California Car Insurance Fraud – Crappy Auto Repairs Cost You Money
I think that, after reading a report that says that over fifty percent of auto repairs performed in the state of California are overpriced, the necessity of the California auto repair bill of rights comes to seem even more important. These statistics are mostly the result of fraud, which sends California car insurance rate rising. If you are more aware of your abilities to report fraud and are more aware of the repair process so that you can spot it, then you can help this rate of fraud drop, and along with it your California car insurance rate.
According to the organization that performed the study, of around five hundred cars that were checked after they had been fixed, almost half of the repairs that were done on them were not even requested–they were, essentially, repairing things that weren’t even broken. Now, it may not seem like too big of a deal, but consider the fact that of those, the normal price paid for these unnecessary repairs is almost five hundred dollars.
Every year in the state of California, over three billion dollars are paid out for repairs from car insurance accident claims. Of that amount, over six million dollars are from unnecessary repairs. The average amount of the unnecessary repair in most vehicles is one fifth of the total claim amount. Eliminating this extra spending on fraudulent repairs could cause a sharp decrease in the average California car insurance rate for policy holders.
If you want to have your own car that has recently been repaired under a car insurance claim, you can call the Bureau of Auto Repair and have it inspected. In order to qualify, the claim amount must be $2,500 or above, and the repairs have to have been done recently, within the last four months since the repairs.
Affordable Classic Auto Insurance in California
Getting classic auto insurance in California is rather easy. All you have to do is add your new classic vehicle to your regular car insurance policy. But is that the wise thing to do? I would say it isn’t. If you add your classic car to your regular auto insurance in California that would mean that if you total your vehicle, they will give you the same as they give for every other kind of car–what it’s worth after depreciation. For a car that is forty years old or more, that won’t leave you with much, and it doesn’t take into account the classic value of the car.
Getting specialty classic auto insurance in California is slightly more difficult. Normally, there are some qualifications that you must have in order to insure your car with specialty classic auto insurance in California.
- A limited amount of yearly mileage.
- A few years of driving experience.
- Another car that is for regular use.
- No business usage.
- The car must be a certain age or over it.
After you qualify according to these standards, you can buy real classic auto insurance in California. While there are some companies that provide regular auto insurance policies as well as classic, it might be better to go to a specialty company for your classic auto insurance in California. It might cost a little more, but the classic auto insurance company will have the experts.
If you are going to get classic auto insurance in California, it would be advisable to insure your classic car under an agreed value car insurance policy. In order to do this, you have to agree with the car insurance agent on what that value will be, so that if you total your classic car, there will already be a set amount.
Typically, if the problems that your car has as a result of the accident are less than the amount of the agreed value, then the car can be fixed. However, if they are more, than you will be given the agreed value. One thing that you must remember is that after a repair, the car will lose some value.
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