{"id":76899,"date":"2026-01-30T00:04:00","date_gmt":"2026-01-30T00:04:00","guid":{"rendered":"https:\/\/english.saigonbiz.com\/vn\/tackling-auto-insurance-myths-misconceptions-drivers-should-know-before-making-coverage-decisions\/"},"modified":"2026-01-30T00:04:00","modified_gmt":"2026-01-30T00:04:00","slug":"tackling-auto-insurance-myths-misconceptions-drivers-should-know-before-making-coverage-decisions","status":"publish","type":"post","link":"https:\/\/english.saigonbiz.com\/vn\/tackling-auto-insurance-myths-misconceptions-drivers-should-know-before-making-coverage-decisions\/","title":{"rendered":"Tackling Auto Insurance Myths: Misconceptions Drivers Should Know Before Making Coverage Decisions"},"content":{"rendered":"
\n

MISSION, Kan., Jan. 29, 2026 (GLOBE NEWSWIRE) — (Family Features) Misinformation about auto insurance continues to circulate, leading many drivers to make decisions based on outdated or inaccurate assumptions.<\/p>\n

\"17767_1\"<\/p>\n

\u201cEven savvy drivers can be misled by insurance myths,\u201d said Justin Yoshizawa, director of product management at Mercury Insurance. \u201cUnderstanding what coverage actually does \u2013 and doesn\u2019t \u2013 do can help people avoid unpleasant surprises after an accident.\u201d<\/p>\n

To help consumers stay informed, Mercury Insurance<\/a> is sharing this lineup of auto insurance misconceptions that can affect coverage, cost and peace of mind \u2013 and the facts that stand in their place.<\/p>\n

Myth No. 1: You Can Negotiate Your Auto Insurance Premium<\/strong>
Fact:<\/strong> Insurance rates aren\u2019t like haggling for a car price. They\u2019re calculated using approved rating formulas and risk models regulated by state insurance departments, so you can\u2019t negotiate a lower rate directly with your carrier. What you can do is shop for discounts, adjust coverage levels or improve your risk profile to influence your premium.<\/p>\n

Myth No. 2: You Don\u2019t Need Medical Payments Coverage if<\/strong> You Have Health Insurance<\/strong>
Fact:<\/strong> Even if you carry health insurance, your auto policy\u2019s medical payments or personal injury protection can still be valuable. These coverages may pay medical costs regardless of fault and can help cover expenses not covered by health insurance, including deductibles, co-pays, ambulance bills, lost wages and more, depending on state regulations.<\/p>\n

Myth No. 3: Full Coverage Means You\u2019re Covered for Everything<\/strong>
Fact:<\/strong> \u201cFull coverage\u201d is a common shorthand used to describe a policy that includes liability, comprehensive and collision coverage. Even with all three, coverage is still subject to limits, deductibles and exclusions, which means certain situations and expenses may not be covered unless additional protections are added.<\/p>\n

\"17767_2\"<\/p>\n

Myth No. 4: All Insurance Companies are Basically the Same<\/strong>
Fact:<\/strong> Each insurer has different underwriting guidelines, risk models, discount structures, service levels and claims handling practices. Shopping only on price without comparing coverages and service reputation can lead to surprises when you need to file a claim.<\/p>\n

Myth No. 5: A Not-At-Fault Accident Won\u2019t Affect Your Rates<\/strong>
Fact:<\/strong> Even if you weren\u2019t at fault, filing a claim can still influence your insurance score and possibly affect future pricing depending on your state and your carrier\u2019s specific rating rules. Discuss the scenario with your agent before deciding whether or not to file.<\/p>\n

Myth No. 6: New Cars are Always More Expensive to Insure<\/strong>
Fact:<\/strong> A new car often costs more to insure than an older one, but this isn\u2019t automatic. A new vehicle with high-end safety features or strong crash-worthiness and theft-deterrent systems may be less expensive to insure than a different used model with poor safety ratings or costly repair costs.<\/p>\n

Myth No. 7: Insurance Automatically Pays for a Rental After an Accident<\/strong>
Fact:<\/strong> Rental car reimbursement is an optional add-on. Unless you specifically select rental reimbursement coverage, your auto policy won\u2019t pay for a temporary vehicle while yours is being repaired.<\/p>\n

Myth No. 8: If Your Car is Totaled, Insurance Pays Off Your Loan or Lease<\/strong>
Fact:<\/strong> Car insurance settlement is based on the vehicle\u2019s actual cash value at the time of loss, not what you originally paid \u2013 meaning depreciation can leave you owing money on your loan or lease even after a total loss. Gap insurance is a separate optional coverage that can help cover the difference.<\/p>\n

