Automobile Insurance Agencies and Company Directory

 

  • Basics About Automobile Insurance

    Car insurance provides protection against losses from the result of an automobile accident or from the liability that occurred during the accident. Auto insurance also covers different situations that can happen with a vehicle, such as vandalism, theft, or if the vehicle was involved in any type of property damage. The policy premiums and the deductible are less expensive than the actual accident in most cases, so this lowers the out-of-pocket expenses for the car owner. Driving history, the state you live in, how much coverage you want, and what type of car you drive are all factors in determining insurance costs. There are many different types of insurance coverage that can be purchased.

    1) Liability — This covers property damage and bodily injury caused to others as the result of an accident. The injury portion may cover lost wages, pain and suffering, as well as medical expenses for the other party. Property damage can include damage to another vehicle or property and any court costs related to the incident.

    2) Comprehensive — This covers damages to your vehicle that are not related to an accident such as theft, vandalism, fire, hail, or flood.

    3) Collision — This covers damages to your vehicle from the result of a collision with another vehicle or object.

    4) Medical coverage — This covers any medical expenses associated with the accident.

    5) Uninsured motorist — This covers damages to your vehicle if there was an accident with another driver who didn’t have liability insurance.

    6) Underinsured motorist — This covers damages to your vehicle if there was an accident with another driver who didn’t have enough insurance to pay for all the damages.
  •