Car owners have to get auto insurance that helps them reduce the effects of risks that come with owning and driving cars. These include accidents that unfortunately are quite inevitable. The idea of ประกันรถยนต์ ชั้น 3 is to be prepared when an accident occurs.
Premiums are then paid to make the auto insurance effective; this will then be used by the insurer to mitigate the losses caused. The affected do not, therefore, have to pay the expenses using their own money rather it is the responsibility of the insurance company that covered them. The company can cover the whole or part of the costs incurred.
The premiums are structured by the insurance company and are affected by a number of factors. The factors will then decide whether one has to pay a relatively higher premium than the other or not.
One factor is the driving record of a specific driver. A poor driving record will certainly attract a high premium because the driver has a high probability of getting involved in an accident. Other factors that the insurance company takes into consideration when deciding on the premium to be charged include age, gender, number of years one has been driving among other factors.
The premium paid puts the insurance provider in a position responsible to cover losses that are stated in the policy you get. This can include paying for damages on the property, being liable legal in the case that people are injured in the process as well as having cover hospital bills. This can also include rehabilitation of those involved, paying lost salaries as well as covering funeral expenses in the case that a life is lost.
The number of auto insurance that a driver should take varies from state to state. So it is important to abide by the law when it comes to auto insurance and avoids being caught off guard in case of accidents.