Monday, October 27, 2008

What Everyone Ought To Know About Car Insurance

By Don Pedro

The first person you need to call when you are involved in a car accident is probably your car accident lawyer, to help clarify a few issues. But once that is done, you might want to get in touch with your insurer. It is the time to lay claims on what you have been paying for months.

Insurance on your vehicle is a doubtless lifesaver. You know that you could be involved in a car accident at any time, and it may not be due to any fault of yours. With the policy, you are rest assured that the damages will not clean you out. Your car insurance company would be paying for them.

Depending on the amount you are paying for premium, car insurance coverage is sure to vary. Some insurance may be basic in the sense that the damage to your car is fixed and paid for. Others may include damage to the other person's car, as well as a few medical bills.

There are certain states in America, and a number of countries around the world, that practice auto insurance such that they provide coverage against loss of or damage to your car in an optional manner. In Canada, this is in full effect, although the law also enforces that whoever gets hurt in an accident gets taken care of, no questions asked.

Accidents are no strange things in the United States. What is strange now a driver who does not have insurance on their car. Too many incidents in the past, and instances when people have died due to lack of funds has seen to it that a lot of measure are put in place to have people insure their cars. It would be outright outlandish to not have auto insurance; seriously!

Do you know why you buy an umbrella even when it is not raining? It's because you know that one day it is going to rain and you want to be prepared for that. That's the very same reason why you get auto insurance: because you know that one day you are going to bash the car, or it is going to get stolen, and you are going to need help paying for it.

The United States may have been born from the United Kingdom, but the people in both places rarely think the same. For them, you don't get a car if you don't have third party insurance on it. Simple. And now, you can't even drive until you have made a certain deposit into a certain fund so that anyone you hurt while driving gets treated off of it.

Almost everywhere in the world, you must have insurance on your car before you can drive it. Many U.S. states have it that you must purchase a minimum of third party insurance. And then, if you've got dough to spend, you can extend your insurance coverage to anything else you want.

Unless the car you are driving is owned by certain councils and local authorities, or the national park authorities, you are not exempted from the very rigid traffic laws in the United Kingdom. This is particularly true when auto insurance is in question. Cars owned by education authorities, police authorities, fire authorities, heath service bodies and security services are also included in the exemption list. - 15437

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