Find out about him car insurance how it works, It can be annoying and confusing because you have many options available not only in relation to the number of companies but also between the options of the type of coverage that they offer you and that you need to obtain.
In addition to this, each insurance company makes you dizzy with different information that you do not understand very much, for this reason below you will be able to understand how the insurance works, whether it is a new car or a used one.
Car insurance how it works on the new car
When you buy a new car and want to know about it car insurance how it worksMake sure to contact your insurance agent before completing the purchase process. If this is your first vehicle, then it is a good idea to buy coverage online to ensure that you get the correct coverage, as many states require that you have car insurance within 10-15 days of purchasing the car.
Of the 50 states, all except New Hampshire, require a liability coverage. And even some dealerships won’t let you drive out without proof that you’ve purchased the insurance. In the event that you have insurance coverage, you can transfer it to your new vehicle.
If you transfer an existing coverage, you should know that it has the exact same policy, therefore if you only obtained civil liability previously and want to add other coverage, you can add the collision and comprehensive coverage if you wish.
Anyway, if you buy a new car, it may be the best time for you to change insurance company and you will receive a new quote without waiting for your current coverage to expire.
Repair insurance
Auto repair insurance, or mechanical breakdown coverage, is a not very well known insurance option that is offered by some insurance companies such as GEICO and Mercury Insurance. It is a type of coverage that you can add to an insurance policy for any car.
If you add it to your policy, it can help you save so you don’t suffer the cost of car repairs such as engine repair.
Auto repair insurance is similar to service contracts or extended warranties sold to you by car dealers and manufacturers.
It will then cover the same types of problems, meaning it will fix mechanical problems for you after the new vehicle warranty expires.
Limits of car insurance policies
You should buy insurance coverage when your car has little mileage or time of use, as some insurance companies only allow you to register your car if it is less than 15 months old and has less than 15 thousand miles.
You can’t keep the same coverage over several years, because the car starts to age and break down. It is generally recommended that after 100,000 miles or seven years you change coverage.
On the other hand, auto repair coverage usually has a deductible of between $ 100 and $ 250, so many minor repairs will not be covered and if it is a major repair, you should contact your insurance company to file a claim and obtain a pre-authorization.
Then you can go to any authorized workshop of your choice and the insurance company will take care of the cost above the deductible.
What car insurance do I need?
The type of car insurance you need depends on many factors, for example the type of car you have, where you live and the health insurance you have, among others.
Car insurance: How does it work on the used car?
If you have an older used car, you may not be interested in comprehensive or collision coverage, especially if the cost of the collision is more than the cost of the vehicle.
How the auto insurance deductible works
When you buy car insurance, you may have seen the term “deductible”, but you don’t understand what it means, so …
In principle, deductible is the money that you agree to pay before the insurance company pays for a claim. For example, if your deductible is $ 500 and your car repair is $ 800, you will be responsible for paying the first $ 500 and the insurance company will pay the remaining $ 300.
How to choose the right car insurance deductible
The deductible you choose will depend on several factors, since a high deductible can lower your monthly insurance premium, you can choose a higher deductible to save money.
However depending on where you live and if it is a busy area where accidents occur frequently, a lower deductible could be less expensive in the long run.
While average auto insurance deductibles can vary from state to state or even from insurance providers, the most common deductibles are between $ 250 and $ 1,000 per accident.
Definitely when you have an accident with your car, many problems arise, legal conversations, accumulated bills are a real inconvenience and waste of time and money also affect, but when you have insurance, these problems become small and easy to solve. However, if you don’t have insurance, things can get out of hand.
What to do when you crash and don’t have insurance
In the United States, to drive a vehicle you must have some type of insurance, as all states have minimum requirements on the necessary insurance coverage. If you do not have insurance and you are involved in an accident you can go through several problems.
Uninsured car accident legal problems
If you find yourself in a car accident without insurance, the suspension of the license, the fines, the attendance and compliance with the dates established before the court and the lawsuits will await you.
If you do not have adequate insurance identification at the time of the accident, you will need to go to court to present proof of insurance. If you do not have proof of insurance, meaning you did not have insurance at the time of the accident, then you will have to appear before the judge and the judge will probably fine you and sentence you to some kind of legal punishment.
Penalties for driving without insurance
Fines for driving without insurance vary by state, as they can range from small to large.
When you are involved in such an accident, you must be represented by an experienced floater. You should invest in a reputable attorney, as you should not speak to authorities or insurance claim specialists before consulting with an attorney.
What to do if you are hit by an uninsured car
If you are hit by an uninsured car, the outlook is a little better, as the at-fault driver is often responsible for the car damage.
If you live in a state with “no pay, no act” laws, uninsured drivers cannot sue for damages that cannot be quantified in a dollar amount, such as physical pain, emotional distress and mental suffering. .
In these states with this type of law they may have to pay a massive deductible for repairs before they can sue for property damage costs of $ 25,000 for example in Louisiana.
The states with this type of law are California, Indiana. Iowa, Kansas, Missouri, North Dakota, New Jersey, Oklahoma, and Oregon.