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Dec
Automobile Insurance Basics
Automobile insurance is used to protect you against expenses if you are involved in an automobile accident.
Liability coverage is required by North Carolina law.
The liability section can be separated into Bodily Injury Liability and Property Damage Liability. Bodily Injury will pay for damages to other people as a result of an accident caused by you or another covered driver.
The property damage liability will pay for damages to other people’s property as a result of an accident that is caused by you or another covered driver.
The policy will pay up to the limits listed in your policy.
Comprehensive coverage (Other Than Collision) pays the cost of repair or actual cash value of your automobile less any deductible for a covered loss. Losses caused by the following are considered comprehensive claims, breakage of glass, contact with an animal, fire, theft.
Collision means physical damage to your covered vehicle caused by an impact with another vehicle or object. This coverage pays the lesser of the cost of repair or actual cash value of your automobile.
Medical Payments coverage pays for reasonable and necessary medical and funeral expenses due to an automobile accident.
Uninsured/Underinsured Motorist coverage will provide protection when an uninsured or underinsured driver, who is at fault, injures you or another covered individual. An underinsured driver is one whose limits of liability are less than your UIM limits and not enough to cover the losses of the people the underinsured driver injuries in an at fault accident.
Some miscellaneous coverage includes coverage for rented vehicle, towing and labor cost coverage, or extended transportation expense coverage.
C Bruce Matthews
TruOptions Personal & Commercial Insurance, LLC
online car insurance on Apr 08, 2010
Hello guys!
With respect to your specific quesitons, the insurance and fault, lies with a combination of who is driving the car, if they have the permission of the owner, and the owner of the car, and what insurance is on each, and the rules of the state and different states have different rules…
online car insurance
Mark on May 01, 2010
Quality process - I have position the script along my Christmas wish heel and brought it to my web logs situation.
Give Thanks you for alarming me to your locating - I don’t read every post altogether, I experience, and this great slipped last my microwave radar.
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Brian Stern on Jun 10, 2010
Hey there thanks for sharing this useful information on auto insurance quote online. I found it very informative. It is a fantastic way to easily purchase a policy. It’s best to go to a car insurance aggregator such as http://insurancefacts.co.uk/. Here you can compare multiple covers and quotes. Great stuff and information.
registry cleaners on Jun 30, 2010
Thanks for sharing.
washing machine on Jul 21, 2010
that was a useful piece of information but i have a question for you to answer, How do you find insurance records from a previous owner of a car?
satellite navigation on Jul 21, 2010
What is no-fault insurance?
HID Conversion on Aug 09, 2010
I’m doing a research for my course , comparing this service in my country to which in the USA ...and more specifically about the private and commercial cars… a claim saying that USA’s provisions are strictly applied ..i.e the son driving his father private car is not entitled to any compensation in case an accident is occurred .
HID Conversion
irvinelmo on Aug 11, 2010
Hi,
Car Insurance provides the necessary cover if you meet with some unforeseen incident or an accident,however there are few benefits you can enjoy even if you don’t have a bitter experience.
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Jerry on Aug 19, 2010
Typically, insurance rates will vary from State to State and can even vary by zipcode.It also will depend on the type of car and truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and clue Comprehensive Loss Underwriting Exchange report to see about undisclosed accident involvement.Insurance reviews