What questions do car insurers ask?

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In a nutshell...
  • Car insurance companies ask questions to determine the cost of premiums
  • All questions need to be answered honestly and to the best of your knowledge
  • Additional questions will be asked if you file a claim

Insurers have to ask a lot of questions. These questions allow them to identify risk as it pertains to you. The higher their risk is for insuring you, the higher your premiums will be.

It’s up to you to answer all questions accurately so you get a premium that reflects what’s going on with your driving history, car, and other factors.

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Common Questions When Calculating Insurance

Car insurers need to ask a variety of questions when it comes to calculating the cost of insurance.

– What is your zip code?

The zip code needs to be identified in order to tell the insurance company where you live.

This information will identify the state to ensure that you meet state minimums for coverage. It will also allow the insurance company to determine the level of risk you face of getting into an accident every day based on traffic patterns and the number of accidents reported.

– What kind of car do you drive?

The car you drive will be used to determine the cost of insurance. Some of the factors that the insurance companies will look at in order to calculate the premium include:

  • Safety features
  • Make and model
  • Value

– What is your driver’s license number?

Your driver’s license number is requested in order to view your driving history. This history includes past accidents as well as traffic violations, such as speeding and running through red lights.

– Are you male or female?

Gender will play a role in the cost of insurance as well. Many insurance companies have identified that males are more likely to be involved in an accident than females.

You could pay more or less for car insurance based on your gender.

Since insurance companies look at various factors differently when calculating premiums, it’s up to you to get quotes from multiple companies.

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Top Questions Asked When Filing a Claim

When you have experienced a crash, a collision, or a non-driving related incident, you need to call the car insurer and file a claim. The insurance company will need a lot of information from you.

The questions they ask will help them to determine how best to assist you and where to route your call so that your claim is handled promptly.

  • When did the accident happen?  The insurance company needs to know the date of the accident as well as the estimated time. The more accurate you are, the better it will be.
  • What happened?  You need to identify what happened as well as how it happened. Insurance companies will often record a statement from you that will be attached to the case.
  • Was anyone hurt?  Injuries need to be reported. This reporting includes those inside your car as well as anyone else, such as pedestrians or people inside of another car.
  • Is there a police report?  Whether there was a crash, an act of vandalism, or anything else, you should call the police. If another party was involved, there will be an exchange of information. The police report will have a number and this will be given to the insurance company.

What happens if questions are answered incorrectly?

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There might be times when you answer questions incorrectly. Hopefully, it is an accident, otherwise, it falls into the category of insurance fraud.

Insurance companies need you to be honest with your answers to calculate insurance premiums and determine what might have happened in an accident. Failure to provide accurate answers could impact the cost of coverage and more.

If you don’t provide the proper details about your car when getting a quote, for example, the insurance company could miscalculate your premium. Once you go to set up the rest of the policy, they could get the correct information.

This information might increase the cost of coverage, making it more expensive than you initially thought.

In other instances, failure to give the correct information could null and void your insurance policy. If you falsify your driving history, your address, or anything else, an insurance company could void your policy.

This voided policy would mean you don’t have the coverage you think you do. If you need to show proof of insurance or file a claim, this could result in fines as well as insufficient financial coverage.

Car insurers are going to ask a lot of questions. You have to answer them all in order to get everything set up properly. You want to get accurate quotes. You also want to make sure that claims are handled quickly and efficiently.

If at any time you don’t know how to answer a question, ask for clarity or go in search of the answers before you provide an uncertain answer.

Enter your zip code below to compare car insurance quotes and find the insurance company that’s right for you.

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