financially disastrous which is why every state requires a minimum amount of property damage coverage.
Personal injury protection is insurance coverage that pays for a percentage of any medical bills as a result of hospitalization or medical treatment received. It also provides some assistance with wages that are lost as a result of the accident and some death benefits.
Uninsured motorist insurance coverage provides relief to you in case you are involved in an accident without being at fault and the other driver has no car insurance coverage. Although every state requires a minimum amount of liability insurance there are still many drivers that don’t carry or have any auto insurance making this form of insurance almost a necessity in order to give you some peace of mind while driving on the road.
Comprehensive and collision coverage are additional types of insurance coverage that fall under the full coverage umbrella. Normally these types of insurance are required by banks and lenders for any consumer vehicle financing they intend to approve. Comprehensive coverage provides for any type of damage to your vehicle to include theft and vandalism. Collision coverage provides insurance coverage for your vehicle or car if you are found at fault in an accident. In most cases the cash value (as determined by the insurance institution, provider or company) of your vehicle is paid if a total loss of the automobile occurs as a result of the accident.
Finally, bodily injury is another of the minimum required insurance services (under the liability insurance umbrella) required by the states in order to legally drive your car. This insurance provides coverage against medical bills that are a result of an accident that you are found liable for as causing.
Understanding the many different types of auto insurance will help you find the auto insurance coverage you need at a price you can afford thereby allowing you to legally drive in the state you currently reside in.
At a minimum every state requires all vehicle drivers to be insured with liability insurance. Basically, liability insurance covers the expenses that occur if you cause an accident and destroy someone else's car or auto. Liability insurance doesn’t pay for any damage that your automobile sustains in an accident that you cause. Almost every financial lender or loan provider will require a consumer to have full auto insurance coverage instead of just liability insurance in order to preserve the value of their loan against a new or used car that is financed by the bank.
Property damage is the amount of insurance needed to pay for repairs or damages to another motorist's vehicle if you are the root cause of an accident. This is one portion of the minimum required liability insurance as mandated by the individual states. Without this insurance the consumer responsible for the accident would be held accountable to pay for any damages or financial liabilities as a result of the accident. With the price of today's automobiles this could prove to be financially disastrous which is why every state requires a minimum amount of property damage coverage.
Personal injury protection is insurance coverage that pays for a percentage of any medical bills as a result of hospitalization or medical treatment received. It also provides some assistance with wages that are lost as a result of the accident and some death benefits.
Uninsured motorist insurance coverage provides relief to you in case you are involved in an accident without being at fault and the other driver has no car insurance coverage. Although every state requires a minimum amount of liability insurance there are still many drivers that don’t carry or have any auto insurance making this form of insurance almost a necessity in order to give you some peace of mind while driving on the road.
Comprehensive and collision coverage are additional types of insurance coverage that fall under the full coverage umbrella. Normally these types of insurance are required by banks and lenders for any consumer vehicle financing they intend to approve. Comprehensive coverage provides for any type of damage to your vehicle to include theft and vandalism. Collision coverage provides insurance coverage for your vehicle or car if you are found at fault in an accident. In most cases the cash value (as determined by the insurance institution, provider or company) of your vehicle is paid if a total loss of the automobile occurs as a result of the accident.
Finally, bodily injury is another of the minimum required insurance services (under the liability insurance umbrella) required by the states in order to legally drive your car. This insurance provides coverage against medical bills that are a result of an accident that you are found liable for as causing.
Understanding the many different types of auto insurance will help you find the auto insurance coverage you need at a price you can afford thereby allowing you to legally drive in the state you currently reside in.
Insurance Services Connected To Customers Through SMS
Insurance services - Creating differentiation!
With large number of insurance companies targeting the same set of consumers, it is important for an insurance company/agent to differentiate from the pack by providing hassle free services to the consumers.
In wake of stiff competition and higher pressure on the existing resources in the insurance industry it is important to adopt newer technologies which make the operations more efficient and cost effective.
Why Mobile Messaging becomes crucial in Insurance Services?
Insurance Companies
Mobile messaging enables Insurance companies generate higher leads using short-code services and empowers the sales force with 2-way communication ability.
Insurance Agents
Mobilemessaging enables Insurance Agents to send timely reminders about policy renewal and premium payments, and hence benefit them in terms of higher commissions.
TPAs
Mobile messaging helps the TPAs to optimize the usage of resources by enabling faster claims processing and in minimizing the cost of operations.
Bouquet of mobile messaging services
Operations:
· Reminders on bouncing of premium cheques
· Alerts on status of claims processing
· Reminders of due premium payment to customers
· Customers can query status of claims processing
· Missing information in the registration form can be taken over the SMS
· Customers can log on their complaints using short-code/long-code services
Sales Force Automation
· Weekly updates of targets to field sales force
· Lead distribution to sales force
· Sales agent can query the performance of his/her peers
· Performance review/update of the sales force
Marketing
· Alerts for renewal of policy
· Alerts on the launch of new product/promotions
· Targeted promotions depending on the customer profitability
· Sending in birthday reminders to customers
With large number of insurance companies targeting the same set of consumers, it is important for an insurance company/agent to differentiate from the pack by providing hassle free services to the consumers.
In wake of stiff competition and higher pressure on the existing resources in the insurance industry it is important to adopt newer technologies which make the operations more efficient and cost effective.
Why Mobile Messaging becomes crucial in Insurance Services?
Insurance Companies
Mobile messaging enables Insurance companies generate higher leads using short-code services and empowers the sales force with 2-way communication ability.
Insurance Agents
Mobilemessaging enables Insurance Agents to send timely reminders about policy renewal and premium payments, and hence benefit them in terms of higher commissions.
TPAs
Mobile messaging helps the TPAs to optimize the usage of resources by enabling faster claims processing and in minimizing the cost of operations.
Bouquet of mobile messaging services
Operations:
· Reminders on bouncing of premium cheques
· Alerts on status of claims processing
· Reminders of due premium payment to customers
· Customers can query status of claims processing
· Missing information in the registration form can be taken over the SMS
· Customers can log on their complaints using short-code/long-code services
Sales Force Automation
· Weekly updates of targets to field sales force
· Lead distribution to sales force
· Sales agent can query the performance of his/her peers
· Performance review/update of the sales force
Marketing
· Alerts for renewal of policy
· Alerts on the launch of new product/promotions
· Targeted promotions depending on the customer profitability
· Sending in birthday reminders to customers
Subscribe to:
Posts (Atom)