Auto insurance that you purchase insurance for your cars, trucks, motorbikes and boats etc. It provides protection against losses that may arise as a result of traffic accidents. Although this may sound simple enough to understand, there are many types of car insurance available and can be somewhat confusing. Your level and types will vary depending on the policy you choose. In general, these are the most common types of auto insurance programs available for you:
Different Auto Insurance Available
Collision Coverage: insures your vehicle against the repairs if the vehicle in the event of an accident or the cost of purchasing a new car if yours is damaged after repair.
Comprehensive Coverage: insures your vehicle against the cost of purchasing a new vehicle, your stolen or damaged in the fire.
Several Auto Insurance
Personal Injury Protections (PIP) - insures against medical costs and lost wages in connection with the ownership or maintenance vehicles. This insurance is mandatory in most states, but not all, so make sure the requirements of your country.
Medical Payments (MP) - insures against medical costs for injuries in an accident, which is higher than the costs, including personal injury protection (PIP).
Legal claims against the owner or driver of the vehicle causing damage or injury to third parties involved in an accident. Liability applies only to legal liability.
Comprehensive insurance covers PIP, MP, and legal liability. In the United States, liability covers claims against the insured, and that any other operator of the vehicle insured. If other operators live at the same address, must apply in addition to auto insurance.
Comprehensive insurance covers most of the damage information, which could affect the car, the driver is a risk associated with buying a new car, which is not included and comprehensive insurance. In essence, once the car is purchased, the decrease of the total value of the cars. During this time, the remaining car payments exceed the value of the vehicle, which pays for insurance compensation was (destroyed) vehicle. To help with this scenario, the insurer may purchase GAP insurance. GAP covers these costs. GAP insurance was established to support the consumer-based purchasing and market development.
As you can see, there is much different car insurance for a new policy. Make sure you have all the details and you have the best coverage for you, your car and your family that you need, when you are in an accident. Also keep in mind that these general laws, and may vary within the state to ask!
Saturday, May 30, 2009
Sunday, May 17, 2009
Sensational Wait Start Small Cars
The premium small car segment is the busiest in the next few months. A swamp of hot start is linked to India this year. The bound flights, there were no premium car segment in general. But the scene is changing, because some of India's largest car manufacturers plan to launch premium small cars in the next few months. For the year as the most crowded part of the Indian automobile industry.
The premium for small cars treated so that consumers who like the small cars that is elegantly designed and fully loaded with modern conveniences.
New Maruti Suzuki launched Ritz. Maker claims to be the most stylish and elegant car in its stable. Ritz is approximately R 5 lakh RS 5.5 lakh. It is the first car that meets BS IV emission standards. It is powered by a highly efficient engine K12M, Ritz is hit the market in less than six years after the A-Star was launched.
On the back of the launch of the Honda Jazz is the expected number of car buyers. Jazz appears in showrooms in June of this year. Prices start from R 7 lakh year, which is slightly lower than the cost of the Honda City. Honda has its signature features like airbags and G-Con technology. It is likely to have anti-lock braking system. He was a large headroom and leg.
Shortly after that Volkswagen plans Brig its small car Polo. It is expected to start in the autumn of 2009 or early 2010. Trial production has begun for the Volkswagen Polo is a facility in Chakan near Pune. Polo is a strategic product for Volkswagen, which plans to increase its market share. If a small car Polo is likely to generate a high turnover. A Polo sedan is also in the pipeline. Until now, the presence of Volkswagen in India is confined to his luxury Saloon Passat and Jetta.
Another significant launch is likely to come from Fiat Motors. While this is good news on the international market, Fiat has not lost focus on the Indian car market. The company has recently launched a stylish sedan Linea. The next product on the market is either Grande Punto or Bravo. Existing small car Palio and Palio stile is charming decent sales. All Fiat products cost about R 10 lakh.
Indian car buyers will have festival pt cars in the coming months. Sales will be high and the auto market is expected to be buoyant.
The premium for small cars treated so that consumers who like the small cars that is elegantly designed and fully loaded with modern conveniences.
