tag:blogger.com,1999:blog-37372180785046895792024-02-20T10:12:12.033-08:00Auto InsuranceShantha Kumar Rhttp://www.blogger.com/profile/13880782126301917808noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-3737218078504689579.post-73868071439009241842009-04-17T01:44:00.000-07:002009-04-17T01:45:32.069-07:005 Reasons for Getting Commercial Auto Insurance<div style="text-align: justify;"><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">The commercial </span><a id="KonaLink0" target="undefined" class="kLink" style="text-decoration: underline ! important; position: static; font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);" href="http://www.articlesbase.com/insurance-articles/5-reasons-for-getting-commercial-auto-insurance-417191.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 12px; position: static;"><span class="kLink" style="font-weight: 400; font-size: 12px; position: static;">auto </span><span class="kLink" style="font-weight: 400; font-size: 12px; position: static;">insurance</span></span></a><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);"> provides security of auto own by you for the business purpose. The commercial auto insurance gives bodily injury as well as liability coverage. The vehicles are used for the commercial purposes are </span><a id="KonaLink1" target="undefined" class="kLink" style="text-decoration: underline ! important; position: static; font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);" href="http://www.articlesbase.com/insurance-articles/5-reasons-for-getting-commercial-auto-insurance-417191.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 12px; position: static;"><span class="kLink" style="font-weight: 400; font-size: 12px; position: static;">trucks</span></span></a><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">, car, buses, van and </span><a id="KonaLink2" target="undefined" class="kLink" style="text-decoration: underline ! important; position: static; font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);" href="http://www.articlesbase.com/insurance-articles/5-reasons-for-getting-commercial-auto-insurance-417191.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 12px; position: static;"><span class="kLink" style="font-weight: 400; font-size: 12px; position: static;">trailers</span></span></a><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">.</span><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">Different types of commercial </span><a id="KonaLink3" target="undefined" class="kLink" style="text-decoration: underline ! important; position: static; font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);" href="http://www.articlesbase.com/insurance-articles/5-reasons-for-getting-commercial-auto-insurance-417191.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 12px; position: static;"><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); font-weight: 400; font-size: 12px; position: static; background-color: transparent;">auto </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); font-weight: 400; font-size: 12px; position: static; background-color: transparent;">insurance </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); font-weight: 400; font-size: 12px; position: static; background-color: transparent;">coverages</span></span></a><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);"> are available for vehicles such as:</span><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">Business coverage:</span><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">The business insurance is provided for the personal travelers and commercial vehicles who are involved in any businesses. It is clear that the cargo companies, auto dealers and auto service companies are not allowed.</span><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">Primary/ personal coverage:</span><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">The commercial auto insurance provides primary coverage, which gives legal responsibility, cost of protection etc. The commercial auto insurance covers bodily injury. It gives protection from injury, however it is different from the personal auto policy. </span><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">Comprehensive/Collision coverage:</span><br /><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">Comprehensive and collision coverage are available which covers defined threats due to there be some reason responsible for losses. The collision coverage it covers repairs, restore or compensate the totaled auto.</span><br /><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">Garage Coverage:</span><br /><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">The auto dealers are not covered under the business coverage but they are covered under the Garage Coverage. The garage coverage includes liability coverage, insurance for garage keepers and bodily injury.</span><br /><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">Trucker's Coverage:</span><br /><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">The Motor Carrier Act need truck owners to confirm to convene financial requirement because truck owner’s will responsible for any losses during the move. Looking to this the insurance company provides trucker's coverage to the truck business owners. Under the trucker’s coverage the basic liability coverage, bodily injury and trailer replacement insurance are covered.</span><br /><br /><span style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">The auto insurance either it is personal or business purposes are essential now a day due to security reasons. Looking to this fact the most state transport agencies and federal agency are also made come insurance coverage compulsory. It will reduce the liability and give proper security to the auto owners.</span></div>Shantha Kumar Rhttp://www.blogger.com/profile/13880782126301917808noreply@blogger.com0tag:blogger.com,1999:blog-3737218078504689579.post-44742500201524271162009-04-17T01:43:00.000-07:002009-04-17T01:44:45.254-07:00Your Auto Insurance Coverage Explained<p style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">If you drive, you need <a id="KonaLink0" target="undefined" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/insurance-articles/your-auto-insurance-coverage-explained-845531.