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Best Auto Insurance
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Auto insurance
Main article: Vehicle insurance
A wrecked vehicle
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company. You agree to pay the
premium and the insurance company agrees to pay your losses as defined in
your policy. Auto insurance provides property, liability and medical
coverage:
1. Property coverage pays for damage to or theft of your car.
2. Liability coverage pays for your legal responsibility to others for
bodily injury or property damage.
3. Medical coverage pays for the cost of treating injuries, rehabilitation
and sometimes lost wages and funeral expenses.
An auto insurance policy comprises six kinds of coverage. Most countries
require you to buy some, but not all, of these coverages. If you're
financing a car, your lender may also have requirements. Most auto policies
are for six months to a year.
In the United States, your insurance company should notify you by mail when
it’s time to renew the policy and to pay your premium. [13]
[edit] Home insurance
Main article: Home insurance
Home insurance provides compensation for damage or destruction of a home
from disasters. In some geographical areas, the standard insurances excludes
certain types of disasters, such as flood and earthquakes, that require
additional coverage. Maintenance-related problems are the homeowners'
responsibility. The policy may include inventory, or this can be bought as a
separate policy, especially for people who rent housing. In some countries,
insurers offer a package which may include liability and legal
responsibility for injuries and property damage caused by members of the
household, including pets. |
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