If you have a car, then you would need car insurance. The best car insurance can protect your car from any inconvenience should a likely car accident occur. But you should also be careful of what kind of car insurance you have. There are a lot of them available out there but not all can give you that coverage that you might be looking for.
As most other types of insurance available to choose from, the same thing goes with insuring your own car. There are different types that you can choose from, depending on what your needs are. There are liability car insurance policies that cover for accidental bodily injury as well as property damage to others. There are also policies that cover only damages caused by collisions with other vehicles or objects. There are also comprehensive car insurance policies that cover for loss or damage to the insured vehicle caused by circumstances other than car accidents. This may include car damage or loss due to fire, hail, vandalism, or theft.
Another type of car insurance policy available for you covers for medical expenses for injuries caused by a car accident regardless of fault. There is also a type of car insurance policy called Personal Injury Protection (PIP) that covers an insured driver for injuries acquired from a car accident, regardless of fault. There are also car insurance policies that can cover a motorist from car damages in a car accident with a driver who doesn’t have liability insurance.
There is also a type of policy for covering car damages caused by a car accident caused by the other driver who has insufficient liability insurance. Fro rental cars, there is also a type of car insurance that will pay for damages caused by an accident on the road. These types of car insurance can also be found in combination to give you a variety of policies to choose from.
Knowing what your exact needs are and being aware of the minimum car insurance requirement in the place where you live in can help you in being able to choose the best car insurance policy to cover your own vehicle.
There are useful tips available to help you look for a good car insurance policy that can help you keep your premium payments down to a minimum. In looking for good car insurance, you should also try looking for car insurance available for you online. You might be able to avail of discounts for car insurance policies purchased online.
You can also try to limit your car’s mileage before you try to get an insurance quote for it. The lower the mileage, the lower the insurance quote. Try not to modify or customize your car as it might affect your car insurance coverage.
You can also try to restrict the number of drivers on your car insurance policy as it might increase your premium payments later on. If you want to avail of good but affordable car insurance, then you can choose to drive a cheap but dependable vehicle because such cars can have policies that can well cover for damages at a very affordable premium. These are just but a few tips for you in getting that car insurance the cheaper way. A car insurance policy can greatly benefit a regular driver like you. It is never to early too get one for your car. You may never be able to handle the regret if you realize its need a little too late.
Robert Thatcher is a freelance publisher based in Cupertino, California. He publishes articles and reports in various ezines and provides car insurance resources on http://www.your-car-insurance.info
Article Source: http://EzineArticles.com/?expert=Robert_Thatcher
Tuesday, November 6, 2007
Monday, November 5, 2007
Car Insurance Policy
Plan Description
Classification of Motor Insurance
1) Private Car Insurance
This relates to private cars used for social and domestic purpose and / or business purpose.
2) Commercial Vehicle Insurance
All vehicles used for commercial purposes.
Lorries, taxis, vans, hire cars are insured under special contracts known as Commercial Vehicle policies.
3) Motor Cycle Insurance
This insurance relates to motorcycle only.
4) Motor Trade Insurance
Motor Trade Insurance are offered to garage and or individuals within the motor trade to ensure that their liability is covered whilst the vehicle being used on the road.
5) Special Types Insurance
This insurance covers motor vehicles such as forklifts, trucks, bulldozers, mobile cranes and excavators whilst in use on roads as well as building site and other private ground.
Types of Cover
When you buy a motor vehicle, you need to buy a motor insurance. The common types of cover are :-
1) Third Party Cover
This policy insures you, caused by your vehicle against claims for
- bodily injury or death caused to other persons (known as third party)
- loss or damage to third party property
2) Third Party, Fire & Theft Cover
This policy insures you, caused by your vehicle against claims for:-
- bodily injury or death caused to other persons (third party)
- loss or damage to third party property
- loss or damage to your own vehicle due to accidential fire
- theft of your vehicle
3) Comprehensive Cover
This policy is the widest form of cover whereby you are insured for
- claims for bodily injuries or death caused to other persons (third party)
- claims for loss or damage to third party property
- loss or damage to your own vehicle due to accidental fire
- theft of your vehicle
- loss or damage to your vehicle due to accident collision (own damage) or overturning
- loss or damage to your vehicle due to fire explosion or lightning , malicious act and burglary.
