Car Insurance

1
Know Your Car Insurance
Choosing Car Insurance that fits your needs and
the needs of your family is important, so get to
know the basics.
2
What Is car Insurance ? Car insurance is meant
to protect you if you cause injuries to others or
damage their property in an auto accident. It can
also provide protection if your car is damaged in
an accident or is stolen. What protection you
have is spelled out in your auto insurance policy.
3
What Does Car Insurance Cover? There are
several coverage parts that are included in a car
insurance policy that can help with damage or
injury Car accident bodily injury liability -
This coverage pays medical costs for all bodily
injury that the policy holder causes in an
accident Car accident property
damage liability - This coverage pays for any and
all property damage a policy holder causes in an
accident Medical payments - Medical payments
pays for all medical bills for injury to the
policy holder regardless of fault.
4
Collision Coverage - This pays for damage
sustained to the policy holder's vehicle caused
by a collision. Comprehensive coverage - This
coverage pays for all other damage not caused by
collisiontheft, vandalism, fire, hail, storm
damage, hitting an animal, etc. Uninsured
Motorist/Underinsured Motorist - This coverage
pays in the event that a negligent driver is
underinsured or uninsured or causes damage in a
hit and run.
5
Who Needs Full Coverage Car Insurance? Car
insurance is something that people try to get by
with the very minimal amount. However, when
someone first buys a vehicle they are required by
the lending institution to carry full coverage
auto insurance during the life of the loan.
Anyone who lives in a city atmosphere, or a place
where vehicles are stolen frequently, will also
want to carry a full coverage policy.
6
Costs of Full Coverage Car Insurance With each
of the levels of auto insurance the cost rises.
This is the reason that most people only carry
the minimal amount. But, what most people do not
realize is that they are actually going to be
paying more if the insurance coverage they have
does not fully protect them for different repairs
and accidents. The full coverage auto insurance
may cost a little more in the premium, but
actually ends up saving people money in the long
run.
7
Purchasing Full Coverage Car Insurance The
internet has provided a way for people to easily
purchase car insurance without a lot of hassle or
long interviews. There are websites available to
people to visit that will pull together several
free price quotes in order to provide a better
means of evaluating insurance companies and
making an affordable choice. Using this type of
website is free of charge and painless, but can
lead you towards finding quality full coverage
insurance within a few minutes.
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