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Tip #6 One of the most widely bought insurance in the world is the automobile insurance. There are more automobiles on the roads than people. So it is vital that every person who owns a vehicle must have it insured for the safety of himself as well as others. In this age when everyone demands insurance, it would be better if you know certain aspects of it. Let us look at some types of auto insurance. Under Property Damage Liability, the company covers the repairing costs of the other vehicle only. The bill for the damages to the other car will be paid by the company but the repairing cost of the policy holder would have to be from his own pocket. Collision insurance policy is the most common policy of them all. In this plan, the damage bill of your car will be paid by the insurance company. It requires a deductible and after that the company pays for all the charges. Bodily Injury Liability is a type of insurance in which the other car’s driver is also covered. If you are involved in an accident and the other person is hurt, then his medical bills will be covered by this policy. So there is no worry to be sued.

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6.) Not knowing your driving history (Part II)

Remember when you called your car insurance for roadside assistance? It officially was listed as an insurance claim. Every auto insurance company can see it for 5 years (CLUE Report) along with any accidents you've had (either your fault or somebody else's) and any accidents of every driver and any vehicle on your policy, even though it's not your car and you were not anywhere close to the accident scene. A lot of auto insurance companies (ex. your current insurance provider) will only use this data in calculating your rates dating back three years. Getting an insurance quote from any other insurance company is a different story. Depending on the state, the insurance company can look back up to five years (Seven years in NY, CA).
Get your personal Clue Report its free.

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