What is auto insurance? What will the car insurance cover?

The auto insurance companies that cover you and your passengers in the event of an accident. But it’s up to you to decide on the level of coverage you will get.

And it will cover the damage to their property by the company? And it will cover all passengers or only your family? What if your daughter was driving your car?

What are the questions you should ask the insurance company in your car when it comes to the subject of car insurance? This article will help you to choose among several insurance policies.

Types of Auto Insurance

Liability insurance, insurance or a third party.

This year, the lowest form of insurance offered by the auto insurance company. This is the basic insurance if you are involved in an accident, and has proven to be your fault, the insurance company in the car and pay compensation to the other party.

Usually it puts the cover provided by the auto insurance company in advance. This is the maximum amount the insurance company pays the car accident

For example agent will agree to cover the $ 10,000 per person (injury) and / or coverage of $ 40,000 in bodily injury and / or $ 10,000 in property damage in an accident

Please confirm with the insurance company will cover your car so what the limits are.

They can offer a very low premium for some car insurance companies only to realize that the cover is minimal and unrealistic.

Collision and comprehensive coverage, insurance and comprehensive insurance and full

Car insurance company also offers insurance, as the name suggests, will be a wide coverage.

In simple terms, it means that if I was responsible for the collision and the insurance company will pay for car repair.

But it’s not that simple, and the car insurance company is almost always the last word on how much will be paid, so if it was cheaper to give the market value of the car, then they will.

You may think your car is worth $ 1,000.00, but the actual market value may be $ 500.00. This is not a common scenario. If so, fix your car more than $ 500.00 then the company will pay auto insurance simply carrying value of the car.

You should make sure that the insurance company does not have control of the market value of the vehicle, usually bodies such as the AA will give you a neutral market value.

As is the case with liability insurance, the auto insurance company will almost certainly limit the amount they will pay, but overall, the general insurance has the highest limits.

Recreational vehicles

Entertainment has its own needs car insurance and vehicle insurance entertainment is not the same as car insurance. You should not assume that your car is insured destruction, and so is your vehicle entertainment.

Other car insurance

Medical (MedPay), personal injury protection (PIP) and the lack of cover error

Be sure you and your passengers covers medical expenses in case of a collision.

Cover means any error that the auto insurance company will pay regardless of who is at fault. This gives you the reassurance that at least cover your family and friends.

Often PIP minimum requirements in some countries or states, ask your insurance on your own rental company What are the requirements.

Cover drivers Uninsured / underinsured “.

This cover, (as sometimes the minimum requirements in some states), will cover if the guilty person is not insured or underinsured.

You should he ask the insurance company will charge your car in case of a situation of this kind. Usually, insurance company should not charge additional car some raw.

Payment of income, towing and labor

Often, they are given these “extras” with insurance often used by auto insurance companies also special offers.

Even if your vehicle is damaged and the company will pay auto insurance to cover the cost of rent, (sometimes only for a few days).

Auto insurance company may also offer to pay to remove his car (it is not always included).

As you always have to ask the insurance company what your car is included in the cap must.

The legal requirements.

Most states, and most states require a certain level of coverage, third party car insurance car insurance all risks.

In most cases is you, the driver, to ensure that the insurance company in their cars will provide the required minimum. In most cases, the insurance company (auto insurance) are not obliged to inform you of the requirements.

But, of course, a good auto insurance company and (should be?), Trying maximum to advise on the best deal for you.