According to Clearsurance [www.clearsurance.com]—an independent online platform that gathers real consumer reviews of insurance companies—there are three important questions every driver should ask that insurance commercials fail to answer:
1. WHAT ABOUT COVERAGE BEYOND PROPERTY DAMAGE?
Most car insurance covers property damage to the car if it has been in an accident—and that's only if you have collision insurance. What the commercials don't talk about is what happens if you or a passenger sustains any sort of injury.
2. ARE YOU 'SAVING' MONEY ON YOUR PREMIUM BECAUSE OF A HIGHER DEDUCTIBLE?
At its core, insurance is a game of managing risk. Are you willing to pay more out-of-pocket in the event of an accident, just so you can pay less on your monthly premium? If you have years and years of good driving under your belt, maybe. But the insurance commercials don't talk about that.
3. WHAT ARE THE CONSEQUENCES OF FILING A CLAIM?
Could filing a claim lead to higher prices, or worse—having your policy cancelled, even if it's not your fault? This question is important for claims in the ballpark of your deductible. If your deductible is $1,000 and the damages are $1,250, is filing the claim worth the $250 difference? Will your premiums go up?
Contrary to what the insurance commercials tell you, car insurance coverage is much more important (and nuanced) than just a price tag. When it's time to file a claim, your priorities will change. The 10,000+ consumer reviews on Clearsurance.com are testament to the importance of asking the tough questions—especially when the commercials won't.
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