4) Extension Cover
The above standard motor insurance do not cover certain losses, such as :-
- your own death or bodily injury due to a motor accident
- your liability against claims from the pasengers in your vehicle
- loss or damage arising from as act of nature, such as flood, storm and landslide.
However, you may pay additional premiums to extend your policy to cover beyond the standard motor insurance.
Plan Benefits
MAA Assurance Private Car Comprehensive Insurance enjoys the following benefits:-
1) Free MAA Motor Club Membership
Free 24 hours Breakdown service available in all cities and most major towns.
Tol Free Number: 1-300-88-1622
2) Free Etching
Prevent auto theft - As an added security measure, free etching will be provided for MAA comprehensive Private Motorcar
3) 66 branches / servicing branches nationwide
MAA has the most number of branches nationwide for your convenience to insure your vehicle
4) 24 hours Motor Renewal Service
Available through MAA ATM Machine at selected locations.
5) Extensive Network of Panel Workshops
MAA s panel workshops are strategically located throughout the country ever ready to assist you in the event of mishap.
Classification of Motor Insurance
1) Private Car Insurance
This relates to private cars used for social and domestic purpose and / or business purpose.
2) Commercial Vehicle Insurance
All vehicles used for commercial purposes.
Lorries, taxis, vans, hire cars are insured under special contracts known as Commercial Vehicle policies.
3) Motor Cycle Insurance
This insurance relates to motorcycle only.
4) Motor Trade Insurance
Motor Trade Insurance are offered to garage and or individuals within the motor trade to ensure that their liability is covered whilst the vehicle being used on the road.
5) Special Types Insurance
This insurance covers motor vehicles such as forklifts, trucks, bulldozers, mobile cranes and excavators whilst in use on roads as well as building site and other private ground.
Types of Cover
When you buy a motor vehicle, you need to buy a motor insurance. The common types of cover are :-
1) Third Party Cover
This policy insures you, caused by your vehicle against claims for
- bodily injury or death caused to other persons (known as third party)
- loss or damage to third party property
2) Third Party, Fire & Theft Cover
This policy insures you, caused by your vehicle against claims for:-
- bodily injury or death caused to other persons (third party)
- loss or damage to third party property
- loss or damage to your own vehicle due to accidential fire
- theft of your vehicle
3) Comprehensive Cover
This policy is the widest form of cover whereby you are insured for
- claims for bodily injuries or death caused to other persons (third party)
- claims for loss or damage to third party property
- loss or damage to your own vehicle due to accidental fire
- theft of your vehicle
- loss or damage to your vehicle due to accident collision (own damage) or overturning
- loss or damage to your vehicle due to fire explosion or lightning , malicious act and burglary.
4) Extension Cover
The above standard motor insurance do not cover certain losses, such as :-
- your own death or bodily injury due to a motor accident
- your liability against claims from the pasengers in your vehicle
- loss or damage arising from as act of nature, such as flood, storm and landslide.
However, you may pay additional premiums to extend your policy to cover beyond the standard motor insurance.
Plan Benefits
MAA Assurance Private Car Comprehensive Insurance enjoys the following benefits:-
1) Free MAA Motor Club Membership
Free 24 hours Breakdown service available in all cities and most major towns.
Tol Free Number: 1-300-88-1622
2) Free Etching
Prevent auto theft - As an added security measure, free etching will be provided for MAA comprehensive Private Motorcar
3) 66 branches / servicing branches nationwide
MAA has the most number of branches nationwide for your convenience to insure your vehicle
4) 24 hours Motor Renewal Service
Available through MAA ATM Machine at selected locations.
5) Extensive Network of Panel Workshops
MAA s panel workshops are strategically located throughout the country ever ready to assist you in the event of mishap.
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