Can anyone clarify on Auto insurance: liability, collision etc? - collision liability
Its always confusing when you say you can drive, but no one can and can not drive to someone else. What responsibilities or is there more we should consider before purchasing an auto insurance-information, the best places, concerns and details .. etc.
Friday, January 15, 2010
Collision Liability Can Anyone Clarify On Auto Insurance: Liability, Collision Etc?
3 comments:
Your car policy to six coverages. Each cover is to be purchased separately.
1. Liability for injury
This coverage applies to injuries that cause you, the designated driver or policyholder, to someone else. She and her family members in the Directive which also covered while driving someone else's car with their permission.
It is very important to have adequate liability insurance, because if you are involved in a serious accident can sue you for a large sum of money. Definitely consider my more than is necessary to state assets like your house and protect savers.
2. Medical payments or Personal Injury Protection (PIP)
This report supports the treatment of injuries to the driver and passengers of the insured vehicle. In the broadest sense can, PIP medical coverage, wages and the cost of replacing services usually hurt by someone in a car accident performed. It may also include funeral costs.
3. Property damage liability
This warranty coversfor damage, you can drive (or someone the car,) lead with your permission, that property. In general, this means damage to hit foreign car, but also damage to lamp posts, telephone poles, fences, buildings or other structures your car.
4. Collision
This warranty covers damage to your vehicle after a collision with another vehicle, object or as a result of the fall. It also covers damage caused by potholes. Collision coverage is usually with a deductible premium of $ 250 to $ 1,000, plus your deductible, the more sold less. Even if you are wrong, your collision coverage will reimburse the cost of repairing your car, minus the deductible. If you are not guilty, your insurer may seek to recover the amount paid by the insurance the other driver. If she succeeds, she can also reimbursed for the deductible.
5. Integral
This insurance will reimburse you for losses caused by theft or damage to Belovedng other than a collision with another vehicle or object, such as fire, falling objects, missiles, explosions, earthquakes, storms, hail, flood, vandalism, riot, or contact with animals such as birds or deer.
The insurance coverage is normally sold for $ 100 to $ 300 deductible, but you can choose to reduce a higher deductible as a way to your premium.
Full insurance will also reimburse you if your windshield is cracked or broken. Some companies offer glass coverage with or without excess.
States require that you purchase collision or comprehensive coverage, but if you have a car loan may ask your lender to bear it until your loan is repaid.
6. The insured motorist coverage or under --
This warranty will reimburse you, a family member or a driver if one of you is covered by insurance or a hit to beat-and-run driver.
For the insured motorists coming into the game right, if not the driver to insure sufficient to cover your total loss. This coverage WilL secure even when you are beaten like a pedestrian.
Various forms of guarantee, you can buy:
* Comprehensive Coverage (COMP) - insured against the cost of buying a new vehicle when it was stolen or destroyed by fire
* Collision coverage (Coll) - insured against the cost of repairing the vehicle following an accident
or the cost of buying a new car, when in an accident on economic repair damaged
In the following three points, the liability extends only to the last point, while the overall coverage of three directions:
* Personal Injury Protection (PIP) - insured against medical expenses and lost wages to the use, ownership or maintenance of a motor vehicle (mandatory in some U.S. states related)
* Medical expenses (MP) - insured against the cost of medical expenses for injuries in an accident on all charges, which may be offset by sustained PIP
* Shares in CSR against the driver or operator of the vehicle after the vehicle causing damage or injury to third parties.
Liability insurance covers property owners and policyother vehicle operators, who lived in the same direction. If another driver of the vehicle do not live in the same direction for the special person to be covered must be listed in the Directive. Your liability insurance cover, if not you will cause the vehicle to someone else, in this case, you covered with a vehicle of the policy of the owner.
Various forms of guarantee, you can buy:
* Comprehensive Coverage (COMP) - insured against the cost of buying a new vehicle when it was stolen or destroyed by fire
* Collision coverage (Coll) - insured against the cost of repairing the vehicle following an accident
or the cost of buying a new car, when in an accident on economic repair damaged
In the following three points, the liability extends only to the last point, while the overall coverage of three directions:
* Personal Injury Protection (PIP) - insured against medical expenses and lost wages to the use, ownership or maintenance of a motor vehicle (mandatory in some U.S. states related)
* Medical expenses (MP) - insured against the cost of medical expenses for injuries in an accident on all charges, which may be offset by sustained PIP
* Shares in CSR against the driver or operator of the vehicle after the vehicle causing damage or injury to third parties.
Liability insurance covers property owners and policyother vehicle operators, who lived in the same direction. If another driver of the vehicle do not live in the same direction for the special person to be covered must be listed in the Directive. Your liability insurance cover, if not you will cause the vehicle to someone else, in this case, you covered with a vehicle of the policy of the owner.
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