Specific type of car insurance policy coverages

by RGann

It is important for you to understand what coverages are
involved when you get a car insurance policy. Each of these
details covers different areas. If you do look for a car
insurance policy, it is good to make sure you get it in any
combination you want, but make sure to get it from the same
company; to avoid any complications later, when and where as
claims are involved.

The type of car insurance policy coverages are:

Liability to Bodily Injuries

This type of car insurance is a basic requirement in most, if
not all, areas and countries. Liability to bodily injuries
provide coverage in other people's bodily injuries or death for
which you are responsible. It also provides for a legal defense
if another party in the accident files a lawsuit against you.
Claims for bodily injury may be for such things as medical
bills, loss of income or pain and suffering. In the event of a
serious accident, you want enough insurance to cover a judgment
against you in a lawsuit, without jeopardizing your personal
assets. Bodily injury liability covers injury to people, not
your vehicle. Therefore, it's good idea to have the same level
of coverage for all of your cars. Bodily Injury Liability does
NOT cover you or other people on your policy. Coverage is
limited to the terms and conditions contained in the policy.

Normally the country or state limits are usually low; in fact
too low, to protect you sufficiently. Purchasing higher bodily
liability car insurance would not increase your premium too
much. So if you can consider getting a higher and better
coverage. There is no deductible.

Liability to Property Damages

This type of car insurance covers damages to someone esle's
property. May it be the other party's car or other vehicles
involved in the accident, but it also covers other type of
property such as buildings or public properties ( such as lamp
posts, barriers etc). It also pays for legal costs. It also
covers you personally, members of your family and those you gave
permission to drive your car.

Check with your local car insurance company for the basic
requirements. There is no deductible.

Collision Insurance

Car Insurance coverage for collision covers damages to your car
when your car hits, or is hit by, another vehicle, or other
object. It pays to fix your vehicle less the deductible you
choose. To keep your premiums low, select as large a deductible
as you feel comfortable paying out of pocket. For older cars,
consider dropping this coverage, since coverage is normally
limited to the cash value of your car. Coverage is limited to
the terms and conditions contained in the policy.

Collision insurance carries a deductible, and the maximum you
can collect for repair costs is limited to the value of your car
proir to the accident minus the deductible. This coverage is
optional. so it is wise to consider carefully whether you need
it or not. Weigh the vaule of your car against the premium ypu
have to pay to cover it.The cost of the collision car insurance
is determined by the value of your car, or how much it would
cost you to make a replacement if it were totaled in an
accident. Add the deductibles to cost of the collision insurance
for the car. If it exceeds the market value of the care,
collsion insurance is a waste of your money because you will be
paying out more than you can ever collect if you have an
accident that totals your car. If the deductible and collision
insurance combined are less than the value of your car, then
collision insurance makes sense. As the age of your car
increases, the cost to replace it goes down, so before renewing
your policy every year, make a assessment whether or not it
makes sense to keep the collision insurance.

Comprehensive Insurance



Comprehensive Insurance Coverage Covers your vehicle, and
sometimes other vehicles you maybe driving for losses resulting
from incidents other than collision. For example, comprehensive
insurance covers damage to your car if it is stolen; or damaged
by flood, fire, or animals, falling objects, explosions,
earthquakes, riots and civil commotions or even if your car is
overturned during a natural disaster. It pays to fix your
vehicle less the deductible you choose. To keep your premiums
low, select as high a deductible as you feel comfortable paying
out of pocket. Coverage is limited to the terms and conditions
contained in the policy.

Compressive coverage is normally not compulsory in most
countries. How much you carry is up to you and should never
insure your car for more than its actual cash or market value.
Damages not associated with accidents can still be rather
expensive, and so it is advantageous to include comprehensive
car insurance coverage on your car insurance policy.

Medical Expenses Insurance

Medical Expenses Insurance covers medical expenses to you and
your passengers injured in an accident. There may also be
coverage if as a pedestrian a vehicle injures you. Coverage is
limited to the terms and conditions contained in the policy. It
pays the medical bills, disability,lost in wages, even the costs
for furnetal. It Does NOT matter who is at fault, and covers
you, your family members and passengers in you car.



Coverage for Uninsured Motorists

This coverage pays for injuries to you and your passengers in
you car if you are involved in an accident, and that party does
not have insurance. You will be covered if you got clobbered by
a hit-and-run driver.Normal this type of car insurance coverage
is mandatory. Uninsured motorist's coverage increases the payout
to make sure you get the protection you need.

About the author:
RGann is an independent writer and marketer online. Ther are
more ways to save money on car insurance. If you found this
article useful you can learn a lot more about car insurance tips
and resources by visiting http://at-car-insurance.com