Personal Injury
Defective ProductsNEW: Auto Insurance Company Reviews
The Truth About California Car Insurance
Auto insurance accident lawyers have their hands full with questions about car insurance. With the amount of false information floating around it's hard to get real answers to important questions. Auto insurers are trying to make the biggest profit, and you are trying to keep the most money in your pocket as possible, while getting the coverage that you need.
I've scoured the Internet and found common auto insurance myths and hope to clear up some misconceptions you may have.
"It is the government's fault that my insurance rate is so high, because they set the premiums."
The government does not set your car insurance premium. State insurance departments make a point to regulate how much car insurance providers are allowed to set, but that is the extent to which they are involved.
"My credit score does not affect my auto insurance premium."
Unfortunately for our debt ridden society, this is incorrect. Several insurance companies consider your credit score before allowing you coverage.
"If I have no-fault insurance, any car accident I am involved in will not go on my driving record as being my fault."
No-fault insurance means that no matter whose fault your car accident was, your insurance company will still pay your injury related bills. If you receive catastrophic injuries in an accident that was your fault, your no-fault will cover you up to its limits. If not, an insurance bad-faith claim can be brought against your insurer.
"My speeding ticket is going to raise my rates."
Depends on how many you've had. One speeding ticket won't necessarily make your rates go up, thanks to traffic school, but if you were speeding in excess or driving recklessly, then you can count on breaking the piggy bank.
"My insurance policy will pay for rental car damage."
If you have it specifically included in your policy, yes; in most cases, no. Even if you have this included in your policy, there are limitations. Many auto accident insurance professionals will advise you to obtain the rental car insurance in addition to your personal vehicle's insurance.
"I don't need to notify my insurance company of another person in my home because they have their own insurance."
Everyone who you allow to drive your car is covered by your insurance coverage, but anyone driving your car that lives in your home is going to need to be checked out. Your auto insurance company wants to know everything about everyone who is driving your car on a semi-regular basis. If someone living with you has a horrible driving record, you will either need to exclude them from your policy or pay a hefty charge to include them.
Auto Accident Insurance Legal Advice
Buying auto insurance is no walk in the park. There are twists, turns and pitfalls that are very difficult to recognize and avoid. If you have further questions about auto insurance or have been injured in an accident you would be well advised to speak to an experienced auto insurance personal injury attorney. They will give you answers to difficult questions and help you through the process.
See also Car Insurance Myths & Misconceptions.
(click on icons for more information)
SLS Consulting
