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10 Auto Insurance Myths You Should Know About
By James M Taylor
The truth about fallacies of many car owners believing that the insurance premium coverage for
their new car is covered, and maybe the truth just might make you change course. (1) "No-fault
insurance means, is it not my fault?" That means that your insurance company pays for your damages
regardless of who's at fault. No they don’t!
(2) "Can the color of my car affect my insurance rate?" No! What do influence your rate are your
vehicle's year, make, model, body type, engine size, credit history and driving record.
(3)"If I lend my car to a friend and that friend is in an accident, his or her insurance company will pay
for the damages…right?" Wrong!
Your car is your responsibility! And guess what, even though you weren't present at the time of the
accident, you still will receive a mark on your insurance record and your insurance premium could
possibly go up.
(4) "Is my insurance rate is set by the government?" No! The government has nothing to do with your
car insurance rate. Where you live, your credit score, marital status and your driving record is what
actually affects your premium.
(5) "I recently paid my insurance premium. Is my new car I just purchased is covered?"
Not necessarily. Most automobile policies require that the policyholder notify the insurance company or
agent within a specified number of days, if indeed coverage is desired for the newly purchased vehicle.
(6) "Is it a fact that male driver under the age