Auto Insurance Companies – What To Look For?
by C. K. Hartman
What is a car insurance? What does auto insurance cover?
Auto insurance companies cover you and your passengers in the event of an accident. But it is up to you to decide the level of cover you will get.
Will the damages to your property be covered by the company? Will all the passengers be covered or only your family? What if your daughter was driving your car?
What questions should you ask your auto insurance company when it comes to auto insurance? This article help you choose between the various insurance policies.
Types of auto insurance
Liability insurance, or third party insurance.
This is general the lowest form of insurance offered by an auto insurance company. This is the basic insurance, if you are involved in an accident, and it is proven to be your fault, the auto insurance company will pay damages to the other party.
The cover offered by the auto insurance company is usually set beforehand. These are the maximum amount the auto insurance company will pay in case of accident
For example the agent will agree on a 000 coverage per person, (bodily injury) and/or 000 coverage in bodily injury and/or 000 in property damage per accident
You need to confirm with your auto insurance company what they will cover and what are the limits.
You might be offered a very low premium by some auto insurance company only to realize that your cover is minimal and unrealistic.
Collision and comprehensive coverage, comprehensive insurance and full comprehensive insurance.
An auto insurance company will also offer you a comprehensive insurance, as the name indicates, you will be comprehensively covered.
In simple terms it means that if you are responsible for a collision the insurance company will pay for the repair of the vehicle.
But it is not so simple, an auto insurance company will almost always have the final say on what amount will be paid out, so if it is cheaper to give you market value for the car, then they will.
You might think that your car is worth 00.00 but the real market value might be 0.00. This is not an uncommon scenario. So if the repair of your car are more than 0.00 then the auto insurance company will simply pay the book value of the car.
You must make sure that the insurance company is not in control of the market value of the car, normally organisations like the AA will give an impartial market value.
As with the third party insurance, the auto insurance company will almost certainly limit the amount that will be paid out, but in general terms, a comprehensive insurance will have higher limits.
Recreation Vehicle
A recreation vehicle needs its own insurance, a Recreation vehicle insurance is not the same as auto insurance. You should not assume that because your car is comprehensively insured, so is your recreation vehicle.
Other Types of auto insurance
Medical (MedPay), Persona Injury protection (PIP) and no fault cover
This insurance will cover you and your passengers medical expenses in the event of a collision.
The no fault cover means that the auto insurance company will pay regardless of who is at fault. This give you the piece of mind that, at the very least, your family and friends are covered.
PIP is often a minimum requirement in some countries or states, ask your auto insurance company what the requirements are.
Uninsured/Underinsured motorists’ coverage
This cover, (also sometimes a minimum requirement in some states), will cover you if the person at fault is not insured or is underinsured.
You must ask your auto insurance company what you will be charged in case of such a situation. Normally the auto insurance company should not charge you some extra premiums.
Rental reimbursement, towing and labour
Those ‘extras’ often given with a comprehensive insurance is often use by auto insurance companies as specials.
So in case your car is damaged the auto insurance company will pay for rental costs, (sometimes only for a few days).
The auto insurance company might also offer to pay for the towing of your vehicle, (not always included).
As always you should ask your auto insurance company what is included in the cover.
The legal requirements.
Most states, and most countries will require a certain level of cover, from full comprehensive car insurance to third party auto insurance.
In most cases it is up to you, the driver, to ensure that your auto insurance company offers you the minimum required. In most cases the insurance company, (the auto insurance company), is under no obligation to instruct you of the requirements.
But of course, a good auto insurance company will, (should?), try its outmost to advise you on the best deal for you.
Find out more about Auto Insurance company.
This video is just a glimpse into the corrupt and greedy world of health insurance. It is deplorable that in the 21st century Americans have to suffer at the hands of these companies and the likes of Stephen Hemsley. Health care is a basic human right. This is why health care reform is so important.
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Hemsley is a murderer.
@SexSteakSoda : I don’t think it’s as simple as that for all obese people. Some people have a propensity for gaining weight and not being able to lose it.
United Health Care is one of the most evil corporations out there. All about profit. Its fucking ridiclous how obsessed some people are with money. Do you really need 20 cars, three mansions, a helicopter and all that shit? At the end of the day its all about materialism. The CEO of United Shit Care is taking money from people then finding any way possible to deny them coverage when they’re supposed to fullfill their end of the bargain. Greedy fuckin assholes. Can’t wait for the Reform.
@DigitalCortex Hahaha, well sadly obese people can take the fork out of their mouths and solve 90% of their health problems. But they don’t, most don’t have self control or discipline.
you cannot reason with these people. The problem here is as long as the individual is alright then screw everyone else….you have to live somewhere where there is an earthquake or some disaster in order to get help
Don’t forget people with a history of cancer, diabetes and other hereditary diseases in their family. We should just euthanize them so soulless SOB’s like you can continue living.
