One More Time About Auto Insurance Policy

by Alla Goltsman · 13 comments

What Is All This Auto Insurance Policy

Mumbo-Jumbo?

Auto Insurance Policy is just an arrangement between you and your insurance firm. You pay your insurance company the determined amount of money. The auto insurance protects you in case of an auto accident. This way, you, the insured will not sustain major financial losses in case the auto accident happens. I sure would be facing major financial losses if I did not have good auto insurance policy back in 1984, when my Car Horror Stories happened.

Do I Really Need an Auto Insurance Policy?

Unfortunately, auto accidents happen. When I start recollecting how many accidents I witnessed and what they were, there is no doubt in my mind, I do need auto insurance and so do YOU.

I remember some auto accidents very vividly even though they happened many years ago. One accident was really horrible. I saw the car after the accident. The top part of the car was missing altogether. It was shaved off. I saw a piece of a driving wheel sticking out. That meant that the driver was most likely killed instantly. He lost his head. Accidents happen to the best drivers. And yes, we all need auto insurance.

Auto Insurance helps to cover repairs to your car. It also covers medical costs. Do you want to face an economic disaster? I thought so. Then you need to have an auto insurance policy. It will surround you with a firewall against property damage or injuries to other people in case the car accident does happen.

What Auto Insurance Coverage Do I Get With My Auto Insurance Policy?

Each auto insurance policy is just a bunch of various auto insurance primary coverages. These coverages vary depending on the state where you live. Please, remember this AutoInsuranceSane.com blog will only cover USA. I live in USA and all I know is how auto insurance works in USA. At different times I will be writing about different states. I will make sure, I will write about any weird thing I find if it has to do with auto insurance, no matter in what state it happens.

What Kind Of Coverages Exist?

Medical payments, no-fault or personal injury coverage: this coverage usually pays for the medical expenses of the driver and passengers of your car that happened as a result of a covered accident. It does not matter whose fault it is.

Property damage liability coverage provides the insured person with protection in case the automobile accidentally damages another person’s property. This coverage also pays for your legal defense.

Collision coverage: this coverage pays for damage to your car when it hits or is hit by another object.

Uninsured motorist coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or under insured or a hit-and-run driver. This is for cases in which the at-fault driver has insufficient insurance.

Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.

Comprehensive physical damage coverage – pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.

In addition to all these coverages, majority of insurance companies also offer:
Rental Reimbursement
Mechanical Breakdown Insurance
Emergency Road Service

A Word Of Warning

Just in case you want the insurance company to pay for a car that you vandalized yourself – that’s not happening. Do not do it!!! The insurance companies have investigators that watch, investigate and make movies of you if they need. Those folks are sharp!

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Car Horror Stories and What YOU Can and Should Learn

by Alla Goltsman · 64 comments

in Car Horror Stories

Stupid Mistake

Today, more than 20 years after it happened, I can speak about that dreadful car horror story without breaking into cold sweat.

That day I wanted to drop off my clothes at a dry cleaning store. I had my hands full. I got into the car and started it. It was an old used Ford Crown Victoria.

Now I need to tell you about that car. It was so old! But that was not the worst part. It was an old yellow New York City taxi cab. It was my first car and it was a Ford Crown Victoria car. I just learned how to drive. I was still scared to death to drive. My friend’s father gave me the car. It was not good anymore to be driven as a taxi cab in New York City but it still moved. I liked the car for that reason: it moved. But other than that I was not crazy about it. It was huge. I could hardly reach the gas pedal and the break only if I put a huge pillow behind my back. Besides, it was yellow and a lot of people could not understand what I was doing driving a taxi cab.

Ford Crown Victoria Problems

Anyway, that miserable day I stepped out of the house with my hands full of clothes. I started my Ford Crown Victoria car and then decided to put the clothes into the car trunk. I stepped out of the car with the car running in the parking position. BIG MISTAKE!!! The car started moving. I started running trying to catch it. I wanted to jump into the car to stop it. Alas! I could not catch the car. Pretty soon I realized that if I did not stop running trying to catch my bad-behaving Ford Crown Victoria car, I would be killed. I stopped running and stepped away. The car was moving faster and faster. The transmission was still in parking position. I could see it. It started hitting other cars.

People started looking out of their windows cursing me. I did not hear everything people were yelling at me, but what I heard, was very sophisticated cursing. My car was hitting their cars and they were mad. The car was also hitting dumpsters and making a lot of noise

One of a sudden I saw a car moving right in front of my car. What happened next was incredible. That car hit my car and both stopped. As I found out later, the guy that stopped my car was taking a shower. He heard the incredible noise, jumped out of the shower, jumped in his own car and stopped my moving car with his own. He was a HERO! I wish I remembered his name. Hopefully, if he reads this story, he will drop me a line.

By the time the HERO stopped my car, somebody called police. Nobody was hurt. Later I found out that Ford Crown Victoria car had a transmission problem and it was not the first accident of the same nature. I had to say ‘good bye’ to my Ford Crown Victoria car and buy a new car. But that’s another story.

A Lesson Learned

Needless to say, my car insurance went up. I don’t remember how many car damage claims were made. I think it was something like 10 car damage claims. I was so happy I had car insurance.

I never ever in my life after the accident stepped out of the car while it was running. No matter what the circumstances are, I turn the ignition off and only then I step out of the car. I learned my lesson. I hope that YOU learned a lesson as well.

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