Wh?at? is aut?o in?suran?ce? Wh?at? aut?o in?suran?ce cov?erage?
Ca?r ins?ura?nce? co??mpa?nie?s? co??ve?r yo??u a?nd yo??ur pa?s?s?e?nge?rs? in a?n a?ccide?nt. But yo??u de?cide? th?e? le?ve?l o??f co??ve?ra?ge? yo??u w?ill re?ce?ive?.
Th?e wil?l? d?amage y?o??ur? pr?o??per?ty? c?o??ver?ed? by? th?e c?o??mpany?? D?o?? al?l? pas?s?enger?s? ar?e c?o??ver?ed? o??r? y?o??ur? famil?y?? Wh?at if y?o??ur? d?augh?ter? was? d?r?iving y?o??ur? c?ar??
W?h?a?t? q?uest?io??ns sh?o??uld a?sk yo??ur au?to in?su?r?an?ce? com?pan?y? wh?en it c?o??mes? to?? auto?? ins?ur?anc?e? Th?is? ar?tic?le will h?elp y?o??u c?h?o??o??s?e between dif?f?er?ent ins?ur?anc?e po??lic?ies?.
Kin??d of A?u?to In??su?ra?n??ce
Insu?r?ance civil liab?ility?, or? liab?ility? insu?r?ance.
T?h?is is usual?l?y t?h?e l?o?west? f?o?rm o?f? in?suran?ce o?f?f?ered b?y t?h?e in?suran?ce co?mp?an?y aut?o?mo?b?il?e. T?h?is is t?h?e b?asic in?suran?ce, if? yo?u are in?v?o?l?v?ed in? an? acciden?t?, an?d p?ro?v?ed h?is guil?t?, t?h?e car in?suran?ce co?mp?an?y in? p?ay damages t?o? t?h?e o?t?h?er p?art?y.
T?h?e coverage p?rovid?ed? b?y th?e co?mp?an?y A?uto? i?n?s?ur?a?n?ce i?s? gen?er?a?lly f?i?xed i?n? a?dv?a?n?ce. Thi?s? i?s? the ma?xi?mum a?mo?un?t o?f? ca?r? i?n?s?ur?a?n?ce co?mpa?n?y wi?ll pa?y f?o?r? a?cci?den?ts?
For ex?am?ple, t?he ag?en?t? will ag?reed? t?o c?over $ 10 000 per person? (in?jury?) an?d? / or $ 40 000 c?overag?e for person?al in?jury? an?d? / or $ 10,000 in? propert?y? d?am?ag?e by? ac?c?id?en?t?
Y?o?u s?ho?ul?d? check w?ith y?o?ur i?nsuranc?e c?om??p?any as they? c?over? an?d w?hat lim?its?.
Y?ou? m?ay? b?e offered? a n?ot the prem?i?u?m? b?y? a certai?n? c?ar i?n?suran?c?e c?om?p?an?y to? re?a?lize? y?o?ur co?ve?ra?ge? is? min?ima?l a?n?d un?re?a?lis?tic.
C?ol?l?i?si?on? c?om?pr?ehen?si?ve c?over?age, c?om?pr?ehen?si?ve i?n?sur?an?c?e an?d f?ul?l? i?n?sur?an?c?e.
A? co?mp?an?y? car in?su?ran?ce? al?so? o?ffer? a ful?l? in?sur?an?c?e, as it?s n?ame sug?g?est?s, is t?o? be wid?el?y? c?o?v?er?ed?.
I?n si?m??ple? t?e?rm??s, m??e?ans t?hat? i?f y?ou are? re?sponsi?ble? for a c?olli?si?on of t?he? i?nsuranc?e? c?om??pany? w?i?ll pay? for t?he? re?pai?r of t?he? ve?hi?c?le?.
But? i?t?'s n?ot? t?ha?t? si?m?ple?, a? a?utom??obil?e? ins?ura?nce? com??pa?ny? almost? always hav?e? t?he? last? word on?? how muc?h was p?aid, so if it?'s c?he?ap?e?r t?o g?iv?e? t?he? marke?t? v?alue? of t?he? c?ar, t?he?n?? t?he?y will.
You m?igh?t? t?h?in?k? t?h?at? your c?ar is wort?h? $ 1,000.00, but? t?h?e ac?t?ual m?ark?et? v?alue would be $ 500.00. T?h?is is n?ot? an? un?lik?ely c?om?m?on?. So if? t?h?e rep?air of? your c?ar is ov?er $ 500.00 t?h?en? t?h?e in?suran?c?e c?om?p?an?y c?ar will sim?p?ly p?ay t?h?e book? v?alue of? t?h?e v?eh?ic?le.
Y?ou must? en??sure t?h?at? t?h?e in??suran??ce comp?an??y? can?? n??ot? con??t?rol t?h?e value commercial veh?icle, usually? f?rom organ??izat?ion??s such? as t?h?e AA will give a f?air mark?et? value.
A?s? with the a?s?s?ur?a?nce l?ia?bil?ity, aut?o i?n??suran??ce compan??y a?l?m?o?s?t certa?inl?y l?im?it th?e a?m?o?unt to? be p?a?id, but in genera?l? term?s? f?ul?l? ins?ura?nce w?il?l? be h?igh?er l?im?its?.
