Don’t withhold Accident Info when Shopping for Auto Insurance
When shopping for auto insurance and speaking with prospective companies you may bet tempted to withhold past accident information. While you may be tempted to do this, it would not be in your best interest. There is a very high possibility that the insurance company is going to find that you were hiding this information. In turn, your relationship is not going to get off to a very good start. No matter what benefits you think you can take advantage of, you should never omit accident information. It is best to be upfront and honest when shopping for a new policy.
First things first, you should mention all past accidents that you were involved in. Of course, you will have the chance to tell your side of the story – do not worry. In other words, you can explain if you were at-fault or just a part of an accident that you did not cause. Along with this, you are also required to note any infractions, such as moving violations, which may be on your driving record.
The majority of people who intentionally leave an accident off of their auto insurance application do so because they think it will save them money. While they may be right, it is not worth it because your new company will more than likely find out sooner rather than later. There are times when an accident is simply overlooked. This is usually the case with those that were minor.
If you are caught lying to your new auto insurance company about a past accident they have the right to deny you coverage. Since your chance of getting away with this are slim to none, it is best to be honest upfront and let the insurance company decide which rate to offer you. Also, do not forget about the moral implications. You should feel obligated to play by the same rules as everybody else. If you try to “game” the system it goes without saying that you will feel bad about this well into the future.
Shopping for auto insurance can be a simple process if you are honest with the providers that you speak with. It is important that you provide them with accurate information on your past driving record, including any accidents that you may have been a part of. When you are honest you will end up with a better policy in the end.