Understanding You Car Insurance
Car is a vehicle that everyone wants to own because of the comfort it provides and the ease in commuting
. Many people prefer buying cars because of its increased efficiency and easy transportation. With a car you must also have a car insurance because it will help you secure against unanticipated accidents and collisions. Insurance gives you financial assistance in case of unforeseen situations. We cannot predict future and do not know what is going to happen the very next moment. It is random and the best we can do is to get ourselves insurance. Here are few kinds of car insurances available:Liability Insurance:
In this kind of car insurance bodily damages or property damages are covered while driving. Any kind of harm or damage caused to you or passerby because of carelessness or unexpected natural force is covered. The damaged caused by you will be paid by your insurer and you will have to take care of the deductible part. The deductable amount usually ranges from $100 to $1000.
Collision Insurance:
Collision insurance covers for loss and harm caused when your car collides with a property or another car. This insurance type covers for all the damage over the deductible amount up to the maximum value of the policy but you cannot intentionally hit a car into a tree because you need quick dollars. The insurance company would be paying you only after investigating about the accident and making sure that was not preplanned.
Comprehensive Insurance -
Comprehensive insurance takes care of the insured car for the damages that are caused by some other reason than collision. The cause for the damage can be theft, vandalism, natural disaster, etc when damaged during a hailstorm then you can allege for it under comprehensive insurance policy though you will have to take care of the deductibles.
The insurance companies offer a variety of plans under each insurance type to choose from. The plan, its premium and deductibles differ from one company to another and also from one plan to another. So, it is suggested to research the market vigilantly before deciding for any insurance policy.
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