Auto Insurance
Auto Insurance Information
Coverages
Collision
Covers the cost of repairing or replacing your vehicle when you're involved in an accident.
Comprehensive
Pays for damages to your car caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.
Bodily Injury Liability and Property Damage
Payment for damages such as injury or property damage to others, including legal defense if you are sued.
Medical Payments and Personal Injury Protection (PIP)
Coverages for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured or a passenger.
Uninsured/Underinsured Motorist
Coverage for accidents caused by someone who does not have insurance coverage or does not have adequate liability limits.
Additional Expense
This coverage helps pay for a rental car. And, if your stranded away from home; food, lodging, and other incidental expenses.
Road Trouble Service
If your stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, this will provide the service you need.
Loan/Lease Gap
Covers the difference between the current value of your vehicle and the amount still owed on your lease or loan.
What’s the Difference Between Liability, Collision, and Comprehensive Coverage?
Liability coverage pays for damage or injuries you cause to others in an accident, up to the policy’s limits, but it doesn’t cover your vehicle. Collision coverage helps pay for repairs to your car if it’s damaged in a crash, regardless of who is at fault. Comprehensive coverage can cover non-collision events like theft, vandalism, or weather-related damage to your vehicle.
How Do Deductibles Work in Auto Insurance?
A deductible is the amount you agree to pay out of pocket before your insurance kicks in to cover a claim. If your deductible is $500 and your repair costs are $2,000, you would pay the first $500 and your insurer would cover the remaining $1,500. Choosing a higher deductible can lower your premium, but it also means you’ll pay more upfront if you file a claim.
Questions to Ask your Agent
- How much will I pay out of pocket if I get in an accident? What is the tradeoff between a higher deductible and lower premiums?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- Are any discounts available such as good driver, multiple policy, student discounts?
- What's the procedure for filing and settling a claim? Who do I call?
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