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Why You Need Car Insurance

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Why You Need Car Insurance

Richard Larson
April 2, 2013

Accidents can happen anytime. Even being a careful driver will not make the road totally safe. Car insurance will give you peace of mind that whatever happens, you will not have to face the financial liability alone.

The Basics of Auto Insurance

Car insurance is a type of policy used by a motor vehicle owner as a preemptive measure against vehicular accidents. There are several types of car insurance, and the minimum demanded by the law is liability insurance. Car insurance is usually valid for a period of 6 to 12 months, and is paid through premiums. The price is based on your circumstances and the conditions of your vehicle.

Liability Insurance.

This type of auto insurance covers damages caused by your vehicle to other people and their property. It is subdivided into two categories bodily injury liability, which covers medical bills, emotional injury, lost wages, and other special damages and property damage liability, which covers repair or replacement of damaged property.

Comprehensive Insurance.

Comprehensive insurance will pay for damages to other people and their property resulting from a car collision with which you are to blame. It will also cover damages to your car due to an accident, fire, or theft. The insurance plan will handle just about any untoward incident that your car may get involved with. Comprehensive insurance is often very expensive.

Uninsured / Underinsured Motorist Protection.

This comes handy if you get hit by a driver who does not have car insurance, or who has insurance but does not have enough coverage. This will help pay for your hospital bills and car repair fees.

Why Buy Auto Insurance?

Auto insurance is mandated by law. It can give you the necessary protection should you face financial liability in the event of a vehicular accident. If found at fault, and you do not have an insurance, you are likely to pay for the damages to all other properties involved. You may also be responsible for expenses such as hospital bills and funeral fees. You are also on your own when it comes to having your car repaired.

You can get fined, and have your driver license suspended for up to a year when caught driving without car insurance. You may also not be able to renew the registration of your car. In order to get back the privilege to drive again, there is yet another fee to settle.

Buying Auto Insurance Online

It can be more convenient to buy auto insurance online. But remember that not all insurance companies offer the same prices and quality of car insurance. You need to evaluate your circumstances, and decide for the type of insurance that suits you best. You can then start your research on the different providers of auto insurance. Get quotes, and compare the terms and conditions associated with the insurance offer. There are several ways to lower the cost of your car insurance. Make sure to ask the insurer if you qualify for a discount, or if there is anything they can recommend you to do to get cheaper insurance quote.

Richard Larson is an auto insurance specialist out of Van Nuys. He has been in the car industry for the past 5 years. This article helps you understand insurance companies better. Richard suggests to get more information at auto insurance solutions now.

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