When shopping for car insurance you are likely to have many questions. It's not uncommon to feel overwhelmed. Sometimes all you need is an idea of where to start, which questions you should be asking, and which answers you should be expecting. Let's take a look at some of the more frequently asked questions, and perhaps cover a few you may not have thought of. First, let's cover the most common question people generally have, which is who exactly is covered by the car insurance policy. If you're married, if you have driving age children, friends or other family members who may be driving your car, are they covered by your insurance policy? If not, can they be? This is a great place to start and should be stated and easily found within your policy. If you are unable to find this documented, you should contact the insurance company and ask immediately. You don't want to be caught in an accident with a driver who is uninsured.
Another common question is whether or not you are covered if you are driving a car that doesn't immediately belong to you. Once again if your spouse, children, friends or relatives let you borrow a vehicle for any number of reasons, does your policy extend coverage to you while you are driving that vehicle? If it does, you may also want to ask if the coverage is the same, or in any way limited. What about if you purchase a new car? Cars are bought, sold, and replaced every single day. Many insurance policies will consider extending the coverage you had on your old car onto your replacement, but it is important to contact them within a reasonable amount of time to do so. Failure to do so may result in fees or a lack of coverage for a short amount of time while the paperwork is being settled.
Make sure to contact your insurance agent regarding the replacement vehicle at your earliest convenience. It's important to know exactly what is covered while you are driving your or someone else's vehicle. There are several things your insurance policy will pay for, and things that it may not. It's important to know beforehand what exactly is covered, and for how long, before you settle on a policy that is right for you. One of the main things you'll want included, and one that generally is included in your insurance policy, will be physical damage coverage, which is the part of the policy that should cover most or all of the cost to replace your vehicle if it is totaled in an accident.
Another very important thing to consider is something called multi-line discounts. Many companies today are willing to give a discount to customers who have several types of insurance through them. For example, you could have car insurance and health insurance through the same company. You may find yourself in a situation where you'd be able to save money by choosing several types of insurance policies from the same company. Get in touch with a company representative to find out exactly what your options are. You'll see that in, the end, the questions you ask really are the best type of car insurance.
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Paul Townsen
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Townsen, P. (2012, February 9). . Retrieved February 14, 2012, from http://ezinearticles.com/?Important-Car-Insurance-Questions&id=6871497Chicago Style Citation:
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