Verified answer

You don't need life insurance to buy car insurance.

You don't have to PROVE how many miles you drive. You just declare how many you drive (no proof required). Everyone is presumed to drive about 15,000 miles or less a year. Other insurance companies may use a different mileage cutoff. They are all in the same category. But if you use your car for business, you'll be in a higher risk category because the insurance company will presume you will drive more and be exposed to higher risk factors.

They will ask all the above questions. Only thing is they will not request you to prove mileage driven. That is an estimate the insurance company will ask you. If you have life insurance they may ask, due to you could receive discounts for that.

The number of accidents you have had in the past will show up when they run your motor vehicle record from the DMV.

Just a bit of advice NEVER lie to your insurance agent. If you are open and honest with them then this can make your claims processing so much easier. Also if you lie to them and something happens and then they find out about the lie! Depending on the circumstances it is Fraud or misrepresentation and you could be denied your claim and cancelled. This will REALLY affect you insurance prices in the future and could make you uninsurable.

Hope this helps have an awesome evening.

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