subject: Accidents Do Happen, This Is Why Insurance Is Necessary [print this page] It is one of those bills that people do not like to pay, but it is one of the most necessary if a driver is to be covered in case of accidents etc. California auto insurance is a necessity that no one can do without. But many companies have different offers and differing clauses so it is very important to compare auto insurance before opting to buy. Indeed, getting the wrong one, or one which does not cover enough eventualities will often end up costing the driver excessive amounts.
With all the clauses that are usually in small print, most people just assume that they all say the same thing. However, ask anyone who has been at the wrong end of a claim and they will tell of the amount of heartache that it has cost them. Indeed, if a clause is inserted which absolves the company in different situations, the driver should really think about using someone else for sure.
The easiest way to do this is to look on the internet. There are a multitude of companies offering all kinds of deals for drivers of all ages. Some even offer a no claims bonus which cuts the cost of the premiums if no claims are made over a number of years. This could culminate in the driver paying significantly less than others every year as long as he claims nothing.
However, there are some penalties attached here too. If this is a very young driver, driving a high-powered car, then it is very obvious that the premiums are going to be very high indeed. Not only does the driver have little experience with any kind of car, they are also known to take unnecessary risks which the company assumes that he will do at one stage or another.
On the other hand, if the driver is middle-aged and driving something with less power, and has been accident free for a few years, these people will be considered a good risk and they will certainly benefit from lower premiums to begin with.
The problem that most people do not consider is that if they are at fault in an accident, it is not only the vehicle that will be damaged. Damage to people is absolutely horrendous in some cases and can even result in death. Indeed, with all the drunk driver cases going on in the world, it is a wonder that anyone would even venture out into the world at all.
Personal injury is such that people get damaged to the point that they may have to give up their careers, live their lives in a wheelchair, or even have a limb or two removed. It is for this reason that the cover is there in the first place. Although money could never compensate for any of this damage, it does mean that they can at least afford proper nursing care and medication that they would not have needed had the other driver not hit them. This is probably the main reason that everyone should have more than adequate cover.
by: Stewart Wrighter
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