What is a car insurance? Cover car insurance?
Automobile insurance companies cover you and your passengers in case of accident. But it is up to you to decide on the level of coverage you get.
Damage to your property will be covered by the company? Will be covered all the passengers or your family? What happens if your daughter was driving your car?
What questions should ask you your auto insurance company when it comes to auto insurance? This article help you choose between the different policies of insurance.
Types of car insurance
Insurance civil liability, or third party insurance.
This is usually the lowest form of insurance offered by an automobile insurance company. This is basic insurance if you're involved in an accident and there is evidence be your fault, auto insurance company will pay damages to the other party.
Coverage offered by the company auto insurance is normally fixed beforehand. This is the maximum amount that the auto insurance company will pay in case of accident
For example, the agent will be to agree on a cover of $10000 per person (bodily injury) or blanket $ 40000 bodily or $10000 of damage to property by accident
You must confirm with your car insurance company, that they cover, and what are the limits.
You may be offered a very low premium by some auto insurance company only to realize that your coverage is minimal and unrealistic.
Collision insurance comprehensive coverage all risks and insurance comprehensive all risks
A car company insurance will also offer you insurance comprehensive, as the name implies, you will be fully covered.
In simple terms, this means that if you are responsible for the collision insurance company will pay for the repair of the vehicle.
But it is not so simple, an auto insurance company will almost always have the last word on this amount will be paid, so if it is less expensive to market value of the car, then they will be.
You may think that your car is worth $ diverses, but the real value of the market could be $500.00. This is not a rare scenario. So if your car repair is over $ 500 and then simply auto insurance company will pay the carrying value of the car.
You must ensure that the insurance company is not in control of the market value of the car normally organizations as AA will give a fair market value.
As with the third party insurance, auto insurance company will certainly limit the amount will be paid for, but in general terms, a comprehensive insurance will have higher limits.
Recreational vehicle
Its own insurance needs of a recreational vehicle, recreational vehicles insurance is not the same as auto insurance.
You should not assume that because your car is assured of complete manner, it is your recreational vehicle.
Other types of auto insurance
Medical (MedPay), Persona Injury protection (PIP) and faultless cover
This insurance will cover you and your medical expenses for passengers in the event of a collision.
The no fault coverage means that the car insurance company will pay regardless of who is at fault. This gives the piece to recall that, at the very least, your family and friends are covered.
PIP is often a minimum requirement in some countries or States, ask your auto insurance requirements are.
Non-insured/underinsured motorist coverage
This coverage, (sometimes as a minimum requirement in some States), will cover you if the offending person is not provided or is underinsured.
You should ask your auto insurance company that you will be charged in the case of such a situation. Normally the car insurance company should not charge you extra bonuses.
Repayment of lease, towing and working
These "extras" often given with a full insurance is often used by as special automobile insurance companies.
Therefore, in the event that your car is damaged auto insurance company will pay for rent, (sometimes only for a few days).
Car insurance company may also offer to pay for the towing of your vehicle (not included).
You should always ask your auto insurance company which is included in the coverage.
The legal requirements.
Most of the States and most countries will require a certain level of coverage, complete car full insurance insurance third party car.
In most cases, it is to you, the driver to ensure that your auto insurance company offers you the required minimum. In most cases, the insurance company (the company auto insurance), is no obligation for you requirements.
But, of course, a good auto insurance company will be, (expected?), its high try to advise you on the best deal for you.
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