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automobile insurance
Auto insurance is basically just a type of indemnity that offers coverage whenever you are driving in your insured vehicle. There are many plans available, each dependent on many factors, the most important of which is location. Other factors that affect the cost of auto insurance include: - Gender and age- If you are a young male, then you're unfortunately going to pay more for your coverage than a middle-aged woman.
- Misc. Discounts *
- Good students
- Driving a vehicle noted for safety features
- Senior Citizens
- Military personnel
- Low mileage on your car
* All of these will help to lower your cost of coverage
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There are numerous types of basic car insurance. They are as follows:
- Collision- collision insurance covers you against collisions of any kind. The damage is covered regardless of whether or not you are responsible for the accident or not.
- Bodily injury liability- This insurance policy covers your legal bills if you or a family member driving your car, hits and injures or kills, someone else. In such an instance, defense costs could be enormous, bleeding you dry.
- Property damage liability- This type of policy is somewhat like that of bodily injury liability, except in this instance, you are covered if you damage someone else's property in some way.
- Comprehensive physical damage- This type of policy covers against any of the following: vandalism, fire, theft, harsh weather, etc.
- Medical Payments or personal injury coverage- This policy covers you or your family if injured in accident, regardless of who was responsible. In some instances, the policy also covers you or your family if you are injured while riding in someone else's vehicle.
- Uninsured motorist- This type of policy simply covers you if you are in an accident with a motorist who is uninsured.
The financial repercussions of automobile accidents, and their related externalities, add up to billions of dollars every year. Make sure that you have the coverage you need to protect yourself and your family. Visit the Better Business Bureau (www.bbb.org) for more info.
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