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If you do not need the auto casualty insurance coverages on your current car, it is still wise to know what coverages are available to you if you change vehicles or want to upgrade your auto casualty insurance coverage. Let us take a look at what optional coverages are available to motorists with cars registered in the state of Florida. Florida law only requires a motorist to purchase personal injury protection (PIP) and property damage liability (PDL). A minimum of $10000 PIP and $10000 PDL auto casualty insurance is mandated to be placed on a motor vehicle in Florida. Other coverages are optional, unless the FL Department of Highway Safety and Motor Vehicles requires you to meet certain financial obligations by purchasing more coverage. The types of optional auto casualty insurance available in Florida include: Bodily Injury Liability, Collision, Comprehensive, Uninsured and Underinsured Motorist Bodily Injury, Medical payments, Travel Protection Plan, Hospital Indemnity, Towing, Rental reimbursement, Accidental Death and Dismemberment.

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Commercial auto casualty insurance companies have adjusters that go into the field, including homes, tow yards, and repair shops, to evaluate the extent and amount of the damage and determine the costs it will take to repair the car or truck. If the damage to the vehicle exceeds the actual worth of your vehicle, also known as the blue book value, then your vehicle will be considered a total loss. The auto casualty insurance adjuster will be the one to determine this, and the auto casualty insurance company will only make payment for the amount determined by the ins adjuster, minus any applicable deductible, of course. Knowing what the auto casualty insurance adjuster does may help if you ever file a claim, because any claim for comprehensive or collision auto casualty insurance may need to be appraised by the auto casualty insurance adjuster before it can be settled. Learn about Inexpensive Stolen Auto Insurance Product for Convicted Driver in Australia in car insurance collection of articles.

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A part of the policy fulfilling the requirements of law is the liability portion. A auto casualty insurance policy is a legal contract between you and your auto casualty insurance company. That part of the policy covers "the other party". If you or I gets into an accident (unfortunately it happens) someone will usually be "at fault". The policeman at the scene of the accident normally determines this as he gets the facts and fills out the accident report. The one at fault may get a ticket for causing the accident or for driving carelessly. There are many possible variations of this scenario. So, both parties are carrying auto casualty insurance policies. The one who is "at fault" has triggered the "liability" part of his policy, (his legal contract with the auto casualty insurance company). Again, the auto casualty insurance company has agreed to assume your risk of "liability" in exchange for your payment of the policy premiums.

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This statistic is backed up by FEMA stating that the leading cause of death auto casualty insurance during winter storms is from transportation accidents. That is why it is so important to drive carefully when any type of winter weather blows in. Making the proper preparations can help you and your loved ones make a safe trip. The National Highway Traffic Safety Administration (NHTSA) and US Department of Transportation (DOT) have what they call the three P’s of Safe Winter Driving. These P’s stand for Prepare, Protect and Prevent; we will concentrate on the first P in this article. Before leaving on a trip during the winter time, especially if a snow or ice storm is on the radar, get yourself and your vehicle prepared. One way to prepare yourself is to plan out your trip’s route. You can do this by using maps and online routing or getting help from an auto club, such as AAA.

• Question: I financed my car through a bank and at that time could not afford comprehensive and collison auto casualty insurance coverage. The bank secured coverage on my vehicle. Can they do this?
• Answer: yes. If you finance or lease a vehicle, the bank or leasing company will expect you to have enough comprehensive and collision auto casualty insurance coverage to protect their interests. If you did not have such auto casualty insurance and the vehicle was severely damaged or stolen, the bank or leasing company could look to you for the value of the remaining financing of the car. Since the car has been destroyed or stolen, you might, understandably, feel reluctant to pay for a vehicle you can no longer use. For these reasons, the auto casualty insurance company will get secure coverages for you if you do not – and expect you to pay the premiums. Explore Truck Insurance Firms in Los Angeles for Young Persons in auto insurance observation.