Before purchasing a coverage policy from an insurance provider, there are questions you should ask your auto insurance. Insurance coverage policies are very detailed and option specific and so you should know what is covered as well as what is not covered. Knowing this information will help you decide the type of protection you want and need.
What you don’t want is to find out that you are fully protected when you are not especially after the event of a car accident. There are many cases of drivers who were not at fault in an accident suffering from loss of vehicle without replacement and out of pocket expenses for damages and repairs. In order to avoid becoming a victim of this somewhat unfair circumstance is to not put yourself in a position where you can become a victim. Get to know your policy and everything it provides in terms of protection and ask questions regarding your insurance coverage.
Here is a list of a few questions you should ask your auto insurance:
- Do I have uninsured motorist protection? Uninsured motorist protection will help protect you and your vehicle in case you are involved in an accident with an uninsured motorist. If the accident is not your fault, an uninsured motorist not be able to pay for your damages or loss. In addition, without uninsured motorist protection, even your insurance provider may not be obligated to pay or replace your vehicle. So, make sure you to ask about this before signing up for an auto insurance policy.
- Does my policy protect me from a motorist without enough insurance? If you are in an accident at no fault of your own with a motorist without enough insurance to pay for your damages, if your policy does not specifically cover this situation, your insurance provider will not be obligated to pay for the rest of the damages or loss. To be on the safe side, be sure to include this in your policy just in case you find yourself in this predicament.
- Special discounts: If you are looking to save money, ask your auto insurance company about adding additional cars to your policy. Insurance providers often times have package deals that will save you a lot of money in the long run.
- About your vehicle: Some vehicles are more prone to theft and even accidents. Some of us know that driving a red car will increase our insurance rates because he color red seems to “attract” attention while simultaneously distract other drivers. Cars that are prone to theft usually have low quality security devices like weak keyhole entries and low quality ignition key holes. These cars also have higher insurance rates. Take the time to talk to your insurance provider about the information regarding your vehicle and if selling it and purchasing another vehicle may benefit you.
These are a few questions you should ask your auto insurance. Overall, be sure to know what is covered and what is not covered under your policy. This will help to decrease your worries and headache when an accident occurs.