Car Insurance How to File a Claim

Car Insurance

How to File a Claim

“Oh nooo!” All you can do is scream as another car comes skidding into yours. Your car’s sheetmetal folds like melted candy, and your windshield explodes like a charge dropped into a frozen lake. Your pride and joy ends up crumpled beyond recognition.

Good thing you’re covered by insurance. For most people, though, the only thing worse than being involved in an accident is having to file a claim.

Oh, sure. It's not so difficult.

* Contact your agent. The agency will send you a claims form.
* Fill out a claims form describing the details of your accident and its outcome and return it.
* Your agency will send out an adjuster to verify the damage and make the claim.
* A check is sent to you.

If you feel your agency is putting enough of a hitch in its git-along, call your state's Insurance Department.

Take care when making a claim. If you claim an excessive amount or make too many claims in a year most insurance companies will cancel your policy. Don't be afraid to claim what is due you, just don't make claims for anything you don't really need to have covered.

Here are some tips to make your claim process as painless as possible:

* Know your policy beforehand. What does it cover? When does it cover it?
* Don't admit fault. Let your agent and any other agents involved ascertain guilt - don't say you'll pay for the accident simply because you feel bad about it.
* Call your agent (or claims hotline) immediately. Call as soon as you can to avoid missing any deadlines or delaying payment.
* Document everything. Keep copies of every piece of paper you need or may need, from the police report (if there is a police presence at the accident) to pictures of your car pre- and post-accident, to receipts for car improvements; anything you may need to prove your claim, including cost or repair and replacement.
* Don't hire - or threaten to hire - an attorney. Make your claim. If you have to, call up your state's Insurance Department. Only as a last resort get lawyers involved. Once you have a lawyer, the adjuster may talk only to that lawyer.

Honda Aero, Inc.

Honda Aero, Inc., a wholly-owned subsidiary of Honda Motor Co., Ltd., will establish its corporate headquarters and jet engine manufacturing operations with the construction of an all new facility in Burlington, North Carolina, adjacent to Burlington-Alamance County Regional Airport.

Until the new facility is constructed, the company is located in Reston, Virginia. The new Burlington plant will serve as the primary production* location for engines developed and marketed by GE Honda Aero Engines, LLC (a joint venture between Honda Aero and GE), beginning with the GE Honda HF120 turbofan engine, chosen to power two of the newest and most advanced products in the business jet market - the HondaJet** and Spectrum Freedom.



Honda Aero, Inc. will employ approximately 70 associates when the plant reaches its initial production plan within about one year of its 2010 production start.

2989 Tucker Street
Burlington, NC 27215

* Honda products are produced using domestic and globally-sourced parts
** HondaJet is manufactured by Honda Aircraft Company, Inc., a separately held subsidiary of Honda Motor Co., Ltd. located in Greensboro, North Carolina.

Lexus CT 200h

• Hybrid set to be cheapest Lexus model in the range
• Will go on sale in late 2010 with prices starting at an estimated £22,000
• Practical five-door hatch to rival the BMW 1-Series and Audi A3 Sportback

Lexus is set to introduce its smallest and cheapest car yet - the CT 200h.

The five-door hatchback will compete alongside models such as Audi A3 Sportback and BMW 1-Series when it goes on sale at the end of 2010 as Lexus looks to attract younger drivers to the brand.

Interestingly, the new model will be available exclusively as a hybrid which uses a 1.8-litre VVT-I petrol engine linked to an electric motor. There is the choice of four driving modes with Eco and Normal modes aimed at efficiency and comfort while Sport mode shifts the focus to performance.

It also has an EV (electric vehicle) mode that runs the car purely on the electric motor meaning zero fuel consumption and CO2 emissions. This can operate for just over a mile at speeds of up to 28mph.

On the outside the CT 200h has the familiar Lexus front end look similar to the IS saloon. The sloping roofline and sharper back end give it an elegant and distinctive silhouette according to Lexus.

Inside buyers will get the usual Lexus quality with metallic finishes, a swooping dash and soft-touch materials.

The CT 200h will go on sale towards the end of 2010 with prices expected to start at around £22,000.