Nov 23 2012
A lot of states need you to carry liability coverage in your insurance coverage policy. Liability insurance covers the costs incurred for the damages for yet another car with your personal if you are at fault. So generally if you are in an accident and you caused the damage, then the liability of you auto insurance coverage will cover damages according to the terms that are in your policy.
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Collision co?
Car insurance essentially covers you, your passengers and your car in case of an accident.
A lot of states demand you to carry liability coverage in your insurance coverage policy. Liability insurance covers the expenditures incurred for the damages for another vehicle with your own if you are at fault. So basically if you are in an accident and you triggered the damage, then the liability of you car insurance coverage will cover damages according to the terms that are in your policy.
Collision coverage is when your car insurance will spend for the repairs or replace your auto in the case of an accident.
Thorough coverage aids you pay for damages to your automobile that happens with undesirable weather, theft and vandalism.
As you would will all insurances, your vehicle insurance coverage will also a deductible. The deductible quantity of the claim is your responsibility to pay. Auto insurance costs go up as you reduced your deductible. If you want to have a larger deductible you auto insurance will be much less costly.
Also hold in thoughts that as your auto ages your auto insurance premium will reduce in price. Of course that is if you have a great driving record and dont get any tickets or get into any accidents. Also you can contemplate the amount of coverage you get as your auto ages. Some feel only obtaining liability coverage on your cat that is old is far better. Of course it is up to you whatever you want.
I hope this clears up a few issues about car insurance for you. If you would like more details do a small bit of analysis on your own and see what you come up with. Or ask questions when you are inquiring about a specific insurance policy. It is often better to know each and every aspect ahead of getting insurance coverage and signing the dotted line. Great Luck!
Source: http://www.packetinsider.com/blog/localvoices/?p=21616
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