When you are new to the world of car insurance, it can seem like an endless list of rules and regulations. It is a process that can take some to truly understand, but that is where our agents can help you. Here are three car insurance myths that many people believe are true:
1. Myth: When a friend drives my car and gets into an accident, his insurance is the one who handles it.
– If you allow your friend to drive your vehicle and he or she gets into any type of accident, be it a fender bender or a major auto accident, your insurance is the one that will apply, since insurance follows the vehicle. So if your buddy who has multiple accidents under his or her belt and asks you to borrow your car as a favor, save yourself the time and headache and politely decline.
2. Myth: Thieves prefer to steal new and fancy cars.
– Did you know that one of the most stolen cars is the 1996 Honda Accord? This is because not only do these type of cars have more in demand parts for chop shops such as catalytic converters, but they also lack alarms and any other security devices. Ol’ Reliable is not always safe!
3. Myth: Personal property in my car is covered through my car insurance
– Whenever personal property is damaged in a car accident, be it your fault or not, your car insurance policy does not cover it. If expensive items are damaged in your car, you can file a claim through your homeowners’ insurance. The good news is that AIS offers both of these types of insurance, thus keeping everything convenient.
It is easy to listen to insurance rumors and myths without thinking twice about it. The best thing you can do with any questions is to call your friendly AIS insurance agent.
The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and the language contained therein will govern such policy. No warranty or appropriateness for a specific purpose is expressed or implied.