What questions do insurers ask?

• What is your ZIP code?
• What car will you be insuring?
• What is the primary use of your vehicle?
• How many miles do you drive each year?
• Does your car have an anti-theft device?
• Who owns the car?
• What is your license status?

• How long is my quote valid for?
• How long will my policy last?
• How much can I save by comparing?
• How many providers do you compare?
• Why do I need to give you my phone number?
• Why do you need to know my address?
• Why do you need to know if I smoke?

1. Do not comment on your injuries. ...
2. Only answer the questions asked. ...
3. Do not agree to have your statement recorded.
4. Stick to the facts. ...
5. Write down the adjuster's name and information.

How should I prepare for an insurance agent interview?

What does P&C stand for in insurance?

Property insurance and casualty insurance (also known as P&C insurance) are types of coverage that help protect you and the property you own.

What should you not say in a car accident?

Don't say “I'm sorry”

DON'T! A simple “I'm sorry” can be used to show that you admitted guilt and responsibility for the accident. Even if you mean “I'm sorry you're late for work” or “I'm sorry you are hurt” – try to avoid using the words “I'm sorry”.

Do insurance adjusters lie?

Can Insurance Adjusters Lie to You? Yes, insurance adjusters are allowed to lie to you. In fact, many are even encouraged to do so. An adjuster might tell you that their driver is not liable for the accident when they know that they are.

What should you do if someone hits your car?

What is proof of financial responsibility?

Vehicle Code 16028(a) VC requires motorists in California to carry proof of financial responsibility when driving their vehicles. Proof of financial responsibility simply means proof of automobile insurance. A party must provide this documentation to law enforcement when requested to do so.

Do insurers share information?

Although insurers share information they would be unlikely to compare notes on the contents of an application form - although they do share information on claims and instances of policies being cancelled or voided, or insurance being declined.

Are insurance claims public knowledge?

Yes, home insurance claims are public record. ... Both parties are protected by statute for their right to access insurance information under the F.A.C.T. Act. If interested parties want to access the record, the interested party may request a policy copy.

What is the cheapest way to answer car insurance questions?

What do car insurance companies check?

What questions should I ask my insurance company after an accident?

What should I not tell an insurance adjuster?

What should you not say to an insurance adjuster?

Never say that you are sorry or admit any kind of fault. Remember that a claims adjuster is looking for reasons to reduce the liability of an insurance company, and any admission of negligence can seriously compromise a claim.

What questions do insurance adjusters ask?

How do you console a victim of an accident?

Should you report accident to insurance?

California law does not require a driver to report an accident to an insurance company. But most insurance policies state that the insured driver should: report an accident, soon after it happens.

Should you say sorry after an accident?

Even if you regret the fact that an accident has happened, you should never say the word, “sorry,” after a car crash because it could be taken the wrong way. ... You can also call for help and facilitate the exchange of insurance information but avoid expressing opinions about the accident or talking about who is at fault.

What are the 3 main types of insurance?

What does premium mean in insurance?

The amount you pay for your health insurance every month. In addition to your premium, you usually have to pay other costs for your health care, including a deductible, copayments, and coinsurance. If you have a Marketplace health plan, you may be able to lower your costs with a premium tax credit.

What falls under property and casualty insurance?

Property and casualty insurance is a broad insurance, which includes coverage to your structure, property and belongings in the event of vandalism, theft, and more. If a thief were to break into your home, you would be protected up to your covered limits under your homeowners insurance policy.