Wrong information on a C.L.U.E. report can lead to higher insurance premiums.

Finding out that your insurance company has been charging you too much for insurance due to wrong information is infuriating. One of these sources of incorrect information can be your C.L.U.E. report.

Many times on these reports it will have you listed as being at fault for an accident when you really were not. This results in your insurance company adding surcharges to your policy for things that you did not do.

So, how do you get your C.L.U.E. report corrected? You go to the source.

Contact the insurance company that put the incorrect information in your C.L.U.E report and tell them that they need to correct your information. If they refuse, immediately contact the Insurance Commissioner for your state (or Department of Insurance) and file a complaint.

Allstate’s Mayhem is back with a new claims satisfaction guarantee program against your cheap insurance company.

Summary

The commercial opens with Mayhem sitting in a cubicle of a claims department and air conducting the on-hold music.

Mayhem: (giggles)

Screen goes to someone on the side of the road that has just run into a traffic barrel and is on his cell phone.

Mayhem: Please continue to hold, the next available claims representative will be with you in 97 minutes (he laughs and reaches over to play a little ditty on a keyboard).

Screen changes to the guy by the side of the road that is the unlucky caller on the line with Mayhem and he has a dumbfounded look on his face. Screen back to Mayhem.

Mayhem: If you have cut-rate insurance, there’s nothing you can do about this.

Screen goes back to the side of the road and the guy that was on the cellphone with Mayhem does an excellent representation of a centerfield to home base throw with his cellphone.

Mayhem: So get Allstate. The only insurance company that guarantees your claim experience won’t be mayhem……

Screen has switch back and forth a couple times now, until we are back to Mayhem who is now twirling around in his chair.

Mayhem: …..like me.

Mayhem pops out of his chair and kicks over the keyboard as he walks out of the office.

Announcer: Introducing the claims satisfaction guarantee only from Allstate. Mayhem is everywhere, are you in good hands?

Point of Commercial

Allstate’s Mayhem has the pleasure of introducing the new claims satisfaction guarantee program from Allstate Insurance.

To prove their point, Allstate has Mayhem take over the claims department of another insurance company. Usually they just point out specific claims that may not be covered. This is why it caught my attention as being something different from their norm.

What They Want You to Do

They want you to be curious about this claims satisfaction guarantee program and call to ask questions.

They reveal nothing about the program, which is brilliant. This leaves people wondering what the heck this program is and how are they going to pull this one off. With nothing revealed, you are left with little choice, but to contact them for more information.

Once they have you one the phone, they can talk you into getting a quote.

My Opinion

I am a little curious about this new program that Allstate’s Mayhem introduces us to. After working in the claims department of an insurance company, I can tell you that there are just some people you CANNOT satisfy. So, how are they going to satisfy everyone?

Other than that, Mayhem always can be counted on for a good commercial. Now, I have to debate whether to call Allstate to find out about their claims satisfaction guarantee program.

Giving this Allstate’s Mayhem claims satisfaction guarantee program commercial two thumbs up.

A complicated driving situation does not necessarily prevent a late claim from being filed.

Q: My friend who has a suspended license hit a deer with my car while I was out of the country last spring. Now that I am back, I now have totaled car and no claim pending. Can I even file a claim this late? The driver was also not on my policy and has a suspended license; will that prevent me from filing a claim?

The fact that the driver was not on your insurance policy and has a suspended license will not prevent you from being able to file a claim. Insurance follows the vehicle, not the driver.

However, if you do file a late claim, the insurance company may go after the driver to pay back the money they paid for the claim. They may even insist that you file a police report. This will all depend in your insurance company.

The problem that may complicate this claim is the timing. If it was just this last spring, meaning 2012, there should be little problem. If we are talking the spring of 2011, you may have issues.

Call your insurance company or talk to your insurance agent and tell them the situation. Make sure to explain that you didn’t file a claim until now because you were out of the country. They will be able to walk you through what you need to do for your late claim and how to get your vehicle taken care of.

The 2012 Honda Civic is a good pick for safety and lower insurance rates.

Honda is proud of their 2012 Honda Civic

One of the safest cars on the road is the 2012 Honda Civic. It was not tested by the National Highway Traffic Safety Administration, but received very high marks by the Insurance Institute for Highway Safety.

The 2012 Honda Civic actually comes in 7 different versions:

• Sedan
• Coupe
• SI Sedan
• SI Coupe
• HF Hybrid
• Natural Gas

For our purposes, the specific 2012 Honda Accord we will be concentrating on it the sedan.

Insurance Rates of the 2012 Honda Civic

The 2012 Honda Civic is did not make the list as one of the cheapest cars to insure (insure.com). However, it also did not make the list of the top 20 most expensive cars to insure either.

With its high safety ratings, the chance that someone in the Honda Civic will be injured is small. If they are injured, their injuries will be minimal (excluding the worst case scenario). With a decreased chance of injury and severity of injury, the insurance for medical expenses is going to be closer to the cheaper side of the insurance premiums than anything else.

Also the Honda Civic is not an expensive car. This means that if it were to get into a car accident, that the insurance company is not going to be paying all that much for the parts to fix it.

Finally, the Honda Civic is a smaller sedan. The smaller the vehicle, the less damage it is going to be able to cause another vehicle. This makes the insurance premium for the liability coverage on the 2012 Honda Civic also on the low side.

IIHS Safety Ratings for the 2012 Honda Civic

The Insurance Institute of Highway Safety (IIHS) tested the 2012 Honda Civic sedan models for this year’s safety testing. The Civic received a “good” rating (the highest safety rating) in every category. This includes the: front crash test, side crash test, roof strength test and rear crash test.

With their consistent high ratings in every test the IIHS performed on it, the 2012 Honda Civic earned the IIHS “Top Safety Pick” designation for the year 2012.

2012 Honda Civic Recalls

Honda does have a recall out for some of its 2012 Civics. The recall is due to the driveshaft, and the possibility that it may separate. There have been no deaths or injuries reported yet due to this defect, they are just being cautious.

If you have any questions about you 2012 Honda Civic and if it is being recalled, contact your local Honda dealership.

Accident injuries covered under liability insurance is only for a specific group of people.

Liability insurance is on your insurance policy to cover incidents that you are liable for. This means that it covers injuries and damage that you cause to other people. Anyone in your vehicle or on your insurance policy do not qualify for this coverage.

Injuries for people in your vehicle are paid for under the following coverages:

• Medical Payments

• Personal Injury Protection

• Uninsured/Underinsured Motorist Coverage

If you don’t have any of these coverages, the accident injuries for those in your car or on your policy are covered by the other insurance company or by your health insurance.