Question by Morteza Beheshti: My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good?
My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good enough to get in state of California?
1-Liability only?
2-Liability plus collision?
3-Full coverage?
4-Any other type?
Regards,
Mo.
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If you merely search for “understanding auto insurance” and “auto insurance facts” on the Internet, you may find a good, two-paragraph summary somewhere, or you may just get buried under about 4,300,000 hits (which the first phrase brought up on Google). Besides the many thousands that mention all kinds of companies or coverage types, you will also have to wade through many more thousands of sales pitches just to get decent definitions of liability, collision, medical coverage, deductibles, driving records and common policy limitations. This article will fight the tendency to “Internet overkill,” and hit the important points for you.
The most important point, of course, is to read your existing policy thoroughly. If you are shopping for coverage for the first time, take the following suggestions to heart, and continue your research in a targeted, effective manner. In fact, if you are in the market for auto insurance, one of the best approaches is to get yourself educated enough so that you can understand what you are being told, and then let a few insurance websites or local agents compete for your business.
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My wife and I were involved in an auto accident recently. We were hit from behind while waiting at a traffic light (red).
They other diver aggreed that it was his fault. Both of us have auto insurance from same company. His policy is covering damage to my car. My insurance company (which is same as his) says I get health coverage from my policy and not his policy.
Since it is from my policy, they say, I am subjected to deductibles and co-pay.
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I was in a car accident. Can I have my doctor bill my Health Ins Coverage so he can get paid faster and continue my care. If I bill the Auto ins it may take years before they settle and my doctor is left holding the bag until the claim settles. Can my health ins pay then they can go after the auto insurance? Is there a TX state law that says who should be primary?
27 year old male driving 2002 ford ranger accident in 2003 accident and ticket-driving too fast for condition crashed on a snowy night in 2007 and driving on median in 12/09 currently paying 550 every 6 months w state farm
My car is worth $3,000 and I drive approximately 200 miles per week. I currently pay $517 for 6 months of full coverage. My basic collision deductible is $400. Would it be smart to drop down to PLPD insurance and not have full coverage??
Ohio Auto Insurance – What is Comprehensive Ohio Auto Insurance?
By: Jim Zuccaro
Many people buying auto insurance don’t know the difference between collision coverage and comprehensive coverage. Collision coverage is what you buy for a collision between two automobiles. Comprehensive is everything else that can happen to your car. This is why it is often required if you have an automobile on payments. This type of Ohio auto insurance is needed in those cases due to the liability of the car’s payments. Many people discontinue their comprehensive coverage as soon as their car is paid off, because they see it as an expense they don’t need. But the question becomes, is it really an expense you don’t need, or is it a coverage you can’t afford to not have?
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Auto insurance is an unavoidable fact of life for drivers. In fact, it may well be better to view at as a necessary good rather than a necessary evil (as is perhaps more traditional), as the right kind of cover can really come to your rescue if something unfortunate does happen while you are on the road.
Auto insurance requirements will vary from state to state, and insurance is certainly necessary in order to drive legally in Utah.
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