Will You Have To Undergo A Car Inspection When Getting Car Insurance?
Insurance companies offering car insurance quotes usually ask for little information about the vehicle that has to be insured such as the type of vehicle, model name, year of manufacture, make, the total mileage and the condition of the vehicle. The other way is to analyse using the VIN number. Every vehicle has a unique VIN number of its own and If the vehicle’s VIN number is supplied ,the actual quote given will be more tailor made, based on its previous Insurance history, the car’s condition and the number, type of accidents so far the vehicle has encountered.
While you may think your car is in excellent condition, it may be only in average condition. And if you are planning on buying a car insurance policy that insures the car for far more than it is worth, you are only hurting yourself financially by throwing money away on expensive yearly policy premiums.
Often the Insurance Company may insist on Inspection, just to know the overall condition of the vehicle alone and if they find the actual condition of the vehicle is poorer than what it is claimed, it may affect the actual car insurance coverage. Mechanical faults, improper maintenance such as rust or faded paint, poor condition of seats all make your vehicle go down its ladder for maximum coverage. Moreover it will also let you down when it comes to the blue book, as it mainly depends on the perfect condition of the car which may inadvertently make you to lose a fair amount of money, slashing your pocket with few thousands of dollars. In case of accidents, where the actual damage done to the car is summed up and in the event of blue book claim, the total value is paid to you only after the insurance company analyses the perfect numbers to be paid.
Since the insurance company is interested in protecting its interests, they may require you to have your car inspected just to get an overall assessment of the total value of your car. If your car is in excellent condition, they then can match it up with the appropriate blue book value and write you the appropriate policy. However, if you have a leaking radiator, a slipping transmission, or leather seats that have rips and tears in them, the insurance company will most likely downgrade the value of your car and find the appropriate blue book value.
Providing true statement about the amount of damage that the vehicle has encountered, which was not previously claimed is always helpful, as honesty might save you from paying fines or from a serious conviction against Insurance frauds. In case of Inspections by the Insurance companies, if at all they do occur, being honest and then requesting a quote will make more sense, than showing a missing fender which might categorize you under fraudulent activities. This might affect you from renewing your Insurance coverage and might also lead to refusals of quote from Insurance companies in the future. Honesty is the Best policy and Honesty is best for getting policies too!
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