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Make Sure Your Car Is Covered All the Time- Opt for King’s Price Insurance Policies

Purchasing a car and letting yourself b e overwhelmed with its brand new features is not the end of the deal in the modern world. You never know when your car might meet with an accident, be stolen from you or get burnt to cinders. What would you do then? Well, you can put your worries aside with the car insurance policies available on the block.

Comprehensive Car Insurance- How Is Your Car Covered?

So, you have bought a new car. And the next thing that you are going to do is definitely insure it. But what kind of insurance coverage should you opt for? How about going for comprehensive car insurance? But before you do that wouldn’t it do well to find out all that you can about this policy type?

Summarizing the entire policy, it can be said that the comprehensive car insurance is that insurance policy that successfully covers your car in the event of accidents, fire, burglary or theft. Your car will also be safeguarded against those little mishaps that you might have caused with your car to somebody else’s property. In short, any damage control that you might be in need of with respect to your car is covered under the comprehensive car insurance policy.

Is Your Car Always Covered Comprehensively?

The comprehensive car insurance deal might sound to be too good for any car owner, but rest assured, it does not cover every kind of damage to your car. So, when can you not rely on the comprehensive coverage?

The comprehensive coverage does not vouch for cars if the driver of the car is found to be under the influence of alcohol at the time of the mishap.

The comprehensive cover is not valid if the car gets damaged when it is being driven by a person without the possession of valid documents.

Third Party Cover And Third Party Fire And Theft Cover- How Do They Work?

Apart from the comprehensive car insurance policies, you can also go for third party cover and third party fire and theft cover. So what are they all about?

Let us first consider the third party fire and theft car coverage. As the very name must have made it evident, this insurance will vouch for your car in the event of theft or burglary and fire accidents. This kind of car insurance also covers for your car in case it has caused damaged to somebody else’s property or injured someone in an accident. This kind of car insurance, however, does not cover your car in case you have caused accidental damage to it.

Next in line comes the third party cover. It is said that it is better to have some than nothing at all. And this is what exactly defines the third party cover. People opting for this category of insurance are sure to have their cars covered in the event of causing damage to other people’s property or causing them injury in some way as a consequence of the accident.

King’s Price Insurance- The One Stop For All Car Insurance Policies

King’s price insurance company is one such insurance company that will easily fit your car insurance demand what with its comprehensive car insurance cover, third party cover, third party fire and theft cover and the like. This is a car insurance company that not only offers cheap insurance premiums, but policy holders are also sure to notice the decrease in the amount of premium every month. This implies that they will be able to keep their cars insured at absolutely minimum expenses. King’s Price, is therefore, one of the best options if one wishes to avail the most lucrative car insurance covers.

PRETORIA – At a time when short-term insurers insist that extreme weather and a weak rand have forced them to increase premiums, King Price Insurance claims to offer “super cheap insurance premiums that decrease monthly”.

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What you should do if you had a car accident?

Being in an accident can be the most unpleasant thing that can happen to you on a regular day. It can exhaust you mentally, physically and economically, therefore it may become very hard to think straight right after an accident. However, accidents do happen very often. Therefore it is important that you are well aware of how to act upon, if you are faced with an unfortunate car accident.

If you are lucky to be conscious and suffer only with minor damages after an accident, the most important thing is not to panic and stay calm. The accident may be your fault or the other driver’s fault, however, being very diplomatic and professional is the key to get away from the misery of an accident as quickly as possible. First of all, you need to assess the amount and nature of the damage caused by the accident. If either you, a passenger in your vehicle or the other vehicle has got injured, you must seek medical attention immediately. You can either contact the emergency service through 911 (or any other local service) or ask for assistance.

When an accident happens, a lot of people will gather around to peek in, give a comfort talk, etc… But make sure you only talk about the accident to the police and your insurance agent, or a lawyer if needed. Do not immediately accept liability or admit fault in front of anyone. This will impact any legal conduct in the future, as well as your insurance claim.

For insurance claims, it’s very important that you collect as much as information as you can, about the accident. Even smaller details such as time, venue, weather, traffic condition will be extremely important. Also, the contact details of the drivers, passengers and pedestrians involved will be required by the insurance company to proceed with your insurance claim. It’s very important to record the vehicle license number of the other vehicle, especially if it’s a hit-and-run accident.

Of course, you need to inform your insurance agent as quickly as possible. You can make a call on our hotline 0860 55 55 23, and report the incident, our car insurance agents are at your service 24x7, and will quickly get to the incident, regardless of night or day. It’s more useful if you can contact the insurance agent on the spot, while even the police is present, so that police can give him a more accurate account of the accident. This will come to your benefit later when you make an insurance claim.

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The importance of the policy document

Policy document is the legal documentation that outlines the contract of any insurance policy. Whether it’s a life, motor vehicle, housing or any other sort of insurance, there would need to be a policy document. Policy document outlines everything about your policy – its coverage, payment limits, validity, conditions for claims, terms and conditions, how to apply for a claim etc…

Once you get into the initial agreement with your insurance agent to buy an insurance policy, he will prepare and give you a policy document. It’s very necessary that you completely read it and clearly understand it. Most often, insurance companies are looking for loopholes not to pay you in the case of a claim. Therefore, chances are that they might include clauses in the policy document that you are not very clear of and doubtful, which will come to their advantage when you make a claim. Therefore, it’s important you read it and understand it thoroughly. If there are any confusing or misleading clauses, or if the policy is missing something you have already discussed with your insurance agent, you must immediately clarify it before paying for the insurance policy. If needed, you can get the support of a third-party, who is familiar with insurance and have proper skills to interpret the clauses in your policy document.

One important thing you have to check in your policy document is whether your personal details (Name, address, SSN, contact numbers) are added accurately. Also, that the property – vehicle, valuables, house or other property are well-defined in the policy documents, with their attributes and specifications. Improper identification of such information will cause issues when you make a claim.

In the case of a claim, you can cross check against your policy document to ensure that you are being compensated for your injuries or damages, exactly as your insurance policy says. In any misconduct, having the policy document will help you take legal actions, if needed.

Typically, following content will be included in an insurance policy document:

General information about the insurance company – contact details, application process, etc...

Customer information

Policy details – this includes details of your cover, its value, no-claim discounts, claim procedure

Summary of the cover

Any other important information

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