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The most important Do’s and Dont’s with a Car Insurance
If you want to stay carefree about expenses arising from car accidents then you must buy proper car insurance. Buy vehicle insurance not because it’s mandatory but because it keeps you risk-free. Vehicle insurance is not a liability. It helps you protect from the huge expenses that occur in case of accidents. For many people, buying car insurance is a scary and vexed question. But if you spare little time to understand about insurance, it’s not as difficult as it seems.
Here are some dos and don’ts that one should remember while buying car insurance.
DOS:
When it comes to selecting an insurance provider company, make sure that it is a trusted one and has good rating amongst insurance buyers. Typically people tend to go for the cheapest one. But cheapest may not be the best. The cheap insurance policies may have several clauses in their contract which may create problems while making claims. Obtain the quotes from different insurance providers and select the one best suitable to you. Also you can compare different policies on a third party websites available on internet. When you buy insurance, read all documents carefully and get all your questions answered from the insurance agent.
Remember the expiry date of your car insurance policy and renew it when it expires. Many people forget to renew their car insurance only to regret when they meet with an accident.
Educate yourself about the terms like Third Party Insurance, Property Damage Liability Coverage, Bodily Injury Liability Coverage, Personal Injury Protection, etc. This will help you to make a decision about what coverage you need to buy so that you don’t end up buying something unwanted and missing something important.
Remember that insurance is not a liability but an asset which helps cover your expenses in untoward incidents of accidents. So you must buy as much insurance as you can afford.
DON’TS:
Never give any false information when you buy insurance. This may disqualify you when you claim the insurance amount. Stay genuine, stay happy. Don’t break traffic rules while you are driving. In case of you breaking a rule and meeting an accident, the insurance company may not consider your claim. Never miss the insurance policy installments. Missing the installment may lead to cancellation or lapse of your policy. If you were not able to pay your installment on due date, call insurance agency and inform them. Also make sure that status of your policy is always active.
Stay insured, stay care-free.
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