As a driver you must be aware that anything can happen on the road.
However, when the unexpected happens, automobile
insurance protects you. Automobile insurance comes to your rescue,
in case you have met with an accident, or your car is stolen or
vandalized. Thus, automobile insurance provides you with security
and protects you from serious financial losses that may result from
such accidents. However there are many auto insurance companies
that may cheat you. If you are not vigilant then you may be duped.
are a few tips how you can avoid becoming a victim of fraud:
Plan in advance: Plan from before what type of coverage you want.
Decide what you can afford to pay as deductibles. Only after you
have made these decisions should you move towards a policy purchase.
Make a comparison: Make an automobile insurance comparison of multiple
companies. When you will compare their quotes you will automatically
get to know which one is more affordable. After the rate comparison,
you can immediately narrow down the choices that you have. This
way no one can dupe you into buying a policy where you have to pay
3. Never pay cash: Try and pay all your premiums via checks and
not cash. This will ensure that you have proof of all the payments
that you made.
4. Investigate about the company: You must investigate the whereabouts
of the insurance company and the agent. If you are buying the policy
from an unlicensed agent, then you must know that you are not very
protected. To verify an agent's license number call your state insurance
commissioner’s office. Do not share any personal information unless
you are through with your investigation.
Take a second opinion: To make sure that you are getting the coverage
that you selected, review the coverage thoroughly. Get a second
opinion if required but make sure that you get what you asked for.
Do not entertain unsolicited offers: If you get calls from any stranger
after an automobile accident, who offers to give you “quick cash”,
do not fall for the trap. There are high chances that he or she
is trying to cheat you.
Check all the associated bills: You must check and ask for all the
bills related to services associated with your automobile insurance
policy. If required double check to see that you have actually received
all the services that have been listed.