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Contents:
What happened?
After an accident, some car insurance companies want to know what action you took to prevent or resolve the accident. This includes questions about how fast you were driving, whether you stopped in time, and whether you notified others of your arrival.
If you were in a car with another person, the insurance company wants to know if the person was at fault for the accident. If not, then the company can assess your damages and decide if they should pay you for your injuries or not.
If the person was at fault, then the company can ask why they weren’t insured or responsible for their injuries. Did they have health insurance? If not, then it would be difficult for them to obtain coverage after an injury.
Many people are surprised by some of the questions that car insurance companies ask after an accident.
Where did the accident occur?
After an accident, the questions that car insurance companies ask are where you were earlier in the event, what kind of insurance you have, and what kind of damage was done.
These questions are to see if anyone else was injured in the accident and whether or not they can find them. If you were riding a bike or riding a motorcycle, then car insurance companies can check to see if anyone was injured in the accident.
If there is a legal issue that arises after an accident, such as who was at fault, then car insurance companies will be on board with that issue. As long as there is no financial implications for you, then it does not matter if they ask all these questions.
It is important to keep answers to these questions up-to-date so that your car insurance company can answer them properly.
How many miles were on the car?
This may seem odd, but car insurance companies may be evaluating your driving skills by how many miles the car got on the road.
Normally, they’ll ask you how many miles you drove the day of your accident, but if you were driving a very low-mileage vehicle at the time of your accident, then they may be looking at that to see if you were smart with your driving.
How far you drove and how many times you drove the vehicle may be taken into account in this evaluation. It’s important to get good driver training and take beat-down cars seriously when doing this.
If a driver has a really high accident count, their car may be revalued to reflect that.
What is the car worth?
After an accident, a car insurance company will want to know what kind of car you were driving and if it was a good vehicle for the terrain or situation.
This is for several reasons. The insurance company can use the facts and trends about automobile liability to figure out how much they will charge you in claims.
If the vehicle was damaged because someone else’s mistake, then the insurance company will likely lower the premium resulting in more customers. If it was an intentional damage, then the premium may be higher than if it was cosmetic only.
These questions can help narrow down what kind of car you should buy and what kind of risks you should have with your vehicle.
Did you have insurance?
After an accident, most insurers will ask if they should have had insurance. They will also ask if someone else’s insurance covered you.
This is because some companies consider you a secondary victim in an accident and may question your coverage level after the accident. There are a few companies, like Progressive, that don’t require insurance be provided at the time of enrollment.
To ensure your car insurance is up to date, inquire about its policy online or by calling the office to confirm.
Did you take a test and if so, what was your score?
When a driver or passenger in a car or truck is injured, the person responsible for monitoring trauma treatment and debris removal can be difficult to contact. This includes automobile and truck insurance companies.
This is why it is important to have a good plan for re-accommodation after an accident. Many times, hospital bed numbers and details are provided via hospital records or staff members’ notes.
This is helpful in determining who to call with questions and requests. In some cases, the person responsible for calling hospitals may not know who came to the scene of the accident, so having information from a staff member can be helpful.
Having information about the test scores can also help show someone was properly Responsible for one’s automobile after an accident.
What is your history of accidents and tickets?
While it sounds scary, reading this information can help save you in the future. It may give you an idea of what kind of mistakes you have made before and how others have treated you because of it.
Answers like having one or more accidents within the last year and a recent ticket may indicate a speeding ticket may help lower your rate on car insurance.
Many companies will only offer car insurance to people who do not have a lot of accident or insurance coverage. This is so they do not run into the same problems that people with more coverage run into.
Having only an auto insurance policy does not mean your driver does not have liability coverage. It just means they do not need to add additional policy details for their driving, just like someone with only car insurance has to add details for their vehicle.
What is your employment history?
Most car insurance companies will be looking at your past jobs as experience and jobs played a role in your insurance rates.
If you have a high-paying job that may also involve skills, then your company may give you a discount on your insurance. If you are an hourly worker, your company may ask for a salary breakdown for the last few months of business to reduce their liability coverage.
These questions can be hard to answer, but remember, this is not a judgement call. This is simply how they question people who have been in an accident and what they ask after the accident.
Technically, if you were not injured in the accident and did not mention anything about your injury or what caused it, then you did not lie on your policy. This is only applied to liability policies, not comprehensive coverage.