Bill Quickel's - Insurance Plus Agencies Inc. Blog |
 You have car insurance to provide protection of your vehicle and liability risks you face. Liability covers losses you are responsible for that impact other people. However, there are limits to when this insurance applies. Could auto insurance help cover lawn damage? There are a few things to consider here.
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 A friend borrows your vehicle. That person causes an accident. He or she damages your car. And, there is damage to another person’s car, too. Who covers the losses?
In a situation like this, it can seem very worrisome to you, but most often, car insurance covers the vehicle. That is, your car insurance remains in place even when someone else drives the car. Here is what you need to know.  When an accident occurs, do the right thing. Report it. Call the police to get an official statement over what happened on record. Be sure to file a police report. Then, call your auto insurance agent. The fact is, if you do not report it, chances are they will learn about it anyway. Don’t make the mistake of thinking your car insurance company will not know. Do you know what the consequences could be?
 Your parents are getting older. You worry they may not be as skilled behind the wheel like they used to be. In situations like this, many people want to know what to do. And, how do you know when your senior loved one is no longer safe behind the wheel? Your auto insurance provider needs to know this information as well.
 Auto insurance companies use credit scores to determine the risk of a vehicle owner. Those with good credit scores could save money. It is always wise to work to boost your credit score. It could help reduce what you have to pay each month. But, how do you do so? Before you renew your policy, consider these tips.
 Are you planning to obtain a new auto insurance policy? Perhaps you are looking for quotes on an auto insurance policy to save money. When asked about your driving record, be honest. Not doing so is going to cost you in the long term. Most drivers will find car insurance even if they have a few points on their license. But, if you lie, you may not get coverage from any agent. Before you lie, consider the following about coverage.
 You know how important it is to protect your credit information. You may work hard to keep your score as high as possible. Why do auto insurance companies need this information?
 If you are unfamiliar with MOPAR Vehicle Protection, it is an extended warranty offered to owners of cars manufactured by Fiat Chrysler Automobiles and some competing manufacturers. It does not overlap with warranty coverage, but includes additional benefits. The car brands included in MOPAR are:
You need auto insurance. You turn to a car insurance provider for a quote. The insurer pulls a credit report to determine if they should offer a policy to you. How will this change what you pay for your coverage?
The insurer is looking at risk indicators. Each insurer sets indicators of risk based on factors like your credit report. This information determines if they give you a policy. It can also impact how much you pay. Most people do not think about risk when obtaining a policy like this. However, it could impact the exact benefits offered by your coverage. What Is a Risk Indicator? Insurance companies need to determine if a person is likely to file claims or be in accidents. Each auto insurance company establishes a risk indicator to do this. This is a type of code. It allows the company to determine how risky a policyholder is to them. If they are more risky, the insurer may charge more to cover these losses. |
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