Car insurance is essential for a safe car life.
I will explain how to choose auto insurance. I will help you choose the best insurance without waste or effort!
What is the difference between mandatory car insurance and voluntary insurance?
The first thing to keep in mind is that auto insurance includes liability insurance and voluntary insurance.
Automobile liability insurance is insurance that all automobiles are required to purchase. This is to cover the financial burden that the perpetrator must bear to rescue the victims of a car accident. Compensation is only for physical harm to the victim, and there is no compensation for property (car or property) of others, including harm to the victim or the perpetrator himself.
In addition, there is a cap on compensation, up to $ 288,780 for death, $ 385,041 for residual disability, and $ 11,551 for injury. If additional compensation is incurred, the perpetrator will have to pay it.
No matter where you purchase mandatory auto liability insurance, the premium and coverage will not change, but there is no settlement negotiation service. It is not always enough to prepare for an accident.
Voluntary insurance, on the other hand, can cover property damage to the offender himself or others, including the victim.
Depending on the accident, the amount of compensation is usually high, so self-insurance is required
In addition, there are many types of special contracts for voluntary insurance, and coverage varies by insurance company. What to choose, how much reward to give … The points to choose will change depending on the lifestyle of each person.
So what type of car insurance should you choose?
What quite insurance (voluntary insurance)?
The types of insurance for car insurance (voluntary insurance) can be classified into three types.
Compensation to people
Compensation for third parties in a personal accident or compensation for you or your passengers.
Compensation for cars and things
Compensation for contracted vehicles or compensation for opponents’ vehicles or objects damaged by an accident.
Other compensation
There are different types, such as roadside assistance and legal fees.
In most cases, these are usually special contracts.
How to choose an automobile insurance special contract?
A special contract is compensation that provides more detailed compensation for situations that this insurance cannot cover on its own.
There are several special contracts these days, so it is important to choose the one that suits your lifestyle and the lifestyle of your family.
Here are some special contracts.
Road Assistance Special Contract
It is a special contract that covers first aid, transport costs, accommodation costs, transport costs, etc. in case of breakdown of the contracted vehicle by accident, breakdown, breakdown, etc.
In general car insurance, the roadside service (roadside assistance) is set automatically and the premium includes the cost.
On the other hand, with adult car insurance, if you subscribe to other roadside assistance services, such as roadside membership service and credit card service, you can save on insurance premiums by canceling roadside assistance. You can do it too.
Attorney’s fee special contract
An attorney that occurs when a registered insured person, a member of their family, or a person in a hired car has a personal injury accident or a property damage accident due to a car and claims damages from the other party. We will cover the fees and legal advice.
In the case of a non-personal injury, the insurance company cannot negotiate a settlement on your behalf. Therefore, in the event of a damage accident, you will need to negotiate with the other party yourself. It is not easy for the general public to negotiate a deal with little knowledge and experience. In such cases, it is safe to enter into a special attorney’s fee contract to cover the costs of consulting or delegating an attorney.
Personal liability special contract
This is a special contract that will cover you and your family if you damage or destroy someone else’s property in your daily life, rather than in a car accident.
It’s a good idea to consider the scope of your family’s activities, as well as yourself.
For special adult auto insurance personal liability contracts, it is okay for the person in charge to negotiate an indefinite amount of insurance and a settlement negotiation service.
Bicycle injury special contract
This is a special contract that allows you to receive compensation for injuries caused by bicycle accidents. It can be used when you fall off a bicycle and are injured and hospitalized, or when you hit a bicycle while walking and the obstacle remains. (*)
If you injure the other person, purchase liability insurance instead of bicycle accident insurance.
* The special contract for bicycle injuries does not cover outpatient treatment.
What are the characteristics of adult car insurance?
Since adult auto insurance is direct type (mail order type) insurance, we take advantage of it and offer more affordable and satisfying compensation plans for the adult generation who are more likely to drive safely.
Basic compensation and selectable compensation
Adult auto insurance has basic coverage and optional coverage.
Basic compensation includes unlimited personal compensation, objective compensation, and uninsured vehicle injuries. Personal injury and the driving of other vehicles are included in the basic compensation, so you can prepare for the other party’s compensation in the event of a car accident or an uninsured car accident.
With selectable compensation, you can choose the compensation content according to the service life of each car. Considering the balance between insurance premiums and compensation, it is also appealing to be able to customize the compensation that suits you best.
The insurance premium is just the amount that ran
Each person uses a car.
People who sometimes use the car for shopping and traveling on weekends. Those who use a car every day for transportation to and from the station and daily commutes.
Adult auto insurance calculates premiums based on mileage over the past year.
This is a rational mechanism adapted to each individual. Especially recommended for those who have little mileage the previous year.
Insurance premiums for people aged 40 and 50 with low accident rates are low (*)
The accident rate decreased gradually from the 1920s to the 1930s, and was the lowest in the 1940s and 1950s.
Adult auto insurance has a one-year premium system. By reflecting the accident rate for each age in the insurance premium, we have achieved a compelling insurance premium system that is more affordable for people in their 40s and 50s.
* Comparison with other generations of this product under the same conditions.