Auto Insurance Basics
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Auto Insurance Basics

One of the most basic reasons to get your car insured is to protect your financial risks involved with accidents, theft, personal injuries, or property damage. Moreover it is mandatory in every state to have liability coverage of your car.

Liability coverage is must that you need to have before driving your vehicle.

Bodily injury liability helps to protect your assets if other people are killed or injured in the accidents and you are held liable for it.

Property damage liability provides extensive auto insurance coverage of repairing or replacing the vehicle or the property of other people.

Collision Coverage helps to repair or replace the vehicle if it is smashed in an accident.

Comprehensive Coverage helps if your vehicle is damaged due to theft, fire, vandalism, flood, etc means if the vehicle needs repair or replacement due to the reasons other than accident.

Uninsured/underinsured motorist coverage provides coverage to those listed in the policy apart from the passengers and others while riding in other vehicles or pedestrians. It also coves the lost wages as well.

Medical payments coverage or personal injury protection (PIP) covers other expanses like various medical expenses, or funeral expenses for the driver and passengers, apart from those listed in the policy.

Additional coverages are optional but sometimes provide a lot of protection.

Gap Coverage If your car is totaled in an accident, gap coverage provides the difference between the actual cash value of your car and the amount you owe on your loan or lease. It is also called loan/lease coverage.

Towing and labor or roadside assistance provides cost for Towing and labor to tow your car to a workshop or make minor repairs after a covered accident. Minor repair , fuel delivery, towing are covered in roadside assistance even if there was no accident.

Rental reimbursement provides cost to rent a car in replacement of your vehicle if yours is not drivable due to a covered accident. A few auto insurance companies also offer you a check for part of the allowed amount if you don't rent a replacement car.

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