Every car insurance company want to make a good profit every year. Many accidents are solved without the customer need to worry about the processing and without causing stress to their insured customers. The fact is that every car insurance company want to minimize their exposure to risks. The will give you a higher premium if they reach the conclusion that they need to cover it. The opposite such as safe drivers with lower risk can get lower premiums.
Attempting to invalidate your insurance
The car insurance company will always try to cover the risks. Any insurance company want to avoid possible payouts. They can cover itself and the risks by maximising your car insurance premium or by attempting to invalidate your insurance.
Don't give the wrong information
So you should always be alert to the following fact. They can invalidate the car insurance if any information you gave to obtain the insurance is found to be misleading or misinformation. It can also be if you failed to inform the company about changes that have occurred since you agreed to the car insurance policy.
Car insurance companies own definitions of "whose fault"
If it turns out that someone damage your vehicle and then run away. You should not be surprised if the car insurance company judge it to be your own fault.
Young drivers - classified as high risk
Young drivers are classified as high risk category. They are many times seen as careless or reckless. Your statistics determine your car insurance premium. There are some categories who are considered less of a risk. For example married people and female drivers so if you represent a high risk if loss. Your premium will then be higher.