Automobile Insurance Terminology
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Jude Wright
Aug 6, 2006, 10:25:02 PM8/6/06
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Please consider this free-reprint article written by:
Jude Wright
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IMPORTANT - Publication/Reprint Terms
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Article Title: Automobile Insurance Terminology
Author: Jude Wright
Word Count: 442
Article URL: http://www.isnare.com/?aid=73712&ca=Finances
Format: 64cpl
Author's Email Address: wrightwayservices[at]gmail.com (replace [at] with @)
Easy Publish Tool: http://www.isnare.com/html.php?aid=73712
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Most states require that a vehicle be insured before it can be driven on public streets and highways. It is important to understand the terminology of your auto insurance policy so that you know that you have the necessary insurance coverages for your area. Take time to review your car insurance to make sure you have what you need.
Deductibles:
The deductible is the portion of a covered loss that is your responsibility. The deductible applies to each covered loss. Deductibles vary by state but are typically in the amounts of $100, $250, $500 or $1,000. Usually, the higher the deductible the lower your premiums. Of course, the amount you must pay out of your pocket increase with the higher deductible.
Coverage:
There can be many types of coverage included within one single auto insurance policy. Insurance coverage requirements vary by state and usually include the following types of coverage:
Liability: Liability coverage pays for accidental bodily injury and property damages to others when the insured person is legally responsible for an accident. Bodily injury damages include medical expenses, pain and suffering, lost wages and other special damages. Property damage includes damaged property and may include loss of use. Liability coverage also pays defense and court costs.
Personal Injury Protection: Personal Injury Protection is required in some states. It pays medical expenses for covered persons, regardless of fault, for medical treatment due to an auto accident.
Medical Payments: Medical Payments Coverage is available in most states. It pays medical and funeral expenses for covered persons, regardless of fault, when those expenses are related to an auto accident.
Collision: Collision coverage pays for damage to a covered vehicle caused by collision with another object or automobile.
Comprehensive: Comprehensive coverage pays for loss of or damage to a covered vehicles, not caused by a collision or accident. Examples include loss caused by fire, wind, hail, flood, vandalism, theft or hitting an animal.
Uninsured Motorist: Uninsured Motorist coverage pays damages when a covered person is injured by an auto accident caused by a driver who does not have liability insurance.
Rental Reimbursement: Rental Reimbursement pays car rentall expenses when your auto is disabled due to an accident.
Emergency Road Service: Emergency Road Service pays expenses incurred for having your auto towed as a result of a breakdown.
Who is covered under an auto policy?
Your policy usually covers you, your spouse and other relatives who live in your household and others who have permission to drive one of your covered vehicles.
About The Author: Jude Wright is an author and webmaster. Descriptions of different types of insurance can be found on her site at http://economicalinsurancequotes.com.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=73712
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
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Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
Jude Wright
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to wrightwayservices[at]gmail.com (replace [at] with @)
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to wrightwayservices[at]gmail.com (replace [at] with @)
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Automobile Insurance Terminology
Author: Jude Wright
Word Count: 442
Article URL: http://www.isnare.com/?aid=73712&ca=Finances
Format: 64cpl
Author's Email Address: wrightwayservices[at]gmail.com (replace [at] with @)
Easy Publish Tool: http://www.isnare.com/html.php?aid=73712
*********************** ARTICLE START ***********************
Most states require that a vehicle be insured before it can be driven on public streets and highways. It is important to understand the terminology of your auto insurance policy so that you know that you have the necessary insurance coverages for your area. Take time to review your car insurance to make sure you have what you need.
Deductibles:
The deductible is the portion of a covered loss that is your responsibility. The deductible applies to each covered loss. Deductibles vary by state but are typically in the amounts of $100, $250, $500 or $1,000. Usually, the higher the deductible the lower your premiums. Of course, the amount you must pay out of your pocket increase with the higher deductible.
Coverage:
There can be many types of coverage included within one single auto insurance policy. Insurance coverage requirements vary by state and usually include the following types of coverage:
Liability: Liability coverage pays for accidental bodily injury and property damages to others when the insured person is legally responsible for an accident. Bodily injury damages include medical expenses, pain and suffering, lost wages and other special damages. Property damage includes damaged property and may include loss of use. Liability coverage also pays defense and court costs.
Personal Injury Protection: Personal Injury Protection is required in some states. It pays medical expenses for covered persons, regardless of fault, for medical treatment due to an auto accident.
Medical Payments: Medical Payments Coverage is available in most states. It pays medical and funeral expenses for covered persons, regardless of fault, when those expenses are related to an auto accident.
Collision: Collision coverage pays for damage to a covered vehicle caused by collision with another object or automobile.
Comprehensive: Comprehensive coverage pays for loss of or damage to a covered vehicles, not caused by a collision or accident. Examples include loss caused by fire, wind, hail, flood, vandalism, theft or hitting an animal.
Uninsured Motorist: Uninsured Motorist coverage pays damages when a covered person is injured by an auto accident caused by a driver who does not have liability insurance.
Rental Reimbursement: Rental Reimbursement pays car rentall expenses when your auto is disabled due to an accident.
Emergency Road Service: Emergency Road Service pays expenses incurred for having your auto towed as a result of a breakdown.
Who is covered under an auto policy?
Your policy usually covers you, your spouse and other relatives who live in your household and others who have permission to drive one of your covered vehicles.
About The Author: Jude Wright is an author and webmaster. Descriptions of different types of insurance can be found on her site at http://economicalinsurancequotes.com.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=73712
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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