Insurance on a car is mandatory, unavoidable and a wise step for all car owners. Car insurance keeps you safe and indemnified against any loss or claim to the extent of the risks covered according to the policy you have taken out and the amount for which you have obtained the policy by paying a suitable yearly premium. So what is the best car insurance? Is it the lowest premium payment or the value you get?
There are car insurance companies and each one claims to offer the best deal. However, when you sift through the fine print you will find exclusions, disclaimers and escape clauses. When it is time to file a claim you might find some insurance companies making excuses or delaying settlement of claims.
Car Insurance covers:
• Policy covers medical expenses and injury to driver and passengers and even funeral expenses.
• Property insurance covers claims for damage to your car or the other person's car and to property due to accident.
• Collision insurance covers liability for damage to either person's car, even if it is your fault and the repairs are footed by the insurance company.
• Bodily injury insurance covers costs of injuries sustained by third parties in an accident as also injuries caused while driving someone else's car.
• Underinsured or uninsured driver coverage is for eventuality where a driver who has been in an accident with you is uninsured or does not have adequate cover.
• A comprehensive policy covers theft, damage to car by fire, falling objects, earthquake, explosion and other liabilities where an accident is not directly involved.
The best car insurance is not judged on the rate of premium alone. It is value for money that determines the best insurance. It will include discount at the time of renewal for safe driving and no claims. It offers maximum coverage for the premium you pay and a good insurance company will expedite all claims settlement with a fair investigation, without any unnecessary obstructions.
As a car driver and owner, it is for you to get full coverage against possibilities of claims on any grounds. No single insurance policy will guarantee all this. It is better to select a mix of policies that will cover all possible eventualities that may arise and having done this, negotiate with a suitable car insurance company for the best car insurance in terms of discount, rate and coverage.The best car insurance rates are only one component of what you need. Value also implies that the company you're going with will give you discounts for driving safely and securing your vehicle, and will be quick to address any concerns you might have.
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