Presented by Daniel Toriola
If you have an insurance policy, you understand that there are important steps that need to be taken in
insurance claims. Even if you have never filed a claim, some day you will. You need to bargain from a position
of strength, not weakness.
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Car Insurance Explained
By David Thomson
Car insurance is a regular financial outlay for the majority of us – and a legal requirement if you are
driving a vehicle on the roads. Yet many of us still do not know enough about the product.
When shopping around, or indeed buying car insurance for the first time, it is necessary to know what
kind of policy you require. This particular issue centres around what you are driving and for what
reason.
The basic product is standard Third Party insurance. This covers a few eventualities that may occur
when you are out on the road. Situations that you can insure against with this product include injuries
to other people. If you damage other people’s property with your vehicle, the insurance will cover a
portion of the costs
This type of policy may be useful for motorists whose cars that are a little on the older side, where the
cost of replacing them if damage occurs isn’t too much. But if you have a newer car, other policies
may be more fitting.
You could consider taking out Third Party Fire and Theft insurance. Just like the name suggests, this
covers everything that Third Party insurance does, but also covers you in the event of a fire or theft of
the vehicle.
Again, this is good as a policy for those owners whose cars do not cost a lot. It is not the most
expensive product, so might be suited to younger drivers who find the cost of a more sophisticated
insurance product prohibitive.
If you want the most complex