To give a general answer to this issue is not possible,
because there are none, the best car insurance that fits for every driver /
vehicle and each is optimal.
In recent years, the insurance terms and conditions of car
insurance becoming more extensive and complicated, so the only an accomplished
lawyer for this matter really hinted. We want to give you tips on this page to
choose the right auto insurance for your own individual case, by which may save
money or get you better coverage.
Preface:
We want to put us close to you to decide on the car
insurance premiums are not limited to the amount - the premium is certainly an
important factor, but not the most important. Vote in the full package of
hedging, and those who save at the wrong end of pay, often twice.
Who wants to buy a new car EU should definitely compare
individual insurance, there are often applied here different methods for
calculating premiums.
Our topics:
Liability insurance
In the car insurance is mandatory liability insurance law.
The premium amount is determined using the so-called type classes in
conjunction with the personal claims bonus...
Comprehensive insurance
When car insurance is a third-party insurance on voluntary
basis. The premium amount is determined using the so-called type classes....
Full insurance
In the car insurance is comprehensive insurance on a
voluntary basis. The premium amount is determined using the so-called type
classes in conjunction with the personal claims bonus...
Claims categories
Is calculated as the insurance premium for the automobile
liability actually...
Period of notice
Of termination is in the car insurance it contain different
variants that have different deadlines...
Basics of Auto Insurance
The term car insurance policy covers all forms of insurance
around the car. These include automobile liability insurance, comprehensive
insurance (full insurance and partial cover), the letter of protection,
transport and insurance law, the Personal Accident Insurance.
The automobile liability insurance is generally required by
law. It pays for all damages caused by a motor vehicle (car) to other persons
or property. In case of damage, the injured party has the opportunity to make
their claims directly against the insurer directly enforceable.
The insurance covered damage to the vehicle. A distinction
is made between fully comprehensive and partial cover; When the vehicle is
insured with third party insurance against damage caused by fire, a storm,
explosion, theft and similar. In the comprehensive insurance, the car is
insured in all these areas and in addition at a total loss.
The car-letter protection insures a vehicle against
breakdowns or accidents. One such category covers the costs of breakdown and
accident assistance, salvage, towing, rental car use (at a distance from home
50 miles) and so on. Distinguish letters of protection offered by car clubs
from those offered by insurance companies. Car clubs generally insure only the
owner of a car, insurance, however, assure the proper vehicle.
The traffic-legal expenses insurance takes over in case of motor
vehicle litigation, the attorneys 'fees, fees for experts' fees, court costs,
where appropriate, the costs of the opponent and so on. It helps with the
general enforcement of damage claims and supports the policy holder as owner,
driver and passenger of a motor vehicle, as well as pedestrians.
The Personal Accident insurance provides additional
protection for the occupants of a vehicle. It is purely a sum insured. In case
of accidents, which are directly related to the control and use of the car is
paid regardless of fault, the contractually agreed sum insured. This can either
be insured under the so-called flat-rate system or by the court system. In the
flat-rate system places all of the cars included in the insurance. In the user
system are only insured the places that were previously included in the
contract, for example, only the courts of the driver and the passenger.
