What Are My Responsibilities with Car Insurance?

January 23, 2023

Car insurance is there to protect you, but it comes with responsibilities. Just like your insurer has responsibilities to you, there are certain things you are responsible for doing when you have car insurance.

A Western Coast car insurance expert can help you purchase car insurance and help you understand your responsibilities after you are insured.

What are my responsibilities when I have car insurance?

There are a few things you must do to be protected by your car insurance policy.

Proof of insurance

As a driver, you must insure your car and have your proof of insurance with you when driving.

Resolving disputes

It is your responsibility to enter into dispute resolutions in good faith, provide pertinent information quickly, and be open to recommendations from independent observers.

Understanding your needs

You are responsible for understanding your policy, asking questions, and fulfilling your obligations under it.

You can get information online, in brochures, or from your Western Coast insurance expert. Give your insurer detailed information about your needs so they can help you make an informed decision when choosing a car insurance policy.

Paying premiums

You are responsible for paying your car insurance premiums. If you miss your payments, your coverage may lapse, or your policy may be canceled.

Preventing damage

If there is an incident, you are responsible for preventing or reducing the chance of more damage and putting safety first.

Updating your information

To keep your insurance up to date, you must update your car insurance provider with any change in your circumstances that could affect your coverage, for example, if you are involved in an accident, buying a new car, or adding a new driver.

Providing accurate information

When you apply for car insurance, you are required to provide all relevant information, and it must be accurate, otherwise your policy can be voided. Complete forms in a timely fashion with information that is true. Your Western car insurance expert will answer any questions you may have about what information you need to provide when you purchase car insurance.

Accident benefits responsibilities

If you claim accident benefits, you must send an accident benefits package to your insurer on time. You will also need to undergo the medical examinations required by your insurer to evaluate your claim. You are responsible for participating in treatment and rehabilitation in an effort to go back to work.

Reporting the facts

If you need to make a car insurance claim, you must provide accurate and complete details as soon as possible after the accident.

Act in good faith

Because insurance is a contract, both you and your insurer are responsible for acting in good faith in your dealings with each other.

Your responsibilities as a car insurance consumer are relatively straight forward and Western Coast is here to help. Fill out the online form in one minute or contact us on the phone or in branch to get help with your car insurance journey.