Car Insurance

What is a Car Insurance, and What Should I Select? 

If you own and drive any kind of vehicle, it is a must to obtain car insurance. What exactly is it and how should you choose one? First, a car insurance is a type of financial plan which provides protection against physical injuries sustained during traffic accidents, and liabilities to property in the event of collisions.

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Let’s say that you got involved in a road mishap and you had to be hospitalized due to injuries sustained. The costs associated with having your injuries attended to would be compensated by your car insurance provider, if it is covered in the plan. If your car gets stolen or damaged during an accident, the costs with having it replaced or repaired may also be covered in the plan.

Depending on the amount of insurance premium that you are paying, here are some instances which the car insurance policy will protect you from:

  • Theft of your vehicle.
  • Fire or explosions caused by accidents.
  • Damage to the car caused by natural disasters.
  • Road accidents such as collisions with other vehicles, unfriendly weather conditions, pedestrians crossing, engine malfunction, etc.

When you get involved in a car accident, you simply need to make a claim against your policy by getting in touch with your auto insurance plan provider.

2 Types of Car Insurance 

There are two types of car insurance plans that you can choose from:

Liability Car Insurance

This is the minimum amount of car insurance that every driver or car owner needs to have. Liability car insurance is the most basic type of auto insurance that you can get. It protects you from the damage caused if you got involved in a road mishap, and you are the responsible party.

If you rear ended another car, for example, you’re considered automatically at fault. Any damage caused by the accident to the other car will be handled by your liability insurance cover, instead of it having to come from your own pocket.

Comprehensive Car Insurance

Think of this as having everything that a liability car insurance plan has to offer, and more. Comprehensive car insurance plans usually offer other perks like roadside assistance, damage cover due to natural disasters, and similar conditions.

Which Plan Should I Select? 

Choosing between liability and comprehensive car insurance depends on how much you are willing to pay for your safety on the road. A good rule of thumb to follow is if you have an old car, don’t pay for any extras and just go for liability insurance. If you have a new car and you use it to drive yourself to and from work, you are more at risk so choose a comprehensive car insurance plan. Comparing car insurances is key if you would like to get the best plan to suit your individual driving needs.

Resource Box: Are you on the lookout for a suitable car insurance plan while driving in Denmark? If yes, it pays to make a comparison of the different auto insurance plans offered by different insurance companies. By doing so, you would know which ones will give you the best value for your money while offering you financial protection as well in case you unfortunately get involved in a car accident. You might want to find it useful to know that the danish word is bilforsikring

 

 

4 kommentarer til Car Insurance

  1. carmen skriver:

    Thanks

  2. Konstantin skriver:

    Hello, I am looking insurance for my car.
    Peugeot 206 sw 1.4hdi 2003 are.
    I am 27 are old. Its my first car in Denmark, but I had car in my country (Lithuania). I don’t have indecent with police.

  3. Samir Basnet skriver:

    I am going to buy new car
    Which is Volkswagen 1.2 105

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