Know your first cover types
What is your car insurance properly insured? While buying asingle insurance policy for a specific vehicle, a number of factors make the final cost:
Responsibility for injury: Covers claims for injury and deathagainst you, and court costs if you hurt your car or kill someone.
Property damage liability: Covers claims for property damageyour vehicle in an accident. Because liability insurance protectsthe other party, it is necessary in only three states.
Medical Expense: Pays for injuries to yourself and to the occupants of the car. This step is optional in some states. In"no fault" means protection against injury replaces medical payments as part of primary care.
Protection against uninsured motorists: Covers injuries to you or occupants of the car by uninsured driver or hit-and-run."Under-insured" coverage is also available to cover claims against a driver who has insufficient insurance can do. In some states, no less than 30 percent of drivers are uninsured.
Collision insurance: covers damage to your car than its book value. Collision insurance has a deductible, which must be the amount you pay per claim before the insurance takes effect.The lower part of the deductible, the higher the premium.Although the legal option, a bank or leasing company usually requires collision coverage.
Global (damage): Covers damage to your car against theft,vandalism, fire, wind, water, and other non-accident causes.Also includes a full franchise.
What is your car insurance properly insured? While buying asingle insurance policy for a specific vehicle, a number of factors make the final cost:
Responsibility for injury: Covers claims for injury and deathagainst you, and court costs if you hurt your car or kill someone.
Property damage liability: Covers claims for property damageyour vehicle in an accident. Because liability insurance protectsthe other party, it is necessary in only three states.
Medical Expense: Pays for injuries to yourself and to the occupants of the car. This step is optional in some states. In"no fault" means protection against injury replaces medical payments as part of primary care.
Protection against uninsured motorists: Covers injuries to you or occupants of the car by uninsured driver or hit-and-run."Under-insured" coverage is also available to cover claims against a driver who has insufficient insurance can do. In some states, no less than 30 percent of drivers are uninsured.
Collision insurance: covers damage to your car than its book value. Collision insurance has a deductible, which must be the amount you pay per claim before the insurance takes effect.The lower part of the deductible, the higher the premium.Although the legal option, a bank or leasing company usually requires collision coverage.
Global (damage): Covers damage to your car against theft,vandalism, fire, wind, water, and other non-accident causes.Also includes a full franchise.
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