© 2018 Designed by STUDIOBELKA.COM

Follow us on Facebook

AUTO INSURANCE

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage.

Here are some common car insurance coverage options:

 

Liability Coverage

Auto liability coverage is mandatory in USA .

Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law. Liability coverage has two components:

  • Bodily injury liability may help pay for costs related to another person's injuries if you cause an accident.

  • Property damage liability may help pay for damage you cause to another person's property while driving.

Uninsured and

Underinsured Motorist Coverage

If you're hit by a driver who doesn't have insurance, uninsured motorist coverage may help pay for your medical bills or, in some states, repairs to your vehicle. 

If you're hit by an underinsured driver, their liability limits aren't enough to cover your resulting medical bills. That's where underinsured motorist coverage may help.

Comprehensive Coverage

Comprehensive may help cover damage to your car from things like theft, fire, natural disasters or vandalism.

If your car is damaged by a covered peril, comprehensive coverage may help pay to repair or replace your vehicle (up to the vehicle's market value). This coverage has a deductible, which is the amount you'll pay out of pocket before your insurer reimburses you for a covered claim. Comprehensive is typically an optional coverage — but your lender may require it if you're leasing or paying off your vehicle.

Collision Coverage

If you're involved in an accident with another vehicle, or if you hit an object such as a fence, collision coverage may help. 

This coverage may help pay to repair or replace your car (up to its market value) after you pay your deductible toward a covered claim. Collision coverage is typically optional. It may be required, however, by your vehicle's leaseholder or lender

Medical Payments Coverage

If you, your passengers or family members who are driving the insured vehicle are injured in an accident, medical payments coverage may help pay for costs associated with the injuries.

Coverage may help pay for hospital visits, surgery, X-rays and more. 

Gap insurance 

Gap insurance is an optional, add-on car insurance coverage that can help certain drivers cover the “gap” between the amount they owe on their car and the car’s actual cash value (ACV) in the event of an accident.

A car’s actual cash value is the car’s monetary value at the time of the accident, not the car’s original price.

Roadside assistance

 

Roadside assistance   coverage helps drivers when their vehicle breaks down. It is an option on almost every auto insurance policy. 

Generally, adding roadside assistance to your policy will get you: towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

HOME

HOME

Rental reimbursement 

Rental reimbursement  (or rental car coverage) is a type of optional car insurance coverage that helps pay for the cost of a rental car while your vehicle is being repaired after a car accident or after suffering damages that are covered through your car insurance policy.

This coverage is not required as part of your car insurance policy, but is beneficial if you do not have a secondary vehicle and need to travel to work or school while your car is undergoing auto repair.

HOME