Insurance Fact or Fiction…

Red Cars are more expensive to insure? False – Red is a popular color but your premium is safe. Insurance companies definitely don’t judge your car based on its color.

I was just in an accident but the police said it wasn’t my fault. This means I won’t have to pay a deductible? False – While the police may say you were not responsible for the collision you still could be considered “At Fault.” The insurance adjuster will independently investigate the accident and determine fault.

Insurers don’t pay for damages caused by “Acts of God?” False – “Acts of God” are called “Perils” by insurance companies and are covered. These perils are listed by their real names such as Fire or Lightning, Windstorm or Hail.

Insurance companies change the rules on what auto coverage they provide and what they charge for it? False – The state regulates the car insurance industry. They set minimum coverage levels and must approve and monitor what products cover and any price changes.

My car insurance will go up if I’m caught without a seatbelt? True – Believe it or not, buckling up can save your life and your bank account. If you’ve been convicted for not wearing a seatbelt, yes you will be viewed as a higher risk, which means you could pay a higher premium. Visit our website today to see how you can save money on your auto and obtain a free quote.

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