Car insurance is an important part of any car owner’s life. Car insurance covers damages in case of weather damage, accident damage, car theft, and more. Being uninsured is a penalty in many states, as car insurance is generally required before purchasing or right after purchasing a vehicle.
Car accidents happen all the time, as there are 6 million car accidents in the United States every year. There are many different kinds of accidents. There are accidents that cause a little damage. And there are accidents that cause a lot of damage. There are accidents that do everything in between.
There are four main causes of auto body damage: weather, negligence, fender benders, and high speed collisions. Weather is a serious factor when it comes to car damage, and something that should be covered under a good car insurance policy. Weather damage can come from many sources.
Weather damage can come from hail when it pounds down on a car during a storm. It can come from lightning damage, when it strikes a car, whether moving or idle. It can come from some kind of fire creeping up the car and setting it ablaze. It can come from any number of points. Weather causes damage. It can cause damage to a car as well as other things.
Fender benders also are a main cause of car accident damage in the United States. Fender benders are incidents when one car strikes another car at a very low speed, causing only slight damage to the “fender” which is also similar to the bumper. This results in a low amount of damage but according to statistics happens often.
High speed collisions are another form of car damage, or a main cause that is. High speed collisions involve two vehicles that are going at a high speed. This can be on the interstate or can be on the highway or can be along a well traveled road. A high speed collision can hurt individuals physically but their cars also take a toll.
There are some statistics about car accidents, car damage, and the car insurance policy. They are in the following section.
- n a recent survey, research found that an estimated 77% of cars were in need of maintenance or repairs.
- According to a recent study by AAA, the average auto repair bill comes to between $500 and $600, and one in three drivers can’t pay it without incurring debt.
- According to Transmission Repair Cost Guide readers, the average cost of transmission replacement ranges from $1800 to $3500.
- The repair price for an entire brake job, including the rotors, calipers, drums, pads, and cylinders, can cost $750 or more.
- A recent AAA survey revealed that 35% of Americans have skipped or delayed service or repairs that were recommended by a mechanic or specified by the factory maintenance schedule.
Accidents can cause major damage, which can occur during a vehicle to vehicle accident or a single car accident, such as when someone runs their car into a mailbox and incurs damages. Accidents can cause thousands of dollars worth of damage, both to the owner’s vehicle and to the vehicle that the owner hit.
Accidents without insurance can bankrupt or significantly damage an individual’s financial abilities to pay for other bills, such as rent payments, mortgage payments, other car payments, utilities, and more. Accidents that occur without insurance can also damage someone’s ability to pay for the other person’s car, if they are found at fault.
A car insurance policy is important to handle situations like damages that are incurred either with the person at fault or with someone else causing the accident. A car insurance policy can help allay damages that are done in an accident or with weather damage or some other kind of damage.
There are many terms associated with car accidents and car insurance policies. They include car repairs, car insurance coverage, car insurance claim, auto repairs, auto insurance policy, auto insurance coverage, auto insurance claim, and others. There are other terms available to search for as well.
A car insurance policy may have many different terms to go with it. There is the deductible, which is the amount that must be paid by the car insurance policy holder before insurance covers any. There is the premium as well.