| > | | | | insurance policy: |
| Usually most of the people buy auto insurance | | | | Liability Coverage |
| policies without considering much about it and this | | | | Liability coverage is a govt. requirement and |
| is where they lack. Their ignorance does not | | | | usually it is divided into two parts which are |
| make them avail those benefits which are | | | | property damage and bodily injured. One only |
| available to them. People do not buy insurance | | | | gets the coverage if the insured car is faulty or |
| because they need it; actually the main reason | | | | the insured car is guilty. In both of the covers the |
| why they buy it is because of the legal | | | | car owner do not get even a single penny as |
| requirements. In almost every country this is now | | | | these are the covers meant for other people use |
| a rule that every vehicle whether commercial or | | | | In the first part that is property damage, if the |
| private must be insured and must have the liability | | | | car meets with an accident and the other car get |
| coverage of a particular given amount. Why | | | | damaged then the damaged car’s owner |
| people do not feel the need of the auto | | | | will get the cover. And in bodily injured cover if |
| insurance? | | | | the driver or the passengers of other car get |
| Earlier people were more caring about this and the | | | | hurt then they can claim the money. |
| reason why they have changed their attitude | | | | Both of these covers have to be there in the |
| towards it is the rising cost of insurance policies. | | | | insurance policy because of the law. Each and |
| Most of the people focus on saving money from | | | | every state has their own requirements regarding |
| wherever they can and in this rush they miss | | | | the liability coverage and this is advised that one |
| where they get benefited. Usually people sign up | | | | should check that what is the liability coverage |
| for an insurance policy which is available at a | | | | required in their state, before buying an insurance |
| negligible amount and just fulfills the need of | | | | policy. |
| meeting the legal requirements. These people are | | | | Collision Coverage |
| unaware that by spending a little much amount | | | | This cover is not required as per the current |
| they can avail many more benefits which are at | | | | govt. rules. This covers the damage of the cover. |
| present unavailable to them. | | | | In this the injury to the driver as well as to the |
| Important shields required in an effective auto | | | | passengers is not covered. |