Car Insurance: Consumers' Rights and Responsibilities


Most of the states in the United States require their citizens to have auto insurance if they own a car. In fact, part of the vehicle registration process is to show your proof of insurance otherwise there's no way your vehicle gets registered. Apart from that, it's also one way to show financial responsibility over your vehicle. Note that accidents are inevitable and could come even to defensive drivers. Also, auto insurance protects an insured individual financially in case road accidents happen.
Car Insurance
Car Insurance

Since auto insurance is nowadays established as a necessity, it is wise for a consumer to know his rights and responsibilities as an insured individual. Knowing your rights can make you get the best out of your policy while having knowledge about your responsibilities and keeping it can help you continue to enjoy your rights and the security benefits as policy holder.

 To know your rights as an insured individual, here's the unofficial list:


1. You have the right to buy car insurance coverage.
2. You have the right to receive fair and just treatment from any auto insurance company.
3. If ever you are denied of buying coverage, you have the right to receive a written reason regarding the rejection.
4. You have the right to request a payment plan, like periodic monthly payments, from your insurance company.
5. You have the right to keep your auto insurance granting that you were able to pay within 30 days following an NFS situation.
6. You have the right to keep your policy if you were able to pay your premiums and comply with the responsibilities.
7. In case your policy will not be renewed by the insurance company, you have the right to be informed in writing.
8. Even if the insurance company doesn't sell insurance through your broker anymore, you have the right to remain in the insurance company.
9. You have the right to terminate your insurance coverage at any time.
10. You have the right to be informed about which insurance company the broker got his quotes.
11. You have the right to a prompt and fair handling of claims.
12. If your vehicle is damaged, you have the right to have it repaired if the cause is reasonable.
13. In case of vehicle pickups, you have the right to choose the towing company, vehicle Rental Company, and repair shop.
14. You have the right of dispute in case an insurance company denies your claim.
15. You have the right to be informed about the benefits you can get in an accident.
16. You have the right to send a complaint to your insurance company.

So, after knowing your rights, it is best to know what your responsibilities are as a policy holder. Here's a list of your responsibilities as a policy holder:


1. Getting auto insurance for your vehicle is a must and you should bring your proof of insurance while driving.
2. You should pay your periodic payments on time.
3. You must inform your insurance company as soon as possible if there is any changes in your situation that could affect your policy. For insurance, an accident.
4. If your insurance company requests for updated information, you should provide them with the data that they need.
5. You must give honest, accurate, and timely information to your insurance company and fill out the forms punctually.
6. You should send the insurance company a completed accident package on time if you are making accident claims.
7. You should submit yourself to medical examinations that are reasonable if you are claiming accident benefits.
8. After receiving accident benefits, you must join in rehabilitation and treatment programs and get back to work as soon as possible.

These things are just a few of the vast information that you should know about your rights and responsibilities as a policy holder. These points could be too general. However, you can try looking into the policies and laws about insurance in your own state since it may vary from state to state. But, if you think that you are knowledgeable enough, you can try visit this website and look for auto insurance quotes: