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Auto insurance covers you against any personal financial loss that might occur because of an accident or theft of your vehicle. It is an auto insurance company that issues car and truck insurance to you. A car and truck insurance provider will generate a car insurance plan for you after examining the different options like the make of your car, the premium that you want to pay, your insurance coverage risk, etc. An annual premium needs to be paid by you to the vehicle insurer so that the company can cover your loses that you may suffer in the future. All the terms and conditions are discussed in the contract and it is your responsibility as a motor vehicle owner to examine all the points and ask the insurance agent any concerns that you have in mind. It is only after all the terms and conditions are clear to you that you should sign on the dotted line and pay the fee.

Typically all automobile insurers have the same insurance plan. The premium to be paid and the percentage of losses to be covered in case of any collision may differ slightly. Because the cars and truck insurance coverage market is really competitive, the premium rates and other conditions practically remain the same.

A motor vehicle insurance plan may offer residential or commercial property, liability and coverage depending upon the type of policy. The property coverage covers losses for damage of the cars and truck or the theft of the motor vehicle. Liability protection covers any legal liabilities to other individuals for physical injury or home damage. And medical protection covers costs for dealing with injuries, medicine costs and funeral expenses in case of a car accident. You may buy the various types of protection depending on what you wish to spend on your policy.

A car insurance coverage usually consists of 6 types of coverage. As discussed before a client can select from the different kinds of coverage. The majority of the motor vehicle policies last from 6 months to a year. Your automotive insurer will bill you when it is time to extend your policy and be prepared for a rate increase.

The various kinds of coverage are:-.

1) Bodily Injury Liability.

This type of liability covers the expenditures of injuries that you may cause to another person while driving your motor vehicle. In addition the coverage consists of injuries caused to a person while operating other person's vehicle.

2) Medical Expenses and Personal Injury Cover.

This type of liability covers the costs for the treatment of injuries to car owners and other passengers. The liability also covers medical expenses and funeral service expenditures in the case of death.

3) Residential or commercial property Damage Liability.

This type of liability pay for damage to the other individual's motor vehicle and your car. It may additionally consist of damage to light posts, telephone poles, hedges and other public real estate.

4) Collision.

This type of liability covers expenses for damage to your car or truck or the other individual's motor vehicle. Even if you are at fault, then additionally you will be repaid for the costs of repairing the car or truck.

5) Extensive.

This liability covers loses due to theft or damage to the car by something other than accident with another item or damage to the cars and truck due to fire, falling objects, blast, earthquake, and so on.

6) Uninsured and Underinsured Motorist Protection. This liability covers damages to your motor vehicle by another vehicle driver who is without insurance.

The coverages pointed out above are offered by all car or truck insurance companies. In almost all states, car insurance is mandatory. For that reason, it is your responsibility as a car or truck driver to have an insurance policy.

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