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Do insurance companies report accidents to dmv california Form: What You Should Know
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Hey let's talk car insurance part 1 what is car insurance well I'll tell you car insurance protects you from a huge financial loss basically you pay a premium monthly usually to your insurance company and in exchange if you get into a wreck the insurance company will help you cover your losses car insurance includes three different types of coverage number one property which will pay if your car is stolen or damaged two liability which pays for legal obligations to others for bodily injury or property damage and number three medical which pays for hospital bills rehabilitation and sometimes lost wages or funeral expenses part two money matters so how much coverage should you get well that depends on different things such as your car's value whether you own the car outright and how much in damages you could afford to cover out-of-pocket on your own naturally your monthly premium will vary depending on your amount of coverage like for instance it costs more to insure the ecto mobile than it does to say cover mr. Bean's little mustard yellow car that's the way of the world kid and don't you forget it very important note just because you pay premiums that doesn't mean you'll pay nothing when you get into a wreck most likely you'll have something called a deductible the deductible is the amount of money that you have to pay before your insurance starts kicking in so let's say you total your $5,000 car in a wreck and your deductible is $1,000 that means that you are going to pay the first thousand dollars to get your car replaced and your insurance will pay the remaining four thousand in the good old US of A nearly all states require that you have car insurance if...