Type of car insurance that is offered to the community service providers will certainly guarantee a variety of needs repair or replacement of the damage that occurred during use of the vehicle. However, for reimbursement or payment of the policy you get up, you need to understand the different types of specialized insurance and how to claim his car.
This type of insurance
Until now there are two types of car insurance that is used by the people, namely:
- Comprehensive insurance
This type of insurance that one generally charge a premium high enough value to the consumers with a guarantee indemnity in whole or part when the vehicle owned was involved in a traffic accident, suffered a fire, theft, or other accidental events.
- Total lost only
This type of insurance that this one focuses on the replacement will only be done when the car is concerned consumers suffered over 75% due to natural disasters or other problems. If damage occurs below 75%, then the insurer will not pay for losses and charged to the owner of the car.
In its implementation, the two types of this insurance provides coverage expansion that can support the process of policy claims. Only, extensions were added need to be adapted to the environmental conditions. For example, you are a car owner who live in areas prone to flooding and conflict, it is to be profitable, you need to take the extension that covers damage to the car in case of floods and unrest, so that when a claim, compensation earned in accordance with the value of the premium you pay.
Another thing you need to consider when you choose the type of car insurance is to choose a provider. In this case, you can choose a provider from various aspects such as:
- The value of premiums to be paid in accordance with the selected type of insurance,
- Advantages and disadvantages of types of insurance offered services provider when seen from the features and how to claim,
- Total consumer owned by the service provider, because it indirectly as many consumers who use the services, then it means the insurance company in question has a good financial management,
- Total features of the stakeholders and their qualified support in accordance with the value of the premiums offered.
By the time you want to choose the types of insurance available for the car, you need to consider the value of the premium you have to pay, where its magnitude will depend on several things such as:
- Car Values
You need to know that the value of the car you have, the first thing that affects the amount of premium to be paid. Generally, the higher the value of the car, the total premiums to be paid per month is also more expensive. Especially when your car insurance is the antique cars, the premium price can be higher according to the price of equipment or auto parts.
- Year car
The second thing that relates to the type of car insurance in terms of premium value is in the car. In this case the older the age of the car is generally the value of the premiums paid higher or tailored to the needs of consumers.
- Type plate
Another thing to consider is the type of car plates, where the value of the premiums paid adapted to the local level as total authorized repair shop in the city concerned. Hopefully with a variety of discussion provided above, you can choose the type of car insurance as needed.