Important Things to Know About an Inspection for Car Insurance

Mar 15, 2023

Commercial Insurance

Important Things to Know About an Inspection for Car Insurance

Car inspection agencies work with insurance providers to provide them with a status report of a car that needs to be insured. In several cases, photographs are used as proof to verify the condition of your car before your insurer offers you the auto insurance cost estimate.

In this blog, you will learn about some relevant facts you need to know about the car inspection process, an important step in determining the right price for your car insurance.

Is an Inspection Essential to Buy Car Insurance?

If you are buying insurance for your new car, it may not need an inspection, but if the car is a used vehicle, your insurance provider may ask you to get an inspection done before offering you coverage. They do it to reduce incidents of insurance fraud. A client may file a claim for collision or comprehensive coverage for damage that was already there when they bought the vehicle, which they did not report to their insurer at the time of buying insurance coverage.

What Is a State-Required Car Inspection?

Though each state has its own auto insurance-related regulations about car inspection, some important points to know are:

  • Most states require you to get an inspection done before you are allowed to register your car with the department of motor vehicles.
  • For the convenience of its citizens, the state offers several licensed car inspection locations across the city where you may get your car inspected.
  • States require car owners to get a car inspection to ensure that the vehicle is roadworthy and also to prevent cases of fraud.

Cost of a Car Inspection

While, on average, an extensive car inspection may cost you between $150 to $250, the amount may vary due to certain factors such as:

  • The state where you live: The licensing procedure for each state is different. So, the inspection fee may vary from one state to another.
  • The type of car you own

Why Are Car Inspections Important?

Car inspections are important for the overall safety of everyone on the road. Some of the reasons that show why car inspections are important are:

  • Less number of accidents and other car-related hazards
  • Reduces insurance costs
  • Fewer chances of breakdowns on the road
  • Increase the longevity of your car
  • Makes your car fuel efficient

Car inspection brings to light the problems, if any, that you can get repaired. This also helps to maintain your car at its optimal level. The mechanic performing the inspection checks the components of your car. If there is any issue, you will be given a time frame to get it fixed and come back for a re-inspection.

Documents Required for an Inspection

The documents that you need when you go for your car inspection are:

  • Title
  • VIN inspection form
  • Proof of insurance coverage
  • Sale receipt
  • Driver’s license

Protect Your Car with Riverbend Insurance

For more information on the car inspection process and its impact on your car insurance, contact our team today. At Riverbend Insurance, we want to help you get the right insurance coverage for maximum protection on the road.