Best answer: What questions do you get asked for car insurance?

What do they ask for when getting car insurance?

To provide you with an auto insurance quote, the agent will likely also ask for the following: Personal information. This may include the dates of birth, Social Security numbers and driver’s license numbers for each family member who will be on the policy. Driving history.

What should I not tell my car insurance company?

What Not to Say to an Insurance Company After a Car Accident

  • Don’t make any statements right after an accident. …
  • Don’t admit fault. …
  • Don’t say you are uninjured. …
  • Don’t give an official statement or recorded statement. …
  • Don’t accept a settlement without consulting an attorney. …
  • Stick to the facts. …
  • Medical records.

What do car insurance investigators look for?

They will look to “reconstruct” the accident, and do so in a systematic way. They’ll investigate suspicious claims closely and check for evidence of fraud. These investigators will also cooperate with law enforcement to help put fraud perpetrators out of business.

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How do you answer insurance questions?

Here are some guidelines to follow when answering questions from the insurance company to help protect the value of your claim:

  1. Do not comment on your injuries. …
  2. Only answer the questions asked. …
  3. Do not agree to have your statement recorded.
  4. Stick to the facts. …
  5. Write down the adjuster’s name and information.

Why do insurance companies ask for mileage?

Why does my annual mileage matter? Car insurance premiums are based on risk. The further and more often you drive, the more likely you are to be involved in and accident and need to make a claim. So, the higher your annual mileage, the higher your premium is likely to cost.

Can Julie drive a car without buying auto insurance?

In most states, you cannot legally drive a car without insurance. Driving without insurance will land you a ticket in every state but New Hampshire. In most states, you cannot legally drive a car without insurance.

Will my car insurance go up if I am not at fault?

Generally, a no-fault accident won’t cause your car insurance rates to rise. This is because the at-fault party’s insurance provider will be responsible for your medical expenses and vehicle repairs. If your insurer doesn’t need to fork out money, your premiums won’t go up.

Do insurance companies talk to each other?

Insurance companies don’t contact one another to discuss an individual’s motor vehicle records and insurance claims history in order to determine their rates for coverage. … Rather, virtually every insurance company “subscribes” to a service and purchase reports one at a time for underwriting and pricing purposes.

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What happens if your car is totaled and it’s not your fault?

When a car has been totaled the insurer must then compensate you for the determined value of the vehicle prior to the accident. They won’t replace your car, or guarantee that the vehicle’s pre-accident value will be enough to purchase a replacement.

Can you go to jail for lying to insurance?

In NSW, insurance fraud is usually dealt with under Section 192E of the Crimes Act 1900. There is a maximum penalty if convicted of a 10-year prison sentence. You may also be required to pay back the amount that was defrauded.

Can insurance investigators tap your phone?

Private investigators aren’t allowed to do anything illegal, which could include trespassing onto your private property, entering your home without your consent, hacking into your email or mobile phone, putting a tracking device on your car, or impersonating law enforcement officers.

What should you not say to an insurance investigator?

Never say that you are sorry or admit any kind of fault. Remember that a claims adjuster is looking for reasons to reduce the liability of an insurance company, and any admission of negligence can seriously compromise a claim.

What are the basic insurance principles?

In the insurance world there are six basic principles that must be met, ie insurable interest, Utmost good faith, proximate cause, indemnity, subrogation and contribution. The right to insure arising out of a financial relationship, between the insured to the insured and legally recognized.

What is insurance simple words?

Insurance is a contract (policy) in which an insurer indemnifies another against losses from specific contingencies or perils. … Life, health, homeowners, and auto are the most common forms of insurance. The core components that make up most insurance policies are the deductible, policy limit, and premium.

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