There may a lot of information noise about vehicle insurance policies, insurers and cover. Everyone feels entitled to talk about the subject regardless of their expertise or knowledge. However, you should be able to quickly understand if someone is talking rubbish or knows something and just sharing with you. If you have been arranging coverage for some time you should know enough to understand and judge what is likely to be true.
Generally, it is not hard to understand policy documents, wordings and implications. However, these are still contractual agreements and it is not based on what you understood it meant. It has its own terminology and logic to follow that you should not assume to understand. There is no shame in not knowing something. We cannot be experts in everything after all.
Therefore, you should go direct to the source if you want to find out about it. You can call your insurer or agent anytime you want these days. Many larger companies provide 24 hour phone services to their customers. They are there to answer your questions. Call them and find out what is the exact position.
This will give you the opportunity to make amendments not only to your knowledge base but also to your policy. When you are talking to them and realize that you don’t have the coverage you thought you have you can do something about it. You can get a quote and find out how much it is going to cost you to add new coverage.
This could work the opposite way as well. You may realize that you really don’t need a particular addition to your policy. You can get them cancel it and issue you a refund. So, it is good to have an inquiring mind and go after the correct information from the actual source. Nobody will laugh at you or tell you off for asking silly questions. But they are not generally silly questions and these people are used to dealing with all sorts of inquiries.
Another great source of car insurance information is independent brokers. They don’t just provide information but they offer help and advise. You can ask them about companies, how they are in handling claims and would they be a good outfit to be insured. Brokers are educated on the subject they are dealing with and furthermore they have tons of experience dealing with various vehicle insurers.
For example, you can call your broker after a fender bender and discuss your options. He can tell you if the company is going to pay for the damages and calculate how much you will receive after the deductibles. This information remains between you and him/her if you prefer it to be that way. Otherwise they can communicate with the insurer on your behalf.
The internet is a good source of information as well in many different topics. But you need to research on it just like finding the right book in the library. Not every piece of details are accurate and you cannot rely on every source.