sexta-feira, 20 de maio de 2011

Automobile insurance

Automobile insurance is not just a smart choice for those who own a car, but in fact a legal necessity. Entreatanto, not only because it is mandatory that you should buy a car insurance policy. Being involved in a car accident or having your car stolen are bad things per se, and if you're protected by automobile insurance, you would at least avoid potential legal problems and financial resources. The insurance is there to protect their property, and so it is essential, since direr can sometimes result in unexpected accidents.
Explaining briefly, automobile insurance is a contract between you and an insurance company. To protect you from any financial loss in case of a car accident, you agree to pay the premium and the company will pay for their financial losses if you collide. This type of insurance is not a long term contract. Most policies last between 6 months and 1 year, and you have to renew the contract every time the policy expires. A good insurance plan covers not only vehicles for damage or theft of your car, but also its liability for property damage, medical and physical damage to you and others involved in the accident. There are different levels and categories of automobile insurance coverage:
Collision - such coverage pays for any damage to your car in the event of a collision with another vehicle or fixed objector.
Comprehensive - reimburses the car owner for loss or theft caused by reasons other than collisions. This includes vandalism, explosions, and tremolos cantata with animals, for example.
Legaly to physical damage - applies to any physical harm that you (the driver and owner of the policy) would cause any third party involved in the accident.
Legaly for property damage - insurance coverage for automobiles that not only pays for the car in which you hit, but also other types of properties such as fences, poles and so on.

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