Car insurance has become as important as health insurance these days. One of the huge factors is the increasing number of car accident cases accelerating the vehicle damage changes to the core.
Auto insurance is treated as one of the elementary necessities, maybe that’s the reason why driving without legit car insurance in more than 50 states of the United States of America is illegal. This protocol is a reason why states like Pennsylvania, Philadelphia are highly concerned about car insurance. The reason why most vehicle owners skip or avoid the idea of getting the car insurance done is the fear of performing the documentation process. It may be something that demands a series of documents but at the same time, it’s a must to ensure complete coverage of your vehicle.
One of the most basic steps of getting started with car insurance planning is learning all about the documentation required. This is something you can do in advance to prepare accordingly. The process isn’t as stretching as you may assume, all you need is to get your papers ready, apply, wait for the application to be processed, and you are done. As far as the documentation needs are concerned, you can surf through this list of documents required.
#1 – Personal information – The process begins with providing all your personal information to the car insurance providing agency/company. This will include – full name, address, date of birth, nationality, and much more. With this, you are required to provide a social security number so the company can conduct a thorough background check. This may include the credit check as well. Further, car insurance companies offer car insurance plans based on your final credit score obtained. This is the reason you are advised to provide genuine information otherwise it may end up leading to troubles for you. Some companies may ask you for your driving license number to verify your legal age and driving history.
#2 – Driving history –
Next, you will be required to answer some questions revolving around driving history. The auto insurance company will ask for your recent citations, tickets, accidents, case of license suspension, and others. Generally, insurance companies ask for an overall history of three to five years. This frame may vary based on the insurance provider and state.
#3 – Complete vehicle information –
You will be asked to share some information about your car. This will include – make, year, model of the car. During this process, you may require sharing your VIN (vehicle identification number). This number is engraved on the windshield on the driver’s side. You can view it from the inside of the driver’s door.
Some other details may include –
- Garage’s address where the car is parked.
- Vehicle’s mileage
- The exact date of purchase with proof
- Full name of the legally registered owner
Here, you can try to qualify for discounts by gathering some security and safety features installed in your vehicle for instance – airbags, anti-theft devices, and much more. In case you already have an existing car insurance policy, you can provide it at the time of obtaining a new car insurance plan from another company. This is required to declare the end of the existing policy.
If you ever had a lapse in the insurance coverage, the insurance experts will get to know about it through the submitted documents. This will also leave some impact on the company’s purchasing a new or similar car insurance cover.
#4 – Banking details –
Beginning the car insurance policy will require you to submit some banking details. The given details are used for commencing payments. Some common options include – credit card, debit card, bank account information, and much more. If you can’t provide any of these details due to some unforeseen circumstances, you can go for a voided check to complete the verification process at the initial stage.
#5 – Some supplemental details to qualify for insurance discounts or benefits –
It’s possible to enjoy the perks of some add-ons to your insurance plan, but only when you know how to do it. There is an option of cheap car insurance in PA to get add-ons to protect your vehicle from being damaged, destroyed, or stolen. This way you can claim your insurance amount if your vehicle is damaged by an uninsured driver.
What if I wish to alter my insurance cover?
This is a common question occurring in everyone’s mind. In the case of obtaining a new car insurance policy, you will have to provide a legit and valid driver’s license with a social security number. A few car insurance companies may ask you for some additional information including – bank details, vehicle information, and much more. So, all in all, the series of documents are similar to what you need when beginning a new insurance policy.
What is the process of adding a new driver to your policy?
This is the case when there is more than one driver in your vehicle. This generally happens among spouses or family members. In this case, you will have to submit a few documents of the new driver which includes –
- Driver’s license number
- The date of birth of the new driver
- Social security number
- Detailed information about the driving history with proof
Who can help me get a car insurance plan?
Getting car insurance papers in your hand may look tiresome but it’s not. All you need is to learn about the different insurance covers/plans and determine the amount required for them. Here, an insurance agent can help you better understand the perks of different coverage plans. Make sure you select a plan suiting your state’s requirements for bodily injuries, property damage liability insurance terms, and much more. This can prove fruitful in the long term.
The final line –
The paperwork necessities decide the overall value of your car and the insurance obtained. No matter what vehicle or insurance plan you prefer, submitting the documents is mandatory at all steps. Therefore, it’s wise to be prepared in advance, rather than juggling with papers at the final time.