THE RIGHT POLICY

THE RIGHT POLICY

What type of car insurance is right for you? It is illegal to drive in the UK without insurance and therefore the minimum standard of cover you can take out is ‘third party’. This covers:

· Liability for injuries to others, including passengers.
· Liability for damage to someone’s property.
· Liability of passengers for accidents caused by them.
· Liability arising from the use of a caravan or trailer while attached to the car.

Next comes ‘third party fire and theft’ which will also pay out if your vehicle is stolen or set on fire.

A comprehensive (normally known as ‘fully comprehensive’) car insurance policy will pay-out for all of the areas covered by third party fire and theft with the addition of paying for any damage to your own vehicle regardless of who caused the accident. It also covers loss of, or damage to, personal effects in the car.

Business car insurance (also known as ‘commercial car insurance’) meets the needs of small businesses with company vehicles.

Though polices vary between individual car insurance companies, benefits typically include a courtesy car, free cover for driving in Europe and, in some cases, legal aid when the accident is not your fault. These benefits may incur an extra cost.

We all know car insurance is an expensive business – but where does our money go? One factor rarely considered when making a claim is how your car insurance premium is used – yet this information may help you choose your cover wisely and make a more informed choice on the cover you opt for.

Source from : www.speedace/info/motor_car_insurance.htm

Why do I need a car insured ?

Why do I need a car insured ?


Often we say that what we insure the car. If the car never or rarely experienced damage or missing.

The statement above is correct 100%. What we discard the money to pay expensive car if we never or rarely damaged or lost.

Humans can’t predict what will happen in the future. If people can know the risks that will face it, people will certainly take preventive measures to overcome these risks.

The actual goal we buy car insurance policy is to face or overcome the risks that an unexpected. With the car we insure have been automatically transfer or the risk that the unexpectedly.

What type of insurance in accordance with my car?

In buying insurance policy is better car, buy a house, etc. insurance policy that fit your needs.

Example:
Some of this year, especially in several places in Indonesia like the riots or disturbance. You as the owner of the car was feeling - it was when you bring a car on the road. You certainly do not want a car that was good to be damaged by the riots.
To overcome the risk of car insurance choose the hurly to cover your risk with risk riots.


DO NOT debated again!
What ever : RSMD, SRCC, Plus, etc.. Only clause 4.1B Insurance Council of Indonesia that truly guarantees such as riot in May'98

Even including:
1. Disturbance
2. Strike
3. Working retardation
4. Depravity
5. Terrorism
6. Sabotage
7. Riot
8. For people without the use of weapons fire
9. Revolution without the use of weapons fire
10. Trick
11. Prevention, in conjunction with the risks in points 1 to 10
12. Pillage, which occurred during the atrocities or insurrection

Source from: http://id.88db.com (post-source => Asurance Sinar Mas)

Car Insurance

Car Insurance

Looking for car insurance? Shopping for car insurance is the only way to save money on car insurance. The easiest and most relaxing way to find car insurance is, without a doubt the internet. This way, you can sit in a pair of shorts in front of your computer with a pen and pad on your desk, calmly surfing from one site to another looking for the car insurance policy that suits your particular needs and making notes of what you find.

Using the internet to search for car insurance can be even simpler. There are sites on the internet which will do your search for you. You give the site your specific requirements and the site will then scour all the car insurance websites for you and find the cheapest and the best deal for you. You will have to put in some personal details such as your age and number of years driving experience, details of previous insurance claims, etc., but by and large the process is painless and before you know it, you will have a new car insurance policy in your hands. There is no short cut and there is no such thing as buying the first car insurance policy that you are offered by an insurance salesman.

Insurance is a highly competitive field and most insurance companies will do whatever they can to get you business. A good idea to save money is to place all your insurance with one company and then lean on them for a discount because they handle so much, or all, of your insurance work and you feel that they should give you something back in return, like a generous discount. When buying car insurance in the United States, make sure that your car insurance policy covers you in all the states. There’s not much point in being insured in California and then suddenly finding yourself not insured when you drive into Nevada on the way to Las Vegas for a weekend. It will not be a fun weekend.

