The truth about fallacies of many car owners believing that the insurance premium coverage for their new automobile is covered, and maybe the truth just may make you change course.
(1) "No-fault insurance means, is it not my fault?" That indicates that your insurance company pays for your damages irrespective of who's to blame. No they don't!
(2) "Can the color of my automobile affect my insurance rate?" No! What do have an effect on your rate are your vehicle's year, make, model, body type, engine size, credit history and driving record.
(3)"If I lend my car to a buddy and that friend is in any sort of accident, his or her insurance company will pay for the damages...right?" Wrong!
Your car is your responsibility! And you know what, even though you were not present at the time of the accident, you still will receive a mark on your insurance record and your insurance premium could possibly go up.
(4) "Is my insurance rate set by the government?" No! The government has nothing to do with your car insurance rate. Where you reside, your credit score, marital status and your driving record is what actually has an effect on your premium.
(5) "I recently paid my insurance premium. Is my new automobile I just bought covered?"
Not always. Most automobile policies need that the policyholder notify the insurance company or agent within a specified number of days, if certainly coverage is preferred for the newly purchased automobile.
(6) "Is it a well known fact that male driver under the age of 25 pay much more for auto insurance?" Yes! Male driver below 25 years old can possibly pay much more for car insurance than female drivers. However, across the board, teenagers and mature adults pay much more for auto insurance, due in big part simply because these age groups are usually involved in more automobile accidents.
(7) "Can my credit score have any effect on my insurance rate?" Your credit score really does matter! Many Insurance companies take your credit score into account when deciding to increase or renew your auto insurance coverage.
(8) "Even without comprehensive coverage, am I still covered for theft, windstorms, and hail and deer accidents?" Many drivers believe that if they only buy collision insurance, which covers accidents involving objects, that they'll also be covered for occurrences that involve vandalism, hail, animal accidents and fires. That merely is not correct. You should purchase both collision and comprehensive coverage in order to totally protect your automobile from all of these situations.
(9) "Can my personal auto insurance cover both my personal and business use of my car?"
If you sometimes use your personal automobile for business purposes such as transporting clients, going to and from meetings or hauling business equipment, then you'll most likely require to increase your personal car insurance to cover your business use too. Plus, if your employees use their car while working for you, you will wish to also obtain a separate non-owned car insurance policy.
(10) "I have never had nor been involved in a car accident, do I still need automobile insurance?" Yes!
A few drivers are lucky enough never to have been or to be involved in an accident. However, if by chance you do have an accident; your risk of losing everything is fantastic. Car insurance is the best protection you can have in the event an automobile accident happens. It is also a legal issue - you are needed, by law, to have some basic form of auto insurance, and failing to do so carries some fairly strict punishments.
(1) "No-fault insurance means, is it not my fault?" That indicates that your insurance company pays for your damages irrespective of who's to blame. No they don't!
(2) "Can the color of my automobile affect my insurance rate?" No! What do have an effect on your rate are your vehicle's year, make, model, body type, engine size, credit history and driving record.
(3)"If I lend my car to a buddy and that friend is in any sort of accident, his or her insurance company will pay for the damages...right?" Wrong!
Your car is your responsibility! And you know what, even though you were not present at the time of the accident, you still will receive a mark on your insurance record and your insurance premium could possibly go up.
(4) "Is my insurance rate set by the government?" No! The government has nothing to do with your car insurance rate. Where you reside, your credit score, marital status and your driving record is what actually has an effect on your premium.
(5) "I recently paid my insurance premium. Is my new automobile I just bought covered?"
Not always. Most automobile policies need that the policyholder notify the insurance company or agent within a specified number of days, if certainly coverage is preferred for the newly purchased automobile.
(6) "Is it a well known fact that male driver under the age of 25 pay much more for auto insurance?" Yes! Male driver below 25 years old can possibly pay much more for car insurance than female drivers. However, across the board, teenagers and mature adults pay much more for auto insurance, due in big part simply because these age groups are usually involved in more automobile accidents.
(7) "Can my credit score have any effect on my insurance rate?" Your credit score really does matter! Many Insurance companies take your credit score into account when deciding to increase or renew your auto insurance coverage.
(8) "Even without comprehensive coverage, am I still covered for theft, windstorms, and hail and deer accidents?" Many drivers believe that if they only buy collision insurance, which covers accidents involving objects, that they'll also be covered for occurrences that involve vandalism, hail, animal accidents and fires. That merely is not correct. You should purchase both collision and comprehensive coverage in order to totally protect your automobile from all of these situations.
(9) "Can my personal auto insurance cover both my personal and business use of my car?"
If you sometimes use your personal automobile for business purposes such as transporting clients, going to and from meetings or hauling business equipment, then you'll most likely require to increase your personal car insurance to cover your business use too. Plus, if your employees use their car while working for you, you will wish to also obtain a separate non-owned car insurance policy.
(10) "I have never had nor been involved in a car accident, do I still need automobile insurance?" Yes!
A few drivers are lucky enough never to have been or to be involved in an accident. However, if by chance you do have an accident; your risk of losing everything is fantastic. Car insurance is the best protection you can have in the event an automobile accident happens. It is also a legal issue - you are needed, by law, to have some basic form of auto insurance, and failing to do so carries some fairly strict punishments.
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