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For QuotesChimp reason, our discussion of auto insurance will deal with topics that would have seemed almost irrelevant only a few years ago. Issues such as limiting the legal rights of injured people to have their day in court, no-fault versus fault insurance systems, and the concept of territorial rating will be addressed. In addition, we will introduce you to the ins and outs of your auto insurance policy, a less dramatic but still necessary step toward helping you achieve a state of "consumer power." We will take you into the world of the personal injury lawsuit and contingency fee lawyers ("Toto, I've a feeling we're not in Kansas anymore"). Finally, we will recommend ways both today and in the future to keep the price of your auto insurance from forcing you out of car and garage. So, to paraphrase a famous Bette Davis line, fasten your seat belts, it's going to be a bumpy ride.

If your insurance QuotesChimp tells you they want to total your damaged car, don't just roll over when they tell you how little they think your car is worth. Look in the Kelly Blue site, which should be at your local library, and in your local paper at the classified ads to see what cars like yours are selling for. It will often be more than the company wanted to pay. This proof of value may carry the day if you present it to the com�pany. Also, if your car includes extra equipment, such as a valuable stereo system, air conditioning, special tires, etc., be sure to let them know. It can add to the value of your car when the company "totals" it. Some companies will sell you an endorsement that will add a benefit requiring the company to pay for a new car if the covered car must be totaled.

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