Car Insurance Rates Guide

What is third-party insurance? A typical car insurance policy is set up as a contract between two parties: you the driver, and your insurance company. If you get into an accident with another automobile though, they are considered a third party. If you were to get in an accident with another party, will your current policy limits cover the claim?

There are two different types of third-party liability insurance coverage. The first type is called bodily injury liability and the second is called property damage liability.  Bodily injury liability covers costs related to people like lost wages due to injury, medical costs, and things related to pain and suffering.  Property damage liability covers the cost of objects or things, like other cars, a person’s house, a building, street signs, landscaping, etc.

Each state has minimum required levels for major types of car insurance coverage and these include third-party coverages. It’s important to sit down with your insurance agent and make sure you’re covereded adequately. If you have assets and investments to protect, it’s important to know that you’re coverage is at a liability limit that would cover these assets in case of a major accident. If you have “no-fault” insurance, that typically will cover minor fender benders but not anything big. You don’t want to find out you’re under-insured after the fact - at the time someone is filing a claim against you. This type of insurance is priced fairly and is one area you should not try and be too “thrifty” from a fiancial standpoint. There’s far too much at stake.

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According to Easier News and Classifieds (easier.com), Hagerty International, a specialty insurance company, has said that insurance rates developed specifically for the 2006 London to Brighton Veteran Car Run in early November, are now being made available to all owners of veteran and vintage cars in the UK.

In January of 2006, Hagerty International and Allianz Cornhill launched a partnership, forming the UK arm of the Michigan-based Hagerty Insurance Agency, the largest collectors car and boat broker in the world. John Border of Allianz Cornhill states, “We have a long history of writing classic car insurance, and are now able to serve a wider and more specialised market.”

Angus Forsyth of Haggerty International concludes, “We have established one of the few true collector car specialists in the UK. Britain is a veritable hotbed of classic car collectors and we are offering them the best premium rates for the most comprehensive policy.”

So, if you’re an owner of a collectible car in the UK, keep your options open and check in with your insurance agent to see if you can save some money on your premium based on this recent news.

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One of the major ways cars get stolen nowadays is by using the owners keys. The main reason this happens is homeowners don’t take care of their car keys often enough. Car key theft continues to grow because automobile security has increased, especially over the past few years.

The main way thieves get your keys? From right under your nose. Thousands of cars each year are stolen by thieves who break into people’s houses and lift them. Most thefts are of keys that are in plain view, either through a window or open door. Quite often, the daring thief just walks in and out very quickly, through an open door or window, grabbing the keys, and is gone before you can say “honey, have you seen my keys”?

There are precautions you can take to reduce your risk of having your keys stolen from your own house:

• Keep your cars locked at all times, whether in the driveway or even parked in the garage. 
• Make a habit of keeping all exterior doors locked whenever possible, especially the front door and the interior door to the garage.
• If you have a mailslot, keep your keys out of direct view if anyone were to peek through the slot or view them from a window or door. And make sure they’re far enough away from the slot that anyone reaching through the slot couldn’t grab them.
• Have safety latches or rods in the window rails that will prevent a window from being opened all the way from the outside.
• Keep your keys out of site - especially away from windows or doors that face the front or street side of the house.

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