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Being a car owner involves numerous expenses. These include fuel bills, technical inspection bills, repairs, changing oils and liquids and last but not least, car insurance. Since car insurance is a big investment, you must carefully choose the insurance company.
Drivers must buy the best coverage for their cars and needs.
Before signing any contract, make sure to ask the next questions:
How many miles are driven annually? The annual mileage is extremely important for determining the risk profile and the adequate costs. Drivers with low mileage should check for low-mileage discounts and low-mileage policies.
What kind of coverage is needed? After purchasing the state-required minimum coverage, the policyholder can opt to increase safety level. Depending on his needs and budget, he can opt for Personal Injury Protection (PIP), Collision Insurance, Comprehensive Insurance, Uninsured/Underinsured Motorist Insurance.
What is my risk profile and which discounts are available? Ask if you are classified as Premiums, Standard or High-Risk. Also, ask for all available discounts.
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By watching this video you can learn about various ways to save money on your car insurance.
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Claim-Your request to an insurance company to cover an accident or other loss.
Collision coverage-Pays for damage to your car caused by physical contact with another vehicle or an object, such as a tree, rock, guardrail, building, or person.
Commission-The fee that an insurance company pays an agent or broker when they sell a policy.
Comparative negligence-The percent of responsibility that each driver shares in an accident when both drivers are at fault.
Comprehensive coverage-Pays for damage to your car caused by something other than a collision, such as fire, theft, vandalism, windstorm, flood, falling objects, etc.
Declarations page-Usually the first page of an insurance policy. It lists the full legal name of your insurance company, the amount and types of coverage, the deductibles, and the vehicle(s) insured.
Deductible-The amount of the loss that you must pay before your insurance company pays anything. Only comprehensive and collision coverage have deductibles.
Endorsement/rider-A written statement that changes the coverage or details of an insurance policy.
Exclusion-These are the specific things that your insurance policy does not cover or limits coverage for. For example, your policy may not cover certain kinds of dangers, people, property, or locations.
Gap coverage-This pays the difference between the fair market value of your new car and the balance you owe on your loan or lease.
Insured-The person who can receive covered benefits in case of an accident or loss. Also called the policyholder.
Insurer-The company that issues your insurance.
Liability coverage-Insurance that helps pay for the injuries and damage to others from accidents that are your fault.
Limit-The most money that your insurance company will pay for your loss.
Medical payments coverage-Covers limited medical costs for you or others in your car, when you are in an accident.
Non-renewal-This is when you or your insurance company does not renew your policy at the end of its term.
Policy-This is your contract with the insurance company. It explains your coverage. It also states the rights and duties of both you and the insurance company.
Premium-The amount you pay to buy an insurance policy.
Private passenger automobile-Four-wheeled motor vehicles for use on public highways, like cars, station wagons, SUVs, and vans. They must be registered with the state.
Quotation (quote)-An estimate of your insurance premiums based on the information you give to the agent, broker, or insurance company.
Recision-The cancellation of a policy back to its start date. If this happens, the insurance company does not pay for any of your losses, and your premiums are refunded. This can happen if you knowingly gave false information when you applied for the policy.
Subrogation-When one insurance company pays money on a claim, and then tries to get paid back or reimbursed by another insurance company.
Surcharge-An extra charge that is added to the premium by an insurance company. This usually happens because a covered driver has had an accident or moving violation that is their fault.
Uninsured/Underinsured Motorist Coverage (UMC)-Provides coverage for a policyholder involved in a collision with a driver who does not have liability insurance or whose liability limits are too low to pay for all the damage.
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