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Because an important part of your insurance coverage could lapse if you fail to have your car inspected.
What is an insurance inspection?
The auto insurance photo inspection program is designed to keep your premiums lower by preventing fraud. The program means that you may be required to have your car inspected and photographed by a representative of your insurance company.
Is there a penalty if I fail to have my car inspected?
Yes.If your car requires inspection but you do not have the inspection done,some important policy provisions will lapse. These are the provisions that protect you in case your car is damaged or stolen. So it is very important for you to have the inspection performed.
Will all cars have to be inspected?
Not necessarily.Your insurance company is allowed to waive inspection for certain vehicles.Also,if you purchase a brand-new car,you may be able to furnish certain documents you get from the auto dealership instead of having an inspection.
How will I know if I must have my car inspected?
Your agent or your insurance company will tell you if you are subject to the requirement.They also will let you know when and how to have the inspection performed.
Is this inspection the same as the annual safety and auto emissions inspection required under the motor vehicle laws?
No.The two are entirely different.
Is there a charge for the inspection?
No.There can be no charge to the car owner.Your insurance company pays for the inspection.
Is this a requirement that the insurance industry decided to impose?
No.The inspection requirement is part of New Jersey state law on auto insurance. Lawmakers believe it will help prevent the cost of fraudulent claims from being passed along to honest policyholders.
How can it do that?
There are a number of fraudulent practices that the inspections can detect. For example,some people insure nonexistent cars,report them stolen and submit phony claims.The cost of these scams has become great enough to prompt lawmakers to enact the inspection requirement.
I feel like I am being penalized because others are dishonest.What can I do about this?
Unfortunately,too many people think insurance fraud is a victimless crime.But fraud inflaates everyone ’s premium.You can help by fighting the attitude that only insurance companies get hurt by phony claims. Really,it is the honest policyholder who pays.
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Copyright 2006 Fairview Insurance Agency Associates, Inc. 1-800-452-5376 Site last modified: November 2006 |
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