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Discuss Car Insurance Coverage in the Finance and Insurance forum at Car Dealer Forums; A car insurance policy cannot prevent automobile accidents from happening, but it sure can help ...
  1. #1
    Senior Member RatiRut's Avatar
    Join Date
    Jul 2010

    Default Car Insurance Coverage

    A car insurance policy cannot prevent automobile accidents from happening, but it sure can help offset some of the financial loss or burden that might result from an accident. Another question to ask is: How much can I afford? Although the more protection the better, budget should also be a factor to consider. Be sure to be knowledgeable before purchasing in order to make an informed decision...

    Whether you are a new driver or you have been driving for years, there are some insurance coverage recommendations that you should consider when you sign up or renew your policy...

    now the main concern is "What type of coverage do I need?".. it all depends..but most important to know are:

    Liability Coverage
    Liability policies are required by most state's laws for all registered autos; however, the minimum required liability limits depend on your State's laws. For example, California requires that your liability policy includes a minimum of $15,000 of bodily injury coverage per person, $30,000 bodily injury coverage as a total per accident, and $5,000 of property damage coverage.

    Keep in mind that the minimum requirements may satisfy state laws, but may not be suitable for your needs. You must be aware that any injury or property damage as a result of an accident in excess of your liability limits may not be covered and may leave you responsible. Raising liability limits can help you protect your assets against lawsuits.

    Medical Payments Coverage
    Medical payments portion of a car insurance policy is designed to pay some of the medical costs that may result from an accident such as medical bills and/or funeral expenses up to the policy limit.

    Comprehensive and Collision Coverage
    If you want coverage to your vehicles in case of theft, fire, vandalism, collision with animals, windstorms, flying objects, hail, broken windows, and at fault auto accidents, then you want Comprehensive and Collision Coverage.

    If you are financing your vehicle, your finance company may require Comprehensive and Collision Coverage.

    › See More: Car Insurance Coverage

  2. #2
    Join Date
    Sep 2010


    If you are shopping for new car insurance, then you might want to consider stopping by at progressive to purchase their car insurance. After being in business for over 70 years, this company has earned the trust and won the hearts of most citizens becoming the third largest insurance company in the nation.
    If you are still wondering what the hype about progressive car insurance is, you might want to take a look at what they really have to offer you. Not only will you get favourable quotes from this company, they also give your quotes from three other insurance companies for comparison. I know most companies do not do this but because Progressive insurance company is so sure of the rates they are offering you, they are not scared of giving you the chance of choosing.
    Below are some other benefits you will enjoy from progressive car insurance:
    • Concierge on Total Loss: If you suddenly find out that your car was totaled and you are short of time to shop for new cars, you do not have to worry. All you need to do is call up Progressive car insurance to tell them what you want and how much you have to spend, they will be there to do the legwork for you. Progressive will call up dealers to find out the most competitive prices for you. What other company does that for you?
    • Forgiveness in the event of accidents: If you get involved in an accident after 4 years of being accident free, Progressive will grant you total forgiveness without increasing your rates in any way. There are no hidden charges as well. This is a way of saying thank you to for you being a valuable customer. Ordinarily, you should have gotten increased rates.
    • IRVs: Immediate Response Vehicles are dispatched to the scene of accidents immediately Progressive is called up. They show up to take pictures, evaluate and make findings on the scene. This is done instantly so that you do not have to waste time. Also, this enables the company to either put your property back in its shape or replace it completely.
    • Discounts: There are several discounts that apply to different customers. If you have a house, boat or a motorbike, you can call to find out what discount applies to you. Discounts are treated depending on the state from which you are dealing with progressive.
    Progressive car insurance is one of the best companies that you can deal with. The name is there, as well as the reputation. Upon all this, they do not charge you indiscriminately. What more could you ask for. I am sure this is what you are looking for.

  3. #3
    Junior Member
    Join Date
    Feb 2012


    car insurance cannot prevent cars from accident , yes its true - but we can come out from the financial loss by choosing a correct auto insurance coverage like

  4. #4
    Join Date
    Jan 2012


    Car insurance is really quite important plan for us, buy it online and find the best coverage for your vehicle.

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