Auto Insurance

Five Common Questions Regarding Auto Insurance

If you’re shopping for car insurance, you may find yourself overwhelmed and not sure where to start. So we would like to provide you with some answers to common questions most of us ask regarding car insurance.

Common Questions Surrounding Insurance for Automobiles

What does automobile insurance cover?

While policies do vary, most auto policies cover things such as personal injury protection, property damage liability, collision and comprehensive damages, and bodily injury liability. There are additional add-ons to some policies, such as glass coverage or emergency roadside services.

What happens when I cause an accident?

This is a question that does not have one straightforward answer. When you purchase a policy, you’ll determine how much you pay out-of-pocket when you have an accident, referred to as a deductible. The more coverage you have, the less you’ll worry about having to come up with a significant amount of money if you severely damage or injure another person in a car accident.

Is there protection against injuries caused by uninsured motorists?

This is a crucial question because it’s up to the individual who causes the accident to pay for damage and injury claims. If you’re involved in an accident caused by someone without insurance, you may have no choice but to sue that individual.

What types of policies are available?

There are a variety of different car insurance policies available; it truly depends on your specific needs. You may need coverage for just yourself, but you may also find that coverage is needed for your newly licensed teenager. If you have an older car, you may need a policy that is tailored towards antique vehicles.

What are the benefits of auto insurance?

There are many benefits to auto insurance, including protection to your vehicle and your passengers if you’re involved in an accident. Liability insurance is a must in all states, and without it, you could be found guilty of a misdemeanor crime. Depending on the policy, other benefits could include glass coverage if your windshield cracks or breaks, or even a tow if you find yourself broken down on the side of the road.