Car Insurance Explained, & What to Do After a Car Accident!


In which we discuss car insurance: how it works, how to get cheap car insurance and quotes, and exactly what you should do after a car accident!

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Created by:
Emma Mills & T. Michael (Mike) Martin

Emma and Mike are also Young Adult novelists!
Check out Mike’s debut novel, THE END GAMES, at all online booksellers, including
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Written by:
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& T. Michael Martin

Hosted and Directed by:
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Executive Producers:
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34 Replies to “Car Insurance Explained, & What to Do After a Car Accident!”

  1. Zander Insurance is a great place to comparison shop for car insurance. They don't sell insurance themselves so much as act as a matchmaker between you and the insurance companies which offer the best plans for your set of circumstances.

  2. Some notes from someone who sells insurance. Purchasing a policy: If possible talk to an agent who can explain all the coverages for your state before purchasing a policy. Just because you get a quote does not mean you have to purchase the policy, different states have different liability limits and coverage requirements. Don't buy the cheapest policy you can find, look for the best coverage for the least amount of money. If you financed your vehicle the finance company WILL have a max deductible allowed, find out what it is if you have a higher deductible than they allow they will force place insurance and it will cost you more than you think. Also if you have force placed insurance be aware it does not cover you, it ONLY covers the vehicle. IF YOU HAVE QUESTIONS ASK THEM! I would rather spend an extra 5-10 minutes now explaining coverages to you than to have you come back after an accident and ask me why you don't have a certain coverage. On accidents/claims: NEVER EVER ADMIT FAULT OR APOLOGIZE!! If possible have the policy come and do a police report. Police do not determine who was at fault in the accident, and sometime the only way to get the other persons information is a police report. If you are at fault in an accident and don't carry physical damage or towing coverage, the towing and/or storage fees for your vehicle may not be covered, check with your agent or claims adjuster. Also your agent usually does not and is not licensed to handle your claim, the company will assign a claims adjuster who will help you through the process. If you have a difficult time with the adjuster you can request to speak to a manager or have a new adjuster assigned to your claim. Again if you have questions ask them! Couple extras: some states will now accept a digital copy of your proof of insurance card, save a copy of it to your phone. Most state minimum liability limits are not enough coverage and could land you in a lawsuit, check with an agent or do some research. Liability is sometimes the smallest portion of your premium and sometime it only cost a couple extra dollars to increase that coverage. Don't be afraid to get multiple quotes and make sure you check the down payment to start the policy, some companies require two months up front. And don't forget to ask questions if you have them, I've seen way to many people end up with the wrong/more coverage than they need. Hope this helps :)

  3. I've had to claim twice. Both times my insurance went up when not at fault. Once rear ended when stopped at stop sign 2nd when legally parked in parking space. Different companies each about 100 a month increase to cover less than 1000 in damages. Lesson: insurance company's suck

  4. Catchphrase: "Come back here to learn how to adult, because they don't teach you that at school"

    I will spam all your videos with this until you come up with a catchphrase, yes I am talking to you, Mike.

  5. fuck insurance can you imagine if every family/household had an extra 100$ a month ……….car insurance is just another scam just like all this high cable bill shit lol ive been driving for over 10 years and not 1 car crash,all those 1000$s in the trash! i would say 200$ a year would be fair! shit if you cant drive right dont buy a car fucking idots

  6. I was in an accident , I crashed my car into a ditch and broke my leg in the process. Because there was no one else involved in the accident and I only had liability coverage, I never filed a claim. Was that a foolish thing to do?

  7. Just as a cautionary tale.. my S.O had a single car wreck and insurance went from 150-ish a month to nearly 900 a month for close to a year. Which as you can guess wrecked us financially to this day. Be sure you know how your insurance treats accidents.

  8. Look… Get premium. Get the highest amount of knock-Knacs on that insurance. I'm a new car owner and I'm in the ARMY. Don't really have a bunch of money but I got in a wreck today. My brand new 2016 Nissan SR Altima :(. Gambled and got me a premium insurance and even at fault things have been handled with ease. Upset but didn't stress literally because I knew I was insured.

  9. here's a few things ways of beating the fear of driving
    take a friend with you
    have extra driving classes
    don't drive after dark
    listen to relaxing music
    (I read these and the reasons they work on Fergs Driver Dismay site )

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