Comprehensive car insurance in America
What is Comprehensive car insurance in America? The biggest advantage of comprehensive car insurance is the peace of mind that a person gains when obtaining an insurance policy from a reputable company.
Comprehensive car insurance in America
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You can save on the value of your car insurance because there are competitive prices from multiple companies.
Assistance in inspection and issuance procedures to obtain the policy as soon as possible (within the same day).
Additional customer service through Safety for all to assist in the use of the policy.
The difference between comprehensive insurance and compulsory car insurance
Before entering into the details of car insurance coverage in America, we must clarify the difference between it and the compulsory insurance that we obtain in traffic during the car license, and the difference is that compulsory car insurance:
It is used to cover the death or disability of any person due to a car accident.
Coverage of losses to the property of others, up to a maximum of three thousand dollars, except for vehicle damage.
Collision or overturning of the car due to an accident.
Fire, lightning, external explosion, or self-ignition.
The intentional act of another.
During transportation or lifting and lowering.
How to calculate the price of car insurance in America?
Car insurance in America prices vary from one company to another, and it is also possible that in the same insurance company there will be more than one program with different features to meet the different needs of customers. And the value of the annual insurance subscription is calculated as a percentage of the market price of the car if it is used or the purchase price if the car is new.
The principle of relativity
It is the possibility of insuring part of the total value of the car, and in return, compensation is proportional in the event of a claim. Example: Insurance on the value of the remaining amount in favor of the bank in the case of buying the car in installments.
So that the insurance covers the value of the bank loan from the total value of the car, and in the event of a claim for compensation, it will be at a rate equal to what the insured value represents (the loan value) from the total market price of the car).
Key points of comparison between auto insurance programs in America
These points remain important for you to know and at the time of purchasing the policy, in order to maintain a fair comparison between the different programs, not only based on the price, but also on the set of benefits that you get from the policy.
How to issue a car insurance policy?
After settling on the appropriate car insurance in America policy and determining the price, an appointment will be arranged to inspect the car if it is used by a representative from the insurance company. In the technical examination, the condition of the car will be confirmed, and if there are existing damages, it will be excluded from coverage.
But if Arabia Zero, some companies do the inspection, and others accept the answer of the exhibition to issue the policy without inspection, and after completing this stage, payment is made and the policy is received immediately or delivered to the customer for delivery to someone who has it.