Top 10 Car Insurance Myths Debunked

Car insurance is such a colossal and infrequently discouraging topic, it inevitably develops many myths around it. These myths don’t simply produce a wrong impression of insurance in your head, they will conjointly find yourself inflicting you to pay a lot of. So, scan on to search out some vital myths regarding insurance and also the truths behind them:

Myth 1: colors aside from white or black price a lot to insure

Truth: This may have been the case in the past, but in this day and age it is not true. Insurance companies do not charge you extra for insuring a car which is red. The insurance premium is affected by a lot of factors and the car's color is not one of them.

Myth 2: Comprehensive insurance doesn't cowl injury caused by acts of god

Truth: An act of God is a natural calamity you have no control upon, such as an earthquake. Realizing that you have no control over nature, the insurer covers damage done by such calamities under the comprehensive insurance policy.

Myth 3: Your car's insurance is adequate to the worth you purchased it

Truth: No. Your car's insurance worth can solely be adequate to the worth you purchased it if you'll pay the next premium for it. By default, your automobile is insured for a lesser quantity than you paid to buy it.

Myth 4: insurance company does not need to be told regarding vehicle modifications

Truth: If you select to switch your vehicle and need the insurance {underwriter|underwriter|nondepository financial institution} to hide the modifications under insurance, you have to inform the company about the same. Otherwise, your insurance can stand void and you will not be able to create a claim just in case your automobile gets broken.

Myth 5: Insurance covers the vehicle's use for business purposes

Truth: Insurance covers the use of a vehicle for personal use unless one opts specifically for commercial vehicle insurance. In the case of a commercial user, the cost is also expected to be higher than that of a personal user.

Myth 6: Personal injury cowl may be claimed if somebody else is driving your automobile

Truth: Since the policy is in your name, the personal damage cover will be in your name too. In such a case, any injury inflicted on you in an accident will be covered by the personal damage cover of your car's insurance but not if the damage has been inflicted on another person.

Myth 7: Insurance price goes up if one opts for the next variant of an automobile

Truth: A higher variant of a car brings with it additional goodies such as anti-theft systems (think of central locking and engine immobilizer). These features help you in availing discounts on insurance premiums. So, there's no impact on the car's insurance price supported the variant one buys.

Myth 8: One has to pay for repairs from his pocket even if the car is insured

Truth: This is partially true. In case you've got zero depreciation insurance, you won’t have to pay even a single penny for repairs. However, just in case of standard comprehensive insurance, you will have to pay the entire cost of repairs and the insurer will reimburse its part of the total cost to you.

Myth 9: solely AN insured automobile may be driven on public roads

Truth: This one is partially true, too. As per the Indian law, you need to have third-party insurance if you want to drive your car on public roads. However, we advise you to insure your car as well so that if it gets damaged, it can be repaired without you having to shell out a bomb.

Myth 10: recent insurance may be transferred to a replacement automobile

Truth: If you are buying a new car, you can get the no claim bonus transferred from the old car to the new one. In essence, if you have not claimed insurance in the previous year in your old car, you can avail of a discount on the insurance you buy for your new car. However, the insurance of the recent automobile is going to be transferred to its new owner and to not you.

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