Nama aku Fatin. Aku nak cerita pengalaman aku amik lesen memandu. Oleh kerana aku terlalu yakin aku gagal test 1 dan ke 2. Ketika test ke 3, kebetulan abg JPJ tu putih hensem. Pastu romantik gila. Masa drive aku pegang la gear tp mcm pelik la gear aku tolak2 tak ke depan, pastu bila aku tengok rupa-rupanya.................. Malu weh.
Farmers Insurance offers gap insurance, called residual debt coverage, to provide additional protection to new and leased cars. New cars depreciate quickly, and many car owners find they owe more money on their vehicle than the market value. This additional coverage will protect you in the event your car is totaled or stolen and declared a total loss.
How does gap insurance work? If your car is totaled or stolen, residual debt coverage covers the difference between the value of your car and the amount you owe on your lease or loan. Auto policies without this additional coverage will only pay you the market value of your car. Since new cars depreciate quickly, you can end up owing money on your car loan even after the insurance claim is paid.
Gap insurance is an optional policy that you can add to your auto theft and collision coverage. Although any vehicle can qualify for residual debt coverage, drivers who made a down payment of less than 20 percent, lease a vehicle or have financed the vehicle for more than 72 months will benefit the most from this coverage. You can also benefit if you have rolled negative equity from a trade-in into your new car loan, or if you drive a vehicle that depreciates faster than typical vehicles, such as a luxury or sports car.
Farmers Insurance is one of the largest American insurance companies. It serves more than 10 million households across the United States and has over 50,000 agents. It offers a broad range of insurance and financial services products, including home, renters, auto, life, motorcycle and pet health. You can contact any of its numerous agents for additional information about its policies and for gap insurance quotes.
This insurance company also offers other auto coverage options that drivers appreciate, including accident forgiveness; no fault, no foul, small claim forgiveness; and incident forgiveness. With these additional coverages, your insurance rate remains unchanged if you are in an accident and it isn't your fault, if you are in a small fender bender (even if it is your fault), or if you get a speeding ticket but don't file a claim.
Farmers Insurance is a large insurance company that offers optional gap insurance for your car in addition to your auto policy. This additional coverage is a good choice for drivers who owe more than the market value of their vehicle on a lease or loan. Drivers who have older cars or who owe less than the car's value on a lease or loan may not benefit from this coverage.