Auto insurance Free.Get quote now; Insured Now 100 %
Drivers in almost all states are required to maintain minimum levels of auto insurance coverage. But beyond the minimum, your insurer will offer you many car insurance types. What do they cover, and which ones are right for you?
To help you determine the ones you need, we provide an overview of the six major types of auto insurance, plus descriptions of some less common types of coverage.
Gather the relevant vehicle information
Gather basic information about yourself, your car and any other drivers you want to include on your policy, including:
- Social Security number
- Driver's license number
- Driving distance to work
- Vehicle's make, model, year and vehicle identification number (usually found on the dashboard near the windshield)
- Prior driving violations or insurance claims you’ve had in the past five years
- Copy of the declaration page from your current policy (if you have one)
Collision insurance
Collision insurance is a coverage that helps pay to repair or replace your car if it's damaged in an accident with another vehicle or object, such as a fence or a tree. ... If your car is paid off, collision is an optional coverage on your car insurance policy
Collision insurance is a coverage that helps pay to repair or replace your car if it's damaged in an accident with another vehicle or object, such as a fence or a tree. ... If your car is paid off, collision is an optional coverage on your car insurance policy
Uninsured motorist insurance
Uninsured motorist coverage protects you if you're in an accident with an at-fault driver who doesn't carry liability insurance. Underinsured motorist coverage, on the other hand, steps in when you're in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses.
Underinsured motorist insurance
Many drivers choose to carry the minimum in liability coverage to save money, but this might not provide enough coverage. Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.
Comprehensive insurance
Many drivers choose to carry the minimum in liability coverage to save money, but this might not provide enough coverage. Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.
Comprehensive insurance
What if something happens to your car that is unrelated to a covered accident - weather damage, you hit a deer, your car is stolen - will your insurance company cover the loss? Liability insurance and collision coverage cover accidents, but not these situations. These situations are covered by Comprehensive (other than Collision) coverage.
Comprehensive coverage is one of those things that is great to have if it fits in your budget. Anti-theft and tracking devices on cars can make this coverage slightly more affordable, but carrying this type of insurance can be costly, and may not be necessary, especially if your car is easily replaceable. Note: If you have a lienholder, this coverage is required
Personal injury protection insurance
Personal injury protection insurance may cover certain medical expenses and loss of income resulting from a covered accident. Depending on the limits of a policy, personal injury protection could cover as much as 80% of medical and other expenses stemming from a covered accident.
Rental reimbursement insurance
Figuring out how to get around after an accident can be expensive. Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.
Figuring out how to get around after an accident can be expensive. Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.
Comments
Post a Comment