Optional Areas of Cover you can save on (Part 1)

Avatar — Tue, 25 Aug 2009 14:36:01 +0000

Optional Bodily injury, this is additional cover for the first mandatory area of cover that extends your coverage to the whole of the United States. Medical Payments is another option you can purchase that reimburses all medical expenses for all who were in the vehicle whoever may be at fault during an accident. Collision cover pays for damage to your vehicle less any deductible specified in the policy. You can get additional premium called a Waiver of Deductible where you don’t have to pay for the deductible if the driver who crashed into your car is identifiable (he pays for the deductible). Limited Collision coverage is a collision plan that pays for the damage to your car if your are no more than half responsible for the accident (both drivers are at fault) and the owner of the other vehicle is identifiable.

Optional Areas of Cover you can save on (Part 2)

Avatar — Tue, 29 Apr 2008 14:39:02 +0000

Comprehensive Insurance cover pays for damage or loss of your vehicle resulting from fire, theft, vandalism, animal strikes but not in a collision. To lower your premium, select a higher deductible so you shell out more before the insurance has to pay. You should report your stolen vehicle within the first 48 hours so you will be reimbursed for any transportation costs you have incurred. Substitute Transport cover reimburses you all transportation costs while your vehicle is being repaired for collisions and other accidents. Towing and labor cover pays for the cost of towing and the amount of labor that you would be billed in the process. Bodily Injury due to underinsured Auto, reimburses you for all costs above the limits of coverage by the other drivers insurance (mostly if they are underinsured). Many other options are available that change from state to state. As with the mandatory cover required of you, these cover areas may vary from state to state so check and clarify your coverage if you plan on going frequently out of state.

Basic Automobile Insurance » Optional Cover

Optional Areas of Cover you can save on (Part 1)

Optional Areas of Cover you can save on (Part 2)