Common auto insurance myths busted

As with any complex matter that has a lot of features and options, auto insurance is also surrounded by myths and misconceptions that millions of drivers share without even trying to find proof to them. However, quote often these seemingly harmless beliefs lead to serious misunderstandings, claims and even court cases when people start disputing specific issues with their auto insurance companies. In order to prevent this from happening make sure you know the truth behind some of the most common auto insurance misconceptions:

The color of the car affects auto insurance quotes

People tend to believe this myth due to the hypothetical link between the car's color and the driver's attitude. For example, if the car is painted red then its driver tends to speed and drive aggressively compared to other colors of body paint. Of course, this myth lacks any substantial evidence in its base. What really matters is the actual type of vehicle to be insured. If a driver wants to insure an ultra-performance sports car it will get higher auto insurance quotes than typical sedans no matter what color it is painted in.

No-fault insurance means that the driver is never at fault in an accident

This misconception can cause use a lot of trouble, especially if you explain your reckless driving by having a no-fault policy. What this insurance really means is that your auto insurance company will cover your losses in an accident regardless of who was at fault of the accident. But having such a policy doesn't save you from the liability you have towards the other party involved in the accident if you have caused it.

If my friend is driving my car and crashes it it's his auto insurance policy that will pay

There's some logic to this misconception but unfortunately for drivers who let their friends drive their cars too often it's quite the opposite of truth. Yes, it was your friend driving the car, but it was your car and the insurance company pays for the damage your car has caused or sustained, not you personally. This should make you think twice before giving the keys from your car to any of your friends.

Comprehensive coverage isn't useful as long as there's collision coverage

There's a significant difference between collision and comprehensive coverage even though they are often sold in a bundle. Collision coverage pays for the damage your car sustains from colliding with other objects while on the road. Comprehensive coverage pays for the damage caused by circumstances other than actual collision such as windstorms, animals, theft, riots, explosions and so on. That's why it's likely that you'll need both in order to keep your auto covered properly.