Make sure that your car insurance policy includes all the latest perks and special offers that the insurance companies are always offering in order to attract new customers, such as free towing and breakdown services, a replacement car while yours is in the workshop for a paint job. And don’t forget to ask the insurance company for a calendar.

Source from : http://www.old-cowtown.org/car-insurance

Car insurance : an Important Decision for the Car-Owners

Car insurance : an Important Decision for the Car-Owners

By : Smith James

Car insurance is one of the most important policies you need to have a look at. It is essential to have this policy in place which helps you avoid stressful periods, and also saves you time when your car needs repairs and the costs could run sky-high. You can go for collision cover as well as breakdown cover to protect your car against various problems it can face during its run on the road. Every car faces the usual wear and tear and this needs to be taken care of.

Getting this insurance policy is somewhat of a trouble for many car owners, owing to high premium rates; or, at least, it is a difficult decision to take. However, it is an important one, as important as your car which you would like to protect. Premium rates are fine but protection of your car to cover the damages and repair costs is more crucial to upkeep its long life.

Much of the premium considerations depend on your driving profile and other factors, such as age and also credit card history. When you get your policy, you also need to be careful of a few things. Be regular in your premium payments. This is because failure in premium payments on the due date can render the policy invalid. Also, most people opt for deductibles when they go for car insurance, in order to bring down the premiums to a reasonable payable amount. Deductibles are a serious consideration among many other things. This is the initial amount deducted from your premium payments. Higher this initial uncovered amount, lower the subsequently applicable premiums.

Before you sign the car insurance policy, you ought to read the document carefully and clarify any doubt in the policy, since this helps avoid any confusion when you have to make an insurance claim.


Source from : www.streetdirectory.co.id

How Car Insurance Works

How Car Insurance Works

by Allison Klein

If you own your own car, you probably already know a little about car insurance. You may have heard the words deductible or premium. But, do you truly understand the different parts of an auto insurance policy and do you know how to choose the best coverage?

Forty-seven states require that you have at least some kind of car insurance, so it's a good idea to know what the law requires you to have and what additional or optional coverage will help to protect you in the event of an accident.

Before purchasing auto insurance, you must consider a variety of factors including what kind of car you have, your driving record and the amount of money you are willing to pay. Understanding the simple basics of auto insurance will make you confident that the car insurance policy you choose will take care of your needs in the event of an accident.

In this article, we will walk you through the types of coverage that insurance companies offer and discuss possible insurance needs. Additionally we will look at what affects the price of auto insurance, how to bring the costs down and how to understand the components of your policy.

Types of Coverage
Everyone who drives needs car insurance. In fact, most states require it by law. When you buy car insurance, you are buying what is called a policy. Your policy is based on a variety of factors including what kind of car you drive as well as what kind of insurance you want. Auto insurance policies are actually a package of different types of insurance coverage.

The first step in understanding an auto insurance policy is to learn the various types of coverage insurance companies offer. Some of this coverage may be required by your state and some of the coverage may be optional.

• Liability - This coverage pays for accidental bodily injury and property damages to others. Injury damages include medical expenses, pain and suffering and lost wages. Property damage includes damaged property and automobiles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always get more coverage than your state requires.

• Collision - This coverage pays for damages to your vehicle caused by collision with another vehicle or object.

• Comprehensive - This coverage pays for loss or damage to the insured vehicle that doesn't occur in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.

• Medical Coverage - Pays medical expenses regardless of fault when the expenses are caused by an auto accident.

• PIP - Personal Injury Protection (PIP) is required in some states. This coverage pays medical expenses for the insured driver, regardless of fault, for treatment due to an auto accident.

• Uninsured Motorist - Pays your car's damages when an auto accident is caused by a driver who doesn't have liability insurance.

• Underinsured Motorist - Pays your car's damages when an auto accident is caused by someone who has insufficient liability insurance.

• Rental Reimbursement - This type of coverage will pay for a rental car if your car is damaged due to an auto accident. Often this coverage has a daily allowance for a rental car.

