This article is intended not only for those who receive auto insurance for the first time, it is for those who pay for auto insurance. By the time you pass this article, you should have a basic understanding of the types of insurance available. Then you can add or remove certain
Your policy is based on your needs.
Do not you remember that when you approached legal driving, you heard, sometimes very loudly from your parents, how expensive car insurance was. If you have children who already have or will soon be traveling, you will probably make the same comment for them. Most of us had a horror in their hearts that the insurance company could not cover. And especially what happens if you get into an accident. However, what you have rarely heard are subtle little things that could save you a lot of money if you need it.
It really helps if you know the basic coverage that comes with your insurance policy. For example, it is important to know that injuries and property restrictions are your RESPONSIBILITY to another driver if you are right to be guilty. You will not get anything under this coating. And we all know that a collision cover for your car, if you damage it,
choose what you decide to pay yourself. Comprehensive auto insurance basically covers what happens to your car while you are NOT driving. But what about medical fees? The auto insurance company pays your medical bills ONLY,
if you are injured. BUT, it also covers you if you are injured near your car, on the way to your car or from your car to your home.
Many states offer personal injury protection (PIP), which pays medical bills. But it also covers “small” things, for example, hiring someone to clean a house, cook, do what you want.
usually do, but now can not do because of the accident in which you were. In some states, you can even buy BOTH Medical Payments and PIP for the same car insurance.
Who pays for the personal items you have in your car? I can tell you from personal experience and recently talk to my insurance company, the auto insurance company will not pay for personal items in your car! If the item in your car cannot be considered an accessory or something just for use in
car, you will have to refer to your homeowner's reimbursement policy. However, I highly recommend that you DO NOT CALL your homeowner's insurance company if you are NOT SURE that the loss is greater than your deductible. Believe me, sometimes it seems that insurance companies make a list by checking
this is twice, and then enough as much as your salary as possible.
Why is it important to know what you are not getting on your insurance policy? Did you know that you can rent a car when your car is under repair after an accident? Well, this is true, but only if you have a “compensation of hire” in your policy. If you do not have this coverage, you do not have a rental car. A good insurance agent or company will indicate this.
you, often a telephone operator, cannot!
More and more cities are making laws on mandatory towing. If you break in the high traffic zone, you are towed, whether you like it or not. And in most cities you will be billed. So who pays? If you choose “towing and labor” coverage, then your auto insurance company will. Otherwise, you will have to pump money. That's why I wear AAA. AAA provides free towing at a limited distance (usually to the nearest service station).
Let's face it. Auto insurance is like an exercise. Painful, but necessary. And if you do not do your homework, you may be caught short because someone wants to give a low rate instead of being sure that you are fully covered. Read what you are buying. Consider your options and what will happen without a specific insurance coverage. Then pray that you will never have to use your insurance!
