Insurance is known in general (not of the types of that) is a auto
insurance, life insurance and health insurance. Insurance is a product intended
to protect the property, such as cars, houses, apartments, and more. This
insurance is usually to protect from the threat or danger around us. If you
have a vehicle that is used by you every day. You must ensure that your vehicle
is covered by auto insurance companies. If the car is owned by you may be
advisable to use the best choices, one of which is a car insurance all risk
best. It became the first and foremost choice. Why? This is related to a
variety of risks that may occur in a trip every day, ranging from your car
could have been hit by another vehicle, a victim of vandalism by someone who is
not responsible, or even theft. One example which may partly be experienced by
people is a car that was hit by public transport. Indeed damage suffered by you
only in part on the car body, but it makes the eyes are not beautiful to look
at your favorite, is not it. In such cases, the claim can be submitted to the
company if this type of insurance is a comprehensive insurance or all risk. Not
same with total loss only (TLO), if such cases above experienced by you, then
the claim can not be approved by the company. Why is that? Because insurance
companies usually provide protection to the type of total loss only applies
only if the damage to the car is more than 75% upwards.
Auto Insurance Comparison
If you can compare the two products between all risk with total loss
only. It will obtain the benefits of the
existing differences. Another benefit that can be obtained by you (if using all
risk types) is insured will be protected in case of riots or vandalism, which
resulted in damage to a car owned by insured. If you use a product total loss
only, you will get no benefits. If you can see some of the news on television,
there are some fights that carried out by a group of people that could be
detrimental to the insured or the policy owner. You are encouraged to purchase
products all risk so as not to suffer a great loss in the days to come. You
should be able to understand your needs. The things described by me not to
judge that all risk insurance is better than the total insurance loss only. You
can better understand the advantages and the type of protection that can be
obtained for you. Although all risk insurance has many advantages, it does not
mean the insurance total loss only has a lower quality. Insured must weigh
several factors before purchasing this type of insurance that will be used to
protect your beloved vehicle. Car insurance all risk rating ranging 1.45%
(depending on the policy set by the auto insurance companies). You can ask to your
insurance agent to get more information. Car insurance all risk rating as the
rating on the type of insurance in general is determined by the price of the
car at the market price and the insurance company that can define it.
Therefore, if your car is still new to the market price of approximately US$
80,000 car owners usually only pay a premium of about 1.45% per year (not
binding). List the percentage will further increase, it will be affected by the
production car. If your car has an older age, it will have the probability to
experience greater damage.
If we can think about insurance, the first thing in mind is to be free
from financial losses due to accidents that may occur in the vehicle. Since the
purpose of insurance is to reduce the uncertainty of the possibility of
unexpected losses by you. In general, insurance is a product that contains an
agreement between a person with an insurance company. In the agreement are the
rights and obligations of each party to be met. Indeed, in general, all risk
insurance would ensure that any risk to damage suffered by your car. In
essence, you are protecting the product dsari whatever threats exist. You have
to remember some of the terms imposed by the insurance company. An insurance
company will offer this with different features, ranging from the services of a
tow truck with a certain rate charges and other costs of coverage. You can
compare the amount of the premium and the protection of all risks with a total
loss only in lengkapa on your agent. So the amount of premium paid by you will
determine the facilities available from the company. By purchasing a policy,
you can drive a car with a sense of calm and safe.
Besides the benefits described above, auto insurance also provides
protection extension, eg legal liability to third parties or passengers,
natural disasters, and others. Nowadays, it is very easy for you to get a auto
insurance interesting and appropriate to the needs, because many insurance
companies to compete by offering an attractive program. The more people who use
the insurance, then it can be demonstrated that public awareness to protect
property owned by them of the possibility of danger is getting better.
Insurance companies in the country now compete to provide the best service for
the community, both in terms of the program until the claim.
Summary Auto Insurance (All Risk)
The above explanation is easy to understand for those of you who want
to know about all risk insurance. Indeed, all risk insurance to protect more
when compared with the total loss only. So, what are the things to consider if
you want to buy car insurance? You need to consider are as follows:
Understand all the options available in the product. You do not have to
choose the premiums are expensive, but you also have to be able to understand
about the guarantees provided by the company and also other details. One
example is anyone who can log in insurance policies (family members who use
your vehicle). In addition, the policy set by the insurance company to rent a
car or vehicle, and the breakdown of costs beyond insurance premiums may also
be charged by the company, and so forth.
You do not just choose the type of insurance because you like the
products offered by the company, but also specify the amount of premium you can
afford to pay each month. The premium amount can have the insurance coverage to
protect the overall cost should you spend in case of an accident. If something
bad happens, if only to protect your company only or others may also be
covered. In addition, you should ask your agent about the specific costs you
must pay that is not covered by insurance companies.
You must know the type of insurance provided by the company, for
example, what you can afford to buy another car if your car accident? If you
can not afford to buy another car instead of your car damaged in an accident,
the type of combined insurance is right for you, because this combined
insurance generally corresponds to the value of your car. If you think about
using logic, the more expensive the price of your car, the car would
increasingly need insurance. Before purchasing car insurance, you must
understand the price of the car, you have to know your car well. Habits that
occurs in the car, if you travel a lot. Such information and physical
information about the car, it is very helpful to you if the auto insurance
claims.
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