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If heart problems run in your family you run a higher than normal risk of having a heart attack. However, if you live in Siberia (far away from all banana trees) you have a much lower risk of suffering a hip injury from slipping on a banana peel. But why do they need to assess risk? Commercial car insurance is a business. In order to keep the business afloat, underwriting agents have to figure out what your health risks are, and then decide whether it is financially sound for them to accept you as a client, based on your risks. So if you work in a banana factory, in India, eat bananas with every meal and demonstrate a great propensity for klutziness, it is probably not in the car insurance companies best interest to insure you against slipping on a banana peel. So they may reject your application. But say you work in a banana factory, but rarely encounter bananas outside work. In that case the car insurance company might insure you, but include an exception in the agreement.

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A car does not have to be moving for there to be damages under comprehensive car insurance coverage. There are various ways that insurers would verify mileage under a PAYD program. Some would use GPS tracking systems that automatically tabulate and report mileage. Some use odometer checks or maintenance records. The concept is becoming more popular in many states. Some insurers are already offering PAYD discount programs in most states. For example, Progressive car insurance and GMAC car insurance presently offer PAYD policies. Progressive ties mileage verification to GPS, and GMAC uses the OnStar system built into many GM automobiles. PAYD has gained a strong foothold in Europe, with insurers from the UK to Italy offering the program. Giving people a financial reward for driving less makes good economic sense. The devil is always in the details, but it looks like the "pros" far outweigh the "cons." Check with your car insurance company to see if they presently offer PAYD coverage. Assume Direct Vehicles Insurance Product for Named Drivers in Mexico in car insurance branch.

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Kate Lotts of RBS said: "Any measures which make fraud less attractive to fraudsters is good news for policyholders, who currently pay some £40 each per policy to cover the cost of fraud." These days, having a car insurance policy is simply part of owning an automobile. If you own a motor vehicle in the United States, it must be registered, and most motor vehicles are required to have the state minimum car insurance coverage. Since not all policies are created equal, we will look at some tips to help you get the most from your car insurance policy. You may not know this, but it is possible to lower your monthly premium by increasing the deductible amount you must pay. The deductible is the total amount of money you must spend out-of-pocket before your car insurance will kick in and cover the remainder of the claim. If you have a low deductible, or none at all, you are actually paying the maximum premium cost, because you have elected not take on as large a portion of the financial responsibility.

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Roadside assistance does not come with every policy so you will want to make sure that your foreign car insurance provider offers this. There are few things worse than being stranded beside a broken down vehicle wishing you had invested in a more suitable coverage plan. If you do end up stranded you will want to know whether or not your car insurance covers an additional rental or perhaps a hired vehicle to come pick you up while you wait for repairs to be completed. Find out if they pay for replacement parts while you are at it. As long as you do your research ahead of time you will be fine. It is obvious that the world, especially the US is going through an economic hardship. Everyday, people like you and I are seeking ways to reduce their expenses and save more money in order to make ends meet. One area in which consumers are looking to save money is with car insurance premiums, especially in San Diego, California and other suburbs of California.

• Question: is there a grace period for the payment of car insurance premiums?
• Answer: if you do not pay your premium when due, the car insurance company will notify you that your coverage is being cancelled. Typically the notice will give you at least 15 days before the cancellation takes effect. If you pay the premium before the cancellation date, your coverage will continue. Understand Car Liability Insurance Agents in San Francisco for Safe Driver in auto insurance note.