Auto Insurance
Auto Insurance
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Auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance.
If you have an accident, your auto insurance will protect you from financial damage. It is a legal agreement that you and the insurance provider have. You agree to pay the premium and the insurance provider agrees to cover your losses in accordance with the terms of your policy. Medical, liability, and property are covered by auto insurance. The primary priority is financial security.
Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.
Automobile Coverage
Collision Coverage
This is the basic insurance type that covers your vehicle if you collide with something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.
Comprehensive Coverage
This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.
Liability Coverage
This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.
Medical Payments
This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurrs while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.
More Info
Now that you understand a bit more about the different types of auto insurance available, you are probably ready to find the right coverage for you. The best way to do this is to work with an independent agency that will allow you to compare insurance quotes online. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need.