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Everything you wish to know about auto insurance

Auto insurance is a necessity, and currently, 48 states and the District of Columbia require proof of valid insurance to register and operate an automobile. In the USA, auto accidents cause around damages worth over $164 billion every year. Without an insurance company, lawyers, and adjusters, uninsured individuals incur very high costs. Americans understand the need for car insurance, but many people do not understand how auto insurance works. It is important that most people go in for auto insurance only after getting the auto insurance quotes from different companies.

What is auto insurance?

It is the insurance protection for cars. The policy can include six different types of coverage including liability, collision, comprehensive, uninsured motorist, underinsured motorist, and personal injury protection. Get Auto insurance quotes for the best possible coverage.

Who requires auto insurance?

All states require insurance for vehicle registration. Only two states that do not require car insurance are New Hampshire and Virginia. But these states recommend that the drivers carry standard liability and property damage insurance. Insurance is required if there has been DWI conviction for first offenses in the last 3 years, long convictions, habitual offenders, individuals who are at fault for an uninsured accident, and those returning a suspended license. If you have been convicted for leaving the scene of an accident, conduct after an accident, underage DWI, reckless driving offense –second offense.

Virginia allows car owners with no basic cover if they pay an “uninsured motor vehicle fee” of $500 per year with the regular cost of registration.

Shop around

Every company does a good job of providing different kinds of coverage that comply with state-specific laws. This means you do not have to worry about paying your premium. But all companies do not provide the same type of service. The time difference is in taking time to process claims. Shop around by asking for auto insurance quotes.

Save money

Controlling the cost of auto insurance is something that you have to do by asking for auto insurance quotes. It is recommended that drivers review their policy once a year making sure that the coverage is adequate and that drivers do not miss any discounts.

Your coverage

Consider what your insurance covers. Do you have a new car loan that is paid off? Do you need to continue with comprehensive coverage? This is a good question if you live in an area with low car theft then you can look to increasing your deductibles.

Bundle

Check if your insurer can bundle your auto insurance with your homeowner’s / renter’s policy, life insurance and other forms of coverage to receive a big discount.

Safe driver

Check if your insurer gives out safe driver discounts and whether you qualify for it. Many insurance companies offer a discount if you have completed a few years without any accident or any violations.

Scams

Auto insurance quotes from various companies will keep you away from costly insurance which is bad insurance. It does not provide the protection you need and gives you a false sense of security that you are properly covered.

There are a few do’s and don’ts that will keep you safe from scams:

  • Do not ever buy insurance from unsolicited callers, pop up ads on the net and door to door salesman.
  • Do check out insurers, broker ratings with the better business bureau.
  • Do not give your policy number to anyone.
  • Do feel free to check out that your insurance agent and company is registered with the state.
  • Do not go for “Free Services” that contains hidden costs.
  • Do use your common sense if a deal seems to true to be true then likely it is.
  • Terrible driving record
  • Insurance companies are in the business of making money. They try to limit their risk by avoiding riskier drivers since they are more likely to have an accident. If you a poor driving record or are a brand-new driver with no history, it is hard to find a company willing to cover you.

Try to find cover through an assigned risk pool. All states have a system where high-risk drivers are given to the insurance company at a given rate. Insurers have to accept a certain number of assigned risky drivers continue selling insurance. This is not permanent once the violation is cleared from the record you can move out of this pool and buy regular insurance after asking for auto insurance quotes from various insurers.

What to do in the event of an accident?

In case of a car accident, you must keep these things in mind:

  • First – do not panic.
  • Check that you and your passengers are physically okay.
  • Put on the hazard lights; relocate the car to the side of the road
  • Notify the police, even if it’s a minor fender bender.
  • If someone is injured, request for immediate medical assistance.
  • Once the above things have been done, exchange information with the other driver. Collect all the information name, address, phone number and driver’s license number, license plate number, make and model.
  • Do not discuss who is at fault that will be done by the insurer /police.

After any accident, contact your insurance company soon. They will ask your name, and policy number with the details of the day, time, and location of the accident as well as general description of the damage and injuries. A detailed report will be required later; do not make any repairs until you have talked to your insurance company. There are rules you need to follow for the repairs and which garages you can go to

While filing a claim talk to the insurance representatives, they will walk you through the entire process as they do when they fill out the Auto Insurance for you and will explain everything in detail. Always ask questions.

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