Common Types of Auto Insurance

If you are looking for articles that discuss the types of insurance of auto, then you have come to the right page. Understanding them in depth will help a motorist decide on which kind to choose. Although in some countries this is not mandatory, in some other states, they are so. Besides, there is a big difference between a car which is properly insured than one that is open for any possibilities. If you are one of those who just recently brought home a car, then the best advice you can get is to look for the types of insurance of autos, familiarize them and then make your own decision as to whether to get a policy or not.

But before setting forth the five common types of insurance of autos, it would be better to first lay down the particular reasons why getting a policy is better than not having one. Mainly, that is why there are certain states which require their motorists to get their policies because of the fact that not all of them are actually insured. This is why in times of traffic accidents, most of the time, those who are not at fault still has to bear the burned of financial costs. Later on the types of auto insurance, one will know what is the basic policy which is made affordable to every driver.

Another good reason why getting an insurance of auto is a good start is that when you are already insured, you will have more confidence in driving down the road. There will be no doubts in your head or fear for the burdens that you may have in the near future. For one things is sure, no matter how careful you are in driving, and no matter how clean your diving chit is, there are really circumstances which will lead your car and even yourself to be damaged and injured. Thus getting to know the different types of insurance will already be a preparation for a future transaction.

The basic type of auto insurance is called liability auto insurance. In this kind of policy, once you collide with another and it is proven that it is your fault, then you get to pay the costs done due to the injury of the other motorist. This includes the damages done on the third party too. Most of the time, this is what is required among government employees. These bodily injuries necessarily include medical bills. The second type of auto insurance is the comprehensive auto insurance. As the term implies, it includes a wide range of benefits. Incidents like storms, windshield replacement, hitting an animal, falling trees, vandalism and theft are only few of the situations in which this policy covers. Collision auto insurance on the other hand refers to the impact done by a third party in your car or vehicle. The amount that will be given to you is the deductible you have declared plus the actually cash value of your vehicle. The last kind of the types of auto insurance is a coverage for the uninsured. This means that once you have collided with another who has no insurance policy, then you can ask for the policy benefits.

After the types of auto insurance has been discussed, then the next thing to do is to look for the best insurance company.

For more information about Common Types of Auto Insurance [http://eautohomelifeinsurance.com/common-types-of-auto-insurance/], please visit Auto Home Life Insurance [http://eautohomelifeinsurance.com/].

Article Source: http://EzineArticles.com/expert/Gene_L_Frazier/704146

 

Auto Salvage Yards – Better Than Spurious Parts

Buying new auto parts for your vehicle can be expensive. There are a couple of options to help reduce costs. Most people go for the spurious parts option, believing this is the best way forward in an effort to save money. But is it? Can you local auto wrecking yard or auto salvage yard be a better alternative?

Spurious parts are cheaper and offer brand new unused parts at very competitive prices. While they seem to be as good as the original OEM parts, they never are, they are just copies and never are as good or the fit as perfect as the original.

Spurious body parts are notorious for not fitting 100% correctly and so many times you will hear stories about the slight modifications that have had to be made, to make the auto body part fit correctly. Be it new holes to be drilled, a few taps of the hammer or a slight cut with the angle grinder. The stories are out there by the thousands.

While spurious are a great option, there is a better one. Take a visit to your local auto salvage yard. Getting parts here could not be easier. Most of the times they are available of the shelf for the more common auto models, if not you can either search the wrecking yard yourself or an employee will retrieve the part that you require.

There are two huge advantages to getting your parts from your local auto wrecking yard. First and foremost in these recessionary days is the cost, purchasing here will reduce your outlay significantly. Used parts from the auto salvage yard are even cheaper than spurious parts. So there are some good savings to be made.

The second reason to look at is, is that the parts you are getting are OEM parts, which means they will fit first time, every time. As they are original parts they have been designed by the manufacturer to fit and work perfectly. There are many auto wrecking yards around and are easily found in your local area’s.

So the question is why would you choose spurious parts over used OEM parts? OEM over so much more and a big factor for new model cars is that by utilising used OEM parts you safeguard your warranty as all parts are manufacturer approved (well they have to be approved for use, since they put them on their cars).

