AUTO CAR INSURANCE

Basics Of Auto Insurance Coverage

Basics Of Auto Insurance Coverage - If you are going to take an auto insurance policy, you need to know about the different types of coverage you can get, so that you are well informed before you take out the policy. Heres a list of coverage you can get with your auto insurance policy:

Property Damage Liability Coverage - This coverage steps in when you accidentally damage someone elses property (for example, their home fence, car or par of their home like a wall), in a collision. If you are caught in a lawsuit for property damage, this coverage will pay for the lawsuit expenses as well. The amount of coverage depends on the limits you have opted in this coverage.

Bodily Injury Liability - This coverage pay for injuries caused to someone else, (for example, lost wages or medical expenses) in the event of an accident. Lawsuit expenses are also covered under bodily injury liability.

Personal Injury Protection (PIP) - This are also known as Medical Payment Insurance or Med pay. It provides for medical expenses, lost wages and other similar expenses caused by an accident in which there is serious bodily injury. This is a no-fault coverage, meaning it does not require establishing whose fault the accident is, before paying out.

Comprehensive Coverage - This coverage provides for damages occurring to car as a result of events such as theft, flood, fire and so on. In other words this coverage caters to those events that damage you car, other than a collision.

Collision Coverage - This coverage provides for damages occurring to your car as a result of a collision. Collisions can happen when you car strikes another vehicle hits and object or is struck by another vehicle.

Underinsured Motorist Bodily Injury Coverage - This coverage pays for expenses (for example, medical bills, lost wages) that occur as a result of injuries or death when a driver with insufficient insurance coverage causes an accident with your car. The amount you receive is the difference between your coverage and the bodily injury coverage offered by the other drivers policy.

Uninsured Motorist Bodily Injury Coverage - This coverage pay for expenses (for example, medical bills, lost wages) that occur when a driver with no insurance coverage causes an accident with your car. The amount you receive is the limits of the coverage.

Underinsured Motorist Property Damage Coverage - This coverage pays for damages (Repair and Replacement) that occur to your car when a driver with insufficient insurance coverage causes an accident with your car. The amount you receive is the difference between your coverage and the property damage coverage offered by the other drivers policy.

Uninsured Motorist Property Damage Coverage - This coverage pay for expenses (Repair and Replacement) that occur when a driver with no insurance coverage causes an accident with your car. The amount you receive is based on the limits set by the policy.

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These are the basic types of coverage you need to know before to sign up for an auto insurance policy. Added coverage includes towing and labor costs, rental reimbursement and gap converge. However, before you take up the policy consult on details of the coverage you opt for because laws vary from state to state and you should be aware of all terms and condition before committing to the insurance policy.

By Susan Canepari

How to Understand Auto Insurance Coverage

12:30:00 AM auto , auto car insurance , Auto Insurance , Auto Insurance Coverage , Coverage , Insurance Coverage

How to Understand Auto Insurance Coverage - Although many people hate to deal with it, everyone who drives needs auto insurance coverage of some sort. You typically have to have liability at the least. However, if your car is new, you will probably need full coverage if it is not paid for. So what type of auto coverage do you currently have? Naturally everyone wants the lowest rate possible, but many people are paying quite a bit more than they have to. Are you one of them? If you are not sure, then it is high time to stopped to think about your current auto insurance coverage company, and what you are paying them each month. After all, there is absolutely no reason why you should be forking out more than you actually have to. This is like throwing cash in the garbage can.

It is not difficult to access simple websites online these days to learn more about the insurance policies they have going. However, since there are a number of these, this can make it more difficult to find the right auto insurance coverage policy that suits you and your needs. One thing you have to realize right away is that insurance in general is high priced. There fore you can certainly expect to pay a significant amount more than you likely want to. The typical argument is that you never actually use it. Well, hopefully you will avoid all accidents for the rest of your days. However, this may not be the case. Although most people certainly do not want to get into a car wreck or fender bender, if it does occur, you will be glad you have great auto insurance coverage. This will make all the difference in how much you have to pay out.

There are some simple websites that can assist you with auto insurance coverage, such as Allstate.com, LibertyMutual.com, and Esurance.com. Check out all of these to get a better understanding of the coverage options and plans they have going. The key is to explore all that is out there first. Think about the kind of coverage you need. Now factor in any other people who may be on the plan with you. Remember that if your vehicle is totally paid for, you do not have to get full coverage, which will save you a lot of money. Other factors that reflect your auto insurance coverage costs are your driving record, past accidents, and even speeding tickets. All of these things can make your costs go up.

