Car Insurance Doubts

You're doing great with your car that beat derepente happens, someone hit your car or you hit the car, and now, even though we have insurance, but we always have those doubts do not let us quiet, trying to clarify some of these ditches .

First - If you've been drinking and crashed the car will I use insurance? Yeah if you drank and drove the insurer does not cover your damage, but insurers may not require the use of the breathalyzer, where the police have used the insurer can use the test to deny the payment, but if not evidence of ouver embriagues you can still receive the value of the loss.

Second - My insurance was made in a country town and use the capital, should it ever have an accident they can trigger the insurance cover the loss?Depends on the insurer, found itself in a way his policy of fraud it can not cover it, but if you use the car less than 10% of the time in the capital has a chance to receive the insurance value.

Third - I worked at one location and changed jobs, emu car was stolen at the site of my service, I am entitled to compensation? If only the job and not the overnight car you are entitled to insurance if you have also changed their address and not notified the insurer then you lose the right to compensation.

Fourth - I have an old car, get insurance for it? A lot depends on the insurer, accept some cars hold up to 25 years of use, just look for the right broker.

Fifth - I became involved in an accident but my IPVA this late I am entitled to compensation? Yes it has but the insurer will ask you to pay automobile taxes, it may be that it makes a deduction of its value in the compensation received by you.

Sixth - In case of storm and my car suffered flooding, a tree fall on him or hail I am entitled to compensation? Some insurers give partial compensation, but the client should not cause the accident to leave the house with a storm approaching, face a flood without knowing the dangers in such cases the insurer may deny payment.

Seventh - If someone hit my car I am entitled to a car reservation? Yes but should look at what the policy says, generally the time is seven days, or you may have to discount rent a second car until yours is repaired.

Eighth - Can you insure a car that was cloned and had rescheduled the chassis? Yes you can since the car currently estaje settled in transit organs, but most insurers deny this type of insurance, you must look hard to find one that will provide such service.

Ninth - stole my car and I was still paying the installments of insurance, missing portions can be deducted from the amount of compensation? Yes if the insurance you are entitled to full compensation but the plots will be discounted by it, if the compensation is only partial, this rule does not apply.

Tenth - Sometimes borrow the car for my girlfriend that Naoe is registered in the policy of insurance, if she hit the car have a right to compensation? If you borrow the car again to his girlfriend and she lives with you, yes you are right, but if it can see that she lives with you or that uses the car more than 25% of the time, then you have no right to compensation.