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Car insurance covers you financially for property damage and personal liability such as accident damage to your car, personal injury, or damage to a third party.
These are some of the main types of car insurance:
When applying for car insurance, you will need to provide the insurance company with specific personal information, which is used to determine the level of risk involved, and to calculate your premiums. The higher the risk, the higher the premium.
Several factors are taken into consideration when a premium is determined:
For example, older and more experienced drivers, living in a safer neighbourhood, with a good driving record, present less of a risk, and therefore their premiums will be lower. Also, high-performance luxury cars will drive up premiums because their repairs and replacement parts will be more costly.
If you’re involved in a car accident – irrespective of who is at fault – you must report the accident to the police. Record information such as a description of the accident and the details of the parties involved. Take photos of the accident scene and the damages. These details will be necessary when submitting a claim to your insurance company.
Car insurance can be as basic as liability insurance, or it can be more encompassing like comprehensive Insurance. Though it’s important to be properly covered, the best way to avoid any financial burdens from accident repairs, losses, and injury, is to be alert, drive safely and defensively, and don’t drink and drive.
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