The Dos and Donts of Auto Accident DUI Insurance
When it comes to auto accident DUI insurance, it’s important to know what to do and what not to do. After all, nobody wants to be left with the intimidating court fees and pricey auto repairs that come with a DUI charge. Here are some helpful Dos and Donts that you should keep in mind when dealing with auto accident DUI insurance.
Do make sure that you’re properly insured. Before you hit the road, be sure that you have the right coverage for your vehicle. Don’t assume that you’re automatically insured just because your vehicle has a license plate. Make sure that your coverage limits matches the value of your vehicle.
Do purchase uninsured/underinsured Motorist coverage. While it may seem like an unnecessary expense at the time, this type of coverage can save you in the long runespecially if the other driver doesn’t have insurance. Don’t skimp on coverage out of the false belief that it will never happen to you.
Do shop around for the best rates before signing up for an insurance policy. Don’t be too quick to accept the insurance company’s first offer. You never know if another provider will be able to give you a better deal.
Do keep an eye on your credit score, as this will affect your rates. Don’t neglect to monitor your credit activity and make sure that any errors are corrected quickly.
Do be mindful of changes in your driving habits. An increase in miles driven or traffic infractions can cause your auto insurance rates to rise. Don’t forget that insurance providers monitor your driving habits and know when you’re up for renewal.
Do use an online comparison tool to quickly compare quotes, and don’t hesitate to ask for discounts. You may be able to save money by bundling multiple policies with the same insurer or by taking a defensive driving course.
Do invest in good safety equipment for your vehicle. Things like anti-lock brakes and air bags could end up saving you in the event of an accident. Don’t skimp on safety equipment for the sake of saving a few bucks.
Now that you know the basics of what to do and what not to do when it comes to auto accident DUI insurance, let’s explore the topic in further depth.
When it comes to comparing rates, don’t be afraid to compare apples to apples. You should also be aware of any surcharges or fees you might incure, such as DUI violations or any other additional necessities, when considering coverage. Determine the type of auto accident insurance you need before submitting a request — liability, comprehensive, collision, uninsured motorist and rental reimbursement.
It is important to understand the differences between liability and comprehensive coverage. Liability coverage pays for the other partys damages and is the most basic type of policy. Comprehensive covers your own vehicle, plus any damages caused by theft and weather or fire-related events. Keep in mind that you must have liability coverage to receive comprehensive coverage.
Do not forget that you can use car rental reimbursement if your vehicle is in the shop for longer than a day. This usually covers the cost of a rental car or other means of transportation while your vehicle is being repaired. Also, gap insurance covers the difference between the cost of a new car and the amount that is still owed on your old car, if totaled.
When considering a DUI insurance policy, one should always take into consideration additional charges for a higher accident risk. If you are a higher risk driver, such as a teenager, you may incur a higher cost for the same coverage. Additional charges may also be incurred for higher deductibles or higher limits of coverage.
Do not forget the importance of reading your policy carefully before signing your policy. It is important to have a good understanding of what is covered and what is not covered. Understand any exclusions or restrictions of the policy that could affect your coverage. Pay attention to the limits of the policy and know what type of claim will be covered. Consult with an attorney and engage in any recommended legal proceedings.
In addition, often times you can take advantage of special discounts. Ask your insurer about any discounts you might be eligible for such as age, safety or defensive driving courses and multiple-car bonds.
It is important to make sure that you do everything right when it comes to Auto Accident DUI insurance. Make sure to do proper research before signing up for a policy. Be mindful of changes in your driving habits and shop around for the best rates. Also, dont forget to invest in good safety equipment for your vehicle and take advantage of any special discounts you may be eligible for. Finally, be sure to read and understand your policy before you sign anything.