Automobile Insurance FAQ

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Motorists can have some questions they would like to find the answers for regarding their coverage, prices, quotes, vehicles and policy terms. They do not feel comfortable to ask to an Car Insurance Agent or broker each time they like to find out something. Most of the time can find substantial information online. We try our best to be helpful here as well. However, policyholders should not hesitate to call their insurers when they have important and specific questions.

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Here are some of the questions we come across often. These answers are not extensive and you may be able to find more on posts within this site addressing specific topics.

Does my policy cover me for driving cars belonging to others?

Usually, the owner of the car should have arranged coverage if he will let others drive his car. Your policy can cover cars belonging to others while you are driving, if you ask for it. However, this will probably cover the liabilities you may face after the owner’s policy exhausted and not the damages to the car.

Will my Insurance Policy cover the rental car as well?

You can get your private policy to cover the liabilities section when you rent a car. However, it is unlikely that they will cover any car you rent for damages. You may have to buy damage waiver from the rental company.

Why the agent likes to know who else can drive in my household?

Companies assume that at some stage you may allow them to drive your automobile. They like to accommodate this possibility in their calculations.

What extras I should buy on top of the liabilities to insure my car properly?

Collision coverage pays for any crash related damages your car may suffer.
Comprehensive coverage will include most other damages to it except the collision like weather related damages, theft, vandalism, falling threes and so on.

How come rates are so different in the market?

Every company has their own preferred risk profile and every policyholder carries specific risks. When an insurer comes across a driver meeting their acceptable risk criteria, they will offer better rates. If they do not like the driver history or the car he is driving, they will offer much higher rates. You just have to find your ideal insurer to get the best rates.

What is deductible and how does it affect the rates?

Deductible is the first portion of a damage that will be paid out of the pocket of the policyholder before insurance kicks in. The more risk you take away from the carrier by increasing the deductible the lower the premium should be.
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How much my rate can go up if I move from a town to a large city?

A lot is the short answer. Depending on how safe is your current location and how risky the city center you are moving to, the premium can be as much as double.

How come some cars are cheaper to insure compared to similar cars of different manufacturers?

Some manufacturers build safer cars than others. These safety features can reduce the injuries to people and damages to cars. As a result, insurers are likely to pay less for claims and therefore offer better rates to those owners.

Can auto insurance companies reject certain claims?

Yes, in some cases they will have to. If you were drunk when you caused the accident or deliberately damaged it, they will not be happy to pay.

If my car is totaled, would the insurance pay for my loan on it?

Not automatically, but yes if you bought a gap insurance. These are special additions to make sure that the payment is not less than the loan when the vehicle is totaled.

Can insurance companies refuse to insure certain people?

Yes, they do not have to accept every risk especially bad drivers with several accidents in a short time or many traffic violations are not necessarily welcomed.

What happens if I stop paying the premium installments?

Probably, the policy will be cancelled. Some companies can cancel automatically as soon as you stop paying and few may allow a grace period even though they do not have to.

Is it easy to get quotes online?

It is pretty easy when you find an efficient website like to carry out the search. It should not take more than thirty minutes to properly compare Car Insurance rates and buy.About us | Contact us |

Trouble in Mali

maliMali has been a peaceful land and has been extremely welcoming to foreigners. People are known for their helpful nature and are quite friendly and expressive. However there has been a drastic change in the scenario now , as there has been an arise of tension. Even the locals feel the tremor in existence and even though they go about doing their normal chores, their spirit is shaken and they feel helpless and displaced. The social workers from the area suggest how the children are finding extreme difficulty in coping up. They also mention a scenario where the children have witnessed the death of their parents right in front of them, leaving them shattered. Data reveal that around 1 million people have been displaced due to fighting.

rebelles-mujao-mnla-mouvement-national-liberation-azawad-base-kidalMany claim it to be the worst sort of bloodshed which ever occurred in the history of the country. Some also denote that the nature the war can also turn to sporadic as some communities treat themselves to be superior to others, which again results in vengeance and bloodshed. People are also worried over the outbreak of ethnic violence.

The involvement of Libyan Army should also be considered in this scenario. The Army trained and gave the northern Malians a lot of exposure , so apparently when the they returned to their native country when it fell apart, these people from Mali returned to the their home land with enormous quantities of guns and other advanced and high quality war machinery. Even though a lot of criticism has been poured in describing the insensitiveness in Mali, still everyone has a lot of fondness for the scenic and beautiful country.

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Overbooked; Elizabeth Becker Is Out With Her New Book

Mezzanine_242Renowned journalist turned author Elizabeth Becker‘s latest book, “Overbooked: The Exploding Business of Travel and Tourism” hopes to give insights into the blooming multibillion dollar industry .She says that she was irritated and by the paradigm shift in the global economic force and was compelled to write this book in sort of bringing everything into the attention of public. She feels that, how in spite of its relevance most often it gets stuck to lifestyle columns of magazines and newspapers. She believes that through her book, it would get the deserving attention and also that people realize how the industry is also a job giver.

She estimates that around 1 billion people travel abroad each year spending approximately seven trillion dollars. However she also points out the pitfalls in the industry. As a part of her research she extensively travelled around the globe, met people and did a thorough statistical survey.

41luY6DnXGL._SX331_BO1,204,203,200_All this is quite evident in the book as she supports all her claims using plenty of data. In her book she describes the research she did in Cambodia, whose revenue from tourism contributes to almost 20 percent o their Gross Domestic Product. She continues saying that, in countries like that money does not help the poor and instead the elite and other foreign countries are highly benefitted from the industry.

Becker also examines other issues that affect them such as environmental exploitation and sexual assault on minors which most often are concealed by the authorities. She also agrees that Cambodia is not the only country acing these issues and she says that was her driving force for writing this book. Through this book she hopes that tourism industry would be taken seriously and an environment would be created which would be beneficial to the tourists and the local people alike!

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