5 Misconceptions Car Insurance

Error # 1: I   did not need  auto insurance because they don  have never been in an accident.

N  having never been in a vehicle accident, no valid reason for driving around warranty. If you are lucky n  have never been in an accident you still need to cover in a particular case. The purpose of the  insurance cover of  possible future losses and does not correct the earlier losses. Some countries have some form of  auto insurance is mandatory if you own or operate a motor vehicle. Compulsory insurance of motor vehicles is generally some form of third party or the  liability insurance covers damage you do and d  others in the vehicle.

Error No. 2: Fees  insurance are not on the color of the vehicle

You will find many so-called experts Boven denied that the color of premiums for six cars  vehicle insurance. This is true... Individual insurance. companies  other insurance n  not really use the vehicle color to quantify the risk. It  is dark because the chance of vehicles over  an accident for  dawn and dusk. Propose, white vehicles by car thieves, because it is easier to re-jet, so a higher risk  be stolen.

Error No. 3: If you are a friend of  car accident, the  insurance covers damage

It  is a myth, because of the fonts  auto insurance for vehicles and drivers are not. Not only a friend of  insurance does not cover damage, there is also a good chance that your insurance does not cover damage, and must pay out of pocket. Most policies for  vehicle insurance or  designated driver , or  More Drivers. If you  re the only candidate leading in the Police  insurance, then the request should be rejected. There are only a few led some politicians, the  insured and his spouse, it may be sufficient to cover a friend in a vehicle accident. If the policy does not cover is your friend, and the request is accepted, you can expect the premium to go. You  He also loses the no-claims bonus, if any.

Error No. 4: The Vote  not affect my premiums  insurance

How it could be possible factors of the rating the chances of  car accident, or s  it is stolen? Well, the answer is that  there  is not, but it does not, if you miss payments, or even  cancel the policy, to commit fraud  insurance. People with bad credit ratings, especially those who are at high risk for companies  failed insurance for financial reasons, and reasons unrelated to risk the drive.

Error # 5: The government determines the amount of premiums

Premiums  insurance and are not fixed by the government. The area of  insurance is regulated by the government, however, and the mediator is appointed to handle disputes between insureds and insurers. Premiums  insurance setting function of several factors, including the make, model, and the value of the car and  other factors, such as  history claims and credit score.