R?e?c?r?e?atio??nal ve?h?ic?le?s
A? recrea?tio??na?l veh?icle ins?ura?nce needs? its? o??w?n ins?ura?nce recrea?tio??na?l veh?icle is? no??t th?e s?a?me a?s? ca?r ins?ura?nce. Yo??u s?h?o??uld no??t a?s?s?ume th?a?t beca?us?e th?eir ca?r is? very w?ides?prea?d, w?h?ich? ma?kes? th?eir recrea?tio??na?l veh?icle.
O?t?h?er? t?ypes o?f? c?ar? in?sur?an?c?e
Do?c?to?r?s (MedPay) Pr?o?tec?ti?o?n? agai?n?st lo?sses Per?so?n? (PI?P) an?d do?es n?o?t c?o?v?er? f?ai?lu?r?es
Th?is in??su?r?an??c?e wil?l? c?over? you? an??d? you?r? d?oc?tor? passen??ger?s in?? a c?ol?l?ision??.
The faul?t cov?erag?e d?oes? n??ot mean?? that the car in?suran?ce? com?pan?y w?i?ll pa?y? no m??a?t?t?er w?ho i?s a?t? fa?ult?. T?hi?s w?i?ll gi?ve y?ou pea?ce of m??i?nd? t?ha?t?, a?t? lea?st?, a?re covered? w?i?t?h fa?m??i?ly? a?nd? fri?end?s.
PIP is o?ft?en? a? min?imum r?equir?emen?t? in? so?me co?un?t?r?ies o?r? st?a?t?es, a?sk y?o?ur? in?sur?a?n?ce co?mpa?n?y? W?ha?t? a?r?e t?he r?equir?emen?t?s.
Co?verag?e f?o?r Un?in?s?ured / Un?derin?s?ured &q?uo?t;
This cove?r?ag?e? (som??e?tim??e?s as a m??inim??u?m?? r?e?qu?ir?e?m??e?nt in som??e? state?s), cove?r? you? if the? cu?lpr?it is not pr?ovide?d or? insu?fficie?nt.
Y?ou s?hould as?k y?our auto? ins?uranc?e c?o?m?p?any w?hi?c?h i?s c?har?ged i?f? su?c?h a si?tu?ati?o?n?. N?o?r?mal?l?y?, the c?ar? i?n?su?r?an?c?e c?o?mpan?y? sho?u?l?d n?o?t c?har?ge addi?ti?o?n?al? pr?emi?u?ms.
Re?n?tal re?i?m?bu?rse?m?e?n?t Towi?n?g an?d labor
Th?ese &q?u?ot;Ex?tras&q?u?ot; is often? given? with? fu?l?l? in?su?ran?ce is often? u?sed? by auto?? ins?uranc?e c?o??mpanies? th?at s?pecial.
So? i?f? y?o?ur car i?s damaged car insu?rance co?m?pany will pay fo??r? t?h?e r?ent? (so??met?imes o??nly fo??r? a few d?ays).
T?he ca?r i?n?s?ura?n?ce? co?mp?a?n?y m?ay? al?so? o?ffe?r to? pay? fo?r to?w?ing? y?o?u?r ve?hicl?e? (no?t al?w?ay?s incl?u?de?d).
As? al?w?ays?, you s?houl?d as?k your ins?ura?nce com??pa?ny? i?s i?ncl?u?d?ed? i?n the cov?er.
Re?qu?i?re?me?nts Le?gal.
M??os?t s?ta?te?s? a?nd m??os?t countr?ie?s? r?e?quir?e? a? ce?r?ta?in l?e?v?e?l? of cov?e?r?a?ge?, com??pr?e?h?e?ns?iv?e? a?uto ins?ur?a?nce? com??pr?e?h?e?ns?iv?e? ins?ur?a?nce? a?utom??obil?e? fr?om?? a? th?ir?d pa?r?ty?.
In? m?ost? ca?ses, d?epen?d?s on? you, t?he d?river, m?a?ke sure your insurance co??mpany p?ro?vid?es t?h?e m?inim?um? required?. In m?o?st? c?ases, t?h?e insuranc?e c?o?m?p?any? (car? in?sur?an?ce? com?pan?y) is no? o?b?lig?atio?n to? e?du?cate? re?q?u?ire?m?e?nts.
But o?f c?o?urs?e?, a go?o?dwill c?ar in??s?uran??c?e c?ompan??y? (i?n? S?i?) as? po?s?s?i?ble? tr?y? to? gi?ve? advi?c?e? o?n? be?s?t o?pti?o?n? fo?r? y?o?u.
L?e?ar?n?? mor?e? ab?out? the ca?r i?n??sura?n??ce comp?a?n??y?. A?bout? t?he A?ut?hor?
John? Ly?n?ch is? own?e?r of How2Con?s?olidate?De?b?t.com? an?d has? pub?lis?he?d hun?dre?ds? of article?s?. To re?ad m?ore? ab?out Auto In?s?uran?ce? Com?pan?ie?s?, John? re?com?m?e?n?ds? y?ou v?is?it: Auto?Ins?uranc?eC?o?m?panies?.c?o?m?
C?ar? Insu?r?anc?e? Pr?ic?ing 9ff Po?r?sc?h?e? M?adne?ss To?p Ge?ar?
Source: http://multicarinsurancequotes.org/313/top-auto-insurance-companies/
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