There are no grey areas when it comes to car insurance. Some us might have experienced the discomfort of not being sufficiently paid out after a claim. An insurance agreement is an agreement between the insurer and the insured and as with any relationship it is important to keep things legal and legit to make sure you don’t have any problems at claims stage. It is true that you might have to pay more for your insurance if you mention risk factors like what you are going to be using your car for but it is worth it if you consider you might have to pay half the damage at claim stage because you didn’t disclose everything. Click here for factors that might impact your car insurance premium.
As previously mentioned it is important to tell the truth. Disclose information that affects your insurance like your age, driving experience, address and your claims history. It is a legal requirement at all times with insurance for you to disclose information that directly impacts your premium. Lying about anything on your application is considered to be insurance fraud and would cause you to have no cover if you do need to claim for your car. Take a look at http://www.hudsonagencyinsurance.com/cheap-car-insurance-memphis-tn/ for reliable car insurance that is available at an affordable price. If you are looking for the best possible claims experience in the fastest amount of time this will be the best insurer for you.
Most insurance companies will request the names of drivers that will be driving the cars on the most regular basis. Make sure that you are honest with this answer. It happens on occasion that parents lie about the fact that their children will be driving their cars. Because of this there has been many claims where no funds where paid out. If your child is learning to drive you need to make sure that it is listed on your insurance policy. Accidents do happen and it is vital that the information is correct. It is also important to report any accidents to your insurer. If you feel your friend can fix it quickly it’s all good but you need to inform your insurer that you are fixing your car privately and that you had an accident.
It is also important that you take care of your car, negligent behavior is a bad thing and if it causes an accident your insurer might not pay out the claim. Click here for tips on taking care of your car. You also need to make sure that anyone that drives your vehicle is covered by your insurance policy so take care if you lend your car to a friend. If you have any modifications done to your vehicle make sure that you declare it to your insurance company as this is necessary to enjoy cover for these modifications and upgrades. If you don’t you might end up with a stock standard vehicle if your car is written off or stolen. Remember that you should only use your car for what it covered for. If you selected strictly social use you cannot use your car as a commercial vehicle as you might have difficulty in getting covered if something happens.