6 Common Mistakes That Can Void Your Car Insurance
Car insurance is a necessity for every driver. Get the correct insurance policy for your car, and if you don’t understand, ask your insurer or check online for guidance. However, some mistakes which can be avoided can make your insurance void.
Insurance Mistakes To Avoid
Overloading Your Vehicle
Overloading your car is a common way to void your insurance. This can happen if you carry excess passengers or load extra weight. Also, ensure your car tows the right weight.
Driving Under the influence of Drugs or Alcohol
Driving under the influence of drugs or alcohol can lead to policy cancellation. Drivers also face a jail term or hefty fines. On the other hand, it is best to note drugs can also be some medications that may impair someone’s ability to drive.
Failure To Pay Premiums
Forgetting to pay insurance premiums on time can lead to the cancellation of your policy. If you pay monthly, the possibility of forgetting can be higher than annually. But, it will all depend on your budget.
Utilizing Your Personal Car for Business
If you use your car for ridesharing services without notifying the Florida insurance agency, this can void your policy. Drivers who want to use their cars for financial gains can require commercial insurance. Some insurance policies cannot cover your car if damaged while doing commercial activities.
Failure To Report Car Modifications
It is important to inform your insurer about car modifications. It could be repainting, adding bull-bars, among others. Check the policy document and learn which modifications your insurer covers and doesn’t cover.
Driving with Worn out Tires
Tires deteriorate quickly if used frequently. Ensure your car has a minimum tread depth of 1.5mm across the width. A car with worn-out tires is considered unroadworthy, and thus the insurance is void. Car insurance covers a vehicle in case of an accident. It is also mandatory to have a car insurance policy in some states. So, avoid any mistake that can lead to policy cancellation.