It is a cinch to get a free quote on auto insurance coverage anytime. This can actually be done online right through the insurance company's official website. It is prudent to pull up several of these or all that you know of. This way you can punch in your information and get a quote from each company regarding their rates and how much it is going to cost you each month with their plan.

By Marquis Van De Mark

Cara Menangani Insiden Kecelakaan Mobil

12:30:00 AM auto insurance rates , Automobile , Insiden , Insiden Kecelakaan Mobil , Kecelakaan , Mobil

Cara Menangani Insiden Kecelakaan Mobil - Kebanyakan insiden benturan mobil tidaklah fatal dan hanya mengakibatkan kerugian dari segi kosmetik kendaraan atau kerusakan mesin pada satu atau beberapa mobil. Walaupun rasa takut atau bingung mudah muncul setelah terjadinya insiden tersebut, ingatlah bahwa Anda terlibat dalam sebuah proses hukum. Lengkapi langkah-langkah yang diperlukan berikut ini, baik Anda dalam keadaan salah atau pun tidak, untuk memastikan hasil yang baik.

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Segera Bertindak setelah Terjadi Insiden

1. Menepilah ke sisi jalan. Dengan menghindari arus lalu lintas, Anda akan mengurangi risiko kecelakaan dan tabrakan beruntun. Pastikan Anda menepikan kendaraan Anda ke tempat yang aman saat Anda dan pengemudi lain keluar dari mobil.

2. Perhatikan lokasi menepi mobil satunya. Jika mobil tersebut tidak menepi, cobalah untuk melihat dan mengingat nomor plat kendaraan saat Anda sudah menghentikan laju kendaraan Anda di sisi jalan. Catat nomor plat mobil tersebut sesegera mungkin.

3. Hidupkan lampu tanda darurat (lampu hazard).

4. Cek para penumpang dan diri Anda sendiri jika ada yang mengalami luka.Anda perlu melaporkan adanya luka ke pusat layanan darurat (112), jika paramedis perlu dihubungi.

5. Hubungi pusat layanan darurat. Jika ada kekhawatiran akan adanya kerusakan pada mobil akibat insiden ini, polisi akan berperan sebagai pihak netral dan mendokumentasikan tempat kejadian insiden. Jika pengemudi satunya kabur, Anda bisa memberitahukan nomor plat mobilnya saat polisi tiba.

Adakalanya insiden kecelakaan yang terjadi benar-benar kecil sehingga pihak-pihak yang terlibat bisa melewati langkah ini dan cukup bertukar informasi asuransi mobil. Pertimbangkan opsi ini hanya jika kedua pihak setuju dan sekiranya tidak terdapat risiko cedera.

Berkomunikasi dengan Pengemudi Lain

1. Cari saksi mata. Beberapa warga dan pejalan kaki di sekitar lokasi mungkin akan mendekat untuk memeriksa apakah semua orang di mobil baik-baik saja setelah terjadinya insiden. Jika perlu, mintalah mereka tetap berada di lokasi insiden untuk memberikan keterangan pada polisi nanti.

2. Keluarlah dari mobil, jauh dari arus lalu lintas. Ambil beberapa napas dalam dan cobalah untuk tidak marah saat berinteraksi dengan pengemudi lain. Ketenangan diri akan meminimalkan perselisihan lain yang mungkin terjadi.

3. Perkenalkan diri Anda ke pengemudi mobil satunya. Jangan mengakui kesalahan jika Anda tidak begitu yakin dengan situasi insiden tadi.

4. Katakan pada si pengemudi bahwa Anda berniat untuk bertukar informasi asuransi. Ambil informasi asuransi dari mobil atau dompet Anda. Ambil juga ponsel atau bolpoin dan kertas yang bisa Anda gunakan untuk mencatat informasi asuransi pengemudi lain.

Jika pengemudi tersebut tidak memiliki asuransi, tanyakan namanya, nomor SIM, nomor plat mobil, alamat, dan nomor yang bisa dihubungi. Pengemudi tersebut akan menghadapi konsekuensi hukum dan Anda bisa melaporkan informasi ini ke polisi.

Jangan membuat kesepakatan apa pun untuk penggantian berupa uang tanpa memberitahu perusahaan asuransi, bahkan jika Anda yang salah dalam insiden ini.

