To get you as much experience of driving as possible, learner insurance is an excellent, flexible insurance option. Learner insurance is typically short-term insurance that will cover you for the time it takes until you pass your test. It is flexible to allow you to gather as much experience behind the wheel as possible, whether that is in your own car or the car of a friend, parent or relative.
Example: You cause an accident with another driver who has three passengers in her car. If you have liability insurance, you are covered against any bodily injury claims filed by the driver or her three passengers up to the limits of your policy. So if your per person bodily injury limit is $25,000 and your per accident bodily injury limit is $50,000, your policy will pay at most $25,000 to cover the bodily injury claims of any one of the four people in the struck vehicle but only up to $50,000 in total for all bodily injury claims resulting from the accident.
Federal research shows people are driving more -- the average miles driven per year is on the rise -- and more motorists on the road means more accidents. The cost to repair newer model cars with high-tech safety devices and sensor technology is also increasing, as are medical costs for injuries. And don’t forget about the hurricane and hail damage from recent severe weather storms. Insurers are passing on some of these higher expenses to you in the form of higher car insurance rates to recoup their losses.
If you carry only the state-minimum required liability car insurance with the lowest limits and you’re responsible for a bad covered accident, you would have to pay the balance of the claims that exceed your policy limits. It’s smart to select the highest auto insurance liability limits you can comfortably afford so you have adequate coverage if the unthinkable happens.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
Every car is classified into a different insurance group, numbered from one to 50. The cheapest cars to insure sit in the first group, but the more powerful or valuable the car, the higher and therefore more expensive the insurance grouping. Cars which have been modified to improve their performance also sit in the higher groups, making them much more expensive to insure.
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