Safe Driving Tips for You

Please consider these tips before your journey.

The Theory of  F.L.O.W.E.R

• Fuel
• Lights
• Oil
• Water
• Electrics 

You have to consider the FLOWER theory and it will help you to protect your vehicle from break down as well.

How Much of Car Insurance You Need?

Tips One:- 

Need to check your state's minimum insurance requirements. It's possible that the minimum coverage required might not be that different than what you really need.

Tips Two:- 

When you deciding how much coverage you need, make sure you're covered for an amount equal to the total value of your assets.

Tips Three:- 

You need to keep premiums low, choose collision coverage with a high deductible, and plan to pay routine repair costs with your own money.

Think your auto insurance is a collection of different policies that cover you in different ways. Here’s how they break down.

1, Liability coverage – It help cover liability and expenses when you’re at fault in and accident. The money will go to the people you hit, but it won’t cover the people in your car.

2, Bodily Injury Liability (BIL) – It pays for the medical expenses of people injured in a crash in which you’re at fault. You’ll often see BIL policies described as a “20/50” policy or a “100/300” policy. These numbers describe the maximum dollar amount the policy will pay for a single person’s injuries and the maximum for all the injuries sustained by all the occupants of the other car. For example, a 20/50 policy will pay a maximum of $20,000 for a single person’s injuries, and up to $50,000 total for the injuries of everyone in the car you hit.

3,  Property Damage Liability – It pays for damage done to the other car if you’re at fault in an accident. Property liability is sometimes referred to alongside BIL as a third number, so a 20/50/10 liability package will cover up to $10,000 for damages to the other car.

Also following policies cover you and your card in an accident:

1, Personal Injury Protection (PIP) – PIP covers your and your passengers’ medical expenses after an accident. If you lose time at work because of your injuries, this policy may also cover lost wages.

2,  Uninsured/Underinsured Motorist Coverage – Uninsured helps cover costs if you are hit by someone without insurance, or minimal coverage.

3,  Collision – Collision policy covers repairs to your car after an accident.

4,  Comprehensive – Comprehensive covers costs if your car is stolen or damaged outside of an accident.

How to Take Immediate Actions when Facing Vehicle Accident?

The vehicle accident is a sudden incident has to face unexpected time or unexpected day.  Therefore you need to take quick reaction if you are in a suitable condition to solve such matter. Please read carefully and take this actions on your mind. 

It is a most important thing to do immediately after a vehicle accident is to assess and measure any injuries you. Also the other drivers and passengers have received with vehicle accident. And need to determine your own safety also check with the other people involved and, if necessary, immediately call for an ambulance because it is the first needed thing to do.

If you are in a good health condition you can safely drive your vehicle and move it off to the side of the road. Because if it is not it may be cause the path of oncoming traffic. It will help to you at a safe distance from traffic while you exchange information with the other drivers. And also try to make it easier for police and ambulance workers to reach the scene of the accident with your vehicle. Please do not forget to call the police as soon as possible.

When Police will take statements from all drivers involved in the vehicle accident and try to determine if a police report is necessary. Also such information will be important when filing your insurance claims for automobile accident.  You need to write down the investigating officer's information and other information like badge number in such case. Because you’re insurance agent or attorney needs to contact the officer to get actual information and other reports.

Natural Disaster Vs Auto Insurance

It is hard to protect our wealth and health from natural disaster. Also we are unable to take actions against the natural disaster. In here we are going to discuss about natural disasters and their effects on auto insurance, because of it has become a major issue for vehicle owners.

There are so many types of natural disasters that you have to face in your life including your vehicle and other fixed assets. The assets like automobile may be one of beautiful dream you realized hardly. That's why you are tried to protect it always like your family member.
You have to protect your vehicle from,
1, Hurricane
2, Tornado
3, Earthquake
4, Flood
5, Fire
6, Blizzard also mudslide happening all over the world.
Most of mentioned natural disasters are more dangerous to your vehicle because such kind of situations occurred suddenly in the unexpected day or time.

On this matter we recommend you to buy comprehensive automobile policy when you purchase your dream vehicle. But you need to think a bit about buying separate coverage for early mentioned natural disaster like hurricanes, floods, earthquake and other disasters. Especially you need to get advices from your insurance agent about all of the options related to your policy as well. 

Third Party or Comprehensive Auto Insurance?

The terms of Third party and Comprehensive are the most common in the auto insurance sector.  These are two separated policy plans you can obtain via your auto insurance company. 

The comprehensive Coverage ( Full Insurance)

The comprehensive coverage pays for loss or damage to the insured vehicle that doesn't occur in an auto accident. Also types of damages comprehensive insurance covers include loss caused by wind fire, vandalism,  flood,  hail or theft at present.

Obtaining comprehensive auto insurance coverage is a good idea no matter who you are. And also in a stressful time like a natural disaster, an act of vandalism, it can be extremely helpful if the financial burden of paying for vehicle repairs is already taken care of. Also you can choose a low deductible and pay even less should you get into a car accident just makes sure that you have the full amount of the deductible  with you.

Also your vehicle is old and has a low blue book value, then you don't need to purchase as much comprehensive coverage when considering. Also you can replace your car for less than its real value, and then it makes financial sense to skip this coverage. Not only weigh the cost of payments plus the deductible against the cost of replacing the vehicle but also let the numbers dictate how much comprehensive coverage buys.

The Third-Party Insurance Coverage

As we know third-party automobile insurance is one of the more popular types of third-party insurance. That means most of drivers are often required by their state to have adequate insurance coverage to ensure that damages resulting from an accident can be paid for. The term of "Third-party" in the case of automotive insurance would be the driver of the other vehicle, since that person is not the first party (owner) in the insurance policy. When considering third party insurance,

The third party insurance policy purchased for protection against the actions of another party. 

That means 

third-party insurance is purchased by the insured (first party- Owner) 

from an insurance company (second party)

for protection against another party's claims (third party).

What do you want to know before purchasing Auto Insurance?

There are lot of considerations you have to know before purchasing auto insurance today. The brief descriptions here for your knowing.

1. Your economic feasibility:- That means you have to consider about how much of money you can spend for year. Because if you wish to recover little premium you have to spent small amount of money. But wish to obtain huge coverage and protection you have to pay lot of money when purchasing auto insurance. 
2. Current condition of your vehicle :- Here we need to consider value of your vehicle. Your coverage based on real value and current condition  of your vehicle.
3. Your country or region statements and lows:- This is most important consideration while thinking before purchasing auto insurance. Most of insurance minimum will most likely be determined by holder country or state statements and law also many people are encouraged to purchase more than is required at present.
4. Consider about other insurance plans
5. Options with you selected insurance schemes
6. Insurance company, it's payments and other strategies on auto insurance.
7. Category wise insurance options and benefits
8. Benefits offering history and other bonus schemes
9. Ideas from other auto insurance holders.

Why we need to get Auto Insurance ?

As we know purchasing an auto insurance policy doesn't have to be confusing. Because we want a policy not only to take care of our expenses in the event of accident, theft, vandalism or most any other instance in which there is damage to our own but also someone else's vehicle with the current rush world.
Also we need to knowing our country or regions requires and our needs are, discounts, qualify for and how much coverage we need for our vehicle then we will be able to choose the right policy.
If you wish to purchase auto insurance, you need to consider a variety of factors including what kind of vehicle you have also your driving record and the amount of money you are willing to pay as a premium. Also need to understand the simple basics of auto insurance that will make you confident that the vehicle insurance policy you choose will take care of your needs in the event of an accident or any other harassment.