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How Exactly Does Auto Insurance Work?

11/02/2018
Most people get auto insurance because they are legally required to, but it’s so much more than just an arbitrary expense to satisfy the government. Depending on what kind of policy you have, auto insurance can help you get compensation in the event of an auto collision, theft, and other related problems. If your car is damaged or stolen, your insurance provider will cover the cost of repairing or replacing the vehicle. Money may also be available to pay for medical bills after a wreck. But how exactly does it work?
auto-insurance

What is Auto Insurance? 

Motor vehicle insurance is a type of policy that offers financial protection for the vehicle as well as those who may be inside of it during a collision. The amount of protection is determined at the time a policy is purchased. Policies are priced based on the risk that the insurance company takes. Therefore, if you have been in an accident previously or have a poor driving record, your policy may cost more than others who have never been in an accident or gotten a ticket.

How Do I Buy a Policy?

An insurance policy can be purchased online or through a local auto insurance agent. Ideally, you will buy at least $100,000 worth of bodily injury coverage per person and $300,000 worth of coverage per accident. It may also be in your best interest to buy collision coverage as well as extra coverage in case you are in an accident with an uninsured driver.

Why Are There So Many Different Types of Policies?

There are many different types of policies because there are many different types of ways a car could be damaged. For instance, if your car is hit by a shopping cart, there isn’t another driver to seek damages from. Therefore, insurance companies created comprehensive coverage to handle those scenarios. If you are at fault for causing an accident, your collision insurance will cover the cost of fixing your vehicle.

How Do I File a Claim?

If your car is damaged or you are hurt in a crash, it is necessary to file an insurance claim. This is done by calling your insurance company and telling them the details of the accident. You’ll want to make sure you have photos of the accident, a police report and all necessary documents in order to answer your agent’s questions. They will be able to guide you through what you need to do for filing your claim since insurance companies have different internal procedures for making that claim.
While there ways to minimize the likelihood of getting into an accident, there is no way to prevent one entirely. Therefore, it is important that you have adequate insurance to protect yourself financially if a crash makes it impossible to work or causes significant damage to your car.

The Many Good Reasons for You to do a Coolant Flush.

12/21/2021
If all your owner’s manual, mechanic and car manufacturer tend to do after a couple of years since the purchase is to give you a coolant flush, then there must be some good reasons for doing it.There are many reasons why you should have a coolant flush done to your car. A coolant flush is regularly scheduled maintenance for your car that is often overlooked by drivers and car owners. When the engine is at normal operating temperature, the antifreeze protects the engine from overheating. If the c

Winter Driving Tips

11/14/2021
The winter season brings change to the driving landscape; not only does the climate outside get colder, but driving conditions get harsher. With colder temperatures comes more things that can affect your driving ability like wet roads, snow-covered roads, and freezing rain. Driving in winter conditions is something that must be practiced to become an expert, but there are some tips that can make it easier. Follow this guide for safe winter driving. Check your tires now, make sure you see an M+S

How To Set Up Your Daily Driver For The Slippery Winter Roads While Dodging The NHTSA “Facts & Figures” Sheet.

09/30/2021
According to the National Highway Traffic Safety Administration, over 116,800 people are injured from traffic-related incidents due to snowy, slushy, icy, and wet roads. With rear-end collisions being the most common and factors ranging from driver error, driving while impaired, driving while fatigued, and improper vehicle preparedness. Although there are many factors to these statistics we can reduce the number of injuries by preparing your vehicle for the oncoming slippery months of the year.

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