Find you’re local Auto Salvage Yard [http://www.auto-salvageyards.org] here.

Check out [http://www.auto-salvageyards.org] for comprehensive listings of all Auto Salvage yards in all States.

Save yourself some money on car repairs!

Article Source: http://EzineArticles.com/expert/Trebor_F./1140014

 

What Is an Auto Salvage Yard?

How do they operate? What can they offer the general public? These are just a couple of the main question people have in relation to auto salvage yards. Here in this article we will explore a bit about them.

Auto salvage yards are known by many names such as, scrap yard, junkyard, wrecking yard, wreck yard, auto recycling centre, breakers yard , to name a few of the most common names.

They operate in a fairly simple manner. When a vehicle is wrecked (light damage or beyond repair) or decommissioned from being a usable vehicle. The Junk Yard will purchase said vehicle and break the vehicle into its main component parts that are still operable. These parts are then sold on as used auto parts to the public, garages and body shops. Mostly these parts are used in repairs of other road going vehicles. The idea behind this is that the used auto parts are at a much lower cost than new parts. From the Auto Junk Yards point of view, a vehicles sum of it components are more valuable than the overall wrecked or decommissioned vehicle as a whole.

The most common and requested parts are often removed from the vehicle and stored in the salvage yards warehouse. Other more unusual parts are often left on the vehicles and removed upon request. Once a vehicle has been deemed to not have any further usable parts, the remainder is sold as scrap metal mainly to metal recycling centres. This ensures every possible part is used and all other parts are recycled. While Wrecking yards are often seen as dirty operations the overall effect is very green ensuring the most is made from waster and the remainder is sent for re-cycling.

A lot of people prefer use such an environmentally friendly system, as using used vehicle parts which are already manufactured and work to the original manufacturer’s specifications, will reduces pollution and expense.

Most Auto Wrecking Yards work on a local basis providing their goods into the local community, but some of the larger Wrecking yards will provide shipping across all the states, this is especially useful for rarer vehicle models or classic autos, where parts new or used are very hard to come by.

There are some great advantages to using used auto parts, the main one being they save you money on repairs. Give your local yard a call today.

So find check here for a full directory listing of local Auto Salvage Yards [http://www.auto-salvageyards.org]

Take time to check out [http://www.auto-salvageyards.org] for all the information you need about Auto Salvage and Auto Parts

Article Source: http://EzineArticles.com/expert/Trebor_F./1140014

 

How To Find The Best Priced Commercial Auto Insurance Policies

Where are the best priced commercial auto insurance policies? How can you find them? Is this question on your mind? If it is, let’s find out the answer for it.

It is always best to do a research when buying commercial auto insurance, because policies can be costly and differ greatly in what they offer. The first step is to find out which are the companies that have experience in commercial vehicle coverage. Narrow down your search to insurers or brokers that focuses primarily on commercial auto insurance policies, rather than those that offer the service as a bit of sideline to their main business. If auto cover is their main core business, then it is likely they will be very experienced and competitive in that area of the market.

Why is there a need to get a commercial auto insurance policy? There are many reasons for this. An auto insurance plan can be helpful financially to assist you when there is any accident on the roads. An auto insurance plan can cover the damages that happen and can protect the passengers, drivers, property and the car. Sometimes a small road accident involving your automobile can result in huge damages if there are court cases or law suits. During such times, you will wish that you had bought an auto insurance policy. Thus it can be said that a commercial auto insurance policy is the best thing that can help you in times of danger. It can help you to reimburse the expenses that had incurred in an accident. At least with adequate coverage, you will not feel the pinch that much in your wallet.

