Car Insurance- Mistakes That Will Cost You
Car insurance is meant to protect you when youre caught in a bad situation
. It costs you money, of course, but it doesnt have to cost you the world. In fact, it can be very affordable. Some mistakes, however, can cost you if youre not careful. Here are some mistakes you should try to avoid at all costs.Driving without insurance
Driving without insurance is against the law in America and if caught, there could be a heavy price to pay. For starters, lets say youre involved in a car accident and you are at-fault. If you end up injuring someone seriously and you dont have insurance, you could get sued. Something like this could ruin you financially and stay with you forever. If caught driving without a license, some of the penalties you are likely to face are having you license and vehicle registration suspended. You could also be charged a very heft fine. Simply put, driving without insurance is something you should NEVER do. If its spending too much on insurance youre worried about, shop around for car insurance rates. Get auto insurance quotes from at least 3-4 different companies; compare them and see which works best for you.
Tickets
Having multiple tickets on your record will increase your premiums. You should try to be careful while driving; always wear a seat-belt, dont exceed speed limits or run red lights and avoid making illegal turns. Tickets stay on your record for a good three years, so its always a good idea to follow rules and regulations if you want to avoid high premium rates.
Missed insurance policy payments
Missed insurance policy payments lead to instant cancellations of policy. If you think this is no big deal, think again. Having your policy canceled because of non-payment could result in a considerable increase in premium rates with the next insurance company you approach for rates. Worse, you might get your application rejected entirely. Some other companies might even regard you as a high-risk driver, which means youll have to face rates associated with being a high-risk driver.
Non-disclosure of key payments
Sometimes you might avoid putting in some details on your insurance application in hopes of getting lower insurance rates. Sometimes certain details might slip your mind. It might not be intentional, but when it comes to your providers knowledge, you could face serious consequences. For starters, your application could be rejected altogether. If comes to light later, your policy could be canceled immediately. And if, by any chance, youve met with an accident around the same time, theres a chance your claim could be rejected as well.
Fraudulent claims
Fraudulent claims could land you in big trouble. If found guilty of committing auto insurance fraud, you could face legal penalties, cancellation of your policy and in some cases, depending on the type of the offense; lawsuit, or worse, jail. Its best to avoid such a situation altogether and always be honest when applying for insurance.
Car insurance doesnt have to be expensive, but being careless could have you paying heavily for it.
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