\u201cDispelling myths is about more than just good information \u2013 it\u2019s about building insurance confidence,\u201d Yoshizawa said. \u201cWe want drivers to make choices based on reality, not rumor.\u201d<\/p>\n

To learn more and ensure coverage aligns with how and where you drive, visit MercuryInsurance.com<\/a>.<\/a><\/p>\n

Photos courtesy of Shutterstock<\/p>\n

Michael French
mfrench@familyfeatures.com<\/a>
1-888-824-3337
editors.familyfeatures.com<\/a><\/p>\n

About Family Features Editorial Syndicate<\/p>\n

A leading source for high quality food, lifestyle and home and garden content, Family Features provides readers with topically and seasonally relevant tips, takeaways, information, recipes, videos, infographics and more. Find additional articles and information at culinary.net and eLivingToday.com. Family Features is a division of 4media group, the global strategic communications agency built for brands that want results.<\/strong><\/p>\n

Photos accompanying this announcement are available at <\/p>\n

https:\/\/www.globenewswire.com\/NewsRoom\/AttachmentNg\/3bb89c68-b3bb-47e0-8f9b-75f0976522a8<\/a><\/p>\n

https:\/\/www.globenewswire.com\/NewsRoom\/AttachmentNg\/5c8fb048-c329-482c-82a3-ed450c20cefb<\/a><\/p>\n

\"\"<\/div>\n","protected":false},"excerpt":{"rendered":"

MISSION, Kan., Jan. 29, 2026 (GLOBE NEWSWIRE) — (Family Features) Misinformation about auto insurance continues to circulate, leading many drivers to make decisions based on outdated or inaccurate assumptions. \u201cEven savvy drivers can be misled by insurance myths,\u201d said Justin Yoshizawa, director of product management at Mercury Insurance. \u201cUnderstanding what coverage actually does \u2013 and […]\n","protected":false},"author":1,"featured_media":76900,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-76899","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-people"],"yoast_head":"\nTackling Auto Insurance Myths: Misconceptions Drivers Should Know Before Making Coverage Decisions - Biz and Live in Saigon<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/english.saigonbiz.com\/vn\/tackling-auto-insurance-myths-misconceptions-drivers-should-know-before-making-coverage-decisions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tackling Auto Insurance Myths: Misconceptions Drivers Should Know Before Making Coverage Decisions\" \/>\n<meta property=\"og:description\" content=\"MISSION, Kan., Jan. 29, 2026 (GLOBE NEWSWIRE) — (Family Features) Misinformation about auto insurance continues to circulate, leading many drive\" \/>\n<meta property=\"og:url\" content=\"https:\/\/english.saigonbiz.com\/vn\/tackling-auto-insurance-myths-misconceptions-drivers-should-know-before-making-coverage-decisions\/\" \/>\n<meta property=\"og:site_name\" content=\"Biz and Live in Saigon\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/SaigonbizGroup\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-30T00:04:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/english.saigonbiz.com\/vn\/wp-content\/uploads\/2026\/01\/17767-1-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/english.saigonbiz.com\/vn\/tackling-auto-insurance-myths-misconceptions-drivers-should-know-before-making-coverage-decisions\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/english.saigonbiz.com\/vn\/tackling-auto-insurance-myths-misconceptions-drivers-should-know-before-making-coverage-decisions\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/english.saigonbiz.com\/vn\/#\/schema\/person\/267b348e6cf32a66aab33637c2d399a6\"},\"headline\":\"Tackling Auto Insurance Myths: Misconceptions Drivers Should Know Before Making Coverage Decisions\",\"datePublished\":\"2026-01-30T00:04:00+00:00\",\"dateModified\":\"2026-01-30T00:04:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/english.saigonbiz.com\/vn\/tackling-auto-insurance-myths-misconceptions-drivers-should-know-before-making-coverage-decisions\/\"},\"wordCount\":732,\"publisher\":{\"@id\":\"https:\/\/english.saigonbiz.com\/vn\/#organization\"},\"articleSection\":[\"People\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/english.saigonbiz.com\/vn\/tackling-auto-insurance-myths-misconceptions-drivers-should-know-before-making-coverage-decisions\/\",\"url\":\"https:\/\/english.saigonbiz.com\/vn\/tackling-auto-insurance-myths-misconceptions-drivers-should-know-before-making-coverage-decisions\/\",\"name\":\"Tackling Auto Insurance Myths: Misconceptions Drivers Should Know Before Making Coverage Decisions - 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