Auto insurance, Car insurance quotes, Online auto insurance
Vehicle insurance (also known as auto insurance, gap insurance, car insurance,
or motor insurance) is insurance purchased for cars, trucks, motorcycles, and
other road vehicles. Its primary use is to provide financial protection against
physical damage and/or bodily injury resulting from traffic collisions and
against liability that could also arise therefrom. The specific terms of vehicle
insurance vary with legal regulations in each region.
Coverage levels
Vehicle insurance can cover some or all of the following items:
- The insured party (medical payments)
- The insured vehicle (physical damage)
- Third parties (car and people, property damage and bodily injury)
- Third party, fire and theft
- In some jurisdictions coverage for injuries to persons riding in the insured
vehicle is available without regard to fault in the auto accident (No Fault Auto
Insurance)
Different policies specify the circumstances under which each item is covered.
For example, a vehicle can be insured against theft, fire damage, or accident
damage independently.
Excess
An excess payment, also known as a deductible, is a fixed contribution that must
be paid each time a car is repaired with the charges billed to an automotive
insurance policy. Normally this payment is made directly to the accident repair
"garage" (the term "garage" refers to an establishment where vehicles are
serviced and repaired) when the owner collects the car. If one's car is declared
to be a "write off" (or "totaled"), then the insurance company will deduct the
excess agreed on the policy from the settlement payment it makes to the owner.
If the accident was the other driver's fault, and this fault is accepted by the
third party's insurer, then the vehicle owner may be able to reclaim the excess
payment from the other person's insurance company.
Sometime, it may have been cumbersome and difficult getting online auto
insurance quotes, back in those days, because of the problems you had to go
through getting to the auto insurance underwriters or brokers but not anymore
these days. Things have changed drastically and for the better because of the
World Wide Web. Internet has made the tedious job of getting online auto
insurance quotes much more efficient and easier for car owners all over the
world.
Get an auto insurance quote free online. Find advice on the right car insurance
policy for your vehicle and coverage needs.
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