Car Accident Claims Costs Insurers A Packet
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If you type the words 'car accident claims' into the search engine on your computer an astonishing seven and three quarter million results come up for you to spend the next ten years of your life reading about.
When you consider that there is an accident on the roads in Britain every two seconds and then extrapolate that equation around the world it is likely there are dozens of accidents and maybe even one hundred accidents every second.
It is therefore no surprise at the amount of companies involved in the business of motor insurance. Statistically we are likely to be involved in an accident every one hundred and fifty miles as a driver or passenger. The average mileage per person in Britain is eight and a half thousand miles a year so every eighteen years you are going to be involved in a crash.
Car accident claims are running at several hundred thousand at any moment in time and the over stretched insurance companies are not always going to help out the reticent or mild mannered claimant as much as they will a professional and well versed claimant. For this reason it is often better if you are involved in an accident to use a professional third party organisation to claim on your behalf rather than dealing with your insurer direct.
Insurance is a concept that has evolved over the past two or three hundred years from a social ideal to a massive money making business which is now the backbone of the great financial centres of the world like London, New York, Frankfurt and many other cities around the globe. Insurers are in the market to make profits. They are not the philanthropic bodies of the eighteenth century where profit came second to customer satisfaction.
For this reason they do not like to pay out. Unlike any other service which is run on controlling expenditure and profits, Insurers have the luxury of having a bad year and simply adding another couple of per cent on the premiums the following year to recuperate. Furthermore, unlike bookmakers at a racecourse whose principals of operation are no different from the sharp suited city insurer, there are always many branches of insurance so that if the car business has a bad year the house insurance may have a good year to compensate the loss.
With so many insurance companies it is essential to have the right one tailored to your specific needs. An old but perfectly functioning car can be found for under a thousand pounds but for a qualified driver with little or no experience the annual insurance premium is generally much more than the cost of the car.
Shopping around can pay dividends but equally it is worth considering the cost today of the car and the escalating fuel charges along with road tax and insurance and possibly reaching the conclusion that most of us would be far better off with taxis and public transport.
