Car Insurance Questions
When you are purchase a new car, you are expected to get it insured so that any tragic incident leading to financial loss can be claimed under it. Since your car may be one of the biggest purchases of your lifetime, you should insure it for protecting it from any misfortunes. Auto insurance, specifically car insurance is recommended to all car owners.
Car insurance Questions and Answers
Here are some questions along with their answers that can help you to choose a car insurance scheme that is most suitable for you as per your budget.
Is another person besides me who drives my car covered under the car insurance schemes?
Usually, the person/people on whose name(s) the car is insured is/are only entitled to use the car. Any other person is only covered under the insurance scheme if the vehicle owner has allowed him to use the car. This is why it is necessary that you enlist the name of all your family members on the insurance policy so that you don't have to regret later. Generally, spouse is considered applicable for the insurance cover besides the owner. Ensure that you read the insurance policy properly.
Why is it necessary to get my car insured? What if I don't get it insured and still drive the car?
This question can have varied answers for every state. In some states, getting a car not insured is dealt with stringent laws and heavy penalties. The states where these laws are applicable can charge you with monetary penalties and you may end up losing your driver's license. In case you have caused accidents and harmed the other party, you may have to pay all the charges of medical services and auto repair for the other party. An awareness about such laws in your state is very important.
Is my driving record an important parameter for deciding the car insurance premium?
Yes, it is. Generally, the driving record of the past is an important factor for the insurance companies to cover you under specific insurance plans. The insurance companies collect data from state offices about the accidents in your locality and see if your car/auto was involved in it.
Which is better? Comprehensive Coverage or Collision Coverage?
Generally both, the comprehensive and collision coverage are better and so many people insure their cars for both of them. In the collision cover schemes, your car is insured only for accidents and on collision with other vehicles. In the comprehensive coverage cases of thefts and fire are only covered.
Car Insurance Questions to Ask
Here is a list of some more questions that we should inquire the car insurance agents.
- What are the rates of the car insurance in my state?
- What do I need to know when I'm buying the car insurance?
- What are the benefits for taking car insurance from your company? How is it different from other companies?
- Is my pet insured if it is traveling with me in my car?
- Can car insurance protect me from lawsuits in case of accidents?
- How does the car insurance company determine the value of my car?
- Is it possible to over insure my car?
