Full name: mercadobrowning47

 Location: Fort Mitchell, South Dakota, United States

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 Website: https://handberghandberg08.mystrikingly.com/blog/after-spending-a-long-time-in-the-insurance-industr

 User Description: After spending many years in the insurance industry we have come up with a top 10 10 set of most misunderstood things about auto insurance. These car insurance myths are some of the most typical questions that most people have about direct car insurance either buying or reviewing their automobile insurance coverage. Its better to find out now before you've got a claim and it's too late.I just got my 1st speeding ticket my insurance rates are likely to go way up.Reality: If that is your first ticket your rates probably won't even change. Most direct auto insurance providers will provide you with a pass unless you have any tickets or claims previously 3 to 5 5 years with regards to the company.That new Plasma TV I bought this past year won't affect my Car InsuranceReality: If you didn't pay the credit card you charged it on then it might just. Almost all insurance companies now use some form of credit scoring when determining not merely if you will qualify for insurance, but also what you will pay. There can easily be 50% difference in rates for a person with excellent credit to someone with woeful credit.I simply slammed my car door into my lawnmower parked in my own garage, my homeowners policy will cover itReality: Your homeowner's coverage has nothing to do with covering your car. The only way your car will be covered is when you have Comprehensive (Comp) coverage for the car. And then only after you pay you deductible.I just cracked up my friends car and I tell him don't worry my insurance covers itReality: It'll but only after friends and family policy pays first. So let's say your friend includes a $500 collision deductible and you also have a $250 deductible. car-jpn 'll have to give your friend the $500 for his deductible as his insurance provider is Primary. Meaning your insurance will only pay after his policy limits are exhausted. So just remember in this scenario your deductible does not matter its likely to be based on friends and family. If you are riding your bicycle and obtain hit by a car your vehicle insurance won't get involvedReality: In the event that you get hurt or killed while riding your bike as well as walking outside you maybe surprised to understand that you may be covered by your direct car insurance. If the person driving the automobile didn't have any insurance or not enough insurance to cover your injuries, your Uninsured or Underinsured coverage would pay for your claim. Someone just broke into my car and stole all of my personal belongings out of it i.e. Cd's, Cell phone, Christmas Presents, my car insurance will pay for it.Reality: Your car insurance does not cover your personal belongings left in the car. You are likely to need to file a claim with your Homeowners or Renters insurance coverage to be compensated for these items. The general guideline is your car insurance will only pay for items that are mounted on the vehicle I am going to be charged more for my AUTO INSURANCE because my car is red, blue, black, pink...Reality: The color of one's car has absolutely nothing to do with your rates. If you want red purchase a red car, if you like black buy a black car. Don't ever let this silly nonsense stop you from investing in a car.