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Auto accidents unfortunately can occur anytime and anywhere. Obviously, this is reason why it is important to have the right kind of protective car insurance. But sometimes, filing an auto claim is not the best thing to do. Here's an example. A woman drove through an intersection at prime time. Suddenly, she saw a car approaching. It barely made a scratch to her automobile. Nonetheless, it made the otherwise perfect exterior less than perfect. Naturally, she wanted compensation. The other driver wanted to discuss how he could pay out of the pocket and avoid an auto insurance claim. Being that it involved minor damage, she agreed to this mode of compensation, assuring the at-fault driver she would not notify her insurance company. The other driver knew that the deductible alone was about the same as the total repair costs to the car he had scratched. He also was aware that by filing an auto claim, his rates would likely go up. Negotiating with the other driver to pay for damages without the involvement of the insurance companies would guarantee his premium would not be affected by the mishap. Most would agree that this was a smart move. In the majority of cases like the one above, it is far better to ship out payment to fix damages than report the incident to the insurance company. Here is the inside story of what happens when the insurance company gets involved. Insurance companies utilize complex calculations to figure what rate you should pay for your auto insurance. Of the many involved aspects, multiple claim filings can make your premiums increase. In fact, even filing a claim the wrong way may cause your rates to go up or cancelled - not to mention if you've accumulated violations on your driving record! Of note as well is the fact that even a simple conversation about an accident even if you do not end up filing a claim may cause your rates to go up. Many insurance obligate their employees to report a potential claim. So, if you are involved in an episode like the one in the beginning of this article, you might want to consider follow the order of things there and just pay up front without involving the insurance company. Of course, there is always the risk that the other driver may discover further damages or even resulting injuries later on. Without a timely claim submission, there's a good chance you will not be covered for any resulting lawsuits. Bottom line: if you are sure this is a minor matter, it may be in your best interest to go at it alone. If you have any doubt about it, the experts advise you to call your insurance company! An experienced independent agency will be able to explain the matter in more detail. HAVE A PRIME DAY™! PRIME Insurance provides all forms of NJ, NY, PA, MD, FL, TX and other nationwide coverage, including cheap auto, low quote commercial umbrella, flood, renters, homeowners, bonds, workers comp, life insurance and more. We invite you to experience the PRIME difference by visiting us at https://www.primeins.com/ or emailing us at PRIME@primeins.com or by calling us at 732-400-5242. HPK / ARTIKEL ENGRIS





AETNA HEALTH INSURANCE

 Aetna Health Insurance Company started its operation since 1850. They are dedicated in helping individuals achieved security in terms of health and financial. Aetna provides its members useful information to help them decide which insurance works for them. They provide insurance for employers around 50 states of America. Aetna's customers are mostly employers, individuals, students, and hourly or part-time workers. Their products and services include medical, dental, vision, disability, pharmacy, life, student, pet and behavioral health.

Aetna Health Insurance gives affordable coverage. From their wide range of services available, for sure there is one that's right for you. Aetna will even help you to choose a plan that's best for you. You will get help in accessing whatever care you need. Whatever the situation maybe, you will be assured that Aetna will provide you the help that you need in order to live a healthier life and in getting the most of your health dollars. You can even cover your pet in their Pet Insurance. Like any of your family members, animals also have health needs. It will let you manage your cost in treating your pet's injuries and illnesses. Included in pet insurance policies are lab test, surgery and visit to a licensed veterinarian and specialists.

Aetna Health Insurance has a symbol of AET at NY Stock Exchange. They have over 19 million members for medical, 14 million members for dental and 11 million pharmacy members. At present they have more than 920,000 health care professional, 528,000 doctors and specialist and 5,112 hospitals. They have been recognized worldwide and have been named by Fortune magazine as the Most Admired Company for Health Care. Some other awards they have received are: 2008 CRO's 100 Best Corporate Citizens, 2008 Health Literacy Awards, first in Payer View Rankings 2008, 2007 Behavioral Health Awards, Corporate Leadership Award, 2006 Innovation Award, 2004 HERA Award and more.

Aetna Health Insurance

 Aetna Health Insurance Company started its operation since 1850. They are dedicated in helping individuals achieved security in terms of health and financial. Aetna provides its members useful information to help them decide which insurance works for them. They provide insurance for employers around 50 states of America. Aetna's customers are mostly employers, individuals, students, and hourly or part-time workers. Their products and services include medical, dental, vision, disability, pharmacy, life, student, pet and behavioral health.

Aetna Health Insurance gives affordable coverage. From their wide range of services available, for sure there is one that's right for you. Aetna will even help you to choose a plan that's best for you. You will get help in accessing whatever care you need. Whatever the situation maybe, you will be assured that Aetna will provide you the help that you need in order to live a healthier life and in getting the most of your health dollars. You can even cover your pet in their Pet Insurance. Like any of your family members, animals also have health needs. It will let you manage your cost in treating your pet's injuries and illnesses. Included in pet insurance policies are lab test, surgery and visit to a licensed veterinarian and specialists.

Aetna Health Insurance has a symbol of AET at NY Stock Exchange. They have over 19 million members for medical, 14 million members for dental and 11 million pharmacy members. At present they have more than 920,000 health care professional, 528,000 doctors and specialist and 5,112 hospitals. They have been recognized worldwide and have been named by Fortune magazine as the Most Admired Company for Health Care. Some other awards they have received are: 2008 CRO's 100 Best Corporate Citizens, 2008 Health Literacy Awards, first in Payer View Rankings 2008, 2007 Behavioral Health Awards, Corporate Leadership Award, 2006 Innovation Award, 2004 HERA Award and more.