Get $$$CHEAPEST$$$ auto insurance here! http://www.usa-prc.com Get the best value-for-money auto insurance by shopping around Wed, 30 Apr 2008 15:11:31 +0000 http://wordpress.org/?v=2.3.3 en What does your policy cover? http://www.usa-prc.com/what-does-your-policy-cover.html http://www.usa-prc.com/what-does-your-policy-cover.html#comments Wed, 30 Apr 2008 15:06:40 +0000 admin http://www.usa-prc.com/what-does-your-policy-cover.html The whole point of any auto insurance policy is to protect you against third party liability. Let’s say you get into an accident. Other cars are damaged and people are injured. If you are lucky, the damage to the cars is slight, and the parts are easily and cheaply available. The people’s injuries are also minor and they recover quickly. So, if everyone sues you and you lose the case, even a minimum policy will probably cover you against all the damages you have to pay out.

But let’s say you are unlucky. The other car involved is a Ferrari driven by a merchant banker. For a mechanic to even breathe on the car costs you the basic minimum on your policy. The banker is laid off work for months so you face not only a claim for major medical bills, pain and suffering, but also a claim for lost earnings. Suddenly, your minimum does not look so good, and your home and any other assets you have are on the line.

When you buy a policy, make sure you are fully protected. It’s a false economy to drive a car with minimum third party liability.

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