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There are several people who say that their fear of the car insurance companies over smaller car damage, because they are afraid of inadvertently increase. According to Insurance Information Institute, if no other person is connected, you may be trying To remain silent about a minor accident. This leads to the question of why an insurance policy if you do not use it? This is not entirely without reason.

The reason is the assumption of petrified people who assume that there will be a premium increase. It is a misconception, doing the rounds that the submission of an insurance case is bad. In this case people do not want to remember that insurance is there to protect them and it makes sense to exercise their rights to use in such situations. What happens to your claim depends on who is to blame. Be warned that if it is your fault, prices could move up and you can lose, lose the whole cover.

Here are some basic things you need to know, for both before and after the notification of a claim.

1. Get explanations of sanctions even before the purchase of insurance

It is best to check in your company renewal guidelines before purchasing the car insurance. It is ideal for those awkward questions in advance if you are shopping for a policy, the way there are no surprises.

Moreover, reading reviews of "Consumer Reports" help out, like other insurers rate on customer satisfaction standards. This helps to recognize that the insurance companies to renew before they purchase car insurance.

2. A minor accident may not lead to the abandonment of a policy

A large majority of people are able to renew their policies, without any problems and if there are any, which is likely to be omitted due to higher demands, them.Each on the case is different, which means that it is wrong to generalize, but it is unlikely that your coverage will be closed due to the first AT-fault accident. Although there is no such rule, insurance companies wait until a driver has two accidents error in three years, with damages running more than 1000 U.S. dollar, before closing to preserve. Again, there are settings that companies, if you are in a standard category, with higher rates you may be even more indulgence.

The tier system is a kind of evaluation that the insurance companies use to ensure the likelihood that a driver is in an accident, based on large statistics for a specific category group. Drivers are in stages on the basis of factors like the years of experience, past three years "accident of history and the nature of the car from them.

However, the animal system is not the car insurance company to wait for three years or a series of accidents, the repeal of the coverages. Be warned that even a single claim could lead to the lifting of reporting. If alcohol is involved, make it obvious that you have no chance. A number of tickets is another option for non-renewed, even after an accident.

3. If you have errors, prices may increase

Insurance does not immediately fall when you are on the drivers fault, but they expect to see you increase your premium, but at the next renewal.

But what if you have to make a claim if a total no-claims bonus? In such cases like this you can use the no-claims bonus you have for each claim free years to accumulate for up to 5 years in general. This can be considered as a kind of give and take strategy. "If you years without a claim, you will receive a discount, and if you say that we cut your discount. "" So it is a simple case of the claims, the more are the increases in prices.

4. Is there no other considerations

Insurance Type reward your loyalty by creating a policy with the various policy options for different customers, the number of years with the same insurance company will not be discarded. The company may decide to further reward in the form of "freebies" such as no loss of coverage, no premium increase, etc. All these things are back on the number of claim-free years.

Alevoor Rajagopal, MBA, a business consultant who votes for a fair trial in car insurance deals. He is a health consultant and writes on health care issues.