Five Common Car Insurance MythsNovember 20, 2017 2:32 pm Leave your thoughts
When hunting for a good deal on your car insurance, you’ll discover that there is a lot to choose from. Different plans, different packages and widely different prices can leave you feeling overwhelmed and completely lost. Throw in advice from your friends and acquaintances and the problem gets bigger.
While we can’t answer all your car insurance questions, as an auto body shop in Visalia, CA, we’ve worked with a lot of car owners and their insurance companies in some of the most difficult situations, so we do know a thing or two about how your insurance actually works when you really need to use it. That being said, here are a few car insurance myths that we think you should know about.
Myth #1: “No-fault insurance” doesn’t relieve you of responsibility
While no-fault insurance will cover any immediate medical expenses for both parties involved in a collision, it does not mean you won’t be held responsible if you were at fault. If both insurance companies determine the collision was your fault, you may still be liable for repairs and other damages.
Myth #2: My friend was driving my car, so it’s not my responsibility
Sorry, but if it’s your car, it means it’s your responsibility regardless of who was driving. If you think about it, insurance companies are insuring the car, not the driver. Whatever the car does, no matter who was driving, is the responsibility of the car’s owner.
Myth #3: My car insurance covers what’s inside my car, too
We hate to tell you this, but if your personal property like a laptop or your latest haul from the mall is damaged in a car accident, it won’t be covered. Car insurance covers the vehicles involved in the collision and the people inside the vehicle. Everything else is a loss.
Myth #4: The color of my car can affect my car insurance premium
A lot of people are afraid that the color of their car will affect their insurance premium. While things like make, model and year may affect your insurance premium, the color of your car does not.
Myth #5: I don’t need comprehensive insurance because my state and my lender don’t require it
While most states and lenders don’t require comprehensive insurance, that doesn’t mean you don’t need it. Bare minimum insurance policies typically do just enough to cover medical expenses and vehicle damage in the case of a collision. However, there are lots of other ways your car can be damaged, such as through theft, vandalism or natural disasters. Bare-bones insurance policies won’t cover damages in these types of instances.
Finding your way through the wide world of insurance policies may be difficult, but the more you know, the more confident you will be when you do need to use your insurance. If you find yourself in a collision and in need of a reliable auto body shop in Visalia, CA, call Tom’s Body & Paint, Inc. We work with all insurance companies and will help make the process as simple for you as possible.
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