I am about to renew my Car Insurance Policy here in Washington and I just had a little accident a couple of months ago. Will my car insurers check my record or since it is renewal they wouldn’t check? And what could be the possible thing that can happen to my policy?

Jim

Tacoma, WA

There are many things that one can be classified as a high-risk driver here in Washington just like when you own a speedy car then you are also considered as a high-risk driver for one can actually have the biggest possibility that you might have an accident. Car Insurance Companies are not complacent in checking your driving record.

If you are for the renewal of your car insurance policy, your insurers will check every detail of your driving history before they allow you to renew your policy or reviewing your policy. If for example you insurers are a too strict regarding with traffic tickets, car crashes or poor credit then you might want to shop for another Car Insurance. Not all Car Insurance Companies are tough with these problems though you might know by now that it isn’t cheap to avail as a high-risk driver. Car Insurance Company might give you a policy but then it is more expensive than the usual for you have the biggest possibility that you might take risk on the road again. Car Insurance Companies is just trying to protect you as well as their interest that’s why they are offering you a bigger coverage.

We have three cars at home and only my car is insured, my wife’s and son’s cars are not insured. My wife keep telling me that her car should also be insured together with my son’s car, she says it’s really important to get it insured. Why should one’s car get insured here in Washington?

Todd

Everett, WA

Washington requires all the cars on the road should be insured before getting it on the road. If you have escaped yourself from this requirement, you will not be able to escape yourself from a huge disaster when you got yourself in an accident. Car Insurance is just like having a savings account that you can get in case of emergencies on the road.

Car insurance is just as important as the homeowner’s insurance for with a Car Insurance with you on the road, it will help you survive, not from death or physical injury but at least you will be saved from financial problems in case you got yourself in an accident. Car Insurance doesn’t only cover you in case of accident but also the other party. Car insurance is not supposed to be expensive for the state has set a minimum requirement but this might not be able to get everything covered if you had a major accident. Just imagine yourself getting a car accident which is your fault and the other party is not insured, though it is breaking the law if you don’t get yourself insured, you still need to have both of your mishaps covered. This is how car insurance protects you, not only you but also the other party that makes it really important.

Is it gonna be automatic that I would have a rate increase on my car insurance if I’d be in an accident caused by DUI or drunk driving here in Vancouver, Washington?

Herbert

Vancouver, WA

No, it’s not gonna be automatic that you would have a rate increase on your car insurance in case you cause an accident in Vancouver, Washington. Some car insurance companies, believe it or not, give their customers a one-time “get out of jail free” pass. So in case you make a claim on your first at-fault accident because of drunk driving, you may not see any increase on your car insurance premium at the renewal time. But this kind of practice, sometimes known as forgiveness, is not industry-wide so consider yourself lucky if your car insurance company holds your rate steady after a drunk driving accident.

Car insurance companies that forgive those first-time accidents often require that you fit a certain profile so that you will not have a rate increase on your car insurance premiums. If you are shopping for car insurance, it would be a good idea to ask an independent agent or an insurance company if they offer first-time accident forgiveness. It could save you 20% or more on your car insurance over the long haul.