When looking for car insurance, it is essential to be honest with your provider. They will ask you a lot of questions about your driving history and the car you are insuring, but there are some things that you should always declare to them.
This blog post will discuss the top eight things you should declare to your car insurance provider. Being truthful and upfront with them can save you money on your policy, so read this post!
Let’s take a look at these things.
1. You Were Hurt in an Accident
This is probably the most crucial thing to declare to your car insurance provider. If you were hurt in an accident, no matter how big or small, then you must let your insurer know. This way, they can help you with any medical bills or treatment you may need.
2. Your Car Was Stolen
You must file a police report if your car was stolen and then let your insurance company know. They will work with you to get the money you are owed from the value of your car.
3. You Sell Your Car
If you sell your car, then you need to notify your car insurance company so that they can remove the vehicle from your policy. If you don’t, then you could be held liable for any accidents or damages after the sale.
4. You’re Shifting to a New House
If you’re planning to move to a new house, then do remember to inform your car insurance provider about the change in your address. This is important as it might affect the premium you’re paying for your policy.
5. You Change the Parking Area of Your Automobile
Your car insurance company needs to know if you park your car on the street, in a public lot, or an underground garage. Most policies will cover damages if the automobile is in a “protected” area like your home’s garage. You might not be compensated if your vehicle is taken or damaged while parked elsewhere.
6. You Change your Name
If you’ve recently changed your legal name for any reason, then you’ll need to update your car insurance policy. Your insurer will need to know what name is on your driver’s license so they can match it up with their records.
7. Your Yearly Mileage Varies
If you are retired or work from home, then your car insurance rates will be lower than if you commute daily to an office. Make sure to let your provider know if your yearly mileage changes so that they can adjust your rates accordingly.
8. You got Married
Getting married is one of the biggest life changes you can go through. It can also affect your car insurance rate. Many insurers offer discounts for married couples, so tell them if you tied the knot.
The Bottom Line
The best way to avoid problems with your car insurance policy is to be honest and upfront with your provider from the start. Make sure to declare any modifications or changes to your vehicle and any accidents or incidents, no matter how minor they may seem. By doing so, you can be sure that you’re getting the coverage you need and that you won’t be caught off-guard if something happens.