As with everything in life, there are a number of common myths about auto insurance that often end up steering motorists in the wrong direction. Even with the internet at our fingertips, it’s not always easy to decipher what is fact and what is fiction. To help you understand the truth behind common myths about car insurance coverage, read on.
Myth: If I don’t drive my car, I don’t need insurance.
Truth: Whether you drive your vehicle every day, every other month, or just store it away for safekeeping without ever driving it, every car needs insurance. Even if your vehicle is officially off the road, having insurance will help protect it from damage such as theft, vandalism, and natural disasters.
Myth: I don’t need to tell my car insurer when I move house.
Truth: Whenever you move house, you should let your insurer know as soon as possible. Different zip codes will have different risk associated with them. For example, if an area has more claims relating to theft and vandalism, your insurance premiums might increase. If you are moving to a safer area with fewer crime-related claims, you could enjoy lower rates.
Myth: If my friend borrows my car, he or she is responsible for any damage they cause.
Truth: Before you let your friend drive your vehicle, ensure they have a solid history of driving. If they cause an accident or damage your vehicle, you may be financially responsible for the claim.
For reliable and affordable auto insurance coverage, contact the professionals at Lou Aggetta Insurance Services.