What to Do If Your Car Insurance Claim Is Denied in Oakland,' is a report written by Charles D. Smith Jr., for the California Office of Auto Insurance, to help owners of the state's vehicles get the right advice in this regard. 'If you've been driving with no insurance and getting a fine every time you make a claim, you're doing something wrong,' he says. In this article, we'll look at a few examples of situations where a car insurance claim could be denied.
Wherever you live, you must have car insurance in California. This is the law, so don't try to fight it. If you have a violation on your driving record, don't get a new one. You can't be driving around with an infraction on your record, and that's what will get you in trouble with the authorities.
Your vehicle is the first and only thing that you should drive. By not protecting it from scratches, dents, and the like, you could be making a big mistake.
A car loan officer might want to question why you are shopping for another loan. You might also be asked to show proof of your clean driving record. If they think you've been moving around a lot in your vehicle, they may ask you to leave your new car behind until your driving record is cleared up.
When looking for car insurance in California, keep your miles on the clock. Your policy will reflect this fact. The more miles you drive, the more your premiums will go up. Remember that you don't have to pay off your policy in full every month, but that the more you drive, the higher your premium.
Many people make this one of the most common excuse, but if you really want to cut down on your cost, avoid having children. The fewer miles you drive per year, the lower your premium will be.
While driving, if you come across an accident, you must report the accident immediately. This is the law in California. If you don't, you can be sued by the other driver. If you don't take care of your insurance paperwork, and it's your fault, you could find yourself in a lot of trouble.
Write down any and all numbers you come across while driving. These can be used later on to file a claim if you were involved in an accident. Besides, if you don't have the number of the other driver, you can't make a claim.
Keep your Vehicle Identification Number (VIN) safe. After each accident, take a pen and make sure the VIN is intact. You'll need it when you have to go to court, as well as when reporting the incident to the authorities.
If you're driving without insurance, you may want to consider learning how to drive without insurance. You can do this in two ways: you can drive without insurance (or an 'infringement' policy), or you can learn to drive without a license.
As you're learning how to drive without car insurance, don't start driving around with your plates dangling in your pocket. You'll only risk a fine and possibly even get arrested for drunken driving. There are plenty of places in California where you can learn how to drive without plates.
If you're worried about what to do if your car insurance claim is denied, don't worry. It can happen to anyone. Just make sure you keep on top of your car insurance and your driving records and you'll be all right.