Avoid These Mistakes If You Want to Keep Your Car Coverage

Here are some of the ways that you can accidentally void your auto insurance.

Drivers are legally required to carry auto insurance, and many drivers assume that as soon as they secure coverage, there’s nothing they can do to lose it.  Unfortunately, this isn’t always the case.  You can make certain mistakes that will result in the cancellation of your policy.  Here are some of the things that you should avoid if you want to keep your coverage.

  • DUI/DWI

If you are charged with a DUI or DWI, then you will be considered too high-risk for your auto insurer to continue covering you.  Not only will a DUI or DWI result in your policy being voided, but it can make it very difficult to find affordable car coverage in the future.

  • Failing to Report Auto Modifications

While many car owners are excited to modify their vehicles by installing an upgraded stereo system, tinting their windows, or installing massive rims, failing to report these upgrades can result in your insurer denying coverage.  This is especially true if your insurer feels that the modifications increase your car’s risk for accident, theft, or other losses.  Make sure you check with your insurer before you decide to modify your car in any way.

  • Failing to Pay Your Premiums

Obviously, failing to make your insurance payments will result in your insurer cancelling your policy.  If you have only missed one payment and have an otherwise good reputation, then it’s likely that your insurer will forgive you and allow you to keep your coverage as soon as you pay them.  However, if you have a history of missing payments and you have exceeded your allotted grace period, then your insurer has the right to void your policy.

Avoid these issues if you want to keep your auto policy intact.  Do you have additional questions about your auto insurance?  If so, then contact the experts at Robert J. Los Insurance Agency in Hamburg, New York.  We are ready to assist you with all your coverage needs today.