What Does Liability Mean On Your Car Insurance?

Liability insurance are really important and most state auto insurance laws require that an individual maintain at least liability insurance on their automobile. What it does is protect you against costs that are associated with the damage and injury of another in an automobile accident in which you may be deemed at fault.

There are two parts to the policy. There is property damage liability and bodily injury liability. It is pretty easy to guess that property damage liability is going to protect you against any cost and damage that is associated with damaging another person's physical property and that bodily injury liability is going to protect you against the personal injury inflicted on someone else as a result of the accident.

Usually, there are some numbers that a person may see on their policy. These numbers usually look like this: 50/100/25. Now what this means is that the policy is split up into three different amounts each policy can be different depending on what the individual chose when they opened the policy. In this case, 50/100/25 means that the insurance will pay for the bodily injury of an individual in an amount up to $50,000, will pay for the bodily injury costs on everyone in a vehicle in an amount up to $100,000, and will pay property damage costs up to $25,000.

Every vehicle requires its own level of liability insurance depending on what state you are located in. It is important to know what your state's auto insurance requirements are so that you have an idea of what you would have to pay in your insurance premium.

The cost

Liability insurance is cheaper than full coverage insurance that also includes damages from theft, natural disaster, and vandalism. Liability only covers costs associated with an accident so that you do not lose your hard earned assets in a lawsuit. There are have been cases in which a person has been sued for more that what they have in coverage, but the liability insurance does lessen the blow. However, a person can pay for different levels of liability insurance to ensure that they will not be "taken for everything they've got." Not having enough insurance can still have a heavy impact on a person's life when an accident occurs.

No one intends on hurting another and they usually do not purposely engage in an auto accident because there is so much trouble involved, including the possible loss of the vehicle. That is why it is important to carefully assess how much insurance you think you will need. Liability is rather affordable. Some states have a minimum requirement of 20/40/10, but you could carry something such as a 50/100/50 if you think you need it. The cost is still not going to be much.

Just remember...

Don't forget that if you set your limits too low you could be setting yourself up for financial disaster even though you have car insurance. This is to be considered carefully. It is easy to make the decision to save money by paying the lowest premium possible, but paying the lowest premium possible could later result in the loss of your assets. It is also important to remember that liability just covers bodily injury and property damage. If a tree falls on your home during a wind storm, it is then time to assess your options. However, liability insurance will protect you from those nasty lawsuits that may come your way as a result of an accident. That in itself makes it more than worth the money because you have the peace of mind that most or all your assets are protected.


Amy Nutt

Check Out the Related Article : Choosing The Right Auto Insurers For Your Antique Car

2007 Beck LM 800 Supercar twin turbocharged V8

2007 Beck LM 800 Supercar twin turbocharged V8

The Beck LM 800 is built on the principle of lightweight and aerodynamic efficiency. It uses composite materials to to keep the weight down and a form over function styling brief to keep the frontal area and drag coefficient to a minimum.
The LM 800 is a supercar from Beck Engineering & Composites GmbH based in Switzerland. The Beck LM 800 went on show in January 2007 in Vienna.
The construction of the Beck LM 800 is similar to that found in Formula 1 race cars with a carbon, Kevlar and aluminium composite monocoque protecting the driver and passenger, as well as providing a rigid base to attach the engine and transmission mounts and front control arms of the chassis. The LM 800 has an electronically controlled, hydraulic active chassis also influenced by F1 technology, which reacts to telemetry data and helps to keep the car firmly stuck to the road.
The engine is a V8 especially produced by MTM for the Beck LM 800 with a displacement of 4.2 litres and, thanks to two turbochargers, delivers a performance of around 650 HP (variable from 550 - 1000 hp) to the drive shaft. The drive unit is designed in such a way that even acceleration is achieved across the entire range up to a top speed of over 217 mph. The semi-sequential 7-speed gearbox is perfectly coordinated with the Beck LM 800 and reacts instantly to driver input.
The wheels of the Beck LM 800 are specially made and formed from aluminium. An in-built hydraulic jacking system makes tire changes a breeze.

Why Have Car Insurance?

