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In a country like ours, it's a relief to know that only three out of ten drivers still do not have insurance. A few years ago the figure was much higher. Before there were many more who did not have insurance.
The problem of not having insurance is that many doors are closed and many expenses are made, of course if the insurance valuer does not issue an adverse verdict in your case, which is another way we will touch on a later article.
A fact that we discovered, surprising for those who still think that women at the wheel constant danger, we know there are still people like that, is that of every fatal accidents correspond to men and only to women.
Well it's time to move on to give you some tips before leaving and hire auto insurance.
But first, why hire it? It is simple, an insurance backs you against different risks, but above all it protects you for damages caused to third parties in your assets, as well as injuries or even death. Now, let's go to the heart of the matter.
The most important thing is that whoever sells the insurance is a Certified Agent, who is a professional, trained and authorized by the Trumbull auto insurance company. That would be our first tip.
The second tip is to know the total sum insured. This corresponds to the commercial value of the car, so in case of a mishap it serves as a basis to calculate the deductible and the maximum liability of your insurer.
Consider that you should not hire for hiring, the last three tips will make you see that, first, you must know how to choose your insurance coverage.
Within auto insurance there are policies that handle basic coverage and others that are broad coverage. If you are going to hire or renew your insurance, choose not because of the price but because of the protection benefits offered.
The wide coverage covers the damages of the car, theft of the vehicle, damages to third parties, accidents to the driver in his property or person.
The limited, will only be valid if there was theft of the vehicle, damage to third parties, accidents to the driver on their property or people. And civil liability covers damages to third parties.
As in all contracts, do not forget to read the small letters look carefully at the conditions that the car insurance does not cover. For example, damages when the driver lacks a license, is in a state of drunkenness or under the use of drugs. This point leads us to tell you: in the event of a crash, the medical expenses of the driver, that is you, are optional in any of the three coverage’s mentioned above.
Finally, check that all the data that appear on the cover of the policy are correct. If you have two names, for example, and the second comes before the first, there is already an error, because by law a person. Also do not forget to check the data of the car, the sums insured and contracted, as well as the amount of the premium to pay, in case of accident.