When you are getting auto insurance you can also get other features or types of coverage plans. What are they? They include liability, uninsured motorist, collision, medical payments, rental reimbursement, and towing assistance. Liability means your insurer pays for the damages that have happened to others when you are to be blamed for the accident. Liability also covers body injuries that have happened to others. There is also chance of property liability where they pay for any damages to others’ properties due to your accident. Uninsured motorist coverage means they pay for your injuries and others’ injuries when the accident is caused by uninsured drivers. Collision means the coverage involves damages to your vehicles as a result of an accident regardless or whose fault is it in the collision. Medical payments mean coverage for you and your passengers when there is an injury. Any medical costs incurred following an accident are included. Rental reimbursement means coverage for the daily expense of renting an auto while your car is in the mechanic shop following an accident. Towing assistance covers the cost of towing when needed.

So, as you can see there are many options to consider when insuring trucks, vans or cars. It is however really important for the policyholder to be fully aware of what is and is not covered in their particular policy. This is where insurers and policies can and do differ, so it is a case of “buyer beware” when signing a policy. For the policyholder, reading and understanding the implications in the fine print is essential, if they are to avoid difficulties when making a claim.

You can find a lot of information on the various commercial auto insurance plans via the Internet. The World Wide Web has a lot of details on the different car insurance plans. Within minutes of surfing the Internet you can get a lot of car insurance companies’ information and policy rates. Getting the best priced commercial auto insurance policies is easy. You can start getting the insurance quotes from all the insurers via the Internet. After that you can start to gather all the information and check which are the best ones. It is easy getting the best priced commercial auto insurance policies, but just make sure the policies include the same coverage.

Mike recommends you Buy Insurance Online when shopping for the best deals in Comprehensive Auto Insurance.

Article Source: http://EzineArticles.com/expert/Mike_S_Williams/451328

 

How to Make Sure Your Auto Insurance Is Adequate

There’s a lot of confusion when it comes to Florida auto insurance. It is important to be cautious when you are shopping for auto insurance in Florida.

Did you know, since Florida is a No-Fault state, if you are injured in an auto accident you are required to pay the first $10,000 of your own medical bills before you can go after the other party? This is supposed to be paid for by your Personal Injury Protection or PIP, but as you will see not all of your medical bills are covered by this.

The state only requires you to carry Property Damage Liability (PD) and Personal Injury Protection (PIP or No-Fault) to legally register your vehicle. Property Damage Liability pays when you hit someone or something and cause damage to their property. It would pay out a minimum of $10,000 in Florida. PIP pays for your medical expenses if you are injured in an auto accident. Let’s take a closer look at this. PIP only pays 80% of your medical expenses and some companies make you pay a $1,000 deductible before it even starts to pay. So, when you ask for just the minimum coverage, make sure you are willing to take on the enormous amount of risk that would not be covered.

Bodily Injury Liability, while not required by law, is very important to carry. This pays in the event you are at fault for injuring someone with your auto. If you injure someone in an auto accident in Florida, you are held liable for paying their medical bills. If you cannot pay them right away your license could be suspended until you can pay back restitution. The Florida Responsibility Law actually requires you to have Bodily Injury Liability of $10,000/$20,000 in place at the time of the accident. Under the Florida Responsibility Law, if you do not have bodily injury at the time of the accident, you would also have to carry a state filing for 3 years. That means higher insurance rates for the next three years at least.

It has been estimated that 1 out of 3 driver’s do not carry Bodily Injury Liability insurance in Florida. If you are injured by one of these individuals you are pretty much on your own. That is why Uninsured Motorist coverage and Medical Payments are also an important coverage to carry on your auto insurance policy. If you are injured in an accident Medical Payments pays with no deductibles or co-payments. The Uninsured Motorist coverage gives you additional medical coverage and pays you for lost wages if you have missed work due to the accident.

You will also need comprehensive and collision coverage to pay for damages to your auto. Comprehensive would cover damage outside of an accident, such as theft, vandalism, and windstorm. Collision would cover your auto for damage caused by an accident.

If your auto is damaged in an accident, towing and car rental coverage are quite helpful. The towing coverage would pay to tow your auto to the nearest place of repair. If your auto is damaged, either by a collision or comprehensive claim, car rental coverage would pay for a replacement auto while it’s being repaired.

For more information on Florida auto insurance you can visit our site.

Florida Responsibility Law

Article Source: http://EzineArticles.com/expert/Mark_Capes/222674