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of the most important aspects of insurance to consider, are the consequences of drugs or liquor.If you were two drive under the influence of drugs or liquor then you need to be entirely clear of the fact that no insurance company will cover you as this is classified as negligence. Additionally, if an insurance company is made attentive of the fact that you were under the influence of drugs or alcohol at the time of an accident, your policy could in all probability become null and void. Even if you were not visibly drunk but you were over the legal limit, then according to law, which the insurance companies base their decisions on, you will not be covered at all. Beware because there are no exceptions to this rule.
All the insurance companies offer a liability cover, which is known as third party insurance. So it doesn't matter who you decide on. They will all provide it. To cover a part of the costs for damages or injury sustained in an accident for which you were at fault, is the purpose of this insurance. The amount of coverage that the companies will cover you for, will depend on your certain policy. To avoid uninvited events, you are strongly advised to read all the fine print and to make sure you understand all the relevant details before accepting a policy. This is the minimum level of insurance needed in order to handle a vehicle on public roads but also keep in mind, third party insurance does not contain cover for damage to your own car. You will need to get Fully Comprehensive Motor Insurance, which is slightly at higher cost but then your vehicle will be insured as well. Furthermore, if you drive an expensive high end vehicle equipped with expensive sound systems and other electronic appliances [link widoczny dla zalogowanych], you would be well advised to consider Third Party, Fire & Theft insurance.
As the name implies, comprehensive insurance is in short, a full insurance which will cover you for nearly every assumable misfortune. The comprehensive insurance doesn't only cover you, but also covers pedestrians [link widoczny dla zalogowanych], passengers, your passengers and also cover the other motor or vehicles that is involve during an accident. This policy gives you peace of mind in knowing that your insurance company will be accountable for the medical or funeral expenses resulting from an accident. The comprehension insurance will also cover you against theft or any other unwanted happenings. Having read through the various insurance choices available to you, it is apparent that the greatest savings are to be had if you limit yourself to third party insurance only. Before you make your decision it is recommended that you think about all the different options. If for instance, you stay in a neighborhood with a high crime level, there will be a stronger possibility of having your motor stolen [link widoczny dla zalogowanych], so in this case you will possibly want to be covered against theft. Comprehensive insurance may just be your best course if you have had a few accidents in the past.