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A Few Queries Related to Car Insurance

Is there any need for Collision and comprehensive coverage on the car?

These two are not required in all states. There is a need to buy this coverage in case your car is too old and the market value of the same is too low. So, it is worth in that case. If your car is damaged, then you should determine how much you can afford to spend from your budget. The cost of coverage matters a lot and choosing whether it is in your favor to buy this coverage. In the event of an accident, you can pay for the damages with the Collision coverage. This coverage applies and does not matter who did the mistake. To exemplify, the rear of your car ended while driving in traffic with various stoppages, so the collision coverage can help you out there. Vice-versa, if you did the mistake and hit someone which leads to an accident and the repair is required, so Collision insurance can pay for the same.

In the case of a non-collision accident, the favour will be done by Comprehensive insurance to pay for the car damages. It covers all the damages related to natural disasters, vandalism and theft. For example, some branches of the tree takedown in your yard due to heavy wind and one falls on the car which leads to dent the roof. Such type of damage will be covered by the comprehensive insurance to repair the roof of the car.

What if someone borrows my car, insurance must be needed?

It is must to have car insurance if someone buys your car. The cheap car insurance for college students follows the car that it is covering. When you lend your car and your friend is driving the car, then most of the claims could be covered by the insurance company. Here are some of the examples of implementation of car insurance when another driver is driving your car. Let’s begin.

  • You lend your car to your friend for some vital chore and it is needed by him. So, when he driving the car for the errand, then it hits another car and in this case, collision accident covers up the cost associated with the damage of the car. There is a need to file the claim for accident with the cheap car insurance for college students and pay for the deductions. However, the rates may increase.
  • You may also responsible for the injury and any kind of damage done to another driver. In some cases, the insurance of your friend may come under to wrap the excessive damages that the policy can’t cover.
  • If your friend doesn’t have insurance, then you are solely responsible for all the damages and if your friend is not at fault, then another driver will pay for all the damages.
  • It is important to make sure that you exclude the individuals from a car insurance policy. It refers to the conditions of the insurance companies that sometimes do not offer protection to another person who is driving your car.
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