Apr 16, 2013

Posted by in Insurance | Comments Off on Mandatory automobile insurance

Mandatory automobile insurance

Although the cover is limited, there is a mandatory requirement that when a driver purchases auto insurance Wichita KS, the cover must contain liability, personal injury protection and uninsured or underinsured motorist. The system operates under “no fault” which simply means, that the insurance must make injury restitution regardless of who may have been at fault.

Liability insurance covers for any damage that the driver of an automobile may be responsible for, the damage can be to a person or a thing, such as a car or any other property. Liability insurance does not provide any cover for the car of the individual who holds the policy nor does it cover any medical expenses of the insured. The insurance of the other driver must be pressed to make restitution.

In the event you are concerned about your car being stolen, taken for a joy ride and then set ablaze, you can get fire and theft cover on top of the basic liability package.

New vehicles and those worth a considerable amount of money will have full comprehensive coverage. This insurance will pay for any repairs needed in the event of an accident; it does not matter who is to blame.

When you have decoded which of the various options you wish to include, this can be just the state mandated cover or extra cover, you need to get quotations from more than one agency. When you are talking to an agent on the phone, attempting to get a quotation on the auto insurance Wichita KS that you want, be very honest. If you leave out information that has an effect on the premium and then you make a claim, you may find your policy invalid due to misrepresentation of your personal data.

The agent or broker will have number of questions that he will ask; the answers that you give will have an impact on the premium he quotes. When the agent asks you questions and you are not exactly sure what they may mean, simply answer the question as you see fit and let the agent be the judge of your answer.

These are things that you need to consider:

* If you have driving convictions that have not been completely rehabilitated then you must disclose them, however, you do not have to mention convictions that have been fully rehabilitated.

* If you have had a conviction for a criminal offense, it must be disclosed, it helps the agent establish the risk factor.

* All previous incidents must be disclosed. Even though you are shopping for auto insurance in Wichita KS, you must disclose any incident, not just accidents. An incident can be theft, fire, vandalism, etc.

* Make and model must be precise; a simple slip up like misrepresenting the car to be an “L” rather than an “XL” can make a difference on the premium.

If you have made any extensive modifications to the car that may have an impact on its desirability, you had best disclose this as well.

 

When you are shopping for auto insurance in Wichita KS, call Andy Woodward Insurance Agency. The agency has been providing auto, home, life and business insurance since 1989.

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