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Car Insurance Is A Must

By Graham McKenzie

You can be the best driver, but never be totally safe in your car. Let?s face facts, sooner or later someone is going to hit your car, that?s why car insurance is mandatory when you?re driving your car.

Any damage that is caused to the individual and the vehicle is taken care of by the insurance company that provides the insurance. Depending upon the type of insurance we opt for, various clauses under which we can raise claims are specified. This will help us determine what kinds of damages are covered by our insurance. We have to pay a premium amount to the car insurance company for their service. Various considerations come into effect while working out the premium cost.

Indeed, there exist various premium amounts for men and women as it is a well known reality that men are more prone to accidents compared to women. Also the premium rate for teenagers is more as they are in a group that has a greater risk of an accident. In case the teenager has completed a defensive driving course then there are chances that premium might get reduced.

Car insurance has a thing called deductibles. A deductible is deposit of money, often a lump sum you?re responsible for, before insurance kicks in; a pre insurance, insurance policy admittedly. This is a common custom for any company, and the deductible also influences the amount of coverage you have available. Other coverage?s that occur include collision repair, and in the event a car is beyond repair, cash value coverage.

In case of an accident, it is quite possible that the individual as well as the car are badly hurt. Just by purchasing car insurance the person can make sure that he would at least not have to bear the damage done to the car and this gives a lot of relief to the person as it reduces his financial accountability during bad times as he just has to take care of himself. He can enjoy such relief only because he has taken a wise step of purchasing car insurance in the past.

World wide, insurance coverage has become so important that countries abroad fine or even jail those uninsured. It?s viewed as the safest cushioning blow to an economically hazardous situation.

Once car insurance is purchased, it gives mental relief to the car owner as it allows him to concentrate only on driving and this further reduces the chances of an accident.

Graham McKenzie is the content syndication coordinator for, a leading South African Car Insurance portal.

Article kindly provided by

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Article Citation
MLA Style Citation:
McKenzie, Graham "Car Insurance Is A Must." Car Insurance Is A Must. 3 Jul. 2010. 6 Nov 2014 <>.

APA Style Citation:
McKenzie, G (2010, July 3). Car Insurance Is A Must. Retrieved November 6, 2014, from

Chicago Style Citation:
McKenzie, Graham "Car Insurance Is A Must"

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