Useful Auto Insurance Facts That You Should Know
Useful Auto Insurance Facts That You Should Know
Insurance is something that confuses most people. However, it is important that you understand what you stand to get and more importantly what you are not entitled to when you make a claim. To ensure that your auto insurance claim is honored, you should take the right steps after the accident takes place. After you have made arrangements for the people who require medical attention, you should quickly contact the police because they will document the evidence that you may require to prove how the accident took place. Then you should report the matter to your auto insurance provider. You should also not forget to take down the names and addresses of the people who were involved in the incident. Remember to take the contact details of the witnesses and the plate numbers of the cars too. People are far more flustered when they get involved in accidents in vehicles that do not belong to them or if their vehicle was being driven by someone else when the accident took place. Here is some information about what happens in such cases: If you have loaned your car to someone and that person gets involved in a crash, insurers are usually willing to provide the cover. Usually family members who stay with the owner of the vehicle are given this coverage automatically. If you do not want the company to provide insurance when some particular driver was operating the vehicle when the accident takes place, you will have to provide the person's name in the declaration sheet. In case you get involved in a crash in a vehicle that you have hired, you will still be entitled to coverage if your policy has that provision. However, the agencies that hire out vehicles usually buy coverage. In such a situation, your insurer is not liable to pay for the damages. If the accident happens when you are driving a borrowed vehicle, you could still claim coverage. Your insurance provider is supposed to give coverage only for things that are not covered by the insurer of the owner of the vehicle in question. However, you will get it only if you had the permission to drive the vehicle. For those who are looking for auto insurance, Harrisburg PA has a good option for you: Farnham Insurance.