Terry Cod's Articles in Car Insurance - Free Article Directory

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Terry Cod's Articles in Car Insurance


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I've Had A Road Traffic Accident - And It Was My Fault Many of us have trouble accepting that they could possibly be to blame for an accident. This is especially true of more mature drivers who have not had an accident in 30 years of driving or those holders of advanced driving certificates. I well remember an accident claim form which stated ' I am not to blame for this accident - I am an advanced driver and he should not have stopped in front of me!' (The advanced motorist had just hit a stationary car.) Motor Insurance Policy Exclusions - Loss of Use Here we examine the "loss of use" exclusion clause in your car insurance document.It lays out what alternative transport your insurance company will offer to you if your own car is not usable because of theft or accident. In most cases the answer is nothing !! Third Party Car Insurance - What's Covered And What's Not Third party car insurance offers you protection for any claim made against you, your driver (if somebody else was driving) or the person responsible for your car. You must by law (the Road Traffic Act) be covered by a certain level of cover. All policies in the UK giving 'third party cover' or more, will provide greater protection than the law requires. Whether you just have 'third party only'; 'third party fire and theft' or 'comprehensive' you will have this section. UK Car Assurance - What Makes The Insurer Wtite Off A Vehicle What is a write off or total loss? It happens where the car repair cost is more than the worth of the car, taking into account the salvage value of the damaged car. UK Car Insurance - The Emergency Treatment Policy Clause We're looking through a selection of the clauses in a fairly standard UK motor insurance policy. In this instance it's the "Emergency Treatment" clause which sorts out who pays for any medical attention needed following a motoring incident. UK Car Insurance - What Happens When An Insurance Company Decides To Write Off A Vehicle A vehicle is written off when the estimated repair cost is higher than the present market value of a similar vehicle. Once the insurer decides that the vehicle is a write off then they begin the process described here.

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