subject: Auto Insurance-What you need to know [print this page] Car accidents happen all the time. There In the US there were 6 million car accidents, and the number is growing. Looking at this statistic, you can figure that your chances of getting into an accident are pretty good. Hopefully, you will have good insurance and you can file a claim and be back on the road in no time. It really is worth doing your homework and educating yourself on the topic of car insurance to better understand what you need to get and what will be covered in the event of an accident. Cheap car insurance may look good, but you want to make sure the coverage is there. Do not wait to get into an accident before you find out what sort of coverage and service you will get. That cheap car insurance may not be all it was cracked up to be. Call and ask your agent what you are getting and what to expect. Make sure you ask about all the things you need to do if you are involved in an accident. The more knowledge you have about the processes and procedures, the less stress you will go through in the event you do have an accident. Check the internet and find reviews on the company's service to determine whether or not they will be easy to work with during the repair process.
One thing to check on is your liability coverage. Liability coverage is the part of the policy that covers the other person's cost if you are involved in an accident with them and it is your fault. The average amount is $100,000 per person, and $300,000 per accident, which is normally sufficient. If you have more than $300,000 associated with your net worth though, you might want to seek extra coverage. Before you even have an accident, be sure you have money put back for your deductible. Many individuals opt for a higher deductable and lower premiums. This can help make the bills easier, but in the event of an accident it can really pack a punch to the pocketbook.
Auto Insurance-What you need to know
By: Jenny Maloy
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