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Pre-inspection is “Inspection of the vehicle before acceptance of the risk by an insurance company about the physical condition of the car.” Pre-inspection can alsoe done in case of break in insurance or transfer of interest.

Background
Rising auto insurance rates are a concern for consumers and insurers alike. In, auto insurance fraud accounts for a large part of the rate increases. Two types of auto insurance fraud account for much of the increase. The first involves the vehicle’s owner failing to reveal existing physical damage when applying for insurance. The owner commits a fraudulent act after obtaining coverage by filing a false claim to cover the pre-existing damage. The second involves owners who provide false documentation to insure a vehicle that has been junked or salvaged or that exists in title form only. The owner reports the phantom vehicle stolen and files a claim after law enforcement fails to recover the non-existent vehicle.

Purpose
This legislation is an effective and cost-efficient way to reduce the impact of insurance fraud on auto insurance rates without imposing an undue burden on consumers, insurers or insurance agents.

Inspection requirements
This section defines “physical damage coverage” to mean either comprehensive or collision coverage, or both. Insurers would not be allowed to issue a new policy providing this coverage, or to add the coverage to an existing policy, without inspecting the vehicle. Further, the insurer could not add an additional or a replacement vehicle to an existing policy without a pre-insurance inspection.

Standards and content of inspection reports

  • Provide pre-insurance inspections at a time and place reasonably convenient to applicants and insured.
  • A pre-insurance inspection report shall include, but need not be limited to the following:
    1. The vehicle identification number (VIN), recorded by observing a number on the vehicle itself.
    2. A record of the mileage shown on the vehicle odometer.
    3. A notation of any observable damage to the vehicle.
    4. A record of all optional accessories attached to the vehicle not provided by the original equipment manufacturer.
    5. Four (4) color photographs, which shall be taken at oblique angles, clearly showing all four (4) sides of the vehicle. In addition, if the report notes observable prior damage, additional photographs shall be made of the damage.
    6. One (1) close-up color photograph clearly showing the Vehicle identification number (Chassis Number)

     
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