Many insurance policies combine a number of these types of coverage. The first step in choosing the insurance you want for your car is to know the laws in your state. This will tell you the minimum insurance you need for your car. It's good to keep in mind that, just because your state may not require extensive insurance, extra coverage may be worth the expense. After all, no one wants to be stuck with thousands of dollars worth of bills because of an auto accident.

Now, let's take a look at how to determine your insurance needs.

Source from : www.aoto.howstuffworks.com

Safety Tips

Safety Tips

What to Do After a Car Accident

Each year, thousands of people are involved in traffic accidents during the Memorial Day Weekend. If you are one of these unfortunate people, will you know what to do in the aftermath of a collision? How you react can prevent further injuries, reduce costs and accelerate the clean-up and repair process.

The Consumer Protection Association of America is increasing public awareness on this subject by designating the week before Memorial Day "National Driver Education Week." The Association has developed a list of suggestions to help drivers anticipate what they need to know about dealing with an accident.

"These tips can make a big difference in everything from protecting yourself and your passengers to ensuring that you won't be without a car while yours is in the shop," said Dr. Ray Bruce, president of the association.

*)
So, if you are involved in a traffic collision, try to remain calm, and follow these steps:

Action Plan to Deal with Accidents:

1. Keep an Emergency Kit in Your Glove Compartment. Drivers should carry a cell phone, as well as pen and paper for taking notes, a disposable camera to take photos of the vehicles at the scene, and a card with information about medical allergies or conditions that may require special attention if there are serious injuries. Also, keep a list of contact numbers for law enforcement agencies handy. Drivers can keep this free fill-in-the-blanks accident information form in their glove compartment. The DocuDent™ Auto Accident Kit ($19.95), supported by AAA and insurance companies, offers a comprehensive kit that includes a flashlight, reusable camera and accident documentation instructions. A set of cones, warning triangles or emergency flares should be kept in the trunk.

2. Keep Safety First. Drivers involved in minor accidents with no serious injuries should move cars to the side of the road and out of the way of oncoming traffic. Leaving cars parked in the middle of the road or busy intersection can result in additional accidents and injuries. If a car cannot be moved, drivers and passengers should remain in the cars with seatbelts fastened for everyone's safety until help arrives. Make sure to turn on hazard lights and set out cones, flares or warning triangles if possible.

3. Exchange Information. After the accident, exchange the following information: name, address, phone number, insurance company, policy number, driver license number and license plate number for the driver and the owner of each vehicle. If the driver's name is different from the name of the insured, establish what the relationship is and take down the name and address for each individual. Also make a written description of each car, including year, make, model and color — and the exact location of the collision and how it happened. Finally, be polite but don't tell the other drivers or the police that the accident was your fault, even if you think it was.

4. Photograph and Document the Accident. Use your camera to document the damage to all the vehicles. Keep in mind that you want your photos to show the overall context of the accident so that you can make your case to a claims adjuster. If there were witnesses, try to get their contact information; they may be able to help you if the other drivers dispute your version of what happened.

5. File An Accident Report. Although law enforcement officers in many locations may not respond to accidents unless there are injuries, drivers should file a state vehicle accident report, which is available at police stations and often on the Department of Motor Vehicles Web site as a downloadable file. A police report often helps insurance companies speed up the claims process.

6. Know What Your Insurance Covers. The whole insurance process will be easier following your accident if you know the details of your coverage. For example, don't wait until after an accident to find out that your policy doesn't automatically cover costs for towing or a replacement rental car. Generally, for only a dollar or two extra each month, you can add coverage for rental car reimbursement, which provides a rental car for little or no money while your car is in the repair shop or if it is stolen. Check your policy for specifics.

The final question in dealing with an accident is usually who will pay for the damages? If the accident was minor, you and the other drivers may decide to handle the damages yourselves without the involvement of an insurance company. But this isn't always the best idea, for several reasons.

While the other driver may agree to pay for the damage to your car on the day of the accident, he may see the repair bills and decide it's too high. At this point, time has passed and your insurance company will have more difficulty piecing together the evidence if you file a claim.

