The questions regarding auto insurance just keeps getting longer each day. There may be some aspects which you did not understand in the terms and conditions supplied by your insurance provider or it’s possible that you’ve encountered a problem and you don’t know how to handle it. Well, you are in luck because this article can address some of the most common issues a policy holder may encounter.
Is everyone driving my car insured as well?
More often than not, yes anyone driving your car gets insured as well so long as the car owner (who is also the policyholder) gives the other person the permission. This means you’ll need to register everyone who will be driving the car. Of course, some companies allow this; others don’t, depending on the laws of the state. To be sure it is best to contact your provider. While some companies allow this, others don’t, so it is important that you ask this with your provider. Keep in mind that by doing this, the premium you pay may increase.
How is the driving history of a person related to the rates given to him?
More often than not, one’s driving history for the past five years is the basis of the rates offered to a potential client. Drivers with a bad driving record usually get higher premiums because there is greater chance for the policyholder to file for a claim. On the other hand, if you’re driving record shows no violations, then there is a good chance you can get lower rates. If you had bad record previously, but were able to clean it, you can always request your insurance provider to reevaluate your policy so you can be given a discount.
Is it a requirement to insure teenage drivers after acquiring their license?
The answer is yes. Remember that young drivers are usually involved in car accidents – both h major and minor. Getting them insurance will let you feel a little more at ease when they leave from home driving their car. If you are worrying about the cost, then you will be pleased to know that discounts are given to students. Also they can also receive a 15% discount if they a B or a GPA of 3.0 on their driving class.
While the answers that were presented in this article are reliable, it would still be a good thing to ask your insurance provider. What may be applicable to a certain company may not be in other providers. Be well-equipped with the information about your insurance and you’d be able to maximize the benefits that your insurance provides.
