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How to Find a Special Kind of Auto Insurance in San Jose

Auto insurance in San Jose has everything for everyone. There is a wide variety of insurance packages provided by insurance companies designed to cater even the most demanding customer segments.

However, there are special kinds of insurance packages which people do not usually know about and can turn out to be the most beneficial ones in turn. With proper knowledge and research, availing of such unique plans is a distinct possibility. Where the difference lies is in the working of a fault based and non-fault based insurance model for vehicle insurance.

What is a fault based system?

AutoInsuranceInSanJoseIt is one where the insurance company pays up the claims of not one but two drivers as is usually seen to happen. When you are responsible for any accident, your insurance company is liable to pay the insurance claims of both you and the aggrieved driver who has been injured in the accident or has received serious damages to his/her vehicle.

In cases where any other driver is at fault, the other driver’s vehicle insurance provider pays for the amount of claims for both drivers without any underlying hassles or hidden costs whatsoever. This is how a fault-based insurance system works for auto insurance in San Jose.

However, for a no-fault system, insurance companies automatically pay up the personal claims of their clients, irrespective of whose fault caused the accident. Does it sound beneficial?

This mechanism is in operation in several areas and helps reduce complexity and hassles owing to delayed payments or reluctance with regard to payments on the part of another driver’s insurance company.

Where the catch comes in, are the limitations of coverage of the no-fault type of vehicle insurance in San Jose.

This type is seen to cover certain specific cases and issues such as injury claims at a personal level, other medical bills for treatment, expenses on funerals in event of any deaths, losses on account of cut payouts or wages and also subsistence and sustenance money as compensation for all surviving descendants in event of sudden deaths on account of road mishaps.

There is a minimal amount of coverage provided by some insurance packages with regard to specific and limited damages to property like buildings, especially public buildings and parked vehicles on roads and alleyways.

Any financial claims for personal suffering, trauma and pain will not be covered by no-fault vehicle insurance. Insurance companies also do not cover damages to the vehicle under the no-fault scheme of insurance.

A minimal yet stipulated amount of coverage must be purchased by the consumers. This should not exceed the specified limits of all such coverage plans. One may not necessarily have to be insured in order to get a no-fault insurance plan.

There are usually two kinds of consumers who file claims under a no-fault insurance model. These are those directly and indirectly insured. This may be quite tricky but can be understood with ease.

Those who are directly insured are the driver and his/her family members. The person named in the policy is the driver of the car or the policy owner for this case.

Those who can be called indirectly insured are the pedestrians, passengers and other persons who are injured in an accident without any fault of their own. Directly insured can claim their insurance under a no-fault policy. For indirectly insured people, their claim has to be made under the driver’s no fault policy or any relevant policy of those involved in the accident that has the adequate coverage.

Only four wheelers are mostly covered under no-fault insurance policies. Auto insurance in San Jose does not cover motorcycles and other types of vehicles such as commercial vehicles and all terrain specialties like delivery trucks and taxis. Only four wheelers can claim under a no-fault insurance scheme.

In case nothing of this works out and the accident was not your fault, there are other options available.

The best option in such situation would be to directly sue the other driver who was responsible for the accident and who is evading direct payment and responsibility.

In most cases, this can be possible only if injury costs and financial losses exceed a particular amount. If there is allowance to sue, one may gain quick access to compensation for damages that would normally not be included under a no-fault insurance claim. These include certain punitive damages and other damages on account of pain and suffering and so on.

The best possible way to navigate through the entire situation is to take the help of an experienced lawyer or an auto insurance agent. They can guide you through the entire process and ensure that you get the best possible platform for filing no fault claims that are often seen to be better a fault based system. This kind of insurance system is often inaccessible to the common customer on account of lack of information and the limited kind of coverage implementation that it has seen.

However, a no-fault insurance claim does ensure your security through the entire process since you are automatically covered for injuries irrespective of whether you are responsible or not. This also reduces undue dependence on the other driver’s insurance provider. Negotiation and settlement with other drivers’ insurance organizations can often be a cumbersome and tedious process and the no-fault system does away with these.

For substantial and free details regarding auto insurance quotes in San Jose and their providers, type in your area zip code in the top box and get it for free.