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Utilizing Auto Insurance in San Jose in Special Situations

You will find here how to proceed regarding your auto insurance in San Jose if special cases occur. For example, what are you supposed to do if a traffic collision occurred while your car is driven by someone else (with you permission, of course)? Or what will happen with your car policy if you have an accident? Read the information below to find the answer to these questions and other useful information.

What happens if a car accident occurs while someone else drove your car? You should know that most auto policies include a Permissive Use provision, giving full or limited coverage to someone else driving your car having your permission. But each insurance company has his own rules, so before signing a new policy make sure to ask about this particular situation to know what to expect. There are also providers that will ask you to write on your policy particular names of the persons you would like to be covered if a traffic collision occurs while they’re driving your vehicle. No additional users other than the persons indicated by you through that policy will be covered in case of auto accident with your car and the driver of your vehicle as the one that caused it.

What happens if you produced an auto accident or you were at least involved in a traffic collision? Will your policy be cancelled? In most situations, your policy will not be cancelled and will continue to provide the legal financial coverage until its validity period finishes. However, there are particular cases when your policy might be cancelled. It will mostly depend on the cause of the accident and the number of previous accidents. If you produced the car accident while driving under influence (meaning alcohol or drugs) and convicted for DUI law violation, there is a high enough probability that your current policy might be cancelled. This could also happen if you have produced a third accident in a certain period of time and your carrier considers that your policy represents a too high-risk item.

In case you’re wondering how many tows you are allowed with emergency road services, you should know that there is no limit set regarding the number of allowed tows. But your insurance company will review your policy if a high frequency occurs.

What about new cars? Are they automatically covered or you’re required to purchase a policy by your own? If you buy a brand new car within an instalment pan, you should know that all costs for all coverage types of that car will be included in your premium. Most companies will require you to accept and sign, aside from the minimum coverage, the collision and comprehensive coverage too.

What happens if you produced a car accident, the car is totally damages and you choose to give up the car because you don’t have enough money for the repair or the replacement costs? In this case, the car will be returned to the provider but being totally damaged will not worth much. Providers want to be insured if these particular situations occurs and they will require you to sign the collision and comprehension coverage.

What happens if you change your vehicle? In most of cases, you will be provided with an automatic coverage for the vehicle replacing the one stated in your current policy. The same coverage will be maintained, unless you specify to your provider that you would also like to upgrade or downgrade your auto insurance in San Jose. However, there are insurance companies that do not provide such automatic changes and will require you to renew you insurance policy.

What about rented cars? If you decide that you want to rent a car and you already have a valid car insurance policy, you should know that the rented car can be covered by your insurance company for up to 30 consecutive days and will be provided with the same coverage you have for our own vehicle. If you do not have collision and comprehension coverage for your own car or the special rent reimbursement coverage, it’s advisable to sign an agreement with the company stating that all expenses for any damages of the rented car will be supported by the company no matter the cause. You will also have to pay more in order to rent a car but you will be fully insured in case you’re involved in a traffic collision or you even produce a car accident.

What if you drive a car in a foreign country? Before starting to travel around the world or at least multiple countries, you need to be informed concerning the car insurance laws of those countries. Since each state has its own particular laws, there are ‘tort’ states and ‘no-fault’ states. It is possible to be required to purchase a special policy for some geographical areas with the states particular laws to legally drive everywhere in the world. If you will be driving in Mexico and you have signed your car insurance in San Jose, California, it will be mandatory for you to purchase a special coverage because auto accidents in Mexico are subject to the laws of Mexico not the laws of United States. Therefore, you will be required to buy liability insurance through a licensed Mexican insurance company. In the contrary, if you want to travel to Canada you should know that your San Jose car insurance will be valid there too because the coverage territory of your auto policy is defined as the United States of America, its territories or possessions or Canada.

Pay attention to special cases to avoid fines and penalties. Enter you zip code here; fill in all the mandatory fields (representing factors that might impact your policy’s rate) and check the auto insurance offers in San Jose city.