How To Get Car Insurance

By Author: dave
Total Articles: 4
Comment this article

Many people nowadays feel that car insurance is a waste of money. High premiums and complicated packages force many people to opt out of buying insurance for their cars. But car insurance is the most important thing that you can buy to protect yourself and your car as it protects the car from all types of accidents and eventualities both foreseen and unforeseen.

Car insurance comes in four forms i.e. it offers four basic types of coverage. Not all of them are mandatory by law but are offered nonetheless to protect the car and its owner. The first type is the Comprehensive Coverage. It protects the car from vandalism, fire, bad weather etc. i.e. things, other than accidents, which can affect the car. The second type is Liability Insurance. This type of insurance is helpful when you crash into someone else and damage that person's property. The third type is Personal Injury Protection. It is a type of medical policy and it covers your health and well being in any vehicle other even if it's not yours. The last type is Collision Insurance. It is normally optional and pays for the damages occurred during a crash if you are ...
... at fault.

Many people are unaware of the fact that in some countries if the police catch a person without car insurance then that car can be impounded that very moment and the license of the vehicle owner can be suspended for a period of time. In some countries it is illegal to own a vehicle without any car insurance. A person doing so can be charged with heavy fees and fines.

Other than the legal issue there are many reasons why you should buy car insurance . If you get involved in an accident and if it is your fault then you can be up to your eyeballs in debt as you would have to pay for all the damages and medical bills of the other person. Also if you get hurt in an accident then you would be faced with your own medical payments. In such situations car insurance really helps.

Another reason to have car insurance is the repair of your vehicle or someone else's vehicle or property incase of an accident. Again this can prove extremely expensive and you may have to sell of your assets to pay those bills. One single accident can force you to bankruptcy court. Thus it is crucial that you buy a good car insurance policy so as to shelter and safeguard not only your car but also you and your family.