Car insurances and what you should know!

The covers under the motor car insurances are divided into six parts that are broad. These include the part A- liability coverage which is the most important part of a motor insurance cover. It protects a covered person against a suit or claim arising out of the negligence of the insured or operation of insured auto. Under this coverage are the insuring agreements where the insurer agrees to pay any damages or bodily injury or property damage for which an insured is legally responsible because of an auto accident.

The other item under the liability coverage motor car insurances policy is the insured persons and in most countries the four groups included are the named insured and family members. Name insured also includes a spouse if the residents of same household. A family member is a person related to the name insured by blood, marriage or adoption who resides in the same household. Any other person using the name insured covered auto is also insured provided that this person can establish that reasonable belief permission was granted fro the use of auto.

Coverage also applies to any person or organization legally responsible for name insured or family members use of any auto. Also any person or organization legally responsible for the acts of a covered person while using a covered auto is also insured. Supplementary payments subject to the limit of liability are to be paid by the insured such as the cost of bail bond, interest accruing after judgment, loss of daily earnings and premiums on appeal. The part B of the car insurances policy is the medical payment coverage. under this is the again the insuring agreements where the company will pay all the reasonable medical or funeral expenses incurred by an insured fro services rendered within three years from the date of accident.

It will also include the exclusions some of which exclude bodily injury while occupying a motorized vehicle with fewer than four wheels. If the covered personal auto is used as coverage or delivery conveyance this car insurances policy do not apply. Using a vehicle as residence is exempted in the coverage and also if the injury occurred during the course of employment among others. Primary and excess medical coverage is also another part of the part B. medical payments coverage is excess with respect to a non-owned vehicle.

The part C. is the uninsured motorist coverage which defines the uninsured motorists as that who drives without liability insurance, and thus this coverage pays for bodily injury posed by uninsured motorists, hit and run driver and/or negligent driver without insurance cover. The insuring agreements under this is where the insurer agrees to pay compensatory damages that uninsured is legally entitled to receive from the owner or operator of uninsured motor vehicle. the insured persons are in most cases there groups namely the name insured and family, any other person while occupying a covered auto and any persons legally entitled to recover damages.

The parts of car insurances policy as from part D onwards up to part F includes the coverage for damage to your auto, duties after and accident or loss and general provisions respectively.

For More Information Visit Her Site at CAR INSURANCES

by Poly Muthumbi


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