Car Insurance Procedures And Practices Essay

1259 Words Jul 8th, 2015 null Page
Most of us have what would be best termed as basic knowledge of car insurance procedures and practices. That doesn’t help much when it comes time to take a new policy. Before you do, you should be ready with questions to ask when shopping for car insurance, that will help cover the finer points of a policy.

The idea isn’t to get the best policy possible, or even the cheapest, but rather one that offers the best value for the money.

Here are 10 questions that will help you to accomplish that goal.

Will my policy cover other drivers of my vehicle?

Naturally, your policy will cover you while you are driving your own vehicle. But what happens if a family member is driving your car on a run to the grocery store? Or a friend borrows it to run an errand? And how will the policy work if you are driving someone else’s vehicle, and you are involved in an accident?

How each of these situations will be handled will depend upon your insurance carrier, as well as the laws in your particular state. Never assume that each of these incidents will be covered simply because you have a car insurance policy.

How will certain jobs affect my coverage?

When you apply for a car insurance policy, you will be asked specific questions about your driving habits. This will include the distance that you commute to work or school, as well as the type of work that you do and whether or not your car will be used in connection with your work.

Understand that certain lines of work will be specifically…

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