Friday, March 9, 2007

Is there a need to buy Car Insurance?

Is it neccesary to buy a car insurance coverage for your car or vehicle?

First you got to understand that Car insurance is compulsory by law. This applies in all countries.

When people who are involved in mishaps and accidents without car insurance are not just being careless about their own car. They are essentially being careless with you and your car as well.

When shopping for car insurance, it's easy to get confused about what coverage to buy. You want to keep your costs low, but you also want to be sure to be adequately protected.

Suppose you are involved in an accident and hurt someone , and it is determined that you were at fault; then the other party's medical bills would be your responsibility.

Comprehensive insurance covers flood, vandalism, hail, and fire damage, as well as theft.

For instance, you crash your car into another car, vehicle, any private or public objects or properties. Your car insurance property damage liability will help pay for these damages.

Make sure you are covered by your car insurance on various liablities. Uninsured motorist coverage pays for injuries received in accidents with those who don't carry liability insurance at all.

Make sure damage to your vehicle is covered if the other party doesn't have enough insurance. Underinsured motorist coverage takes care of damages to your vehicle once the other party's coverage is exhausted.

Think about the price of repairs to your car after an accident. Collision insurance will pay for accident-related repairs or replacement. Get the highest deductible you can comfortably afford to keep your car insurance premium low.

Consider your own personal health insurance before taking out a car insurer's medical payments insurance. This type of car insurance will pay the medical bills if you or your family-member or passengers are hurt in an accident. Keep in mind that passengers who don't have health insurance and/or aren't family members are not always covered by your carinsurance policy.

Collect medical payments due to you directly from your own car insurance company no matter who is at fault. No-fault insurance, along with personal injury protection that takes care of lost wages, funeral costs and some other expenses.

Join an AA (auto club or association) that offers rental or towing insurance services and other additional benefits.


RGann is an independent writer and marketer online. Ther are more ways to save money on car insurance. If you found this article useful you can learn a lot more about car insurance tips and resources by visiting

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