Getting a new car for the first time is quite a joy for a young driver but you should know that with driving, comes responsibility. If you are a young and new driver then you should know that driving without insurance is a bookable offence and you can be upheld by authorities and your license may get suspended due to that.
Let’s get you through the starting phases of insurance terms and let you know what your motor car insurance cover and what it doesn’t.
Things motor insurance covers:
If you are someone who is getting first time auto insurance then you should know your requirements and know which coverage you’ll be getting from your desired insurance. If you don’t know about the coverage and pick up the wrong one then it can be costly in the event of an accident and you may lose a big chunk of your money in damages and repairs.
Your auto insurance should cover:
Coverage for damaged caused by natural calamities
If your car gets damaged due to natural calamities like a tornado, flood, earthquake, damage caused by lightning, etc. is covered in this coverage, and the company will pay for your damage and repairing cost. These events are out of your control and you will be covered by your insurance company in this.
Coverage for damaged caused man-made calamities
Burglary, theft, riots, strike, terrorist activities, fire, etc. are considered as man-made calamities and the damage caused by human beings. It can be too costly as it can damage your car permanently and you may have to replace it and that is where the insurance companies can play a huge part.
Personal accident coverage
In the event of permanent disability or in the unfortunate event of your death, your family won’t have to suffer as the companies will cover your family in case something happens to you during driving and this will coverage will benefit your family.
Third-party legal coverage
If something happens to a passenger riding with you in the event of an accident then the insurance company will cover you through this insurance and it is mandatory insurance as you need to have this insurance cover compulsory.
Things that are Not Covered by Auto Insurance:
If you are first time car insurance buyer then take note of these events that will not be covered by your insurance plans. Your insurance company is there to protect you but they are not tied to protect your negligence.
Things that are not covered in Auto Insurance are:
Driving under the influence of drugs and alcohol:
If you are driving under the influence of drugs or driving your vehicle intoxicated then the insurance company will not cover you and will reject any claim after the accident. They are not obliged to cover you in this event. So, be sensible and don’t drink and drive.
Damaged caused deliberately
If you cause damage to other cars deliberately and damage your car in the process then you will not be covered by your insurance company. You will be punished and your claim will be rejected without any delay.
The damage happened while someone without insurance drove your car
In this event, you will not be covered and the person without the insurance will be the culprit for damaging your car. The insurance company is not indulged to cover you and will check every detail before taking any decision.
It is absolutely essential to know what you want and to get cheap car insurance for first time drivers. If you have any questions or queries, just contact us at Alias Insurance as we will help you to fulfil all your requirements and will solve all your queries without any hassle.
