Auto New Insurance New

If you have a new car, you need to hire a car insurance. However, when you're an inexperienced driver, apply certain techniques to get a good auto insurance.

For starters there are two types of car insurance:

Risk coverage for third parties. Insurers help you in matters of fire and theft, which requires an additional premium. Protects in the following situations:

1) Natural disasters. Include fires, floods, hurricanes, landslides, cyclones and earthquakes. The man-made calamities are theft, riots, strikes, railway, waterway, or air.

2) personal accident coverage. You can also opt for liability coverage for third parties (covering legal commitments as a result of permanent injury)

According to the auto insurer may apply the following discount rates:

First year - Second year 20% - 35% Third year - 50% Fourth year onwards - 65%

This insurance does not cover the following circumstances:

Damage resulting from a riot, or nuclear risk and the consequent depreciation guerraLa pérdidaFallas mechanical and / or eléctricasDesgaste tubosEl tires and car is not used for the purposes for which it was compradoDaños occurring from driving without a license that occur válidaDaños alcohol poisoning or daily drogasDesgaste

If you have an accident, how your insurance claim? You need the following documents to present to the insurer:

Your insurance policy Autoscope conducirFIR more card in the event of an accident with injuries to third parties or claims dañosFormato plus the cost of repairs workshop

Once you submit these documents, the insurer inspects the damaged car and authenticates the estimated cost of repairs. The inspector then completes auntenticación and the car can be repaired. It presents the latest bill for repairs and stamped as received in the workshop of the insurer for the settlement of the claim. After an insurance inspector certifies the car repaired.