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Cars and Motorbikes

Before you start shopping for Car Insurance, you are recommended to study your state's Auto Insurance requirements in order to learn how much coverage you need by law and then determine your own Car Insurance coverage needs that go beyond the legal minimum.

Types of Car and Motorbike Insurance

The major Auto &motorbikes Insurance types include:

3rd Part Liability(Bodily Injury Liability Insurance and Property Damage Liability Insurance):

Liability Car Insurance protects your bank account in case you are liable for damaging the other person or his/her car. It covers any injuries or damages to property that you might cause during an accident.

In case you get in an accident and you are at fault for other people's bodily injuries or death, Bodily Injury Liability will cover medical bills, pain or suffering, loss life of another party in an accident and a legal defense if they file a lawsuit against you.

Property Damage Liability will provide you with legal defense and cover you if you get in an accident and your car happens to damage someone else's property: another party's car, a house, a fence, or any other property. It is important to have enough coverage for the amount of damage your car might do to another party's property.

Own damages: This coverage protects you regardless of who is at fault for an accident. It will pay for any repairs your car requires as well as for the replacement of its market value if after an accident your vehicle is beyond repair. The principle difference between Collision and Liability Insurance coverage is that Collision covers damage caused to your own car while Liability pays for damage you cause to the other party. Basically, the safer a driver you are, the less you need this type of insurance.

Comprehensive (Fully Comprehensive Insurance Coverage):

This is the most expensive optional coverage. However, finance companies and lessors require that the car owner insure their car fully comprehensive. This coverage pays for repair works or the replacement of your car if it is stolen or damaged. Comprehensive coverage protects against disasters, such as theft, falling trees, and most acts of nature, fire, vandalism, animal accidents, etc.

Many Car Insurance companies choose to insure only 80% of the value, refusing to cover 100%. It is done to prevent fraudulent losses of cars when some car owners just feel like recovering their fininacial position. Therefore, it is necessary to thoroughly scrutinize what is covered and what is not covered in your policy.