General car insurance can be described as insurance policy which covers the car as a complete entity – that is, both the car and its occupants. It also covers other people (third parties) who may not be occupants in the car, but who may suffer injury, or whose property may be damaged, in any sort of a mishap involving the insured car. We now venture to answer some frequently asked questions about general car insurance. These are, in other words, the things that (generally speaking), a person conducting a search on ‘general car insurance’ is likely to be interested in knowing.
Is general car insurance mandatory?
In most places, the only mandatory car insurance coverage is that which caters for ‘others’ who may suffer bodily injury or whose properties may be damaged in case of some sort of a mishap involving the insured car. That is referred to as third party coverage. Beyond that, in most places, the car owners get a leeway in making decisions on extra levels of coverage that they need. A person may, for instance, decide that beyond the minimum coverage required by the law, he or she will go ahead to buy coverage for the car, to get benefits in case the car gets damaged in an accident. This can be extended, to include coverage against theft, fire and other disasters. It is also generally considered wise to have coverage against bodily injury (for the driver and other occupants in the car), even in jurisdictions where this is not mandatory – that is, even in jurisdictions where only third party coverage is mandatory.
Where can general car insurance be bought?
There are insurers who specialize in the provision of general car insurance policies. You just need to identify one such insurer, and proceed to buy a policy from them. Many of the car insurance providers nowadays have web-based portals, where you can get quotes from them –and even proceed to buy policies (by paying the required premiums) online.
How much doe general car insurance cost?
The cost of general car insurance varies considerably: to such an extent that we can’t give a figure. What we can say is that the cost depends on things like the exact level of coverage preferred by the car owner, the car owners’ driving record, the car owner’s demographic/personal details and the pricing structure of the insurance company involved. Thus, a person who has a bad driving record will, for instance, tend to end up spending more on general car insurance than a person with a clean driving record. Similarly, we have people who are in demographic groups that are generally considered to be made up of good drivers (for instance on account of age or gender). Those may be sold car insurance at a cost that is lower than that which is available to folks who are considered to be risky drivers on account of their personal details like age and gender. All in all, general car insurance doesn’t cost too much – and buying it is a better bet than having to deal directly with the costs/liabilities in case of a mishap.