Car Inspections for Insurance: Everything You Need to Know

It is true that having a car is a blessing but it is also important that you take care of it at any cost. As the car is responsible for taking you from one place to another, it must be in the best or a good working condition. Therefore, you have to have your car inspected on a regular basis to know if there are any problems with your vehicle that need fixing. Most importantly, you must have insurance so it can cover you when you face any minor or major accidents.

Car Inspections for Insurance

If you have insurance, then it is also mandatory to get your vehicle inspected at different stages. If you want to know about car inspections for insurance: everything you need to know has been laid out before. I hope that what you read below helps you out or at least clears out a few concepts or confusion that you may have surrounding car insurance.

When it is Mandatory to have a Vehicle Inspection for Insurance

Your vehicle will be required for an insurance inspection by the provider in the following cases:

Adding more Riders to Policy

CNG kits, anti-device devices, and other devices that you add to your vehicle are considered add-on riders. When you add a new rider, you are required to have your car inspected for insurance.

Transfer of Policy

When you sell your car to another person, the insurance policy and the vehicle registration have to be transferred to the new owner’s name. Once transferred, the new owner can cancel the policy and acquire a different one. However, they have to submit the vehicle for insurance inspection during the transfer phase.

Claim for Vehicle Accidents

If your car runs into an accident, then it is time to claim insurance. However, the accidental vehicle needs to go through an insurance inspection before the insurance company covers the claim. During the inspection, the damages to the car are assessed before the compensation is processed.

Switching Between Insurers

If your current insurance company is a letdown and you want to switch it, then an inspection is necessary. The new insurance company would run the insurance inspection to have a look at the current situation of your vehicle, which is a mandatory formality.

Switching Between Policies

If you are sticking with the same insurance company but switching policies from a third-party one to a car-specific one, then the car insurance inspection is mandatory.

Expiration of Insurance Policy

Your vehicle insurance policy needs to be renewed from time to time. If you miss out on renewing it and it expires, you have to get your vehicle inspected again before the policy is renewed.

The Vehicle Insurance Inspection Process

Just like the requirements, there are several assessments that are involved during the insurance inspection process and they have been laid out below:

Vehicle and Driver Insurance Verification

Before the physical assessment of the vehicle, the insurer prefers carrying out the document verification. In this process, the insurance company verifies the details of the insurance policyholder. The details they verify include policy coverage, vehicle insurance, policy number, driver’s license, and policy holder’s name.

Vehicle’s Exterior Inspection

Once the verification is done, the second phase is the exterior inspection of the vehicle. It involves inspection of the windshield, windows, and license plate. Then come the bumpers, exterior lights, blinkers, wiper blades, and doors.

Vehicle’s Interior Inspection

For the interior inspection, the insurer gets the interior components of the vehicle checked for possible damage. These components include the column, steering wheel, horn, and sound. Then come parking brakes, brake pedal, brake pads, and seatbelts.

Vehicle’s Engine

After the interior, the next inspection is of the engine to find any leaks or damages. The process also involves inspection of coolants, emission systems, transmission, battery, fuel, and exhaust.

Vehicle’s Chassis

Then comes the chassis inspection where the insurer inspects the frame of the car, its coil springs, axles, and shocks. Get Your Vehicle Inspected by an Authorized Insurance Inspection Company

If you are considering your vehicle insurance inspected, you can acquire the service of a company that is qualified to do it. You can take Mad Lab Automotive for example, which is authorized to perform insurance inspections on vehicles. You can even get Mad Lab Automotive experts to do repairs, maintenance, and run other diagnostics on your vehicle.

Apart from being known as a renowned automotive company, Mad Lab Automotive also has a high reputation for offering detailed auto insurance inspections in Edmonton. If you want to know more about their services, you can contact them at 780 757 7888.