| Auto Insurance FAQ |
| |
What is the difference between property damage liability insurance and collision insurance?
Property Damage Liability insurance is protection for the cost of damage you cause to the property of others. Collision insurance covers damage to your own car caused by a crash or upset, less any deductible.
Should I buy collision insurance if my car is an older model?
This is a personal decision. You may want to consider the value of your car or the amount of loss you can personally assume.
Will my policy pay for me to rent a car if mine is stolen?
Yes, if you have Other Than Collision (Comprehensive) coverage. Normally, once 48 hours have passed, and the theft has been reported to the police and your insurance company, the expense for a rental car is provided. Check your policy to see what auto rental coverage is applicable. The policy usually lists daily and lump sum dollar amounts.
Is uninsured and/or underinsured insurance a duplication of my health insurance coverage?
Sometimes it is. Many people realize substantial savings by coordinating their health insurance coverages with auto policies.
What does "no-fault" automobile insurance mean?
Where applicable, No-Fault insurance generally permits automobile accident victims to be directly reimbursed for medical and hospital expenses and loss of income by their own insurance company regardless of who was at fault.
|
|
|
| Auto Insurance |
| |
Car Insurance
Motor insurance is not a luxury; it is a necessity. Under the Road Traffic Act every driver on the roads of the UK needs to be insured against their liability for injury or damage to others. This includes passengers, other drivers, pedestrians, property and other vehicles. The minimum level of insurance that you are legally required to have in UK is third party insurance.
There are three basic types of car motor insurance covers
1) Third Party
2) Third Party Fire Theft
3) Comprehensive
As mentioned Third Party motor insurance covers the required liability insurance required by law. Third party covers this along with the possible theft of the vehicle should it be stolen. Comprehensive motor insurance vehicle policies normally cover all this plus any accidental damage to ones' own vehicle, medical expenses and the loss of personal items within a limit, along with any medical expenses incurred to a specified limit. Please note that we specialise in finding insurance quotes specifically for a new cars we unfortunately do not deal with any classic car insurance.
Van Insurance
Van insurance premiums are likely to rise this year with many major UK insurance companies announcing losses. This stated with premiums likely to rise it is even more important than ever to shop round for your van insurance cover let us do this for you. The commercial vehicle insurance products offered by our providers give a wide range of cover and pricing options, and special schemes for many different trades. We can offer competitive rates for most types of business, but do not include haulage. Through our network of insurance advisors we aim to provide you with a few of the cheapest possible quotes available in the UK market.
Motorbike Insurance
Trends in the market have found that bike premiums have risen by 17 per cent since the start of the year. It is advisable that the trend is set to continue; as Court Awards to victims of accidents increase and the NHS starts to claw back money spent on treating accident victims, from the Insurance companies. We will ensure that through our comprehensive network of insurance providers we get the best rate and policy cover available on the market.
car insurance comparison Easily complete an instant car insurance comparison from leading insurers by completing one single questionnaire instead of contacting companies individually. We help consumers find the cheapest company and even allow them to buy auto insurance online to receive instant proof of coverage.
|
|
