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Features That an Auto Insurer Knows About You
The insurance company will have to pay you when there is damage to your vehicle and also any injury that may come to you due to an accident from the operation of a certain vehicle. The money to be paid will depend on the type of policy that you had taken with an insurance company. The insurer will want to know things about you before signing a contract to cover your vehicle. The following are the things that your insurer knows about you.
Your driving record will be known by an insurer when you insure your car. Your driving record will be able to show all the places that you have had a driving license. The insurance company will also be in apposition to determine all the driving mistakes that you have done in the past. The insurance company will be able to know all the crashes that you have caused even the once that you were not told about.
The second thing that the insurance company will be able to know about you is the status of the license that you have. Whether your driving license is valid or not your insurer will be able to know. The record will also be able to tell if your driving license has ever been revoked or suspended together with the reason that caused your license to be suspended. The insurer will also be in a position to know if you have been paying your child support or not.
Your claim history will be known by the insurance company. When you have a comprehensive cover your vehicle will be covered for all the damages that may occur to it including a crack of the windshield from flying rock. If you have a long claim history it may scare away auto insurers. This may mean that you will be required to pay a higher rate, higher deductibles and even the insurance company may refuse to give you a cover for your vehicle.
The insurer will also be able to know about your credit history when you take an insurance cover from them. They will be in a position to tell how you have been handling credits which will help them to know if you will be able to pay the premium amount that you have signed a contract to be paying. The credit report will list many negative events about you which intern will mean that your credit, as well as an insurance score, will be affected negatively. The above points tell the things that an insurance company will be able to know about you when you are taking an insurance cover for your vehicle.
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