Accident and Insurance Claims History
Reader’s Question:
Is there a way to avoid reporting my accident and insurance claims history when I apply for car insurance coverage from a different company?
Chuck
Fresno, CA
Accident and insurance claims history have to be reported whenever an individual applies for car insurance coverage. The same is true when car insurance policies are up for renewal. This is because accident and insurance claims history, along with age, gender, make and type of vehicle and the number of licensed drivers to be enlisted in the policy are the main factors that are considered in the computation of one’s car insurance premiums. Moreover, the prospective client’s credit score will be checked by the insurers because they believe that responsible drivers responsibly handle their finances, as well. So, those with bad credit standing will have to pay more.
When an individual applies for car insurance, bear in mind that the motor vehicle record (MVR) that contains information on traffic violations, convictions and accidents will be accessed through the Department of Motor Vehicles (DMV) by car insurance companies. This will be the same case with your insurance records. The insurer will check with your previous car insurance providers for a record of your past benefit claims. So, it would be in your best interest to provide them with all the pertinent information that car insurance companies require. They are bound to know about your accident and insurance claims, anyway. You don’t want to attract unwanted suspicion by deliberately withholding information.
If you worry that your accident and insurance claims history will give you a hard time looking for reasonable car insurance rates, then you should broaden your range of options. There are companies who are willing to provide you with coverage even if you have a slightly long history of accident and insurance claims. You just need to put a little more effort in finding them.
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