orbitz travel insurance

Normally when purchasing auto insurance you probably will only be asked for basic information about your vehicle. You are typically asked to provide the year, make, model and to provide the accurate mileage from the odometer. You will also need to provide some idea as to the condition of your vehicle and project your driving needs. Car owners who travel long distances for work are charged higher premiums than those who drive less frequently. Armed with this basic data and your car or truck Vehicle Identification Number ( VIN ), the insurance company is able to generate a quote after a quick check of collision history of your vehicle.

However, an insurance agent may wish to inspect your vehicle. Such inspections occur when car owners report that expensive items have been added to a vehicle. Insurance companies may wish to verify the value of accessories like expensive stereo or video equipment, high - value custom rims, or other custom features like fine leather seats. Typical insurance policies may not adequately cover a car owners investment in such features. When this occurs, a custom policy is often in order. In addition, insurance companies may wish to verify that anti - theft devices? car alarms, GPS tracking devices, lojack are actually installed in the vehicle if the car owner is eligible for a discount based upon their existence.

Since the insurance company is interested in protecting its interests, they may require you to have your car inspected just to get an overall assessment of the total value of your car. If your car is in excellent condition, they then can match it up with the appropriate blue book value and write you the appropriate policy. However, if you have a leaking radiator, a slipping transmission, or leather seats that have rips and tears in them, the insurance company will most likely downgrade the value of your car and find the appropriate blue book value.

Typically vehicle inspections are very rare. The situation that most often tends to draw the extra attention of insurance companies are customers who insure older cars for full - coverage. Such inspections make sense for both insurance companies and car owners. It is in the insurance company? s best interest to verify that vehicles they insure are valued properly and, additionally, it may lead to lower premiums should car owners over - estimate their vehicles? worth.

It is in your best interest to be truthful with your insurance company when searching for a quote. If your passenger door is about to fall off and you are just waiting to lie to the insurance company and tell them you were a victim of a hit and run and that your car door is now totaled, the insurance company can throw you in jail for insurance fraud. They may even already have pictures of your car before you created the accident.

This is why inspections can happen at any time. The insurance company needs to know if you are honest. So it is best to be truthful when looking for a quote because the day after you get your policy, the insurance company might be at your place taking pictures of your car.