CAR INSURANCE GUIDE

A car insurance is a contract with an insurance company are covered by which the risks created by driving a car in case of accidents.
All owners of vehicles, whether cars or bikes are required to have insurance car , even in its basic form.

Car insurance schemes:

• Compulsory insurance (SOA): covers the liability of the driver of the car in front of others, but not personal or material damage to the driver or the car gets them. In some cases, the compensation for the third party or impaired capital exceeds the limits for compulsory motor insurance . In this case, the driver responsible is he who, with their heritage, must cope with the excess of compensation awarded.
•  Voluntary Insurance : insurance is liability coverage that extends compulsory insurance indemnity. Therefore serves to cover the damages that exceed the limit of liability compulsory subscription.
• Third Party Insurance: Insurance is a scalable, which includes compulsory insurance, the volunteer, as well as travel assistance, legal and safe driver .
• Full insurance, is insurance that, besides covering damage to third parties in case of accident, also covers own damage.Depending on the company, this type of insurance includes supplements such as mechanical assistance, coverage for loss of points, etc.. (This insurance does not apply to motorcycles).

Supplementary insurance:All insurance, especially the compulsory and voluntary, can be extended with certain supplements that although they increase the price of insurance, drivers also cover certain situations not so rare.
Some of the accessories with which insurance can be extended are:

• Theft: Coverage against vehicle theft or theft of any object inside. Excluded in the theft: Theft by negligence of the insured (leave the keys), subtraction of accomplices of the family of the insured to the third degree of consanguinity or employees of them.
• Fire: coverage against damage to the vehicle in case of loss of fire as long as no fault of a third.
• Moons: coverage in case of breakage of the moons of the car. The insurance takes care of the replacement value of the new moon and labor costs.

What role do you set the price premium?
The price of the premium, ie the price of insurance is established based on several factors such as sex, age, marital status, driving record The place where the vehicle is garaged, brand and model of car, miles are made ​​each year, and so on.
The premiums vary and are updated based on data statistics of accidents, the cost of severance injuries, health care, expenditure on repair labor, parts to replace and everything that might influence the risk.
 Given these statistics, usually younger must cope with a larger share than those who have more years behind meat (young people are statistically more reckless driving).
On the other hand, women tend to enjoy lower prices than men, because they are considered drivers with a good record.

When you choose an insurance ...
is essential to ensure the type of compensation you receive in the event of total loss . That is, there is to see whether compensation should take account of the value to new (ie, replacement) or if it's because the market value (the value of a car of the same features in the market for used).
You can that if the car is new, insurance pay more interest but to enjoy a new compensation value, not market value.

Please note ...

•  Insurance is not responsible for those accessories that do not come from the factory, if they are not included in the general conditions of the policy.
• The special crystals and moon on the roof of a vehicle usually not, a priori, included in the policies. We will have to notify the company if they want to insure.
• Before signing please read this entire policy carefully and understand it.
• It is essential to carry the policy along with other vehicle documents.

source: segurosmagazine

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Many Insurance Ask Black Boxes in Vehicles

What would be the black boxes for cars is available on the market under the brand name Car Angel and has to sell the company Naical , specializing in electronic products for automotive, home and leisure.

The idea is basically the same as in aircraft black boxes , record all the information possible in the moments before an accident, so it can be used later in the clarification of the facts .

So far there are few cars that include such innovations, mainly because their usefulness is relative, because there is no approval in this regard and its validity as a test case to reach trial depends on each case and each judge.

Technically there have been some experimental models of cars keeping basic data such as speed and position of the pedals on a small card inserted into the mats, which also happens to be more resistant to damage from an accident themselves.

The Angel Car BBX1 or BBX2 , which is the name of the model is actually more like a GPS with VGA-quality video camera and some extra features.

Including systems to store the position coordinates on the map and the routes taken (consistent with Google Maps ) and also includes features of tachograph to know when you've been driving or relaxing - something important among professional drivers.

All data is password protected to ensure privacy of the owner but the device can be used to check if drivers follow the traffic rules

Installation is simple because it is in the top of the windshield in the position of the rear-view mirror.

In terms of its operation, besides going storing basic data about traffic route, position and speed, the camera is activated when it detects a sudden movement in the vehicle such as a slowdown or a crash, thanks to a built-in accelerometer .

The data is in a high-capacity internal memory, which allows you to save long periods of time, and also copied to an SD memory card standard for safety.

