Auto insurance is a legal contract that guarantees your car’s protection in case of financial losses caused by theft or accidents. Insured individuals pay a premium every year, in exchange for which insurance companies agree to pay for the incurred losses mentioned in the contract.
Auto insurance policies are typically renewable and are issued for a six-month or one-year timeframe. While you have the option to personalize your auto insurance coverage options, basic auto insurance provides coverage for property, liability, and medical. According to the Insurance Information Institute, property coverage covers any damage caused to the car; liability coverage covers the legal responsibility of any injuries or physical damage incurred, while medical coverage includes the payment of treating injuries, rehabilitation, and funeral expenses.
More than 700,000 vehicles are stolen in the United States every year. The rising number of vehicle theft raises concerns among policyholders about vehicle theft coverage. While some policies might cover theft associated with automobiles, your insurance advisor can further help you clarify your contract in the context of vehicle theft.
In Case Of A Break-In
A car break-in involves broken windows, smashed tires, or a damaged ignition system. This damage can be covered if you choose to opt for comprehensive
coverage for your auto insurance policy.
A comprehensive insurance policy helps you pay for damage caused by collision, theft, or natural disasters. You can also claim a loss if the vehicle is subjected to fire, an explosion, or accidents involving animals.
In Case Of Vehicle Theft
There’s nothing worse than finding out that your vehicle has been stolen. Most policyholders are usually confused about filing a claim for stolen cars and how to be reimbursed for the loss. Having liability insurance is mandatory for all licensed drivers.
However, liability insurance does not cover the costs of vehicle theft. Therefore, it becomes essential to purchase a comprehensive auto insurance policy because it pays for the value of your car if it is stolen.
It is crucial to provide the company with the car’s documents and its value so that the claimed loss can be covered without hassle.
In Case Of Stolen Personal Items
Some thieves don’t steal your car; they’re more interested in stealing your belongings from the vehicle. While comprehensive coverage can cover damaged cause due to the break-in, unfortunately, an auto insurance policy does not cover the costs of personal items present in the automobile.
These belongings, however, can be covered by homeowners or renter’s insurance Long Beach CA. Therefore, if your car is subject to a break-in and your personal items are missing, you will be required to file multiple (at least 2) insurance claims. You should consult with a professional insurance agent for further guidance.
Our advisors at Global Guard Insurance Services specialize in providing impeccable insurance consultation to help you purchase affordable and effective auto insurance Long Beach. Connect with us to get a free quote today!
Have you thought of the things you can do while you are bored?
Have you ever done something that is not only interesting but also time killing?
We suggest you try the activities listed below to counter a boring moment.
1. Do yoga
Whether you are young or old, overweight or fit, yoga has the power to calm the mind and strengthen the body. Studies have shown that yoga can decrease the secretion of cortisol, the primary stress hormone, which in turn can improve your overall health. It incorporates breathing exercises, meditation and poses designed to encourage relaxation and reduce stress.
2. Learn a new skill
One of the best ways to leverage your spare time in the upcoming year is to learn a new skill. Like learning a new language, learn a new instrument, start performing house repairs. Learning helps you become more open to change. By developing a growth mindset and believing you can learn new things you will be more adaptable to the changes happening in your profession and workplace and you will be more willing to take on new ways of working.
3. Get up to date on current events.
Keeping up with current events can enrich your life and teach you so much about the world. Keeping up with current events lets you know what is going on around the world, and therefore lets you learn about different cultures. Learning about the news opens up your mind to everything that is happening. Keeping up with the news makes us informed about the world around us, making us more intelligent and also giving us an opinion on certain issues.
4. Increase your brain power
Do something new, Think positive, It’s been proven that regular exercise helps to increase brain function and enhances neurogenesis. Train your memory. Good mental health helps you enjoy life and cope with problems. It offers a feeling of well-being and inner strength.A healthy body is linked to a healthy mind: if your body feels good, you will too.
5. Play some board games
Playing board games bring people closer, strengthens relationships, and can help you meet new people. It teaches you how to set goals and be patient. Also, it’s a great for reducing stress and makes for laughter.It’s not an activity that should be enjoyed once in a while when you get bored, for the best results it has to be a regular mission.
6. Read a book
Reading relieves tension and stress, which is brain-cell killers because it’s a form of escapism. Reading Makes You More Empathetic. Reading is a way to escape your own life, and can take you to faraway lands, other times, and put you in other people’s shoe
7. Cook for your family.
Make mealtime a family time. Cooking together and prioritizing health over the convenience of processed food are great ways to lead by example and help your children buy into a culture of wellness. Building daily and seasonal traditions around cooking together helps strengthen your family’s commitment to a healthy lifestyle.
8. Grow a little garden
It can promote calm and a sense of accomplishment. Bored and looking for something to do outside on a nice day. Gardening might be the perfect way to spend some time out in the sun, getting some physical activity.
9. Teach your pet new tricks
Trick training is likely to result in better health (as many tricks help build muscle tone and stamina), increased flexibility, balance and concentration, as well as a boost in your dog’s confidence and you. They enjoy the stimulation of human interaction and most certainly wouldn’t turn down a tasty treat as a reward for a trick well done!
10. Research new ways to save and make money
Saving can give you freedom. Knowing the reasons to save money can be critical if you want to stick with a savings plan for the long term. So even though spending money is arguably more exciting, you should consider saving money a priority. Little savings can add up, and if you are focused on saving on little things, you’ll often find ways to save on the bigger items.
Which tips work for you? Share in the comments below!