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When Changing Auto Insurance Company, Do They Ask Me To Go Through Inspection On My Vehicle?

I’m thinking about changing my auto insurance company soon. I’ll probably go to online to get a quote and the insurance.
When I looked through all the questions they ask for the quote, I noticed that they ask if there are any damages on the vehicles.
(There are few scratches here and there on my vehicle.)
If I answer that there are, they would ask me how did it get them and tell me that I should report those accidents.
But I don’t want to report and I don’t even want to fix them.
Therefore, I know it’s an immoral act but I want to answer that there aren’t any damages.
So here comes my question,
After the applications and all, do the insurance company ask the driver to go through the auto inspection?

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Thursday, September 10th, 2009 Auto Insurance 4 Comments

How Do I Make An Auto Insurance Claim For Scratches Through Auto Owners?

I bought a used car a few months ago that had a near flawless finish. Over the past few months it’s been scratched several times by my nephew on his bike. We’ve talked and now I need to file a claim with my insurance. The marks are everywhere, back of the trunk, right rear quarter panel, hood, left rear quarter panel.
The problem is, before I knew I could claim damages, I used a touch up kit to cover the scratches and gouges so they are hard to see. But I could still take pictures of them as they stand now and probably get a letter from the salesman, proclaiming the condition that he told it to me in. What else do I need to file a claim with Auto Owners? Yes, I have full coverage, including comprehensive.

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Technorati Tags: Auto, Claim, Insurance, Make, Owners, Scratches, Through

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Thursday, August 27th, 2009 Auto Insurance 6 Comments

What Insurance Company Sould I Insure My Boat Through?

ive been an auto insurance agent with 21st century for the past 2 years and we didnt offer boat insurance and i just purchased a classic 1966 larson 18ft boat and i wanted to insure it.. please help

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Technorati Tags: Boat, Company, Insurance, Insure, Sould, Through, What

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Saturday, July 4th, 2009 Boat Insurance 4 Comments