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Things Your Auto Insurer Knows About You

The insurance company will have to pay you when there is damage to your vehicle and also any injury that may come to you due to an accident from the operation of a certain vehicle. The money to be paid will depend on the type of policy that you had taken with an insurance company. When you are going to pick an insurance cover the insurance company will ask you about where you live, your driving record, your vehicle and also where you live. The following are the things that an insurance company will be able to know about you.

The first thing that your insurer knows about you is your driving record. The insurance company will do a dig on the places that you have visited and come up with the record of all the places that you have had a driving license telling them how you have been driving and where. All the mistakes that you will have done in the past will be known by the insurer. The insurance company will be able to know all the crashes that you have caused even the once that you were not told about.

The insurance company will also be able to know the status of the driving license that you have. The insurance company will be able to tell if you possess a valid driving license or not. The insurer will also know if your license has ever been revoked and the reason why it was suspended. The insurer will also be in a position to know if you have been paying your child support or not.

The insurer will also know the claim history that you have had in the past. When you have a comprehensive cover your vehicle will be covered for all the damages that may occur to it including a crack of the windshield from flying rock. A report that the insurance company will get will tell all your claim history even those that you have made with other insurance companies before. This may mean that you will be required to pay a higher rate, higher deductibles and even the insurance company may refuse to give you a cover for your vehicle.

The other thing that an insurance company will be able to know about you will be your credit history. An insurance company through the report that they will get from you they can be able to know your credit history and all the companies that you have borrowed money from with the help of an attorney. If at any instance you have ever failed to pay your credits it will reduce your score for an insurance cover with a certain insurance company. The discussed points above tell the things that an insurer knows about you when you take an insurance cover for your vehicle.