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Automatic Insurance - Foundations

The automatic insurance was conceived to protect from the individuals in the event of accident or loss of car to their vehicle.

Initially, people want to be protected from their responsibility if they would wound somebody or harm to somebody of another property by the use of their car.

In the second place, people want protection for damage with their own car if the car would be damaged in an accident or suffers from other types of damage, such as fire or the flight.

Since the owners of a house form specifically excludes the insurance from car, they must be covered separately, by a policy called a personal automatic policy, or the PAP. Since the PAP contains the cover of the guarantee of property and, it is considered a comprehensive insurance.

The personal self politics consist of Erklaerungseite and politics form. The politics policy contains four different covering, everyone with its own insuring agreement, exclusions and conditions.

They are:

- Divide a liability coverage - this covering can be written to any the other coverges alone or with. It makes covering available for physical injury and property damage of others, for which you are responsible for up to the restrictions of risk.
- Medical payments covering of the part b - this covering is alternatively released, but it can be only written, if the policy includes liability coverage. It places medical covering to a certain delimitation to the order.
- Motorist covering of the part C did not insure - this covering can be only written in connection with liability coverage and depends on other laws, which vary from condition to condition. It is prescribed in some conditions; in others the insured ones can reject covering in the letter. It makes protection available against damage you, your passengers and your carrier resulting from an not insured driver.
- part D covering for damage of its automobile (physical damage) - this covering consists liability coverage of two parts, collision and differently than collision and can alone or with be written.

The personal self politics can be published to an individual or a married man and a woman, which lie in the same household. Much personal self politics are written, in order to include all existing covering with, but the versicherte does not have to buy everyone.

Specified the above is a fast summary of normally existing covering. They must note that there are exclusions, delimitations and conditions for whole mentioned above covering that you should be conscious.