5. Gunakan ponsel Anda untuk memotret foto kedua mobil dan tanda-tanda jejak pengereman roda. Anda bisa memberikan foto-foto ini ke perusahaan asuransi Anda. Polisi kemungkinan akan mendokumentasikan foto sendiri, jika mereka dipanggil.

Jangan mengganggu arus lalu lintas saat pengambilan foto.

Berkomunikasi dengan Perusahaan Asuransi

2. Tunggu sampai polisi mengijinkan Anda pergi. Mintalah salinan laporan polisi. Buatlah catatan berisi nama, wilayah tugas, dan nomor lencana petugas polisi tersebut sehingga Anda bisa melacaknya.

3. Cek bersama dengan pengemudi lain sebelum Anda pergi. Jangan tergesa-gesa meninggalkan lokasi insiden, atau Anda akan terlihat seperti sedang berusaha lari dari situasi.

4. Hubungi perusahaan asuransi Anda.Lihat nomor “klaim/jika terjadi kecelakaan” di kartu asuransi. Anda mungkin perlu mencatat nomor ini ke ponsel untuk memudahkan Anda.

Pelaporan insiden kecelakaan ke perusahaan asuransi tidak hanya akan melindungi kendaraan Anda, tetapi juga akan memberikan kesempatan pada perusahaan asuransi Anda untuk bersiap membantu memberikan keterangan di pihak Anda.

Tips

Sebanyak kurang lebih 15 persen pemilik mobil tidak memiliki asuransi. Pencatatan nomor plat mobil, nomor model, dan nama pengemudi akan membantu Anda dalam menghadapi pengemudi mobil yang tidak berasuransi.

Hal yang Anda Butuhkan

Ponsel
Laporan polisi
Kartu/informasi asuransi mobil
Kertas
Bolpoin

BEST CAR INSURANCE

9:22:00 PM Affordable Car Insurance , Auto Insurance , Best Car Insurance , Car , Car Insurance , Insurance

BEST CAR INSURANCE - If you have any type of car and are searching for the best type of car insurance, what you have to remember is that there is absolutely nothing that exists such as the best car insurance. Although there might be thousands of insurance companies that are available on the internet, what you have to remember is that every insurance is not capable of providing a package that is best suited to the needs and desires of every user. Considering the fact that every users desires are different, it means that there will never be any type of best car insurance policy as there are many types of factors that affect a user’s decision including the type and price of a policy.

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In fact, there are many times when a cheap insurance policy can end up being the most expensive on account of the fact that there are many different types of sub parameters that have to also be taken into consideration. When you are looking for the best car insurance, what you have to remember is that you need a type of policy that is specifically customized to meet all your needs and desires.

THE BEST INSURANCE FOR YOUR CAR

When you are on the lookout for car insurance, the type of insurance that you will get mainly depends upon how much is the specified value of your car. If you have a car that is only worth £1000 then it is best that you choose any type of fire and theft cover as there are the two that are most likely. Such a type of insurance would be best as you can be well protected from any type of theft or fire that might occur. In such a manner, you can be sure that your car will be covered by the claims should you be a victim of theft or fire.

On the other hand, if your car is only worth around £800 then it might not be worth it to apply for any type of insurance as the amount of premium that you will have to pay per year might in fact be much more than the overall cost of the car. So ultimately, the overall decision rests in your hands as to what will be the best decision to choose.

THE NUMBER OF DRIVERS TO YOUR INSURANCE CAN ADD TO THE OVERALL COSTS

If you are searching for the best car insurance, you need to remember that the amount of premium that you pay for your car would effectively depend on the price of the car as well as the number of drivers of the car. What you have to remember is that the more the number of drivers of the car, the greater would be the overall premium cost that you have to pay back. In fact, if the value of the car is more than £5000 and there are many drivers of the car, then it is best that you choose a type of comprehensive insurance. The best way in which you can create additional savings is to reduce the number of drivers of the vehicle. Another option that is available is to start using temporary insurance for additional drivers instead of having them included in the very same insurance policy.

CHOOSING THE INSURANCE COVER AS PER ONE’S AGE

Many of those that start applying for any insurance cover are usually young drivers that are inexperienced in driving. Most probably, you would be an inexperienced driver who is trying to apply for insurance. In this situation, there are certain things that you have to do to keep the costs as low as possible. The best thing that you can do is to use a third party cover as this is what can lower your overall premium immensely.

