Been in an accident? On that point aren’t too many drivers who haven’t experienced an accident, whether they amazed blame or were the innocent victim. But really, you do not need to be part of an accident to know dealing with the “consequence” of an accident can be very stressful, and if it involves a death the stress becomes almost unbearable. It's important to realize the necessity of having great auto insurance and understanding the terms so the policyholder and other members of the policy aren’t scrambling around trying to figure out what is and isn’t covered when the stress of an accident amazes big.
Below is an outline of events that coulded the action of making a claim to your auto insurer. Not all accidents are as is, nor do they all include as is actions to be taken following the accident. However, by considering an list of possible scenarios, policyholders mayhap able to better decide what they'd want on their policy if involved in an accident.
Показват се публикациите с етикет Аuto insurance. Показване на всички публикации
Показват се публикациите с етикет Аuto insurance. Показване на всички публикации
сряда, 24 юни 2009 г.
сряда, 17 юни 2009 г.
Аuto insurance-Top ten automobile Insurance Myths
The color of my auto determines my auto insurance rate. My credit score has no affecting my insurance policy premium. I get car insurance coverage so my new car is already covered… right? Maybe not! Below is a list of fallacies many car owners believe and drive by day-after-day. The truth just might make you gybe.
Myth #10: "No-fault insurance means it's not my fault!"
False. Basically, no fault automobile insurance means that your insurance company pays for your damages regardless of who's guilty.
Myth #9: "The color of my car affects my insurance rate."
False. The color of your car doesn't impact your car insurance rates. What does influence your rate is your vehicle's year, make, model, somatotype, and engine size, along with your credit history and driving record.
Myth #8: "If I lend my car to a friend and that friend is in an accident, his or her insurance firm will pay for the damages."
False. Your car, your responsibility! However, your friend's insurance coulded the damages exceed your policy's limits. And guess what, even though you weren't present at the time of the accident, it will advance your insurance record and your insurance premium coulded insurance rate is set by the government."
False. The government doesn't set your car insurance rate. Your state's insurance department only regulates the rates car insurance companies are allowed to set. Wherever you live, your credit score, marital status and your driving record is what actually affects your premium.
Myth #6: "I recently paid my insurance premium, so the new car I just purchased is covered."
True, up to a point. Most insurance policies require that the policyholder notify the automobile insurance company or agent within a specified number of days after purchase.
Myth #5: "It's a fact. Males under the age of 25 pay more for auto insurance."
True and false. Males under 25 years old usually pay more for car insurance than female drivers under 25. However, all-embracing, teenagers and seniors pay more for auto insurance, in large part because these age bracket* are typically involved in more automobile accidents.
Myth #4: "My credit score has no effect on my insurance rate."
False. Your credit score really does matter! Many insurance firm* take your credit score into consideration when you prefer to purchase, change, or renew your auto insurance coverage.
Myth #3: "Even without comprehensive coverage, I'm still covered for theft, windstorms, hail and deer accidents."
False. Many drivers believe that if they only purchase collision insurance—which covers damage to your car resulting from driving accidents—that they will also be covered for incidents that involve vandalism, hail, animal accidents and fires. That simply isn't true. You need to purchase both collision and comprehensive coverage called for to fully protect your vehicle from all of these situations.
Myth #2: "My personal auto insurance covers both my personal and business use of my car."
Be careful. It might be able to cover it, but you need to check with your car insurance company. If you occasionally use your personal car for business purposes such as transporting clients, attending and from meetings or hauling business equipment, then you will more than likely need to extend your personal car insurance to cover your business use. Plus, if your employees use their car while working for you, you'll want to also obtain a separate non-owned car insurance policy.
Myth #1: "I've never had or been involved in a car accident, so I don't need automobile insurance."
False. Some drivers are lucky enough to avoid accidents. However, car insurance is the best protection you can have in the event of an auto accident. You're also legally required to have some
Myth #10: "No-fault insurance means it's not my fault!"
False. Basically, no fault automobile insurance means that your insurance company pays for your damages regardless of who's guilty.
Myth #9: "The color of my car affects my insurance rate."
False. The color of your car doesn't impact your car insurance rates. What does influence your rate is your vehicle's year, make, model, somatotype, and engine size, along with your credit history and driving record.
Myth #8: "If I lend my car to a friend and that friend is in an accident, his or her insurance firm will pay for the damages."
False. Your car, your responsibility! However, your friend's insurance coulded the damages exceed your policy's limits. And guess what, even though you weren't present at the time of the accident, it will advance your insurance record and your insurance premium coulded insurance rate is set by the government."
False. The government doesn't set your car insurance rate. Your state's insurance department only regulates the rates car insurance companies are allowed to set. Wherever you live, your credit score, marital status and your driving record is what actually affects your premium.
Myth #6: "I recently paid my insurance premium, so the new car I just purchased is covered."
True, up to a point. Most insurance policies require that the policyholder notify the automobile insurance company or agent within a specified number of days after purchase.
Myth #5: "It's a fact. Males under the age of 25 pay more for auto insurance."
True and false. Males under 25 years old usually pay more for car insurance than female drivers under 25. However, all-embracing, teenagers and seniors pay more for auto insurance, in large part because these age bracket* are typically involved in more automobile accidents.
Myth #4: "My credit score has no effect on my insurance rate."
False. Your credit score really does matter! Many insurance firm* take your credit score into consideration when you prefer to purchase, change, or renew your auto insurance coverage.
Myth #3: "Even without comprehensive coverage, I'm still covered for theft, windstorms, hail and deer accidents."
False. Many drivers believe that if they only purchase collision insurance—which covers damage to your car resulting from driving accidents—that they will also be covered for incidents that involve vandalism, hail, animal accidents and fires. That simply isn't true. You need to purchase both collision and comprehensive coverage called for to fully protect your vehicle from all of these situations.
Myth #2: "My personal auto insurance covers both my personal and business use of my car."
Be careful. It might be able to cover it, but you need to check with your car insurance company. If you occasionally use your personal car for business purposes such as transporting clients, attending and from meetings or hauling business equipment, then you will more than likely need to extend your personal car insurance to cover your business use. Plus, if your employees use their car while working for you, you'll want to also obtain a separate non-owned car insurance policy.
Myth #1: "I've never had or been involved in a car accident, so I don't need automobile insurance."
False. Some drivers are lucky enough to avoid accidents. However, car insurance is the best protection you can have in the event of an auto accident. You're also legally required to have some
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