Full explanation of car insurance in America

car insurance
car insurance

I got a driver's license; now you want to buy a car. This is good because you will not be able to work or stay in America properly without a car especially in places where work and shopping are far from the place of residence.
After you get your driver's license and buy a car, you will need a car accident insurance card. This is a very simple process that can be done in a very short time. But will you understand and understand the meaning of every word or phrase mentioned by the insurance company employee; or found in the agreement you signed Between you and the insurance company
Many of the Arab immigrants are not bound by the laws and clauses of the insurance companies; most of them know that his fault coverage is partial or comprehensive; he will pay an amount; but how and then calculate that amount and what is partial coverage? And comprehensive? All these questions will be known on this subject.
Words and sentences that you will hear or read when you sign the insurance contract Bodily injury liability: It will literally give you legal and financial coverage if you injure or kill someone when you drive your car; the insurance company employee will provide you with a series of numbers representing the amount of coverage ranging from a $ 5,000 cover and a maximum coverage of $ 500,000; This applies to the types of coverage below with a slight difference in the minimum price and the maximum price.
Medical payments, no-fault or personal injury To cover the expenses of medicine for the injured passengers and driver in your car, as well as if you were injured by a car when you are sick Uninsured motorists coverage This means that the car is insured in the event of a collision with another car owner does not have Tamina;
 this applies to incidents where the other party escapes from the scene of the accident;
 then considered as a driver without insurance or coverage 
Comprehensive physical damage:
 Cover covers repairing your vehicle in the event of damage due to non-collision incidents such as theft; fire; pyramids;

Collision coverage:

Financial and legal coverage in the event of a collision, whether with something or with another car, whether it is your fault or the fault of the other driver. But you should keep in mind that this type is specific to the financial value of the car in the market; therefore, it is recommended to cancel this coverage if the car is very old.

Property damage liability: 

When you hit a third party or another car and the mistake was your fault, this type of coverage will protect you legally and pay you fees and repair In addition to the types of coverage above there are other services that insurance companies can offer to you to add to the list above;

Emergency Road Service: 
Helps you if your vehicle falls into mechanical damage on the road Rental Reimbursement: 
If your car is disabled or in a garage repair vehicle after a traffic accident, the service you have subscribed to will give you a free rental car until your car is repaired Mechanical Breakdown Insurance: 
Covering the mechanical damage of the vehicle. Now that I have read this topic, I have known the meaning of universal coverage and partial coverage. The latter means when you buy only one type or some type of coverage in order to reduce the cost of insurance for car accidents; 
the coverage is comprehensive and it means what the meaning of the word means buying all kinds of coverage. There are some other words that you may hear or read about car insurance.

Deductible: 
For example, you bought a cover, for example, Collision for $ 25,000 for each incident; and for $ 500 you chose a deductible; 
this means that the insurance company will pay you or the driver of the other car up to $ 25,000 Depending on the type of losses resulting from the collision and deducting 
$ 500 as your contribution to the repair costs The more you choose a large discount, the cheaper the insurance, and vice versa
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