BACA : Upin Ipin Kak Ros Tak Pakai Baju, Boboiboy Kawin Dengan Yaya.. Bahaya Youtube Untuk Anak2..
Sumber : ISLAMIK.INFO
More Article :
Top Tips for Cheaper, Better Car Insurance
Do you have the right car insurance?
Do you have enough coverage? While most people know whether they have
liability, collision and/or comprehensive coverage, few people pay much
attention to their insurance coverage
until after they've been in an accident. Shopping for car insurance is a
financial planning topic that is often overlooked, since most teenagers
are added to mom and dad's insurance policy when they first get behind
the wheel, and then later shop for the least expensive policy when they
have to the pay the bill on their own. In this article, we'll go over
car insurance coverage and give you some tips to help you get the most
for your money.
The Basic Types of Coverage
Protecting your assets and your health are two of the primary benefits of car insurance. Getting the proper coverage is the first step in the process. These are the basic types of coverage with which most people are familiar:- Liability: This coverage pays for third-party personal injury and death-related claims, as well as any damage to another person's property that occurs as a result of your automobile accident. Liability coverage is required in all but a few states.
- Collision: This coverage pays to repair your car after an accident. It is required if you have a loan against your vehicle because the car isn't really yours — it belongs to the bank, which wants to avoid getting stuck with a wrecked car.
- Comprehensive: This coverage pays for damage incurred as a result of theft, vandalism, fire, water, etc. If you paid cash for your car or paid off your car loan, you may not need collision or comprehensive coverage, particularly if the blue book value of your car is less than $5,000.(For additional reading, see: Pros And Cons Of Leasing Vs Buying A Vehicle.)
Additional Coverage
In addition to the coverage listed above, other optional coverage types include the following:- Full Tort/Limited Tort: You can reduce your insurance bill by a few dollars if you give up your right to sue in the event of an accident. However, giving up your rights is rarely a smart financial move.
- Medical Payments/Personal Injury Protection: Personal injury protection pays the cost of medical bills for the policyholder and passengers. If you have good health insurance coverage, this may not be necessary. (For additional reading, check out Fighting The High Costs Of Healthcare.)
- Uninsured/Underinsured Motorist Coverage: This option provides for medical and property damage coverage if you are involved in an accident with an uninsured or underinsured motorist.
- Towing: Towing coverage pays for a tow if your vehicle cannot be driven after an accident. If you are a member of an automobile service, or if your vehicle comes with roadside assistance provided by the manufacturer, this coverage is unnecessary.
- Glass Breakage: Some companies do not cover broken glass under their collision or comprehensive policies. In general, this coverage is not worth the long-term cost.
- Rental: This insurance option covers the cost of a rental car, but rental cars are so inexpensive that it may not be worth paying for this coverage.
- Gap: If you demolish that $35,000 sport utility vehicle 10 minutes after you drive it off the lot, the amount the insurance company pays is likely to leave you with no vehicle and a big bill. The same thing applies if your new set of wheels gets stolen. Gap insurance pays the difference between the blue book value of a vehicle and the amount of money still owed on the car. If you are leasing a vehicle or purchasing a vehicle with a low, or no, down payment, gap insurance is an excellent idea. Read more: Top Tips For Cheaper, Better Car Insurance https://www.investopedia.com/articles/pf/06/carinsurance.asp#ixzz5Bmd9r4WS
