The majority of states in the United States require that all citizens have auto insurance. Your proof of insurance is required as part of vehicle registration. Otherwise, your vehicle will not be registered. It’s also a way to prove financial responsibility for your vehicle. It is important to remember that accidents can happen even to defensive drivers. Auto insurance also protects the insured against financial loss in the event of road accidents.
Auto insurance has become a requirement. It is important that consumers are aware of their rights and responsibilities. Understanding your rights will help you get the most out of your policy. Knowing your responsibilities can also help you keep your policy in good standing. Here’s the official list of your rights as an individual insured.
1. You can purchase car insurance coverage.
2. Any auto insurance company has the right to treat you fairly and justly.
3. You have the right to request a written explanation if you are denied coverage.
4. You can request a payment plan from your insurance company, such as monthly payments.
5. Your auto insurance is your right, provided you can pay within 30 days of an NFS.
6. If you are able to pay your premiums on time and follow the rules, you can keep your policy.
7. If your insurance company decides not to renew your policy, you can request information in writing.
8. You can remain with the insurance company even if they no longer sell insurance through you as a broker.
9. You can end your insurance coverage at anytime.
10. You have the right of information about the brokerage that provided the quotes.
11. You have the right of fair and prompt handling of your claims.
12. You have the right to get your vehicle repaired if it is damaged.
13. You have the right to choose between a towing company, a vehicle rental company and a repair shop for vehicle pickups.
14. In the event that an insurance company denies you a claim, you have the right to dispute.
15. You have the right of information about the benefits that you could get from an accident.
16. You can send a complaint directly to your insurance company.
After knowing your rights, it’s best to understand your responsibilities as a policy holder. Here are your responsibilities as policy holder.
1. Auto insurance is mandatory. You should show proof of your insurance when you drive.
2. It is important to pay your periodic payments on-time.
3. If you have any questions or concerns about your coverage, inform your insurance company immediately. An accident is required for insurance.
4. You should give your insurance company the updated information they request.
5. Your insurance company must receive accurate, timely, and truthful information. You also need to complete the forms promptly.
6. If you have accident claims, it is important to send your insurance company an accident package.
7. If you are applying for accident benefits, it is important that you undergo reasonable medical examinations.
8. After you receive accident benefits, you need to join rehabilitation and treatment programs in order to get back on your feet as quickly as possible.
