Why is My Alaska Car Insurance Provider Telling Me I Have a Good Driving Record When I've Been in an Accident?

Why is My Alaska Car Insurance Provider Telling Me I Have a Good Driving Record When I've Been in an Accident?

Don't you just love picking up the phone and calling your car insurance company to haggle over your rates? Hey, let it never be said that your life isn't interesting! Nine times out of ten you know what your insurer is going to say when you call. After all, it's your driving record they're talking about! Every once in a while they'll throw a curveball your way, however-like when they tell you you've got a good driving record even when you know you've hit a couple of bumps along the way!

This is an excellent moment for a brief lesson in insurance-ese and the difference between clean and good.

Clean is the kind of clean your house is after you've spent four or five days spring cleaning. There's no dust on the shelves or cobwebs in the closet. There's no scuffs, no dirt and no secrets. In other words, your driving record is completely blemish-less. That's good news, right? Having a clean driving record puts you in a great position to receive prime Alaska car insurance rates, smoothes the way to let you get coverage from just about anyone and does great things for your checking account because you're not constantly paying fines, court costs and repair bills!

Unfortunately, a clean driving record is easier said than done. All it takes is a moment of inattention when you're caught in the fast lane on the highway to break the speed limit quite spectacularly-and a moment of attention from local law enforcement is all it takes to find yourself holding a speeding ticket that's going to do nasty things to your driving record.

Believe it or not, most Alaska car insurance companies are fully aware of how easy it is to fall into that huge black hole. That's why many of them make the

Good basically qualifies as "good enough"-in other words, you're not a chronic offender. You might have one or two traffic tickets. You might have even been involved in a fender bender. But you're not a huge insurance risk, and they're not going to treat you like you are. That doesn't mean they aren't going to slap you with slightly higher car insurance rates than they'd have given someone with a clean record, but you're definitely going to be paying less than the guy down the street that's involved in an accident every other week and has been license-less more than once for failure to obey the rules of the road.

The best thing you can do for yourself is to do everything you can to keep your driving record flawless, but if you find yourself with a scuff or two along the way that doesn't have to mean you'll be playing the death knell for your Alaska car insurance. It just means you're going to be swimming in that murky gray area between poor and fantastic until four or five years go by and you once again have a sterling record.

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• Why is My Alaska Car Insurance Provider Telling Me I Have a Good Driving Record When I've Been in an Accident? - Nov 3, 2009 - 2:11:17 PM