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If you have a new car, it is necessary to hire a car insurer. However, if you are an inexperienced driver, should apply certain techniques to get good auto insurance.

For starters, there are two types of car insurance:

With coverage of risk to third parties. Insurers help you in matters of fire and theft, which requires an additional premium. Protects in the following situations:

1) natural disasters. They include fires, floods, hurricanes, landslides, cyclones or earthquakes. Man-made calamities are theft, riots, strikes, railway, waterways, or air.

(2) personal accident coverage. You can also opt for civil liability for third-party coverage (covers legal commitments as a result of permanent injury)

According to the auto insurance company the following discount rates may apply:

First year – 20% second year – 35% third year – 50% fourth year thereafter – 65%
This insurance does not cover the following situations:

Damage arising from a riot, the nuclear risk or the war depreciation and loss mechanical failure or electrical wear of tires and tubes truck is not used for the purposes for which it was purchased damage from driving without a valid license damage caused by intoxication from alcohol or drugs wear daily
If you have an accident, how do your insurance claim? You need the following documents to present to the insurance company:

Your auto insurance policy copy more meat drivers FIR in the case of an accident with injury to third parties or damage claim format more the cost of repairs of workshop
Once you present these documents, the insurance company inspects the damaged car and authenticates the estimated cost of repairs. The inspector then completes the authentication and the car can be repaired. Presents the latest repair bill and seal of received in the workshop of the insurer for the settlement of the claim. After an insurance inspector certifies the repaired car.