Automobiles

Basically car insurance is there to protect you,the driver,as well as other highway users,including pedestrians who may become involved in an accident involving your vehicle.Some states,due to high accident rates,or higher crime rates have instituted laws which prohibit you from operating a motor vehicle without proper insurance , Even if your vehicle is not driven regularly unless it is a motorcycle,these state demand that your registered motor vehicle be insured.Car insurance is one aspect of an auto accident that consumer's generally don't understand.
The auto car is one of the most fascinating devices that a person can own. Automobiles are also one of the most pervasive devices, with a typical American family owning two automobiles.An automobile contains dozens of different technologies,everything from the engine to the tires is its own special universe of design and engineering.So before purchasing auto insurance you must consider a variety of factors including what kind of car you have ,your driving record and the amount of money you are willing to pay .Understanding the simple basics of auto insurance will make you confident that the car insurance policy you choose will take care of your needs to in the events of accident.

Basic policy and terms:
Your car insurance has a deductible .This the amount you must pay out of your own pocket for covered expenses before you will receive any insurance company .Rising your deductible can lower the lost of your premium .Your insurance provider builds deductible into the policy to keep you from making a very small claim that a tremendous amount to process and pay .
Insurance policies also have limits or policy caps. For instance ,your insurance policy may cover up to $ 20,000 in damage,to your vehicle and $ 50,000 in medical coverage.Each state has minimum required coverage amounts,but these minimum amounts are typically very low when compared to the amount s that you might need after an accident. Keep in mind that the lower the policy caps are then lower the cost of insurance will be send .You want to choose a policy that balances well between a generous policy cap and an affordable premium.

How insurance pays after an Accident:
If you are in an accident that causes damage to your vehicle,that should be covered by your insurance policy,you will submit the information about the accident and the damage to insurance company.They will send a claims adjuster to survey the damage and provide you with instructions on how to get an estimate on the cost of repairs,Once you have the estimate insurance company will send you a check to use to pay for the repairs on your vehicle.
If the accident causes an injury that required medical attention,your medical bills will be send to the insurance company .Many insurance provider will pay in one lump sum when your treatment is complete.