Also, keep in mind that you have no way of knowing whether another driver will change his mind and report the accident to his insurance company. He may even claim injuries that weren't apparent at the scene of the accident. This means that your insurance company may end up paying him a hefty settlement, or worse yet, you could be dragged into a lawsuit. So make sure that your company has your version of what happened and check your policy — if the damages paid out by your insurance company are below a certain amount, the accident may not be considered chargeable. And you will avoid the penalty of a premium hike.

Auto accidents take a tremendous toll on everyone involved, both financially and emotionally. If you're one of the lucky ones who have thus far avoided a serious accident, hopefully the tips on prevention will help keep it that way. The chances are high, though, that at some point you will be involved in a minor accident. Just keep your head and make safety your primary concern. You'll have plenty of time to deal with the consequences later.

Source from : www.edmund.com

By Philip Reed, Senior Consumer Advice Editor

*) have some modification

I Had a Car Accident - Now What?

Steps to Take After a Car Accident

By Bobbie Sage, About.com

Although car accidents are more prevalent in this years*, what you need to do after an accident never changes. Obviously it is hard to think clearly after a car accident so it is important to know before you get into an accident what to do first and what questions may need answered. This checklist will help you know what to do after a car accident. It is best to review it now and then print it out and keep a copy with you in your car.

• Determine the Extent of Damage or Injuries

  Try to stay calm. Panic can make others panic and the situation worse. There needs to be a calm person to determine the extent of damage and to determine if there are any injuries that need immediate medical attention.

• File a Car Accident Report with the Police

  Even in a minor accident it is important to make sure there is a legal accident report. Do not leave the scene until the police file a full report.

• Discuss the Car Accident Only with the Police

  With everyone all shook up it can be hard not to talk about what just happened, but that can also lead to you not thinking clearly and accurately about what happened. It is important to limit your discussion of the accident and not to admit any fault or liability. You should talk about the accident with the police and your insurance agent only.

• Get the Facts

  This is the part most people know to do, but often forget to after the accident for one reason or another. It is important to get names, address, and phone numbers of everyone involved in the accident. A description of the car and license plate number can also be helpful, but make sure you also get their insurance company and the vehicle identification number of their car. Don't just assume the license plate number will do because most insurance companies only record the type of car and the vehicle identification number, not the license plate number.

• Call you Insurance Agent

  Call your agent or insurance company's 800-number immediately, even at the scene with the police if possible. Sometimes the police officer can give your insurance company more accurate information rather than information you may not be recording properly because you are upset by the accident. This can save you a lot of time later waiting for your claim to be processed.

Source from : www.about.com

*) additional/creation => correct version is the winter month.

How important Car Insurance …?

How important Car Insurance …?

As you know, many thing can happen to your car if you watch television, newspaper and you find many things about car accident .Car accident is out of control .It is happen anytime , car accident is unpredictable.If it’s happen to you, it will make you spend a lot money.

Picture source from : www.car-accident.com

What Car Insurance Company Must Do to Earn Your Business?

August 4, 2008 @ 10:17 am · Filed under Insurance

When you buy a car insurance, you are making a purchase that protects you in the event that something bad happens in the future. It is very easy to find competitive car insurance quotes on the Internet. CarInsuranceRates is a good example. Here you will get many insurance information so that you can decide your best insurance quote. It may very well earn our business, because how much we spend is important to us.

Regardless of who you make your purchase from, there are a few things that every car insurance company must do to earn your business:

1. They must give you confidence that you are in fact actually covered. Car insurance is not an option, but rather a requirement to be able to legally drive.
2. They must provide a basic coverage for what is required in the state where you live. You are looking for coverage against personal liability, fire, theft, accidents, vandalism and these sorts of things.
3. They must provide service on the back in for their customers. If we have a problem we expect to be taken care of. If we get an accident of our car is no longer drivable than we will need a rental car and we want to be able to get that quickly.
4. Last, it must be competitive.

In conclusion, you should do some research to get the best insurance company that will give you a best quote. It will earn your business because you will spend lower cost for your car insurance.

Source from : www.otocontest.com