What car insurance? What is covered by auto insurance?
Auto insurance companies cover you and your passengers in case of an accidente.Pero is you decide the level of coverage that you get.
Will it cover damage to your property with the company? it will cover all passengers or their family?What if her daughter was driving his car?
What questions ask your auto insurance company when it comes to car insurance? this article that you choose between the different policies of insurance help.
Types of car insurance
Insurance of civil liability, or third party insurance.
This is in general lower form of insurance offered by auto.Esto insurance company is basic, insurance if you're involved in an accident and it has been shown that blame the auto insurance company will pay damages to the other party.
The coverage offered by the company auto insurance usually set previamente.Se trafficking in the maximum amount to be paid to the car accident insurance company
For example the agent will agree on coverage of $10,000 per person, (bodily injury) and/or $40000 in bodily injury and/or $10000 in damage to property by accident coverage
Need confirm with your car insurance company that covers and what the limits.
You could be offered a very low premium for any auto insurance company only to realize that your coverage is minimal and unrealistic.
Full comprehensive insurance, comprehensive insurance, collision and comprehensive coverage
You insurance Auto company will also offer to comprehensive insurance, as the name suggests, are covered widely.
In simple terms this means that if you are responsible for a collision insurance company will pay for the repair of the vehicle.
But it is not so simple, an auto insurance company will almost always have the last word on how much will be paid, so if it is cheaper to give the value of the car market, do so.
One might think that your car is $ value exceeds, but the real market value could be $500.00 this is not an uncommon scenario.Therefore if repairing your car is more than $500.00, below, the auto insurance company simply pay the accounting value of the car.
Make sure the insurance company is not in control of the automobile market value normally organizations as the AA will give a fair market value.
With the third insurance, auto insurance company will almost certainly limit the amount to be paid out, but in general terms, a comprehensive insurance will have higher limits.
Recreation vehicle
A recreation vehicle requires its own insurance, recreational vehicle insurance is not the same safe car.
Do not assume that already widely is secured his car, so is your recreational vehicle.
Other types of car insurance
Medical (MedPay), protection of lesions of the person (PIP) and not cover faults
This insurance will cover you and passengers in the event of a collision medical expenses.
The no cover error means the car insurance company will pay regardless of that it is culpable.Esto will give the piece of mind that, at least, his family and friends are covered.
PIP is often a minimum requirement in some countries or States, ask your auto insurance company requirements.
Coverage not insured/Underinsured drivers
This coverage (also sometimes a minimum requirement in some States), will cover you if the guilty person is not insured or is subasegurada.
What you will be charged in case of such a scenario, you should ask your auto.Normalmente insurance company auto insurance company should not charge you some additional premiums.
Reimbursement of rent, towing and labor
The 'extras' given often with comprehensive insurance is often used as special auto insurance companies.
By what should your car is damaged the car insurance company will pay for rental, costs (sometimes only for a few days).
The auto insurance company could also offer to pay for the towing of your vehicle (not always included).
As always you should ask your auto insurance company that is included on the cover.
The legal requirements.
Most States and most countries will require a certain level of third full wide car car insurance insurance coverage.
In most cases is up to you, the driver, make sure that your auto insurance company offers you the minimum requerido.En the majority of cases the insurance company, (auto insurance company), is not obliged to indicate the requirements.
But, of course, a company car insurance good, (what should?), try to his major to advise you on the best treatment for you.
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