in your policy as an insured driver. (Most insurance companies will have you list all the drivers in your home.) A couple of things to keep in mind — if the other person has a bad driving record or credit score, this will cause your premiums to go up. If this isn’t the case and you really want to be on the same policy, look around to see if you can find an insurance company that allows it. This is something I can help you with.
Does auto insurance cover motorcycles?
No. Motorcycles require separate motorcycle insurance.
If I decide I don’t want to get my car fixed, will the insurance company give me cash? Most likely, yes. The majority of insurance companies give you a cash option. Some of them will give you whatever it would cost to fully fix your car, while others pay an appearance allowance, which covers the loss of value to your vehicle.
What are the most important things to ask my insurance agent?
1. Are my different types of coverage right for me? 2. Are my limits high enough? 3. What will I be responsible for paying out of pocket? 4. What exactly does my policy cover? 5. What doesn’t my policy cover?
I found a cheaper policy with another company. Can I switch?
Probably. You can cancel your policy with most insurance companies at any time. Just be aware that some companies do charge a cancellation fee. If you paid your premium in whole or
71
Powered by FlippingBook