• Main driver. A parent claim to be the one who uses the insured vehicle often, but the truth is their teenage/college son who uses it the most. They avoid to pay high premiums since young men have to pay high premiums because they are more reckless and have bigger risks.
• Driving mileage. A car which spends more time on the road have bigger chance to be involved in an accident. If you lie about how many mileage you spend to commute everyday using the insured car, it will be hard to explain when you involve in an accident far away from you house.
• Actual address. You use your family address who live in peaceful suburb while you live in high crime potential or big city. Your application will not approved.
• Car usage. It will not good if you lie about your vehicle's usage. Let's say you use your vehicle for business purpose, whether it's delivery or something else, but you tell your insurer you used it for shopping or vacation. The insurer will know the truth through investigators and police note once you get accident with your insured car.
• Accidents or tickets. Insurance company will check on your traffic databases regardless of what state you live in. They will check thoroughly even if you have speeding ticket like years ago, they will still use that for consideration.

• Flood damage (separate policy)
• Earthquake (separate policy)
• Mold
• Acts of war
• Property in disrepair (worn out plumbing, electrical wiring, air conditioners, heating units and roofing)

• Fire
• Wind (tornado or hurricane)
• Hail
• Theft

1. Property damage liability limit. The maximum payout won't exceed limit you have set in case your insurer will pay for damage to another party's property.
2. Bodily injury liability limit per accident. You might need to set this limit high enough to pay medical expenses for multiple people. 
3. Bodily injury liability limit per person injured. 

1. Personal Data. Aside from your own personal data, you need to collect basic personal data from people at the scene of incident, which means other driver(s), passengers and bystanders. You need to get their names, phone numbers, home address and email address. If possible, take notes about what witness saw and heard.
2. Take Pictures. Take photos of the accident scenes as much as you can. It's better if you can take it before the cars are moved out of the way and you better take it from various angles. But don't create another dangerous scene just for the sake of the photos (it's not for extreme selfie purpose). Don't forget to take picture of the parties involved, witnesses and each party's insurance card.
3. Insurance Details. You have to exchange insurance information with the drivers involved in the accident. Your adjusters probably ask this thing first.
4. You can also get a copy of the police's report, if the police present at the scene. Make sure to get the officer's name. 

• Comparing. Don't hesitate to comparing prices between two or more insurance company. Get the best price as low as possible.
• If possible, choose a car in 'low-risk' category. The newer and modern your car, the higher premiums you have to pay. 
• Install a black box in your car. Black box will monitors how you drive, the acceleration, braking, cornering and time of driving. You can get discount if you are proved to drive safely.
• You can also install a tracking device. These schemes can cut costs, especially if you don't drive at night (11 pm - 5 am).
• Park you car in garage. Keep your car in garage after driving as well as installing security alarm and/or immobilizer can reduce your premiums substantially.

• Verify the existence of insurance policy for individual and/or property.
• Investigates risk of loss, property damage, property loss (due to natural disaster) or body injury.
• Evaluate the covered damages according to coverage grants after completing the above investigations.
• Negotiate the settlement according to the law and identify the insured's coverage.

1. Reduce your mileage. It's odd but sadly true. The more miles you drive, the higher chance of you having an accident. The less you drive, the lower premium you will get. 
2. Compare Insurers. There's no harm comparing premium that insurers offer before making deal.
3. Boost security features. Adding security device such as alarm or immobilizer means you have lowered the potential risk of your vehicle being stolen. Make sure you park your car in garage or driveway.

You may think you won't need performance car insurance as long as you drive carefully or park safely. However, no one can guarantee another driver do the same as you. Preparing won't hurt you.