Do car insurance companies inspect your vehicle before approving your policy?
"If I decide to switch to a different car insurance company, would I need to get an inspection?"
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Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Whether you need to get an inspection when switching car insurance companies depends on where you live, the type of coverage you have, and the insurance company.
Most vehicle inspections are only required if you are requesting comprehensive insurance and collision insurance. An inspection can prevent fraudulent claims from being submitted. Insurance companies don’t want to provide coverage for existing damage that occurred outside of the coverage period.
In some states, it’s required that insurance companies inspect vehicles once a policy is issued. If you don’t get the vehicle inspected, the policy will be cancelled. If your state doesn’t require insurance companies to inspect vehicles, you may not need to get one.
If you’re unsure, you can reach out to the new insurance carrier to determine if an inspection would be required.”
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