A month later, I’m running out of car insurance.
Last year, I, as always, did not rush to extend the insurance
in advance, but reached the last days and there was no time to think and search for
another option. I had to extend the option of
insurance that I had, although it did not suit me very much.
Everyone knows that it is necessary to have insurance for a car, but
not everyone knows and understands what it is.
All of us, as law-abiding people, arrange insurance for cars
and do not delve into all the details of this process in detail.
And if nothing happens to us, we don’t bother too much.
think about it. But when this misfortune happens – we have
an accident, and we have various problems that
have to be solved with the help of a lawyer, it turns out that many of these
problems could not have happened, otherwise we issued this insurance. It is then that
you begin to think and try to understand everything that is connected with it.
But popular wisdom says that smart people learn from other people’s experience, and everyone
else from their mistakes, repeating them several times.
Deciding not to repeat my experience last year – not to prolong my uncomfortable
insurance, I turned to one of the Russian-
speaking insurance agents from the insurance company “FARMERS INSURANCE GROUP” Svetlana, with whom I
met during the Russian Festival in the Mission “San Juan Capistrano”.
I found her business card and phoned.
I was not stopped by the fact that she was in San Diego, and I live in Los
Angeles. She was very friendly towards my call,
although for 2 months she could not remember our meeting at the festival.
After the telephone conversation, I realized that fate had brought me to a
highly professional, responsible person, and
I would, of course, be in charge of my insurance. When I said that I would like to
arrange insurance for her, she offered to meet and
came to Los Angeles for that . As a result of our meeting and my conversation with her
This article has appeared, which I hope will be interesting for many.
The first question I asked Svetlana was the most curious for everyone
. What the cost of insuring a car depends on,
and why it, even for the same person, is different.
SVETLANA – The cost of car insurance depends
on the following factors:
1 – the make and year of production of your car. (the newer the car – the
more expensive it is, the higher the cost of insurance)
2 – your driving experience, in other words, your driving experience.
3 – The presence on your driver’s record of accidents and violations.
4 – Place of your residence.
Please comment on each of these points.
1 – The more expensive your car, the more expensive the expenses of the Insurance
Company will be in case of your accident.
2 – The more your driving experience, the more experienced a driver
you are and the less chance you will have an accident, because of
your fault, and the Insurance Company will pay the costs to the injured
3 – The Traffic Police who arrived at the scene of the accident draws up a report, the
data of which are entered into the police computer network, where
all your driving history is recorded in this way. Same way
make all fines for driving violations, both for speeding
, and in various other circumstances, and very important in
this, detention for driving while intoxicated.
The conclusion is simple – The more violations you have on the Driver Record,
the more expensive your insurance will be.
4 – If you live in a densely populated part of the city, where there is always heavy
traffic, many intersections, pedestrians, etc., then
following the statistics, you are more likely to get into an accident than a resident of
small, not densely populated cities.
Your place of residence is determined by the ZIP code of your postal address.
My next question to Svetlana was about the type of insurance that is compulsory
for all drivers in the US by law.
This insurance, obligatory for all drivers, is called LIABILITY,
or as all Russian-speaking “ONE-SIDED”
Svetlana call it – It is not by chance that this type of insurance is called “ONE-SIDED”.
It covers only one side involved in the accident, the one that is not
guilty of what happened. It is used only when an
accident has occurred due to your fault, as a result of which damage has been caused to someone else’s car, the
driver and his passengers.
In this case, from your insurance is paid to the injured party:
– Compensation for damages received, both moral and physical;
– For medical care for their treatment;
– Compensation for loss of salary at the time of treatment;
And in any situation you will be well protected, if your insurance
will have a high enough coverage.
It does not depend on what kind of car you have, but on the fact that around us every
year the district becomes more and more expensive cars.
INFORMATION TO THOUGHT –
(Out of 100 cars sold in 2002, only 9 cars were cheaper than 15 thousand dollars, and you yourself know about the cost of medical care.)
That is why you need high coverage of this insurance, and in this case,
your insurance should be, in the full sense of the word, COMPLETE,
otherwise you will have significant financial problems.
Compensation for significant damage to the injured party, in all cases
is resolved through the courts.
And if your insurance does not have high enough coverage,
you can lose your property – a house if
you have one – on a lawsuit . The cost of the house will go to pay for your damage.
Whatever the words “high coverage” would scare you, I will explain that the difference in the
cost of insurance in this case is about
$ 100 more per year.
WHAT SAME THEN REPRESENTS ANOTHER OPTION OF INSURANCE AS WE
I HEARD, AS IT, JOKE, CALLING “THE FULL COVERAGE OF THEMSELVES”.
Svetlana – This type of INSURANCE is very IMPORTANT, although many do not understand this
and reject it. And in vain, and so many examples.
You said that they call it “Full Cover Yourself.”
Yes, it’s true. This type of insurance covers all expenses and in all
cases that can happen to you, and in all situations that
you can get into when there is no RESPONDER.
1st – In the case when the other driver has no insurance at all,
or its insurance is completely insignificant and cannot cover your expenses
and damages caused to you.
FOR REFLECTION (CALIFORNIA FOR STATISTICS 26% OF DRIVERS RIDE WITHOUT INSURANCE).
2nd – If another driver left the scene of the incident is not recognizable, in
other words, you do not have his data, you and your companions could not, did not
even have time to write down his car number.
INFORMATION FOR REFLECTION:
IN THE USA BY STATISTICS, 14% OF THE GUILTY DRIVERS IN
THE ACCIDENT RED FROM THE PLACE OF INCIDENT.
IN MY QUALITY YOU COUNCIL IN SUCH SITUATION, IF YOU ARE IN THE CONDITION
RECORD DATA, ANY WRONG WITNESS WITNESSES OF THIS
ACCIDENT , WHICH WERE SEEN AS AN ACCIDENT HAPPENED OR AT LEAST – THAT ANY OTHER MACHINE
3rd – Damage to your car or your property, in any
To repair your car in this type of insurance, a very important
factor, the so-called “DEDUCTIBLE” , is determined . This is the amount of $ 500 or
$ 1,000 , which you pay for when repairing the car yourself, and the rest is
paid by the insurance company. If you have minor damage and the
cost of repairing $ 800, then you pay the first $ 500 yourself,
and the insurance company only pays $ 300 in this situation. If
when you made out, the insurance determined the amount of $ 1,000, then in this
situation with the repair, you yourself pay all $ 800, but then your
insurance will be about $ 100 less per year when you make it. The
smaller the amount you select (DEDUCTIBLE), the more expensive your insurance will be.
4th – Hijacked, burned-down car, damage to the machine during
natural disasters, as well as in cases of collisions with animals.
5th – In the case when you were hit by a car as a pedestrian.
6-о.- Payment of the rent of the car for you, at the time when your car
after the accident is under repair.
INFORMATION TO THOUGHT
If you make out a car insurance in the “FARMERS INSURANCE GROUP”,
then you get the money on the rent of the car in any case, even if
for some reason, you do not take the car in rent.
7th. – Payment of transportation (TOWING) of your car from the scene of the accident.
From myself I will add that it is possible to issue an insurance of the car by phone and the Internet.
For the signature by fax send the form, sign it and send it to the agent.
And the company already sends the insurance documents themselves by mail.
Easy and simple and no problems.
At the end of my story I want to say that the insurance that
SVETLANA issued for me completely satisfied me with the cost and conditions
payment Of course, I will very much hope that, like past years, I
will not have to use it. But knowing that you have reliable insurance,
you feel more confident behind the wheel. And this is very important.
He spat over his shoulder and tapped the tree.
And I wish you that !!