On a surface level, auto insurance seems relatively simple: you pay for insurance and it covers you if you’re ever in an accident. However, as you dive into the complexities of your policy, you may find that you have more questions than you realized.
Here are the answers to some of the most commonly asked car insurance questions.
1) Does insurance cover me or my car?
It depends on the type of coverage you have. For instance, collision and comprehensive coverage provide protection for your car. Collision will cover any damages caused by an accident and comprehensive will cover damages from other incidents, such as vandalism, fallen trees, etc. Generally, these policies will cover your car regardless of who is driving your vehicle. Policies like bodily injury liability and personal injury protection follow the driver. Bodily injury liability covers you if you cause injury or damage to others. Personal injury protection covers your own medical expenses in the case of an accident. For both these policies, you are covered regardless of the car you’re driving.
2) Can my insurer check my driving history and does my history matter?
Yes, your insurance company can check your history with a Comprehensive Loss Underwriting Exchange (CLUE) report or a Motor Vehicle Report (MVR). A CLUE shows your claims history over the last 5 years and an MVR lists any of your driving offenses. These documents can influence how much you have to pay for insurance.
3) Will a police report determine fault if I’m in an accident.
Usually, if the police report states who is at fault, your insurance company will go along with it. However, other circumstances might affect your insurance company’s decision. Additionally, state statues may also affect the weight that a police report holds.
Hopefully these answers to these commonly asked car insurance questions help to clear up some of your confusion. If you still have questions about car insurance or if you are simply interested in getting the coverage you need, then contact John Scott Insurance. Our team is ready to assist you with all your insurance needs.