New Maruti Suzuki launched Ritz. Maker claims to be the most stylish and elegant car in its stable. Ritz is approximately R 5 lakh RS 5.5 lakh. It is the first car that meets BS IV emission standards. It is powered by a highly efficient engine K12M, Ritz is hit the market in less than six years after the A-Star was launched.
On the back of the launch of the Honda Jazz is the expected number of car buyers. Jazz appears in showrooms in June of this year. Prices start from R 7 lakh year, which is slightly lower than the cost of the Honda City. Honda has its signature features like airbags and G-Con technology. It is likely to have anti-lock braking system. He was a large headroom and leg.
Shortly after that Volkswagen plans Brig its small car Polo. It is expected to start in the autumn of 2009 or early 2010. Trial production has begun for the Volkswagen Polo is a facility in Chakan near Pune. Polo is a strategic product for Volkswagen, which plans to increase its market share. If a small car Polo is likely to generate a high turnover. A Polo sedan is also in the pipeline. Until now, the presence of Volkswagen in India is confined to his luxury Saloon Passat and Jetta.
Another significant launch is likely to come from Fiat Motors. While this is good news on the international market, Fiat has not lost focus on the Indian car market. The company has recently launched a stylish sedan Linea. The next product on the market is either Grande Punto or Bravo. Existing small car Palio and Palio stile is charming decent sales. All Fiat products cost about R 10 lakh.
Indian car buyers will have festival pt cars in the coming months. Sales will be high and the auto market is expected to be buoyant.
Thursday, May 7, 2009
What to do after car accident
Although unpleasant to consider, which is a good idea to be aware of what to do immediately after the accident, if not for the benefit of your car insurance claim, at least for your safety. These moments can be disorientating, confusing and stressful, but at least with the correct procedures can other complications, even after it is over.
The first thing to remember, after every accident, no matter how unserious as it seems, is to stop safely to assess any damage that may result from vehicles or goods. Take-up, without a stop at a later stage could be seen as careless and another party may be subject to arrest. If you press the emergency lane of the highway and it is necessary to wait for help, the driver and passengers should try to wait at a safe distance from the vehicle and the road.
Assume that no one is injured, and rescue services may not be logged, you should get detailed information on everyone involved, as witnesses. This includes full names and phone numbers and addresses and license plates of vehicles. If you have a driver you should be prepared to provide information about your insurance, your insurance and your policy number, which you asked for.
Then it makes sense to the accident scene. It is better to be in detail how you can and should draw a picture or sequence of drawings of the chain of events, including the location of vehicles and witnesses. Recently, mobile phones and digital cameras were also used to keep records of all relevant aspects (eg the weather or damage, etc.), the scene immediately after the accident.
Finally, one of the most important issues relating to insurance should not accept that an obligation or any financial aid, because it can cause your car insurance invalid. You must remember that the faults are always the best decision after the examination and discussion of the insurance companies, which could affect every aspect of the event.
The first thing to remember, after every accident, no matter how unserious as it seems, is to stop safely to assess any damage that may result from vehicles or goods. Take-up, without a stop at a later stage could be seen as careless and another party may be subject to arrest. If you press the emergency lane of the highway and it is necessary to wait for help, the driver and passengers should try to wait at a safe distance from the vehicle and the road.
Assume that no one is injured, and rescue services may not be logged, you should get detailed information on everyone involved, as witnesses. This includes full names and phone numbers and addresses and license plates of vehicles. If you have a driver you should be prepared to provide information about your insurance, your insurance and your policy number, which you asked for.
Then it makes sense to the accident scene. It is better to be in detail how you can and should draw a picture or sequence of drawings of the chain of events, including the location of vehicles and witnesses. Recently, mobile phones and digital cameras were also used to keep records of all relevant aspects (eg the weather or damage, etc.), the scene immediately after the accident.
Finally, one of the most important issues relating to insurance should not accept that an obligation or any financial aid, because it can cause your car insurance invalid. You must remember that the faults are always the best decision after the examination and discussion of the insurance companies, which could affect every aspect of the event.
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