Car insurance is most certainly one of the necessary evils of the modern world. It is a very important purchase; the type of coverage that you're able to obtain makes a big difference in whether you are able to replace or fix your vehicle in the result of an accident and is also a necessity in being able to drive your car on the road. It is designed solely to protect you, your family and automobile. It is designed to product yourself, your vehicle and other parties, although the level of coverage you obtain will determine the level of protection you'll receive while bearing in mind that it is something required by law when living in any state within America, but that doesn't mean you must break your wallet paying for it.

Car insurance is a legal requirement in the United Kingdom; it also protects you from liability, if you are unfortunately hit by someone who doesn't have coverage, the car insurance you obtain will protect you from the cost of getting your vehicle back to a working state. It is very important you obtain car insurance, solely because of an incident I witnessed some years back, it was an accident on the freeway, and as a result, it was essential that the insurance was able to cover the driver, the passengers and the car in such accidents.

Car insurance is currently a highly competitive market; as a result, companies are desperate to retain business. It is applicable for all types of automobiles and drivers and is done mainly for privately owned cars which have varied usage and are exposed to a varying amount of threat on a daily basis. This is a very important fact when buying a new car. Car insurance is a necessary requirement in that it protects you, the car owner from excessive costs and hassles if you're ever involved in a car accident and is also an important factor involved in you running your car on the road. It is also able to protect you from catastrophic loses, such as thefts or major accidents.

Car insurance is a must have to drive (find top car insurance brokers here: http://www.insightempire.com/Carinsurancebroker/ ). It's virtually a financial product and you will need to evaluate your cover like any Wall Street trader evaluates stock and bonds.

Cheap car insurance policies, in most cases have the least coverage allowable and generally do not pay you much in case of an accident; insurance for your car is essentially useless if your claims aren't paid. It is ideal for students as it provides protection for vehicles these young adults drive on and off the campus. But, it may not turn out to be such an attractive deal when making a claim. Cheap car insurance is certainly not the answer.

Auto insurance is not a contract; however, policyholders must be aware of the certain possibility that he or she may have a certain amount due after cancellation. Insurance, vehicle insurance and motor insurance are all different names for car insurance. Car insurance is becoming a big expense that looks like only getting worse, it may be really costly to have, but we certainly can't afford not having it. Insurance is sold all over the world, making London no exception. Auto insurance is a must in most places today.


by Uchenna Ani-Okoye

Check Out the Related Article : Choosing The Right Auto Insurers For Your Antique Car

B. Engineering Edonis Super Car by Jean Marc Borel

B. Engineering Edonis Super Car by Jean Marc Borel

The Edonis cannot be described as a beautiful car, but it certainly eye catching. Its angular, complicated lines crash awkwardly together in a chaotic fashion, this trend is evident from almost every angle. The headlights give the impression of tiredness, or even depression.
The Edonis supercar is a creation of B. Engineering, a company run by Jean Marc Borel. The Edonis was intended as a demonstration of the design and prototype abilities of his company. The B. Engineering Edonis is a genuine supercar with a 0-60 time under 4 seconds, and a maximum speed of 225 mph.

B. Engineering Edonis Super Car by Jean Marc Borel

The Edonis has little to be sad about. Twin turbochargers feed a 3.7 litre V-12 engine to create a whopping 680 bhp at 8,000 rpm. All this power is run through a six-speed manual gearbox.
Using a monocoque built from carbon fiber the Edonis is very strong and light. All the cosmetic exterior body panels are aluminum. To reduce weight further aluminum brake calipers are used.
To save even more space and weight the Edonis rides on Michelin PAX run-flat tires, this means a spare wheel is surplus to requirement.

Spiess TC 522 prototype supercar twin-turbo V8

Spiess TC 522 prototype supercar twin-turbo V8

The Spiess TC 522 was a supercar prototype from 1992. It was created by a Spiess, a German company better known for creating industrial electrical transformers.

The TC 522 was powered by a mid-mounted 5.7 litre, twin-turbo V8. The transmission was handled by a 6 speed manual driving the rear wheels. The Spiess TC 522 had a carbon-fibre composite body. Due to its high price, and a worldwide economic slow down, the TC 522 never left the prototype stage.

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