CAR RENTAL INSURANCE: IS IT NECESSARY?

In most countries, such as Chicago, driving with car insurance is mandatory. Often, car rental companies will take care of this detail. But sometimes there are also car rental companies that do not protect their vehicles with insurance. Some companies put the cost for insurance separately. It is best that you ask about this detail before rushing to the car rental office and take advantage of the car.

Most rental companies have a variety of vehicles to choose from. There are luxury vehicles, limousines, trucks, and sedans. For cars that have high demand, you may need to schedule ahead. This is especially true for the type of family vehicle. If you intend to use the car for a special occasion, try contacting the company a week before the event to ensure that the car you want is available and have been had the auto insurance.

This auto insurance for car rental is a need. Commonly, the car rental insurance will provide coverage of disasters (Earthquake, Tsunami, Flood, Typhoon, Windstrom), Riot, Strike & Malicious Damage, Civil Commotion, Terrorism & Sabotage, drivers personal car accident, and also passenger personal car accident. many clauses in car rental insurance including a clause garage outside partners, a clause coverage rates, clauses about destruction that occurred before the period of coverage, insured liability clause (warranty) on flood risk to motor vehicle, cancellation policy clause, clause embezzlement by the driver and or tenant, non-Standard Supplies clause.

Beside that, when a people rent a car, they should try to test all car rental companies near you and evaluate each one. Once you have found one with the best service, stick to them. Be their loyal customers, because by being a loyal customer to them, usually you will get special prices and discounts as an expression of gratitude to your company.

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OLD CAR: CAR INSURANCE or CAR DONATION?

When buying a new car, we can easily get the car insurance. But, for the old car that we have been owning, we will get difficulty in getting car insurance, because the old car would be in the bigger risk of damaged. Therefore, recently it is the best choice to donate a car to a charity that accepts donated vehicles in our community and educates us on all the aspects of charity car donation.

Car donation is the practice of giving away no-longer-wanted automobiles or other vehicles to charitable organizations. In the United States, these donations can provide a tax benefit and have become very popular, such as car donations California,car donations Chicago, car donation Minneapolis, in which provide the car donation programs. In this case, we can choose which charity we would like to donate to: a school, church, shelter or non-profit organization and we will receive a tax donation. This charity car donation even handle all the forms for us, thereby making the entire disposal and donation process as easy as possible.

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OLD CAR FOR TENAGERS? IT'S NOT SUITABLE.......

The old car is not appropriate to be driven by the teenager or young people. This because the young people tend to have strong way in driving. Mostly, old cars are classified as the cars that unable to provide sufficient protection for the young drivers who usually like to step on the gas pedal too much. In a recent study, car accidents cause deaths and injuries that befall many young British when it involves driving half their age who use a car with more than a decade.

Based on the Institute of Advanced Motorists (IAM), quoted by The Telegraph (9/June/2011), young drivers are the ones that have the highest risk on the road and in insurance claims usually 20 percent of accidents occurred in their first year in driving. So event though there is a car insurance or auto insurance that will protect the car injury and also there are Personal Injury Lawyers who will help young drivers when they got the car accidents, but it would be better if they bought a car for their children with good security feature or to minimize the car accident for youth. It does not mean that they should buy the new car, but the car at new launch not more than 10 years. And, when the parents have the old car, perhaps it will be better to donate old car in the car donation charities such as car donations California, car donations Chicago.

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CHICAGO CAR INSURANCE IS A MUST

Any activity that we do certainly contain risks, include when we're driving. Although it has been very cautious, likely affected would still exist. What we can do is to minimize financial losses when disasters occur, such as car injury or car accident. Therefore, we need car insurance or auto insurance that provides a complete guarantees and features in which has effort to always be present for its customers. This auto insurance commonly will provide a remedy for disappointment and discomfort that is experienced by the car owner when the car accident occur, either accidents that are caused by theft or accident because of traffic accident.

Auto insurance is very important especially we never know when the accident comes. Surely you would mind if the car is lost or crashed, or get the car injury.

In Chicago, United States (U.S.), Chicago Car Insurance is a must due to assume the insurance is very important so they plan to create a tool detector on the highway that can detect whether there is a car that has insurance or not and also find out whether the insurance is still valid or not. Just like detector pace posted in the streets, this tool will also be installed in certain areas. The tool will scan the license number and send it to a database that is in InsureNet to find out the insurance problems.

If there is a car driver get caught and he/she does not have a car insurance or already out of date then the fines will be charged at U.S. $ 300-500.

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TYPES OF AUTO INSURANCE

Auto insurance is insurance that guarantees losses resulting from motorcycle, truck, and car accidents, etc., or theft, and liability to third parties. Here are the types of guarantee in auto insurance:

• Combination, that is the guarantee for any loss or damage that occurs in the framework of the vehicle.
• Total losses, that is the compensation that is given if the loss or damage up to 75% or more of the market value of the vehicle, lost due to theft.

The auto insurance commonly also will be advanced for:

• Car accidents
• Driver's accident
• Passenger personal accident
• Liability to passengers
• Strikes and riots
• Terrorism & Sabotage (Terms and conditions apply)
• Natural Disasters (Earthquake, Tsunami, Volcano Eruption, Flood and Storm)

Because of there are many kinds of auto insurances that are offered by insurance company, either state auto insurance company, private auto insurance company, and the general insurance companies, so people can compare the auto insurance quotes via online. By using online auto insurance quotes, people can compare the prices from multiple insurance providers in order to find their cheap auto insurance option.
So, in this internet era, people can find the free quotes for auto insurance easily also. 

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TIPS FOR SELECTING AUTO INSURANCE

Today, selecting an appropriate auto insurance is not easy. Especially in the stiff competition among insurance companies. Almost all insurance companies have auto insurance products that offer many kinds of benefits for customers. So, all depend on prospective customers to choose which one is viable. Therefore below are some tips to select the auto insurance:

• Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily a guarantee of service.
• Considering the insurance package offered. For example extensive collateral to how much. Therefore, extensive collateral should be adjusted with the desire and ability to prospective customers.
• See also the network of insurance companies concerned. For example how many have a branch office or how many partners have a garage, so that there is a claim not wait long to repair the vehicle or vehicles reported missing.
• The ease, facilities, or what added value that can be obtained when buying the policy in the company. For example, if there is a tow truck, a replacement car or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the ease in question.
• Consider also the insurance company's accountability. Many insurance companies claim they are the best, but their financial condition was very severe.

Besides those mentioned above, there are several factors that should be considered in the process of selecting an insurance company included in choosing the product. The thing to remember in choosing a private insurance company, then that should be considered in general are three factors. First, the financial strength (security). Second, the service (service). And third, the cost or burden. Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because sometimes there are a few insurance companies that are looking at the flashy exterior, but when there are claims from customers, the company can not pay.

So, just be careful when selecting the auto insurance for your vehicle.

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