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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{ 17 comments… read them below or add one }
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Now I dont mean to be a mean bad guy here but Isnt US insurance going downlhill? What do you think? Now I mean first it was bailing those greedy insurance companies and now lack of total responsibility towards an ethical insurance towards the poor. Where is Uncle Sam Heading?
Different people have different opinions. Some people think just like you. It’s OK. Do we as consumers need insurance? Of course! There is a lot of misconception about insurance. Besides, a lot of people need unbiased opinion and simple facts about insurance, and auto insurance in particular. I am pretty much fed up about certain things that have to do with auto insurance.
Stop by often to find out what those things are.
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Thank you, we appreciate your comments. So that you know, exchanging links is absolutely useless and adds no value to either website. If you vote for me by placing your link, it is valuable. If I do the same for you, my vote will de-value your vote. Do you see my point? One way links are valuable, not mutual links. Thanks for stopping by.
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Thanks alot : ) for your post. I’d really like to say that the cost of car insurance varies greatly from one insurance policy to another, mainly because there are so many different issues which contribute to the overall cost. One example is, the brand name of the auto will have an enormous bearing on the cost. A reliable ancient family vehicle will have a less expensive premium when compared to a flashy racecar.
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Nancy.R
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