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tods5eshoes · Wysłany: Pią 12:39, 11 Mar 2011 Temat postu: tod 6369

Understanding your Auto Insurance Coverage
If you merely search for "understanding auto insurance" and "autoinsurance facts" on the Internet,[link widoczny dla zalogowanych], you may find a good, two-paragraphsummary somewhere, or you may just get buried under about 4, 300, 000hits (which the first phrase brought up on Google). Besides the manythousands that mention all kinds of companies or coverage types, youwill also have to wade through many more thousands of sales pitchesjust to get decent definitions of liability, collision, medicalcoverage, deductibles, driving records and common policy limitations. This article will fight the tendency to "Internet overkill, "? and hitthe important points for you.
The most important point, of course, is to read your existing policythoroughly. If you are shopping for coverage for the first time, takethe following suggestions to heart, and continue your research in atargeted, effective manner. In fact, if you are in the market for autoinsurance, one of the best approaches is to get yourself educatedenough so that you can understand what you are being told, and then leta few insurance websites or local agents compete for your business.
Liability first
There's one old question about auto insurance that you need to examinein the light of your precise situation. "Coverage, coverage and morecoverage - can you ever have too much? "? Some people don't think so, notwith the lawsuit-happy citizens of these United States, at any rate. However, you have to be realistic and strike a balance between"coverage, coverage, coverage"? and cost, cost, cost! Therefore, coveryourself in the right order.
Without a doubt, liability coverage is the most important because itcovers three major components, namely, other people's bodily injury andproperty damage, plus uninsured motorists. This coverage protects youagainst loss if you should injure someone, if someone with no liabilityinsurance injures you and also covers your damages if the other partyis underinsured. This is by far the most important coverage, and is theminimum required in most states unless there is another lien holder onyour auto.
Other terms and concepts
If the bank owns your car, you will probably be required to havecomplete coverage including collision, which insures the auto itselfand covers repairs. Other coverage includes personal injury, whichcovers your passengers, and medical coverage, which pays for medicaland funeral expenses for you or anyone injured in a covered accident. Your deductible also plays a part in your coverage, and a higherdeductible means that you pay a lower premium, but keep in mind that inthe event of an accident the deductible comes off the top of the amountyou get to fix your vehicle.
Some carriers will pay for rental of a vehicle while yours is beingrepaired. Like any other coverage, this has to be specified in yourpolicy, and if it is not in the policy, it is not part of yourcoverage, regardless of what any insurance salesman says. In addition, there are details about your car, your amount of driving,[link widoczny dla zalogowanych], etc., thatcan affect your rate, including where you live. On the plus side, youcan usually expect discounts for a good driving record, anti-theftdevices, etc., so make sure you mention all of these when requesting arate quote.
The numbers game
Liability and medical coverage amounts are often expressed in confusingterms (such as "10/15/30"? that refer to the amount in thousands ofdollars for certain parts of the coverage. To further complicatematters, the numbers are sometimes given as "per incident"? or as thetotal amount payable under the policy. Make sure that you understandexactly what the dollar limits are, how they are applied, what the"per-incident"? and "lifetime total"? amounts are, and how the figuresrelate to the historic experience of drivers like yourself.
You can read various articles on the Internet, like this one and othersboth more and less specific, to get yourself up to speed before gettingsome rate quotes. Talk to a few insurance agents, register at a fewwebsites and don't be afraid to ask questions when you don't understanda term, a concept or (perhaps most importantly) a dollar figure. It isas unwise to over insure your car as it is to under insure it,[link widoczny dla zalogowanych], so takethe time to get the facts.
You should also check with your state's insurance commissioner [link widoczny dla zalogowanych]iscover what the minimum insurance requirements are for where youlive. It is, of course,[link widoczny dla zalogowanych], always wise to educate yourself as much aspossible in matters of this importance. If you are still unclear aboutauto insurance, your state department of insurance should be able toprovide you additional help. ClickInsure. com is a leading broker for health, life and auto insurance in California.? When you need great advice or want to compare auto insurance quotes be sure to visit ClickInsure. com.Topics related articles：

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