Few people pay much attention to their car insurance coverage, wrongly assuming that all insurance is created equal. While most insurance does include basic coverage of collision, liability and comprehensive, there are multiple other facets of car insurance that get overlooked and may not be covered by the cheaper policies. Let’s examine all the different types of coverage and which ones will be most important for you.
Basic Coverage
Liability
This coverage is required of all car insurance policies in most states. This covers any injury or damages to a third-party caused by an automobile accident or other event involving your car.
Collision
This is coverage that covers the repair costs for any automobile damages suffered from an accident. This coverage is required of anyone with a leased automobile.
Comprehensive
This pays for damages to your car… Continue reading
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car insurance
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It’s a widely known fact that the majority of road accidents are caused by drivers who have only recently passed their test; but it’s unclear as to whether this is actually due to reckless driving or if there’s another, less obvious cause.
Everybody looks upon a newly-passed driver as a speed demon who can’t wait to show off to friends and put foot to the floor. But in reality, a young driver is often more likely to be cautious when venturing out alone for the first time behind the wheel. While hesitancy on the roads can cause accidents if surrounded by less than vigilant experienced drivers, the cause is far more likely to be the car itself.
Although some doting parents buy their child their first car, this isn’t a luxury afforded… Continue reading
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car insurance,
cheap car insurance
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Houston, the fourth largest city of the United States has broad industrial base in the energy, manufacturing, aeronautics and technology. It is also famous as leading center for constructing oilfield equipments. It has also many centers of tourist attractions as well and it is the car rental that promises a comfortable journey of Houston.
Now you have finally booked car rental for your pre-planned journey of city of Houston and are in final phase of signing out the contract papers with car rental agency. But before stepping into the car and driving it out towards your designated place in Houston, it is the very necessary on your part to know whether you are through all the necessary steps and with complete papers for hiring a car. So you need to be… Continue reading
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car insurance
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Drivers using cell phones are as impaired as drivers who are legally drunk, says a 2003 study by University of Utah psychologists.
Over the last few years, I’ve read lots of articles about how cell phone usage while driving is distracting to drivers. Increasingly, that distraction leads to traffic accidents. I’m sure you’ve witnessed some driver who is having a cell phone conversation while seemingly unaware of the traffic around them. Ever been cut off by a cell phone user? Ever been in an accident with someone who was talking on their cell phone? Have you caused an accident while talking on your phone?
I know that it happens with increasing regularity. I never thought it applied to me, though…until I did a somewhat informal test. I compared the times I was… Continue reading
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This applies to auto insurance, home insurance and even life insurance.
There are a few differences between a Broker and a call center company when dealing with your insurance. The biggest difference is that a Broker works on your behalf as opposed to the call center representative who works for the insurance companies. Yes, Brokers are paid a commission by the insurance companies but Brokers only get paid a commission if they have clients (you) and those clients are happy with the service they receive.
Although call centers only make money if they have clients as well, the call center rep you speak to when you get a quote, have a claim or change your car have a lot less to lose then a Broker does and usually you will not receive… Continue reading
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Auto Insurance,
home insurance,
life insurance
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