Should I Tell Accident History in Auto Insurance Application?
Reader’s Question:
I got involved in a car accident two months ago while driving my parent’s vehicle and got totaled. I am now purchasing a new vehicle and would like to get car insurance in Bloomington, Minnesota. The car insurance company is asking if I have been in an accident for the past five years. Should I say since the car insurance claim in the accident was not under my policy?
Ben
Bloomington, MN
Since the car insurance claims record in the accident was under your parent’s auto insurance, it would be your driving history under your name that would list the accident since you were the operator of the car.
When applying or renewing information for car insurance policy +you need to provide accurate information. So when applying for auto insurance and you are asked if you have been involved in an accident in the past five years you need to tell them the truth.
If you leave off information on your car insurance application for you to get lower car insurance rates, most states will find this to be a form of fraud. Therefore if you provide incorrect information the insurance carrier’s car insurance quote for you will not be accurate.
Does Liability Insurance Cover Totaled Car?
Reader’s Question:
I lost control in the snow and hit the tree. The vehicle was totaled. I only have the minimum liability coverage in Buffalo, New York and I would like to know if my auto insurance will cover anything for the accident? I do not have the full coverage since I am paid off with the car.
George
Buffalo, NY
If you only have minimum liability required car insurance in Buffalo, New York then I do not think, this would cover damages to your own car.
If you were injured in the accident when your car collided with the tree you will be able to make a car insurance claim against your personal injury protection coverages. However, you do not have coverage for your car without having the extra physical damage coverages of comprehensive and collision.
In your case where you lost control of the car in the snow and hit the tree you need collision coverage in order to make a car insurance claim for the damages to your vehicle. This is the reason why it is essential to keep physical damage on your vehicle, this means state required liability coverages plus comprehensive and collision, even if you have paid off your financial company or paid for your vehicle in full when you bought it. Without collision and comprehensive if you are in an accident where you are at fault you will have to pay for fixing the car out of your own pocket or be out of a vehicle if the automobile is a total loss and cannot be fixed.
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