subject: Car Insurance policy - 6 Things to Clarify about It [print this page] Years of experience in car insurance business had taught me that there are some things need some clarification for prospective insurance holders to know the best way to enjoy insurance policy. This hard nut about car insurance policy that must be cracked is centred about direct car insurance and auto insurance coverage. Let's look into some of these issues.
(i) what will be the effect of this first ticket on my insurance
Ordinarily this may send cold down your spine that your insurance rate will go up which is not correct. On good day most insurance firms will not alter your insurance rate except you get more tickets within the next 3-5 years.
(ii) Will the Plasma TV I got last year affect my insurance rate?
If you bought the Plasma on your credit card that is yet to be paid then it might have effect on your insurance rate. The reason is the insurance firms these day uses credit scoring to determine even how much you pay at renewal not only to justify your qualification for insurance rate t the policy. If you have a good credit scoring you stand the chance of enjoying a very good reduction in your insurance rate.
(iii) Will my homeowner policy cover my car door slammed into my lawnmower parked in my garage?
To answer straight away it will not cover it. For you to be covered your car insurance must be comprehensive coverage which happen only after the payment of your deductible.
(iv) Will my car insurance cover me if I am hit by a car?
It is great to discover that if you sustained injury or even loose your life on your bike or while walking along the road you may be covered by your direct insurance policy. Even it happens that the fellow involve has no insurance or under insured, it is the turn of your Uninsured or Underinsured coverage to cover you.
(v) Will my car insurance cover my personal belongings stolen in my car when burgled?
The car insurance does not cover personal belongings left behind in your car except those things that are attached to the car. So your car insurance may not pay claim for those personal belongings stole from your car. The homeowners or rental insurance policy ought to be responsible for this.
(vi) Does the colour of my car affect my insurance rate?
A big lie, there is no effect of your car colour on your car insurance rate. You are free to make the choice of the colour that interest you.
Car Insurance policy - 6 Things to Clarify about It
By: angela Oscar
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