In an accident without insurance? You do not happen to you

In an accident without insurance? You do not happen to you

We know that many of the cars that drive through our cities have no auto insurance. But this scenario is gradually changing as many drivers are deciding ensure the purchase of your vehicle by what might happen. And, although some may see it as an extra expense, when the truth cheap is expensive.

If you are thinking insure your car you should know that there are different types of coverage with prices ranging depending on the value of your vehicle, among other factors. To choose the right insurance for your needs first thing you can do is talk to your friends and family. They can advise and guide you in the first instance on the type of coverage you may need.

Due to the wide range, ideally you reports on the different types of insurance coverage there and offered pondering what level of protection you need depending on the use you give your vehicle.

COVER YOUR THE BACKS

In general, these are the three most common types of auto insurance:

• Sure liability: It is mandatory to circulate in many countries insurance. It covers material and personal damage caused to a third party driver. That is, if you cause damage to your car with other people or vehicles, compulsory insurance will cover that. However, damage to your own vehicle are not covered.

• Sure liability + total loss: covers the above plus the replacement cost of your vehicle in case of total loss (theft or fire).

• Comprehensive insurance: It is the most comprehensive but also the most expensive (obviously). It includes the two above plus other toppings such as repair costs or partial replacement of your vehicle. They can also include additional services such as replacement vehicle when they are repairing your car and stuff.

Of course, some companies offer insurance that do not fall into any of these three, but offer intermediate options tailored to the needs of each person. In any case, driving without any insurance is foolhardy and, if I may, irresponsible.

Therefore we recommend that even if it means an extra expense you consider, because as we said at the beginning, end cheap is expensive. If you have an accident, you would appreciate having taken the decision to hire your vehicle insurance.