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Car Insurance: What to Look For in a Car Insurance Policy

Car insurance companies provide a host of features for its insurance policies with varying importance and priorities. Car insurance is a is a contract between you and your insurance company, wherein you agree to pay the premium and the insurance company agrees to pay your losses as defined by its policy. Auto insurance companies may include property, liability and medical coverage on their policies. The coverage of property insurance are damage or theft of your car. Liability coverage pays for your legal responsibility to others for property damage or bodily injury. Medical insurance coverage pays for the cost of injury treatment, rehabilitation and some would cover lost wages and funeral expenses. There are different requirements for availing an auto insurance policy, but generally it comprises six different kinds of coverage and you are not required to buy all coverages.

The ‘must have’ features for any insurance coverage include replacement and repair of a windscreen cover; loss or damage of personal belongings following an accident, fire or theft; replacement of keys and associated locks; car rescue coverage; courtesy car and guaranteed repairs. Apart from the things already mentioned, a good car insurance policy must have up to the market value, coverage for the cost of moving the vehicle from the scene of accident to the nearest repairers and a twelve month repair guarantee service. Your car insurance company should have new car replacement, loss, stolen or damage car stereo and satellite navigation, accident transport, hotel expenses, twenty-four hour help line, total loss courtesy car, legal expenses and breakdown cover. Apart from the ‘should have’ list already mentioned , a good insurance policy provides sixty percent of list price and within twelve months from new, up to market value for manufacturers’ equipment, accident passenger coverage of up to seven passengers and emergency help line.

‘Could have’ features cover your car when you’re driving abroad, replacement of loss, stolen or damaged car seat, and enhanced courtesy car. In any insurance policy, you need to also watch out for accidental damage excess and windscreen replacement excess for your car insurance policy, which refer to the amount of money you must pay in the event of any accidental damage claim or windscreen replacement. Most car insurance policies ranges six months to a year, and most often you will be notified via mail when it is time to pay your premium or renew your policy. You may want to review the different car insurance comparison lists online for you to know the best auto policy for you. We can help you find the best car insurance company that best suits your needs and budget.