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 12px; position: static;"><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); font-weight: 400; font-size: 12px; position: static; background-color: transparent;">auto </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); font-weight: 400; font-size: 12px; position: static; background-color: transparent;">insurance</span></span></a>. But many drivers still cruise around town uninsured. But why? It's because they don't think they'll end up in an auto accident. However, everyday hundreds of drivers find themselves in auto accidents, and I'm sure it's safe to say that they weren't expecting it.</p> <p style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">Auto insurance is security. It's a way to protect your car, yourself, and other drivers while on the road. Auto insurance policy holders pay premiums and in return, the <a id="KonaLink1" target="undefined" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/insurance-articles/your-auto-insurance-coverage-explained-845531.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 12px; position: static;"><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); font-weight: 400; font-size: 12px; position: static; background-color: transparent;">auto </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); font-weight: 400; font-size: 12px; position: static; background-color: transparent;">insurance </span><span class="kLink" style="border-bottom: 1px solid rgb(0, 153, 0); font-weight: 400; font-size: 12px; position: static; background-color: transparent;">company</span></span></a> subsidizes expenses involved in an auto accident. It's a way to protect drivers against costly car repair, hospital, and even legal bills as a result of an auto accident.</p> <p style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">But there isn't just one type of auto insurance available. Drivers have a few options they can choose from when selecting an auto insurance policy. Drivers can choose the level of coverage and liability of their policy. However, more liability and coverage means higher premiums. So how do you decide what policy to get?</p> <p style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);"><strong>What to Select:</strong></p> <p style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">When shopping for auto insurance, you first need to establish what type of coverage the state requires you to have and what additional coverage you want. Different states have different <a id="KonaLink2" target="undefined" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/insurance-articles/your-auto-insurance-coverage-explained-845531.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 12px; position: static;"><span class="kLink" style="font-weight: 400; font-size: 12px; position: static;">auto </span><span class="kLink" style="font-weight: 400; font-size: 12px; position: static;">insurance </span><span class="kLink" style="font-weight: 400; font-size: 12px; position: static;">coverage</span></span></a> laws, so be sure to check with the DMV or your auto insurance company about specific state requires. But, in addition to state required levels of coverage, you can always add additional coverage to your policy. Standard coverage options include medical coverage, collision, and comprehensive coverage. Liability coverage options include injury and property damage.</p> <p style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">If you want to protect yourself from paying high medical fees for someone you injured in a car accident, include injury liability to your policy. With most policies, you can even state the level of liability coverage, dictating how much your insurance company will cover and what your premiums will be.</p> <p style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);"><strong>What Not to Select:</strong></p> <p style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">Some people see auto insurance as a burden. They think they're perfect drivers and will never get in an auto accident. And if they do, it won't be their fault and the driver at fault will pay for any necessary repairs and medical expenses. So, they opt for the most inexpensive or basic coverage possible.</p> <p style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">If you're one of these "perfect drivers" who thinks this way, you're not looking at the entire picture. What if you're rear ended and injured by an uninsured driver who flees the scene and is never found? Now you're stuck with medical and car repair expenses. If you had a policy that covered you in such an event, you wouldn't be stuck with the entire bulk of the bills. Basic auto insurance only provides basic coverage; and the term "basic coverage" means different things to different <a id="KonaLink3" target="undefined" class="kLink" style="text-decoration: underline ! important; position: static;" href="http://www.articlesbase.com/insurance-articles/your-auto-insurance-coverage-explained-845531.html#"><span style="color: rgb(0, 153, 0) ! important; font-family: Verdana,Arial,sans-serif; font-weight: 400; font-size: 12px; position: static;"><span class="kLink" style="font-weight: 400; font-size: 12px; position: static;">insurance </span><span class="kLink" style="font-weight: 400; font-size: 12px; position: static;">companies</span></span></a>. If you're shopping for auto insurance, don't just ask for the most inexpensive and basic policy. Think about what you need to keep yourself safe on the road in any situation. You never know what will happen when you're on the road.</p> <p style="font-family: georgia; font-weight: bold; color: rgb(204, 0, 0);">Auto insurance is a basic necessity of life. If you want to keep yourself safe while on the road, you need to have proper auto insurance and a policy with the coverage and liability you need to protect yourself and your passengers in any situation.</p>Shantha Kumar Rhttp://www.blogger.com/profile/13880782126301917808noreply@blogger.com0