What Your Auto Insurer Knows About You
The insurance company will be able to pay you when you get into an accident, and you had insured your vehicle with them. The type of policy that you take for your car will determine if an insurance company will pay you. The insurer will want to know things about you before signing a contract to cover your vehicle. The following are the things that your insurer knows about you.
Your driving record will be known by an insurer when you insure your car. Your driving record will be able to show all the places that you have had a driving license. The insurance company will also be in apposition to determine all the driving mistakes that you have done in the past. The insurance company will be able to know all the crashes that you have caused even the once that you were not told about.
Your driving license status will be known by the insurance company. The insurance company will be able to tell if you possess a valid driving license or not. The record will also be able to tell if your driving license has ever been revoked or suspended together with the reason that caused your license to be suspended. In some states, your driving license may be revoked if you fail to pay your child support because it means that you can be in a position not to pay for premiums in time.
Your claim history will be known by the insurance company. A comprehensive cover will include a tree falling on the vehicle, someone scratching it or even windshield crack from flying rock. A report that the insurance company will get will tell all your claim history even those that you have made with other insurance companies before. This may mean that you will be required to pay a higher rate, higher deductibles and even the insurance company may refuse to give you a cover for your vehicle.
Your credit history will be known by the insurance company when you choose to take an insurance cover for your vehicle. They will be in a position to tell how you have been handling credits which will help them to know if you will be able to pay the premium amount that you have signed a contract to be paying. The credit report will list many negative events about you which intern will mean that your credit, as well as an insurance score, will be affected negatively. In conclusion, the above points show the things that an insurance company knows about you.