You need to have all your car insurance questions answered before you buy a policy.
Here are 10 common questions along with useful answers to get you started.
1. How do I Make a Claim?
This is probably the most common car insurance question asked.
Most insurers operate a 24 hour claims line for you to call. Check your insurer’s website or call them to find out. Make a note of this number and keep it in the glove box just in case.
2. When Should I Go Through Insurance?
You might be unsure whether or not to make a claim after a slight ding.
If you can sort it out cheaply, or live with the damage, it might make sense to do it yourself. Otherwise, the deductible on your insurance might make it pointless to make a claim.
3. What Happens to my Car After an Accident?
If your car is can be repaired, normally your insurer will have the repairs carried out for you.
If it can’t be repaired, it’ll pay you in cash for your claim and then sell your car itself.
4. Can I Drive a Different Car?
It depends on the insurance policy of that other car, and whether or not it allows other drivers. A more comprehensive policy probably will allow you to, but you must check first.
It’s the car, not you, which is covered. So, always check before getting behind the wheel.
5. I’m a Young Driver – Why Are my Premiums so High?
Unfortunately, young drivers are considered riskier by insurers – who have the statistics to back this up.
If you’re a very careful driver and aren’t involved in accidents, this should bring the price down over time.
6. What am I Covered for?
You may be covered solely for liability, or you may be covered for damage to your own car, too. These are just a few of the many types of coverage potentially supplied under an auto insurance policy.
You need to check your policy documents, or ask your insurer about your coverage.
7. What’s not Covered?
This varies from insurer to insurer. It also depends on the specific policy you hold.
But speaking very generally, auto insurance policies won’t cover your car if it’s being driven under the influence of alcohol. Same thing goes if it’s being driven by someone without a license.
8. What Happens if I’m not Completely Honest?
Insurers have ways of checking whether what you’re telling them is true – such as verifying your information with the DMV.
If they find out you haven’t told the truth, they might reject claims. They might even cancel your policy altogether.
9. Do I Need to Have Insurance?
Yes! Not being insured is a crime. You need to make sure you have the right insurance for your state, too.
Check on the US Department of Transportation’s list to find your state. This way, you can ensure that your insurance coverage fits the bill.
10. Can I Lower my Costs?
Potentially. Picking a top-rated insurer at renewal and setting your deductible at the right level can help to reduce the overall cost of your insurance.
However, depending on your age, you may find that it doesn’t make a lot of difference.
We’ve Answered Your Car Insurance Questions
Now that those common car insurance questions have been answered, are you ready to get a quote?
Contact Amistad Insurance Services’ 24 hour call centre and get covered.