Will You Have To Undergo A Car Inspection When Getting Car Insurance?
Normally when purchasing auto insurance you probably will only be asked for basic information about your vehicle. You are typically asked to provide the year, make, model and to provide the accurate mileage from the odometer. You will also need to provide some idea as to the condition of your vehicle and project your driving needs. Car owners who travel long distances for work are charged higher premiums than those who drive less frequently. Armed with this basic data and your car or truck Vehicle Identification Number (VIN), the insurance company is able to generate a quote after a quick check of collision history of your vehicle.
Using the VIN number the agent would get all the information required about the vehicle, and may even like to arrange an inspection of that particular vehicle so that your actual rates is reduced to a much lower price. Car accessories such a custom made rims, wheels or expensive stereos which you would like to claim along with the vehicle, needs to be inspected before the insurance company provides you with the coverage. This is because there is a possibility of people having an ordinary cassette player, giving false information about it and claiming it to be an expensive one in order to get it covered, which might actually reduce the asset of the Insurance company.
Often the Insurance Company may insist on Inspection, just to know the overall condition of the vehicle alone and if they find the actual condition of the vehicle is poorer than what it is claimed, it may affect the actual insurance coverage. Mechanical faults, improper maintenance such as rust or faded paint, poor condition of seats all make your vehicle go down its ladder for maximum coverage. Moreover it will also let you down when it comes to the blue book, as it mainly depends on the perfect condition of the car which may inadvertently make you to lose a fair amount of money, slashing your pocket with few thousands of dollars. In case of accidents, where the actual damage done to the car is summed up and in the event of blue book claim, the total value is paid to you only after the insurance company analysis the perfect numbers to be paid.
Typically vehicle inspections are very rare. The situation that most often tends to draw the extra attention of insurance companies are customers who insure older cars for full-coverage. Such inspections make sense for both insurance companies and car owners. It is in the insurance company?s best interest to verify that vehicles they insure are valued properly and, additionally, it may lead to lower premiums should car owners over-estimate their vehicles? worth.
It is in your best interest to be truthful with your insurance company when searching for a quote. If your passenger door is about to fall off and you are just waiting to lie to the insurance company and tell them you were a victim of a hit and run and that your car door is now totaled, the insurance company can throw you in jail for insurance fraud. They may even already have pictures of your car before you created the accident.
It is best to be honest when buying insurance policies. Deception might be classified as fraud and end up costing you more than any short-term profit. You never know if an insurance agent or adjuster will ask to see and take pictures of your car or truck.
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