Standard Auto Insurance Author:    Posted under: Auto InsuranceAuto Insurance Types


Statistic says that at least four people involved in car accidents die every hour. Accidents like these are caused by numerous reasons, some of which are things we do not have control over. Sadly, most of these reasons are caused by human error, neglect and even recklessness.  It is because of this that we, as responsible drivers must always be prepared for any unlikely situations that we might find ourselves into.

Getting insured is one of the best things you can do to make sure all is not lost when finding yourself in the middle of predicament such as these.

An auto insurance policy basically covers the driver of the vehicle in the case of any injuries acquired during an accident. This would also cover the vehicle in case of damages by accidents, a fire and any other third parties caught up in a motor accident by insured cars.

There are a range of auto insurance policies provided by different insurance companies. Apart from the basic cover mentioned above, these policies offer different coverage.  In order to boost their car insurance sales, many insurance companies Offer these varying insurance packages as their added incentives.

The most important type of coverage you can carry as an responsible driver is a standard auto insurance policy.

Standard auto insurance policies are policies that generally cover every aspect of auto insurance available to you. Standard insurance cover liability, which in the unfortunate event of an accident where you are at fault, your liability insurance coverage will pay for bodily injuries and property damage caused to the other vehicle, passengers of the other vehicle and passengers of your car.

There are numerous differences between a standard and a basic automobile insurance policy. Basically, the main difference is the price and the benefits acquired. A standard policy is usually more expensive than the basic policy which is appropriate for persons with few assets and family liabilities. This type of policy is made for drivers with very little or no records of driving accidents and/or violations.

Although, some people could think they could save some money by thrifting on their coverage, but, in the long run, it’s worth spending a little more for the added protection it gives.–Especially, if you are ever found at fault of a serious accident.

Collision insurance is another type, and probably the most expensive of policies, but this actually covers your auto if you are found at fault in an accident.

Comprehensive coverage is very similar to collision coverage. Although it differs from each company, the main difference of having a coverage like this is that it usually also covers damages that were not caused just by an accident. Even also unforeseen damages to your car caused by natural disasters or an “act of god” such as floods, tornadoes, hurricanes, and even animals. Accidentally hitting an animal with your car can cause a lot of damage. Theft, vandalism, and fire would also be covered by your comprehensive coverage. Go and try to learn how to get the most out of your auto insurance. Then you can get the ideal coverage for the best price out there.

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