Do We Really Need Car Liability Insurance
Do We Really Need Car Liability Insurance, Car accidents can happen when you least expect it? All it takes for you to have a car accident is to look down for 1 to 2 seconds. That is it? Yes, a quick distraction is what happens in an accident:
Change the music on your iPod / iPhone / CD player
Eat-in the car
Grabs something from the glove compartment
Calling a number / Charging / Answering a mobile phone
Switch on the heater/air conditioner in the car
To write something down while driving
Those quick actions are all the time it takes to get out of a car accident. If you do not have car liability insurance, you may be out for a rude awakening.
Do We Really Need Car Liability Insurance, Car liability insurance is protection against the liability you have when you are at fault in a car accident?
You must have adequate car liability insurance
You are responsible for another person’s loss or damage. This risk is very real and if you do not have adequate car liability insurance it can put your whole family at serious financial risk. Do We Really Need Car Liability Insurance
Make sure you are fully covered in terms of your car liability insurance
DO NOT, I repeat, DO NOT purchase the minimum state car insurance requirements for car liability coverage. It is not enough to protect you from financial danger if you come across a serious car accident and it is your fault. You will be responsible for the amounts that exceed your car insurance coverage limits. Do We Really Need Car Liability Insurance
Car liability insurance has two types:
Liability for personal injury (BI):
If you are at fault in a car accident, this type of car liability insurance will take effect and cover the other party’s bodily injuries/deaths.
Liability insurance for bodily injury also covers the necessary means of legal defense if the other party involved in the car accident decides to sue you.
Liability for personal injury (BI) DOES NOT COVER YOUR VEHICLE. It only covers OTHER PARTIES PERSONS involved in the accident. Do We Really Need Car Liability Insurance
Property Damage Liability (PD):
Property damage Car liability insurance covers any damage you (your car) may have caused to property (other cars/buildings) if you are at fault in a car accident.
Examples of this are the other party’s car (s), fire hydrants, poles, fences, homes, etc.
Property damage liability insurance also provides coverage for legal and legal fees if the other party decides to sue you for damage to their property. Do We Really Need Car Liability Insurance
Keep in mind that life insurance for personal injury car liability insurance, if you do not have enough coverage for property damage car liability insurance, the extra funds that are not covered can come out of your pocket, which can put you and your family at serious financial risk.
Keep in mind that if you are in a multi-vehicle accident and you are at fault, you may be liable and sued for amounts that may exceed a low car liability insurance amount, so be sure to purchase adequate insurance!
Do not skimp on saving money to get cheap liability insurance amounts. Do We Really Need Car Liability Insurance
How to save money on car insurance online:
Decide on a sufficient amount for the above two types of car liability insurance.
Then use a car insurance comparison site to compare car insurance quotes.
To save more money, you may want to set your car insurance deductible a little higher and check if the difference in savings is sufficient.
Do We Really Need Car Liability Insurance, If you do not buy your car insurance online, you are not taking advantage of the huge savings
Car insurance comparison sites have a vested interest in providing the best car liability insurance to you and your family and are not focused on a particular car insurance company. If you are dealing with a car insurance agent, their only interest is to sell you car insurance from their own company.
Do We Really Need Car Liability Insurance, We strive to provide cheap insurance quotes online? To save money on your insurance, it is imperative that consumers compare insurance prices for the insurance they plan to buy.