Another issue that you have to consider is the fact that most inexperienced people often choose an inexpensive car and as such, the overall cost of the insurance premium will be much lower than expected.

If however you have an expensive car, your overall coverage would be much more but the best way that you can lower this cost is by being an experienced driver as the more the amount of experience you have, the greater the chances are that your overall premium levels will be reduced. One of the best options that an experienced user can do is to start using comprehensive cover as the overall damage that is suffered by your car would be taken care of irrespective of any accident that your car might suffer. In fact, even any damage suffered by other vehicles would also be taken care of. Personal injury and windscreen damage are automatically cared for with such types of comprehensive covers.

Another way that you can lower your overall premium is by having a much better driving record and not having any types of bonus claims. If you have such a record, then there are increased chances that your overall cost of the premium will be much less. You must also remember that many different companies offered different types of quotes about the best car insurance you can choose. It is also always best that you enquire that the best car insurance you are choosing is comprehensive in offering you everything that you need to ensure that in future there would not be any problems.

Insurance Policy?

5:25:00 AM Affordable , Car Insurance , Insurance , Insurance Policy , Policy

Do you know your Insurance?

Have ....Y-O-U... Read Your Insurance Policy?

1/3 of drivers have never read their car insurance policy, according to a poll done for the Insurance Bureau of Canada. Of those polled only about

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½ of the people could only explain 3 basic terms:....claim....deductible..and premiums.

For most people, automobile insurance is a mystery. They don’t understand it until something happens directly to them!

Your car is one of the most valuable assets. But, it is also one of the most..dangerous. Dangerous in terms of the harm it can cause (when there’s an accident) to your financial security, as well as, the physical and emotional damage to your self and loved ones.

People are often confused when they are told they are " at fault" or "partially at fault" in a vehicle accident. "I thought Ontario had no-fault insurance!" How can I be at fault!

The "no-fault" concept applies only to bodily injuries suffered by the drivers or passengers in the car accident. Benefits would be paid by the insurance company no matter who caused the accident. However, the damage to your automobile is assigned fault to one or other of the drivers even though you make your claim against your own company.

And that’s not all! Drivers may share a percentage of the blame or fault. Rules have been established by the government to assign percentages in some circumstances. The "Fault Determination Rules" are not related to any charges laid by the police.

Its important that you read and understand the coverage that your carry on your insurance. If you don’t understand then call your broker and have all your questions answered. Know your rights.....

And know your obligations. Don’t have any surprises when you have a claim!

Tips To Protect Yourself from Parking Lot Break-ins

5:16:00 AM Parking Lot Break-ins , Protect

Safety Tip!

Thieves often watch shoppers take parcels to their cars. They know once a customer returns to the mall, they will have a few moments to make their move. So ...if you have more shopping to do, it would be wise to move your vehicle to a completely new location in the parking lot. Any thieves watching will think you have finished your shopping for the day and will focus their attention on other potential victims. I know this is a hard concept to do, but, it certainly is better than coming out to find your window broken, truck pried open and your parcels all gone. It can happen in a matter of seconds!

Some Tips To Protect Yourself from Parking Lot Break-ins

Make sure you don’t become the next victim of a parking lot break-in. Here are some tips to help keep you, your family and vehicle safe from break-ins at shopping malls and parking lots.

Always park near other vehicles and in well lit areas, if possible near the front of the stores and roadways.

Do not park next to large vans or trucks that can block your vehicle from plain view. Thieves will often use large vehicles as cover to break into unsuspecting cars.

Never leave children unattended at any time. Even for a matter of seconds.

Common sense dictates that you should never leave your vehicle running or even leave the keys in the ignition, however, it frequently does happen. Probably a lot more than you think and of course the vehicles get stolen. So why make it easy for the thief! Also don’t do it even to run into a corner store. Also, you would think that common sense would stop you from leaving a wallet or purse in the car but people still do it.

Never leave items inside the vehicle in plain sight for people looking in the car. Parcels, cell phones, brief cases, suit cases, sports equipment such as golf clubs, portable CD players and even CDs left in the open are a calling card for thieves.

Remember, the safest place to leave parcels and valuables is in your trunk and out of clear sight. Follow these simple precautions and your items are more likely to reach their intended destinations with you and........... you will avoid being a victim of a parking lot break-in.

AUTO CAR INSURANCE

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