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Sports Car Insurance Claims For Enhanced Lighting In Singapore – Auto liability insurance protects you from two types of expenses you might incur in an accident: injuries to others and damage to other people’s property. So if you’re found at fault in an accident, your liability coverage steps in to cover the other party’s medical and repair costs — up to your policy limits. It may also cover your legal costs if the other party sues you. Almost every auto insurance policy includes liability coverage, and almost every state requires you to have it.
You will typically see your auto liability coverage divided into three numbers that indicate the limits of your general liability policy for bodily injury (BI) and property damage (PD). For example, let’s say you’re in Illinois and you have the minimum auto insurance liability limits required in that state: $25,000/$50,000/$20,000. Here’s what those numbers mean:
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Consider the following scenarios, assuming your BI liability limits are $25,000 per person and $50,000 per accident, and your PD liability limit is $20,000 per accident.
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Scenario One: You hit another driver and cause $20,000 worth of injuries and $15,000 worth of property damage. Your insurance must pay both amounts, as all injuries and damages are below your per-person and per-accident coverage limits.
Scenario Two: You are at fault for a car accident, but in this case you injured the driver and two passengers. Assume each has $25,000 in injuries. You may think you are protected because you have $25,000 of personal injury coverage per person. However, $50,000 is the maximum your insurer will pay out per accident based on your coverage. Since the injury costs totaled $75,000, you would be responsible for the remaining $25,000 out of pocket.
For example, if you back into someone’s car, your auto policy coverage may cover the damage to the vehicle.
When you quote a policy with liability coverage, you’ll choose a coverage limit — the maximum amount your policy will pay for injuries or property damage you cause to others.
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It’s a good idea to choose a liability limit that matches or exceeds your total net worth so that your assets are well protected.
If you are at fault for an accident, your liability coverage covers property damage and injuries you cause to other people, including:
Yes, auto liability coverage is required in almost every state. However, each state has its own minimum coverage requirements. Don’t worry though; insurers can only sell policies that meet or exceed your state’s minimum required auto insurance coverage.
If you are responsible for an accident, the costs may exceed your savings, so make sure you are properly insured. For protection and peace of mind, consider increasing your auto insurance liability limits above the minimum.
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Bodily injury claims are generally more expensive than property damage claims. To determine how much bodily injury coverage you should have, start by calculating your net worth — or the total amount you stand to lose if you cause a high enough cost accident. Add your assets, including bank, brokerage and retirement accounts, plus the equity in your home and other property. Then subtract your debts to get your total net worth. Choosing at least this amount for your bodily injury liability limit can be worthwhile, knowing that your total net worth (and therefore the amount you risk losing) can grow over time.
Note that your rate will be affected by the coverage limit you choose. Get more tips on how to find out how much car insurance you need. Our car insurance estimator can also give you an idea of what level of cover is right for you.
If you have a high net worth, an auto policy with a combined limit for bodily injury and property damage may make more sense than the single limit liability coverage that is standard. CSL amounts typically range between $300,000 and $500,000. Premiums for CSL policies are higher, but the coverage limit can be divided however necessary to satisfy a claim against you.
Scenario One: You have a split limit policy that covers bodily injury up to $100,000 per person and $300,000 per accident. However, you cause an accident that results in $120,000 in medical expenses for one person, leaving you on the hook for $20,000.
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Second scenario: You cause the same accident as in the first scenario, but you have a combined $300,000 single limit for BI and PD. Your insurance will cover the full $120,000 as your maximum CSL of $300,000 applies to each type of liability claim.
Call 1-866-749-7436 or quote for auto insurance online and we can help you choose the right liability coverage for your needs.
Access your policy or call us at 1-866-749-7436 and make changes to your current liability limits if needed. During yesterday’s Microsoft E3 2017 press conference, the company officially announced Forza Motorsport 7, which will launch this October on Windows 10 and Xbox One. Shortly after the announcement, creative director Bill Giese revealed some additional details about the enhancements that will be available on the Xbox One X.
According to Giese, Forza Motorsport 7 will not only run at 4K resolution, 60 FPS on the Xbox One X, but will also feature 4K textures and improved lighting. The instrument panel of all cars will also have a higher level of detail.
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Bill Giese also talked about some additional details. According to the creative director, Forza Motorsport 7 will feature over 700 cars, 30 different environments and some new online features. Additionally, the game will also have Mixer integration.
If you want to see more of Forza Horizon 7, you can check out the gameplay trailer as well as gorgeous 4K screenshots.
Forza Motorsport 7 launches on Windows 10 and Xbox One on October 3, with the Xbox One X update coming on November 7, the day Microsoft’s new console launches in all regions. We’ll keep you updated on the new entry in the popular racing game series as soon as more about it comes out, so stay tuned for all the latest news. Car accidents are an unpleasant part of driving. Fortunately, your auto insurance can protect your financial well-being in the event of a fender bender. Unfortunately, your insurance rates are bound to increase. How much does insurance go up after a fender bender? This depends on your provider.
According to Insurance.com, small fender benders are charged the same amount whether the damage is $200 or $2,000. If your premium is $1,500 per year, you can expect it to increase to $2,062 per year. This price will remain in effect for three to five years, depending on your provider. As Insurance.com notes, if you’re in a minor accident and the claim amount is less than or the same as your deductible, you may want to pay out of pocket rather than file a claim because the rate increase means I’m paying out of pocket you are anyway.
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WalletHub reports that if you’re responsible for an accident, even a minor fender bender, your insurance rates can increase by at least 50 percent. Even if you’re not at fault, you could still see your insurance rates increase by at least 12 percent, depending on your provider. Although some insurance companies will not raise your rates for a no-fault accident, be prepared for a no-fault accident to remain on your record for several years if your carrier raises your rates.
Forbes notes that not every situation will trigger a rate increase. Your provider will not usually increase your rates if:
To prove that you are not at fault, your insurance company may require you to provide at least one of the following:
As ValuePenguin points out, you should always notify your insurance company if you have a serious accident. However, you do not need to include your provider if:
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If you decide to file a claim after an accident, be aware that your insurance rates will increase, although perhaps not as much as your fellow drivers, depending on your provider. The Simple Dollar collected quotes from some leading insurance companies to determine how much they charge after an at-fault accident. Here’s what they found:
Each state has its own set of laws governing how an insurance provider can operate, including how much they’re allowed to raise rates for drivers after a fender bender. According to The Simple Dollar, you’ll see a sharper increase if you live in one of the following states:
If you’re about to see a rate increase due to a recent accident or you’re already paying a higher premium, Forbes suggests you do the following:
Now that you know how fender benders can affect your insurance rates, you can make better decisions about whether or not to file a claim and whether you should stick with your current provider.
Can You Have Two Auto Insurance Policies On One Car?
Hearst Autos Research, produced independently of Car and Driver Editorial, provides articles about cars and the auto industry to help readers make informed buying choices.
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