Auto insurance is not that important for many students because young students are covered on their parents’ policies. Many students still have to pay for their own insurance. Working with an agent might be a good decision because you can ask your agent to compare different level and get feedback. Agents will help you in your current situation. If you have gotten into a car accident and you don’t know what the best decisions are, it is a good choice to talk to your agent about it.
Having auto insurance will help you pay for the accident, it is always a good idea to drive safely on the streets because you won’t want to pay for your accidents! Some tips to avoid accidents are checking all your mirrors and looking for signals. Keeping your eye on other vehicles is also an important thing you should do. Do not drive over the speed limit. Driving over the speed limit can cause a collision or you can be stopped by a police officer and receive a fine. Try to avoid alcohol and other dangerous drinks that will cause you to have a collision. Always have a driver if you are going to go out and eat and drink. Alcohol can slow people’s reaction time and will cause you to loose your self-control. Alcohol also affects your eye site and consciousness.
According to the auto insurance policies if your deductible is more than the cost of your repairs, you are going to end up paying the bill yourself and leaving your claim unreported. It is legal to not report an accident to your insurance company. Every time you file a claim it will go onto your insurance record. Companies are protected against fraudulent claims from you. There is a chance your policy may not be renewed if you are involved in one accident. The company has the decision to renew your policy or not.
If you let your friend borrow your car and your friend got involve within a car accident, then you and your friends both have auto insurance then your insurance is going to pay first then you will have to pay for your deductible. The policy states that it insures the vehicle and your friends or family member with your permission. If your friend drives your vehicle without you knowing, they will be held accountable for the damages your car has been through and your friend’s insurance will cover it and if your friend’s insurance won’t cover it then you will need to use your collision insurance to cover the damages to the car.