I am sure you have an automobile indemnity policy.
You have taken care to get the low auto insurance rate and you feel totally safe and secure.
Why not, you have managed to get a low auto premium rate and you have your automobile coverage.
If there is an accident you would be paid by the general insurance auto company.
But have you ever taken time to review car insurance coverage? To check if the general assurance company provides you with auto assurance at all times? The reality is that the general assurance companies do not provide coverage under all circumstances.
There are a number of situations when you are not covered under your car policy.
It is best for you to be aware of this rather than stay under the wrong belief that your insurer is providing the car indemnity coverage to you under these situations.
Your auto policy will cover you for the vehicle that is specified on your policy.
If you have more than one vehicle which you own, you will not be covered for both the vehicles unless both of them are listed on your policy.
In case you own an old car and are driving this just because the new car, which is actually insured, is at the repairs shop, you are not covered on the old car.
There is a specific exclusion in your auto insurance policy which excludes other vehicles you own or that are available for your use regularly which are not listed on your policy.
In case, you are driving a car that is temporarily replacing your owned car which is covered under your policy, or a new car which you have recently purchased, the same would be covered only for a limited time span.
It would be best to call your insuring company and inform them of new purchases or temporary substitutes, preferably before doing this.
This action of yours would save you from trouble at a later time.
You have informed the company and will also know the time- period your company allows you to use a new vehicle before actually insuring it.
The reason for this advice is because the time limits and conditions would differ from insurer to insurer.
Vehicles which are owned by the family and not listed on your policy would not be insured for liability in case you are using them.
Another point you have to keep in mind is that even though the assurance company will not pay you, your auto premium rates will shoot up and you will not get low auto insurance rate after an uncovered accident.
This is because your car premium rate would be affected since your driving history is affected because of the accident.
Of course the legal hassles of driving an uninsured car would be an additional problem.
So the best thing to do is to avoid such situations and see that you drive a car on which you are the listed driver.
It is better to review car insurance coverage each time you get yourself auto policy.
Review car insurance and stay informed.
This is a sure road to reaching the destination of low auto insurance rates.
You have taken care to get the low auto insurance rate and you feel totally safe and secure.
Why not, you have managed to get a low auto premium rate and you have your automobile coverage.
If there is an accident you would be paid by the general insurance auto company.
But have you ever taken time to review car insurance coverage? To check if the general assurance company provides you with auto assurance at all times? The reality is that the general assurance companies do not provide coverage under all circumstances.
There are a number of situations when you are not covered under your car policy.
It is best for you to be aware of this rather than stay under the wrong belief that your insurer is providing the car indemnity coverage to you under these situations.
Your auto policy will cover you for the vehicle that is specified on your policy.
If you have more than one vehicle which you own, you will not be covered for both the vehicles unless both of them are listed on your policy.
In case you own an old car and are driving this just because the new car, which is actually insured, is at the repairs shop, you are not covered on the old car.
There is a specific exclusion in your auto insurance policy which excludes other vehicles you own or that are available for your use regularly which are not listed on your policy.
In case, you are driving a car that is temporarily replacing your owned car which is covered under your policy, or a new car which you have recently purchased, the same would be covered only for a limited time span.
It would be best to call your insuring company and inform them of new purchases or temporary substitutes, preferably before doing this.
This action of yours would save you from trouble at a later time.
You have informed the company and will also know the time- period your company allows you to use a new vehicle before actually insuring it.
The reason for this advice is because the time limits and conditions would differ from insurer to insurer.
Vehicles which are owned by the family and not listed on your policy would not be insured for liability in case you are using them.
Another point you have to keep in mind is that even though the assurance company will not pay you, your auto premium rates will shoot up and you will not get low auto insurance rate after an uncovered accident.
This is because your car premium rate would be affected since your driving history is affected because of the accident.
Of course the legal hassles of driving an uninsured car would be an additional problem.
So the best thing to do is to avoid such situations and see that you drive a car on which you are the listed driver.
It is better to review car insurance coverage each time you get yourself auto policy.
Review car insurance and stay informed.
This is a sure road to reaching the destination of low auto insurance rates.
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