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Rates and Quotes of Car Insurances - Guide




If you want to save on your car insurances and insurance rates there are some important information you should know about. So many people pay too much! Most of the people do nott know a lot about insurances for cars beyond the thing that you pretty much need it. To get the right insurance should not be a last minute subject. To find the right one needs time and to change it also is tied to deadlines. But, when you have the pitch to get into a car wreck -and that's when, not if-, also when it is only a little fender bender, you will be glad to have got a good auto insurance which helps you. And it should be one which provides the right and best coverage. This small guide about automobile insurance will give you important information of everything you need to know about car insurances.

The automobiles are not cheap today, and also automobile accidents really are not cheap. In addition to a damage of the car, there are often high medical bills which someone has to pay. If you are thinking how much such a collision cost, you need to keep in mind that such a car damage may involve more than one automobile. By this reason it can occur that there is a double of the costs of the accident. Think about the case that each car has multiple riders and they all get injured, Personal injury is extreme expensive. Everybody can how collision costs add up. It do not help anything. You need a good car insurance.

Such an car insurance helps you cover all those costs of the car, the other cars involved and hospital costs of the passengers. Normally, you pay for an insurance policy, which is much lower than the costs you would likely be the result because of an accident. Then, if you have an accident (hopefully not), the policy of the insurance covers some of the costs associated with the accident. Now it depends on the type of coverage what your insurance policy will carry.

Insurance - types of coverage

The type of the coverage of the insurance companies are very different. What everybody will get depends on the laws in each country (respectively your state for US. For example most single countries in the US have some required minimum auto insurance laws) and  the value of your recent automobile. The composition and prices also depend on, how much of your own money you are willing to spend for your car insurance if you get into an accident. This variations at the end are your choice.

The collision coverage is the most  basic one. Collision coverage pays for damages to the automobile if you yourself hit another car, persons or other things. A liability coverage is needed by most countries. This car collision coverage is neede for injuries to other cars and person and property damage  caused by your automobil. So, if someone  drive for example through your neighbor's garden the collision coverage of the insurance covers the damage to the own automobil and the liability coverage of the insurance covers the damage to the garden of your neighbor. The liability coverage is what everybody need if you are involved in an accident and the result is your fault. 

Most of the automobile drivers are interested in a good medical coverage. Medical coverage includes the medical expenses which are the result of an car accident. If for example there is a broke your arm while driving through your neighbor's garden, this insurance coverage would take the costs of it. This nice behavior of your insurance may be a good argument to decide also for medical coverage when you insure your car. The comprehensive coverage of the car insurers cover all damages to the car that are not the result of a collision between cars. Comprehensive coverage should be taken if someone want an insurance coverage for example when a tree fell on your automobile, or if it were damaged in a flood, other things which are similar.

users of cars, which want to be the best protected against accidents decide also the personal injury protection. The personal injury protection of the insurers has big similarities to the medical coverage. The most important difference of these two types of coverage is that the medical one covers everyone which is  injured in the accident. The personal injury protection coverage insures only the owner of the insurance and not the other ones which are involved in the car accident. In The USA it is a required in a l ot of states. In most of the countries the medical coverage is optional for automobile users. Another type of insurances is the uninsured motorist coverage. The uninsured motorist coverage takes automobile damage to the automobile if the car is damaged by a car owner who does not have liability insurance. In some countries such an insurance against uninsured drivers is very helpful because a lot of car owners do not have any insurance.

If you wonder already how many different types of insurances are existant, there are further forms of insurances you may never have heard. The underinsured motorist coverage will give you money for damages to your vehicle if the car  is damaged by drivers who do not have enough insurance to give the money for the damage. Here is an example: If the car gets hit by someone with only € 3,000 worth of liability coverage and there is a damage of  € 4,000  to your automobile, such a underinsured motorist coverage will pay the difference. The rental reimbursement insurance will give money to rent a automobile while your car is in for repairing as a result of an accident. That is a further form of insurance, seldom neede but existent and can be chosed.

And which forms of insurance do you need?

Which type of insurance you need  is mainly dependent on the laws in the country / state you live. Most countries have some necessary minimum car  insurance laws. What is necessary depends from  the value of your automobile and how much of your own money you can and you want to spend if you get involved into an accident. Everybody should notice that he always get enough insured to cover the amount to get an new comparable car. These thoughts are especially important if you still owe money on it. Think about this facts, otherwise it could happen, the automobile could get a total damage and you still have to make payments on it. What a horrible situation for everybody. That means that if you have got a very expensive automobile, you should get from the insurance a lot of coverage for your car. If have got a cheap automobile, it is possible to buy less. Everybody ever also must aware how much money there is in savings. Not all of car drivers have enough money to handle lost work days, unexpected medical expenses and renting another car, you can probably get less coverage to secure yourself.

Do not forget to look also at other insurances you have got recently. It may be possible that the medical insurance already covers injuries got in a accident with a car. If that is the case, you can possibly decrease the coverage for medical treatment on your automobile insurance. Also it is possible that the homeowners or renters insurance which you have may cover some parts of the damage to your vehicle? This must be be controlled. At the end of the calculations and controls of other insurances one has got the car insurance nearly ever is a bet. You pay a lot, a monthly, half year or yearly fee to an insurance company. The insurance company is betting that the insured persons do not get into an expensive accident. You a the car owner are also hoping that such expensive accidents do not occur.. If you are the winner then the insurance enterprise must pay your car accident costs. If you are not involved in an accident then the insurance company wins because they get to keep your money. To lose this bet is not bad, though. Who wants to be involved in an accident? You would not have to deal with being in an accident, and the longer you lose this bet by not getting into a car wreck, the less you have to pay the insurer for the rates. But, the future day you are involved in an accident, you will be happy that you are covered. Then you are the winner.


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Important: The material and websites of the Service Agency Dr. Lietz is for informational purposes only and is not meant to be advice. You should always seek professional advice before making financial or medical decisions.

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