Most motorists have only a hazy familiarity with automobile insurance. They seldom see the fine print. You’ll find nothing mysterious about auto insurance – learn more. It is Protection. Basically, there are 2 kinds.

Automobile Insurance protects you against claims of others arising out from the ownership, maintenance or usage of your automobile. Physical Damage Insurance protects from loss or injury to your own automobile. One of them type of insurance are Collision, Comprehensive, Fire and Theft coverages.

Car insurance policies varied from business to business. The insurance buyer never knew what to expect. He thought he’d the insurance he needed-until he’d an accident. Then a fine print was magnified.

The insurance policy companies got together and agreed that automobile policies should contain standard provisions. The American Mutual Alliance (mutual companies), The National Bureau of Casualty and Surety Underwriters (stock companies), the Aba and the National Association of Insurance Commissioners exercised a standard automobile policy. While companies don’t need to use the standard policy, most of them do, with the exception of Texas and Massachusetts. A kind of the standard policy is roofed here. Check it against yours to ensure that you have a standard provisions policy.

The insurance policy section in this post deals with the typical provisions policy for a private passenger automobile. Don’t own or drive a car without insurance. Don’t touch one of the wheels or drive one inch without it.

Don’t say you can’t afford it. One accident, only one, could ruin you financially-could set you back more than you’ll pay for insurance in a hundred years.

Present-day juries make whopping big verdicts. They assume every defendant is insured. When you have no insurance, you can’t make it recognized to the jury. They will assume you are covered. Should a verdict be introduced against you, you can lose all you own. You may be forced out of business or have your wages garnisheed.

Are you compelled to transport liability insurance? Technically, the answer is no. In theory, you are entitled to one accident, equally as you often hear that all dog is eligible to one bite.
Perhaps some motorists carry no insurance because they believe they can avoid accidents by careful driving. Used, only the foolhardy go not insured.

Spring kind of came and went and came back again this year. It got warm, the forsythia started to bloom, and then it got frigid again and snowed. I think the plants and the people were confused. When it got warm, we had thunderstorms in February with high winds. I was standing by the big window in the kitchen watching the wind and the rain when I saw things flying through the air. I did not know what they were until I went outside to take a look. Well, I had to call for roofing installation in Queens NY as a big section of the shingles on our roof had blown off.

It looks like one section of roofing caught the wind and started to lift up. Then it was like dominoes falling after one shingle got knocked loose. Those wind gusts were awful though. The underlayment did not get damaged, and that prevented water from getting into the attic.Continue reading