Apart from some private drivers want to install this device in their vehicle, are the biggest advantages for companies that manage fleets and drivers on those who may have responsibility: Car rental companies, fleets of taxis, trucks, buses, logistics ...

The data collected by the device can be used in case of problems as further evidence to determine what happened in case of accidents, although most also have other uses such as optimizing daily routes or check the skill of drivers and enforcement of standards circulation.

Source: RTVE .



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All Risks of Car Insurance

When securing a car , we must know what kind of insurance we want , whether all risks or third parties.

The variable that we will determine what insurance is going to come are best years with the car. new car, the best option is to hire a full insurance (with or without excess) so that we do not have the misfortune to stay without a car, and owing money, in case of serious accident and totaled.

For the case in which the car is over 5 years, it is advisable to choose a third party insurance, because in case of serious accident and the car becomes unusable, the insurance company could refuse to pay for the repair, since it would higher than if we bought a car of the same features at the same time.

However, all risk insurance are much more advantageous than others , but really out considerably more expensive.

Insurance coverage against all risks

In case of accident, all risks insurance paid for the repair of the self-insured. They can also compensate the companions you could carry with you at the time of the accident.

Another aspect is that this insurance covers counseling and legal defense to lawsuits whatever reason.

Hiring a full insurance can be a relief for the driver, then know that you are well insured against any unforeseen is always a burden you lifted.

These insurance policies can carry a franchise associated . This means that in case of repair, you must pay a stipulated amount of money. For example, if you have a deductible of $ 300 car repair and up to 1000 euros, you will be those who pay 300 euros to the garage and the insurance will pay the remaining $ 700.

Prices of all-risk insurance

Logically, all risk insurance are higher than the third-party insurance. The most expensive are those in which the driver is novel and the car is new (well, the better the car, the more expensive insurance).

This is because the insurance company may end up spending a lot of money in case of accident where the car left in a total loss, hence the fees so high that you'll pay.

It is also true that if you're a good driver and do not pass shares to the company, year after year you can take advantage of discounts that will lower the price of insurance enough .

Another option is to opt for a comprehensive insurance with excess. This franchise may be the amount you think appropriate, but usually accompanied by a minimum of 200 euros up to 1000. It all depends on the insurance company with which you can negotiate.

So, if you want to feel protected when driving, hiring a full insurance may be the best solution for you and your companions. Above all, be cautious on the road because they are too expensive for this type of insurance, it is best never to use them.


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For young, Hiring a car insurance

If you are between 18 and 25 years of age are classified as "young person" for insurers , which will cause the price of car insurance you want to hire is considerably increased.

People novice and inexperienced in the handling of a car have the disadvantage that the insurance to cover damage to their cars have financial penalties due to the higher accident rate for this group of drivers.

We are talking in many cases the price of such insurance may be twice that in the case of insurance to older people. This is undoubtedly an impediment to young people who have just removed the driver's license.

How to recruit the best insurance?

Fortunately, the Internet can find many pages aim is to compare and find the best insurance that suits your needs . These sites crawl the web looking for such insurance, and they offer all the necessary information, as well as budgeting.

Ideally compare in these pages, and also vary the type of insurance that interests you. For example, once you have entered your data, you can begin to know how much it would cost a full insurance, then watch the price of a third party insurance with some extra, ending with the basics. In this way, meet all budgets from all insurance companies in a short time, while also know what insurance will cover in question. Without doubt, an insurance policy online is one of the best ways to do it.

New car or second hand car?

Only you know what your economic status, so the decision is in your hand. Of course, if you're a young person who has just released a driver's license and buy a new car and powerful, full insurance (which is what you might be interested) would be very high. This is because they put in the worst case to insurers, and that has to pay.

But if you're starting to drive and for this you have purchased a second hand car and looking for a third party insurance, the price of car insurance will be much lower than in the previous case.

So, given the economic circumstances that we're playing live, young people with an average economic level should start to drive a second hand car (logical spend money) to hire a third party insurance so we can deal with payments comfortably. Over time, and if you do not pass any part of the company , you can buy a new car and put all risks (which is what matters when buying new cars), and with your history and your experience positive you can purchase insurance for young people much more economical.

Anyway, as mentioned, only you know how you can stand spending level in the form of insurance . From here the best advice I can give is to not move and look all the information you can about this topic. Do not cling to a single offer, because if you are a restless person, you can find some type of insurance you do well and you can save lots of money every year.


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