Car insurance covers accidents so it can be priced vigorously for people who are willing to take the larger risk as to the condition of their car after an accident. Car safety is an issue that is here to stay. The best thing that we can to is to make sure that we are covered enough by our auto insurance policy in case the unthinkable should ever happen. Perhaps it would be better to go with a popular auto insurance provider rather than one you have never heard of before.

What happens if you are involved in an accident? Collision coverage will pay for any physical damage that your car gets as the result of your own car colliding with another object such as a tree or even another car. This coverage is optional. You would think that if you decide to purchase collision insurance, if you are in an accident the insurance company will pay you in full for damages received to you and to your car. WRONG! Here is a scenario to think about.

Let’s say you are in the driver’s seat when this accident takes place. You are driving down the street when lo and behold this truck comes out of absolutely nowhere and hits your car on the passenger’s side. First of all, you can thank your lucky stars that you were driving by yourself. The damage to your car is obvious. There are creases across the passenger door.

You are hurt as well, although it cannot be ascertained exactly how much – there’s a cut above your eye and you have an aching neck.

When you go to your doctor to get checked out, he says that your spine was injured, you most likely have whiplash and your have tears in your soft tissue.

Your doctor says that you are going to have to have therapy, and you will have to miss work for a time in order to heal. In the end, you have mounted up costs to the tune of $15,000 in medical expenses and $10,000 in lost wages.

Now you have to send that bill that equals $25,000 to the insurance company of the guy who caused the accident. To your surprise, the insurance company contacted you and said that they would only pay you $15,000 – take it or leave it.

What in the world are you supposed to do?

It seems like ten out of twelve top car insurance companies shortchange the person they are paying the claim to in order to save themselves money. God forbid if you are just in a minor car crash and get hurts. The car insurance company will delay in handling your claim, they will deny that you were even hurt and they will defend their position in long drawn-out court battles. The car insurance companies use these three “D” tactics: delay, deny, and defend.

These tactics have resulted in the new strategy that has been adopted by several of the major car insurance companies over the last decade. Many former insurance company insiders and lawyers will attest to this.