10 Questions to Ask Your Insurance Agent
(Before
buying a new insurance policy or renewing your old one)
- If
I have an accident, will I be able to obtain repairs
at the shop of my choice and have the bill paid in full
(less my deductible)?
Or will the insurance company try to direct me
to a cut-rate shop or one of their "preferred" shops?
(Preferred by price and not because of quality, service,
or guarantee).
I am buying
insurance to protect my investment, not jeopardize
it, right?
- Will the insurance that you are selling me pay to repair
my vehicle with genuine original equipment parts
(OEM) or will you
want to use
aftermarket, generic, un-crash-tested parts that
may be inferior in quality, fit, and safety?
- Will the insurance company depreciate repairs to my car
based on the year of the car or mileage? If
so, by how much and what
parts are subject to depreciation?
- If depreciation is a factor, do I get a reduced rate for
insurance as my car gets older? How much?
- If I have an accident will my rates go up? How much?
Why?
- Will
my insurance rates increase when I reach a certain age? Many
senior citizens are afraid
to turn in an insurance claim
and then
end up paying for the repairs themselves.
They are afraid that their insurance company
- What
will the insurance company pay me if my vehicle is a total
loss? How
is that figure determined?
- Do I have coverage for a rental vehicle if my vehicle
is in the repair shop? (This coverage
is usually inexpensive to buy
and you
may have to ask specifically if you
want to add this coverage.) Do I have enough rental coverage
to get a vehicle comparable
to my own,
and will it cover all the days my
car is in the shop?
- How much money do I really save
on my premium each year with a
higher deductible? (Your savings may not
be as much
as you
think.)
- Is the price that you are quoting
me a firm figure, or will there
be additional (hidden) costs during
the term of
this policy?
Don't be afraid to ask questions.
It's important that you know what
you are buying before you write out
your check.We
Care About You and Your Car!
Questions To Ask The Body Shop Your Insurance Company Recommends
Before Having Your Vehicle Repaired
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