Must Have Coverage On Your Vehicle Insurance

Posted on June 27, 2010 @ 9:05 am

Is Car Liability Insurance Necessary

Everyday that you drive you have a small chance of getting into an accident. That distraction for a few seconds is all it will take to get lose focus and risk a car crash. That’s it? Yes, a quick distraction is what happens in every accident:

  •     Changing the music on your iPod / iPhone / CD Player
  •     Enjoying a small meal while at the wheel (You’ve done that before right?)
  •     Grabbing something from the glove compartment
  •     Attaching your headset to talk on your cell phone
  •     Adjusting the air conditioning or the heater in the car
  •     Because you don’t want to forget you write it down while you drive

You are just asking for a car accident for doing any of these simple things. When an accident does occur and you did not add car liability insurance to your policy you could be in a worse disaster than you would expect.

If it is your fault in the car crash then car liability insurance coverage kicks in and will protect your liability or responsibility up to a certain amount specified.

It’s a no-brainer to have car liability insurance as part of your automotive insurance

If another person or other people are hurt in the accident and if you are at fault then you are liable. Not having any or a very low amount of liability coverage can get you and your family into real financial trouble.

It is absolutely important to not only have the liability coverage but to have enough coverage so that it does not break your bank account at all

The state in which you reside in will list their minimums on how much liability coverage you should have. Never follow the guidelines they have specified. Those amounts are way too low. If it you were in the wrong in an automobile collision and only purchased the state minimum requirements for liability insurance coverage you would be left with a financial disaster for you and your family. All the damage, medical bills, litigation costs… would be responsible for them.

Automobile Liability Insurance Coverage has two types:

Bodily Injury Liability (BI):

If you are at fault in an auto accident then this type of car liability insurance will kick in and cover the other party’s bodily injuries / death.

Bodily Injury Car Liability Insurance also covers the funds needed for legal defense if the other party involved in the car accident decides to sue you.

Bodily Injury Liability (BI) DOES NOT cover your vehicle. The passengers of the other car that were in the accident are covered by this type of liability coverage.

Property Damage Liability (PD):

Now if the accident is your fault then Property Damage Liability Auto Insurance portion will cover the damage BY your car to another car, building, fence, property, etc.Almost any type of property outside of your car is covered

With possible destruction of their property other parties may want to file suit against the driver at fault so this type of liability coverage will protect against that.

The liability insurance is a buffer and if you do not have a strong enough buffer then anything that the liability insurance cannot cover will come out of your own pocket making you wish you had purchased enough insurance in the first place.

Remember that if you are in a multi car accident and you are at fault you can be liable and sued for amounts that may exceed a low car liability insurance coverage amount so make sure you purchase sufficient insurance!

Now you can see how vital automotive liability coverage is to you and your family’s financial well-being.

Save Money By Buying Instant Auto Insurance Online

In order to find the right auto insurance you should go online:

You will need to determine how much vehicle liability insurance you will need on your car.

Compare Insurance Quotes Auto

With those figures you can now go auto insurance shopping and decide between several auto insurers to find the best deal.

Also, to save more money you may want to set your auto insurance deductible a little higher and check to see if the difference in savings is sufficient.

When you comparison shop for Instant Auto Insurance quotes you genuinely can save quite a bit more than going to a brick and mortar insurance office. You can get automotive insurance quotes all in one place from the online car insurance comparison sites. You can see details of quotes from top car insurance companies in your state, compare them and select the best one for you. If you are dealing with an auto insurance agent then their only interest is to sell you a car insurance policy of their own company.

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