subject: Car Insurance, how to avoid scams? [print this page] Car Insurance, how to avoid scams? Car Insurance, how to avoid scams?
A good student auto insurance, it does exist, it is certainly not easy to find but we have selected insurers who offer affordable rates insurance young driver. On the other hand, it is much easier and common to be scammed. Here we give you all the keys and runs on your auto insurance, how to avoid scams and avoid the pitfalls of some people completely devoid of ethics and remorse, and do not hesitate to roll in the flour.
There are indeed scams car insurance suffered by many motorists, experienced or not. Therefore, we recommend that you always carefully read your insurance policy from beginning to end, not forgetting the small lines at the bottom of pages!
These words may seem just logical, but few drivers who take the time to read their insurance policies before signing. It is usually written in technical language if not abstract for most motorists who are not really familiar with the law and insurance.
To begin, you must consider the benefits covered by your auto insurance policy and its exclusions. Any insurance contract covers at least the third is the guarantee of civil liability which is mandatory for any vehicle licensed to travel on public roads. Auto insurance covers third driver, it is present on the contract or not, which therefore includes the driver of record, secondary, and any other person who borrows your vehicle (with or without your permission.) In addition, passengers are also included in this cover to others, including in cases where they cause an accident. Thus, any victim of an accident will be compensated by your insurance, you are responsible or not for the accident. However, make sure that the security driver is also included so as to compensate also the driver responsible for the accident and was also injured.
The franchise in auto insurance are also prone to scams. Define for clarity. The insurance generally offer two types of franchises: the frankness and openness simple absolute. In the first case, a fixed amount that you pay yourself if the amount of damage to exceed. But if the price of repairs exceeds the deductible, then the insurer will reimburse all costs incurred. For the absolute frankness, it can be fixed or vary according to the proportional damage. To see so on a case by case.
The bonus / malus system is somewhat complex and also may be scams to car insurance. To keep it short and clear, remember that you begin your life as a young driver with a coefficient of 1. Each year, your insurer will step down with your coefficient a 5% bonus if you have not had an accident, your coefficient to 0.95 and from the second year and so on. Conversely, your ratio will increase by 25% with a penalty if you have been responsible for an accident. This factor is naturally assigned to your insurance premium and therefore your annual auto insurance rates!
Finally, theft cases are often contentious in the context of an auto insurance contract. Also, soak up much of your contract and follow it to the letter if you need to install anti-theft systems on your car such as anti-theft, alarm and / or etched glass. Know that the damage during an attempted robbery are rarely covered by your auto insurance. Similarly, insurers do not consider a flight as such if committed by a relative. Then read carefully your contract on the terms of repayment due to theft. In all cases, it is imperative you report the theft to your insurance within two days following the act by a registered letter. If your car is still missing and has been proven that this is flight (windows and doors closed, key stuck driving ...) only then your insurance will begin to redeem. Regarding accessories, do you make no mistake, they will not be refunded at the price you bought them.
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