HowToDoThings.com Auto Insurance

How To Get Full Coverage Auto Insurance

Brad276 — Sat, 01 Jul 2006 20:09:00 -0500

The first thing that needs to be mentioned is that there is no such thing as full coverage auto insurance. Every insurance policy has limitations and exclusions for items such as wear and tear, maintenance and negligent actions by the insured. The term full coverage insurance is usually referring to a policy with the following coverages:

First party coverages.

Comprehensive-- This coverage is for damage caused to the insured vehicle by a loss due to something other than collision. Typically, this will be fire, theft, vandalism and weather damage.
Collision-- Collision coverage is for damage to the insured vehicle by a loss due to collision with another object.
Towing and Roadside Assistance-- This is usually a 24 hour coverage in the event of a mechanical or other problem with your vehicle.

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How To Get Auto Gap Coverage

Joshua281 — Thu, 22 Jun 2006 17:10:00 -0500

Gap insurance. Ever heard of it? I hadn't until I needed it. After being involved in a car accident that totaled my two-year-old car, I discovered that I was missing the most important type of insurance I could have purchased--Gap insurance.

Gap insurance covers the difference between what the insurance company says your car is worth versus what's left on your loan. When you're buying a new car or even a newer used car, this type of insurance is essential. Otherwise, you may find that you have several thousand dollars to pay off from your other car loan.

When you drive your new car off the lot, it will likely depreciate between 20% and 30%. If your $20,000 car depreciates just 20%, you may be out $4,000 if you have an accident as you pull out of the lot. Without Gap insurance, you'll have no protection nor any way to get back the money you will lose when the insurance company pays you.

How To Report an Auto Insurance Claim

Brad276 — Wed, 07 Jun 2006 19:47:00 -0500

There are two common types of car insurance claims that can be reported for damage to the vehicle that you own.

Collision Claim - A collision claim is a claim for damage to the vehicle that you insure caused by a collision. The collision may have been with any object and is not limited to multiple car accidents. Collision claims include solo car accidents in which the driver may have hit a building, light post or any other object.
Comprehensive Claim - A comprehensive claim is for any damage to your vehicle not caused by a collision. Frequently, comprehensive claims are made for theft or vandalism damage. Other Comprehensive Claims include fire damage and flood. Damage caused by impact with an animal is usually also considered a Comprehensive claim.