So if your employer offers health insurance through UHG your solution is to just go without. You’re absolutely right I don’t get your brand of soulless capitalism. I can’t measure everything in monetary terms. It’s called being a human being and I guess you don’t get that.
Bottom line is that if people don’t like UHG and the pay the CEO gets, then they won’t use them.
It’s called capitalism and I guess you don’t get that.
The bigger concern here is obese people and how much they cost us.
I’m not trying to convince you of anything. People like you are too closed minded to be reasoned with. You are also deaf. she said 1 in 700 not 7, but I think that’s selective and from the Karl Rove playbook. In 2008 UnitedHealth Group revenue’s were $75,431,000,000 and their profits were $4,654,000,000 which is about a 6% not 2.2%. I got my data from Fortune magazine and didn’t pull it out of my ass like you.
2.2% profit – yes that is obscene! Let us not forget that Medicare denies more claims than United Healthcare. $1 out of every $7 spent on health care goes to UNH’s CEO? LUDICROUS! Do the math! You’re trying to convince us that he makes $144 billion a year? Medicare denies more claims – at 3 times the rate of UNH. This is more liberal drivel. Liberal lies.
Thanks for posting this caring, insightful, relevant and urgent video.
Stephen Hemsley makes nearly 60,000 an hour, and makes tens of millions in annual bonuses for increasing company profit by denying there sickest clients live saving treatment.
Why are Americans accepting of this in a rich nation that likes to boast about its “Christian values?” We are a Godless nation of greedy,selfish and arrogant hypocrites.
This is the ugly truth that most Americans are oblivious to and unconcern with. The American dream is in foreclosure!
Americans live in a bubble,While Wall Street was wrecking our economy the corporate media was derelict in its obligation as was the government regulators who aided and abetted the corporate crooks,and even after the theft was complete the media continued to blame poor and working class for the crisis. More than a year later the have been NO arrest or indictments of any of the thieves. We can give trillion to the banks that caused this while denying the needy health care. God bless the USA?
First of all I lived in the UK for many years and their healthcare system was just fine. But let me get ths straight. Anyone that doesn’t think like you or share your opinions is not a real American? So your half century of life has taught you that making statements like this is what a real American does. This coming from a man from Texas, the State that wants to secede from the United States. I hope you see the irony of the situation.
It is funny that it’s the democrats complaining about corporate profits. Ask the democrats how the fly all over in their private jets and your tax dollars are paying for their lifestyle. Live on Universal Healthcare in Canada and UK. Let’s see how you like paying over 50% taxes. When you are so over tax, let Obama provide you with their socialist plan. You are not real Americans.
I was on Medicare from 1984-1986 while I was on dialysis until I recieved a kidney from my mother. The most recent transplants, Medicare was my secondary while I was on dialysis. I have no complaints. I do believe the system we have needs a major reform. There is a lot of fraud and waste. I’m just not all in on what is currently being proposed. I believe people in need due to no fault of their own should have healthcare. It’s gotten too easy for people to not try for themselves a little
Let’s talk after you’ve been on Medicare for a couple of years.
When it comes to health care you shouldn’t go by how well you were treated. I have a pretty good plan through my employer too. But it’s an expensive plan and people who aren’t employed by companies such as ours could not afford it. Health care should not be a privilege, it should be a right. What if police protection was run the way health care is. Only the people who could afford it would be protected. Think about it.
INSURANCE COMMISSIONER INVESTIGATING PROGRESSIVE INSURANCE
John W. Oxendine ordered a market conduct examination into recent allegations of invasion of privacy, fraud and other misdeeds by Progressive Insurance Co. “Georgia policyholders should expect an open and honest relationship with their insurance company,” Oxendine said. “In order to assure truthfulness within the industry, when we hear of possible wrongdoing, we have to act promptly to protect the consumer.”
Its situational application of the law, we pay for bogus insurance – Corporate crooks get rich, Progressive utilizes dumb caricature to sell worthless insurance policies. There is nothing funny about death and mangled bodies. Progressive is nothing more than a Ponzi Scheme in which Corporate Executives such as Glen Renwick get rich and leave injured policy holders bogus insurance policies which are not worth the paper they are written on. See Progressive Insurance Has Treated Me as Roadkill
Just a side note to my last comment. I do not believe that if I was under a government run insurance program, with my age creeping into the 50′s , that it would of been as easy as it was to get the transplants.
Corporate heads do make too much money, but I am the recipeint of a Kidney Transplant and a Pancreas Transplant that were approved by UHC. The Co. I work for paid for it. I was given no troubles about recieving my transplants. I do not know the whole story of the others or what type of insurance plan they had. I know most employee insurance plans are paid for and set up by the company they work for and that the Insurance company just administers it.
long live the king of United Healthcare
Do not give doctors any money. They do not deserve anything.
Just give it to ther CEO and his board roommates. He will take care of patients.