My SUV was a casualty of Hurricane Katrina. No, it did not end up in a crumpled heap on a watery street. It got stolen. I bought it three weeks before Katrina hit. I was not able to get the police report, although I did file a claim with my insurer. Now, technically, I had not put a single cent down on the purchase because I had not yet made my first payment for the car. But my insurer came to the rescue quite nicely. They told me how they will handle my claim, and then they made a payout to the lienholder. Will your insurer do the same for you?
It is fairly difficult and time consuming to compare all the details of each auto insurance quote against the other. Auto insurance can be somewhat complicated and you may find that you are not even comparing apples to apples. You need to first of all make a list of all the details of the plans you are getting quotes from. You need to write down the specific details of what is included in the quote you have received. This may be the most difficult part of the comparison.
What the amounts that the plan will cover? There are several different areas of coverage to consider when comparing one auto insurance quote to another. The first and probably the most important part of the coverage is the liability coverage. You must carry a specific amount of liability coverage in order to drive legally. Check to find out what it is for your area. Liability is something that you must pay to the other driver if the accident is your fault. This includes medical bills, damage to their car and damage to other property like light poles and fences. Write down the amounts each plan covers and compare the cost. If your insurance does not cover all the liability charges you will be personally liable for the extra amount.
The next part of the auto insurance quote to consider is the collision coverage. This is the amount that is payable to cover damages to your automobile. Keep in mind this is only if the accident is your fault. If it is not, the other person's liability insurance will cover your damages. If you have an older car that may not be worth the money to cover, you can eliminate this type of coverage from your quote.
You will need to have medical coverage that will cover those people who are in your vehicle including yourself if the accident is your fault. Be sure to compare the costs and coverage amounts on each auto insurance quote you get. Medical care is expensive so be sure that you have a reasonable amount of coverage.
The last type of coverage you want to compare is uninsured motorists insurance. Although a certain amount of auto insurance is required to legally drive, there are people who drive without it. If you are in an accident with such a person and the accident is their fault but they don't have financial assets you can go after you may need to rely on this part of your insurance to coverage your damages.
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