subject: Tips To Help Take The Confusion Out Of Car Insurance [print this page] Insurance is one of the greatest financial inventions in history. Without insurance, people would be too afraid to take risks. Explorers, business people, and the general popular would be frozen in fear every time a risk presented itself. If you owned a home, for example, and it burned down, you'd still have to pay your mortgage. This would pretty much destroy any chance you'd have of living a normal life. Luckily, we have insurance, so we don't have to worry about those things. Insurance comes in many forms, and protects us against a lot of bad events. In this article, we are going to be talking about car insurance, and how it can help you.
First of all, there are plenty of different kinds to get. They all are designed to protect against financial calamity due to an accident. If you crash into somebody else, you need to pay for their car. If you need to go to the hospital, or they need to go to the hospital, you need to pay the bill if the accident was your fault. With the proper insurance, you don't have to worry about the bill. All you have to do is get better, and repair the damage.
Comprehensive and collision is the basic kind of insurance that pays the bill if you crash into somebody else, or they crash into you. It will also pay for the hospital bill if you need it. There are other types of coverage, like theft, for example, that will pay you if your car is stolen. Of course, you'll have to report it to the police, and give them a few weeks to find it.
The basic types of insurance that are required by law are to help pay for damage to somebody else's car. If you want additional insurance to pay for theft, or fire, then you need to specifically ask for it. If you are trying to get the cheapest insurance possible, then you won't be getting fire or theft.
Another kind of coverage you need is uninsured motorist. This is if somebody else crashes into you, and they don't have insurance. That way, you won't be stuck paying for your bill out of your own pocket.
If you have a good driving record, you'll be able to pay less for your coverage. The worse your driving record is, the more you are going to have to pay. Also, the younger you are, the more you'll have to pay. It's not fair, but that's the way it is.
Now you know the basics, all you need to do is get out there and get yourself some insurance. Make sure you get enough, and always drive safely.
by: Winston Takeda
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