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25 Mar 2016

=Geico Claims=

Motor insurance is truly one of most essential policy coverages for automobiles. However, this type of policy varies from state to state inside of a country itself as well as the regards to cover and protection may difference in percentages and ratios. A car insurance provides protection to vehicle owners whenever you have accidents involving cars included in these policies together with extend protection for damages caused to third parties.


Broadly, auto insurance policies cover six risky categories, the premium payouts are based on the pricing for every single of the separately.


� Accident or collision cover

� Bodily injury liability

� Comprehensive

� Medical

� Property damage liability

� Uninsured motorists' coverage


Accident cover or collision cover - provides accident and injury coverage for client if he sustains injury while travelling in an insured vehicle, in addition to damages to the insured vehicle.


Bodily injury liability or third party legal liability - a driver could be legally needed to pay compensation if his car causes problems for a third person or ends in the death of your third person. Most motor insurance policies provide cover against legal liabilities that happen to be a result of accidental damages to third person and property. A policy limit for injuries or death will not be fixed and will depend on a case-to-case basis.


Comprehensive - some plans cite this as 'Vehicle Damage' such as natural calamities. Comprehensive generally excludes accidents but includes theft, and problems for car from natural calamities for example earthquake, explosion, fire, flood, hurricane, landslide, lightning, falling objects etc.


Medical - also known as Accidental injury Protection (PIP), this covers medical treatment of injuries for the occupants with the insurance holder's car before any sort of accident. It could possibly extend to include medical or hospital bills, lost income plus some other clauses which may vary.


Property Damage Liability - provides cover against damage with the covered person to third party property. A policy for property damage is mostly defined.


Uninsured motorists' coverage - this covers treatment costs for your insurance policies holder from injuries sustained through accident or collision by having an uninsured driver or vehicle. And not all state insurance rules specify or require that drivers need to have insurance to hide all these risks, they recommend minimum liability protection for bodily or personal injury protection and property damage.


Elements which might be included as add-on risks depending on need or request from people are:


� Auto replacement

� Rental-car coverage

� Towing coverage

=Geico Claims=



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