Home

Feature Article:

Making Sure Your Car is as Safe as Possible
(ARA) – Before you jump into your car for that long-planned road trip, there are a few things you need to take care of to make sure your trip will be a safe one. “Get an oil change, have your belts and engine checked, and if your windshield...
...Read More


Types of Auto Insurance Coverage Explained

Additional Reading

A question you might ask yourself is: why must we carry auto insurance? Hopefully one answer you should hear is to protect yourself and your car. For those same reasons the government also requires you to have car insurance.

The state of Florida requires you to carry at least the minimum requirements, which is property damage at ten thousand dollars and personal injury protection at ten thousand dollars. Property damage covers another person's vehicle if you are at fault in an accident. Personal injury protection covers 80 percent of medical expenses and 60 percent of loss wages as well as up to a five thousand dollar death benefit for you and your relatives (that reside with you), minus the deductible if it applies. This coverage would protect you in case there is any damage to other vehicles and gives you medical coverage for yourself.

There are many different types of auto insurance coverage to choose from, depending on what you want covered and what you can afford. Where should you get started?

First you should ask yourself if you have enough coverage in case of an incident occurring. Besides the minimum requirement coverage previously mentioned, there is another type of coverage that is very important, bodily injury.

Bodily injury coverage is not required by the state of Florida until you get into an auto accident. This would cover you if you were at fault in an accident and the person in the other vehicle suffered injuries exceeding their personal injury coverage. If you did not have this coverage the other party has the right to sue and the state may place a financial responsibility on your motor vehicle report, which you would have to carry for 3 years. That financial responsibility is called an SR22.

Uninsured motorist is another coverage you may want to consider. Uninsured motorist covers you if the other party was at fault and you were injured (exceeding your personal injury coverage) and they did not have bodily injury coverage. You may use this coverage to cover the difference of your injuries.

Where does you car fit for injury theft and collision? What about your dream car? Take a look at this run down based on 2000-2002 HLDI data:

There are two more very important types of coverage that you might want to explore they are: comprehensive and collision.

Comprehensive coverage would cover your vehicle in the event of fire, theft, vandalism, hail storm damage or any natural causes minus the deductible you agreed upon when purchasing your insurance.

Collision coverage would cover physical damage to your vehicle, if you were at fault in the accident, minus the deductible. The insurance company would pay the actual cash value of your vehicle. If your vehicle is financed comprehensive and collision coverage are possibly are required by your lending institution.

Extra medical payment coverage can also be provided if you are interested and the list goes on. All types of coverage are important but the reality of it is, what we can afford? Keep in mind your life and your family is very important so having insurance should be one of your main priorities.

With the web easily accessible you have a vast amount of knowledge at your fingertips to help you choose the best coverage for you and your lifestyle. Life is too short, get good advice and get the right insurance coverage for you and your family.

Visit http://www.carinsurance.com For Auto Insurance Quotes

About the Author

Belinda Ramos is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.

Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!

 

More Reading:


Maximize Your Fuel Efficience

Static on the Radio How Electrical Interference Can Affect Your Vehicle

Autumn Car Care Get Ready for Winter

Motorcycle Buyers Inspection

Just One Hour of Work Will Protect Your Car for up to Five Years

 
The Safest Luxury Cars to Insure

Retreads The Highest and Best Use for a Worn Tire

How to Transport Cargo Safely in Your Family Vehicle

How to install Neon LED Undercar lights

Toyota Tundra Recall New Trucks Brakes Break


Renting a Car? Safety Tips to Keep in Mind
(ARA) - If you're traveling by plane in the coming months, chances are you’ll be renting a car when you land. Driving an unfamiliar vehicle in an unfamiliar city can be stressful. But with a little foresight, you can be prepared and relaxed. ...
...Read More

Car Accident Lawyer Legal Advice
Car accidents are currently the number one killer of people between the ages of 1 and 37 in the United States. Car accidents, crashes, and collisions cause about 3 million injuries a year, 2 million of which are permanent and crippling injuries per...
...Read More

Motorcycle Parts And A Good Helmet
The most important part or accessory for a motorcycle is not its tires or the engine {although they are nearly as important} but there can only be a matter of life and death if you chose the wrong helmet. Not all the helmets offered provide you...
...Read More

Motorcycle Parts And The Money Savers
Have you ever wondered how difficult it is to maintain your motorcycle as good as new by look and performance? It's indeed difficult and its normal to have motorcycle parts wear out with time but a few tips to make them last longer and keep...
...Read More

Give a Gift That Saves Lives
(ARA) – Heavy snow and rainstorms, fog and dark roadways, crowded construction zones -- law enforcement personnel regularly work under very dangerous conditions. It’s not surprising that almost every day of the year, somewhere in the United...
...Read More