Automobile Insurance Explained

Insurance for automobiles helps you deal with the cost of property damage to other vehicles. It also helps with medical expenses for people hurt in an accident that you cause. A policy will cover damage that you cause, but you can also have a policy that includes damage you receive.

Policy Coverage

General policy will cover health and property replacement repair expenses for an accident that you cause. You need separate coverage for things such as vandalism and theft. The medical expenses of a passenger in your vehicle will be covered up to policy limits. But the extent of coverage depends on the type of insurance you have.

Types of Auto Insurance

Liability covers property damage and medical expenses following an accident you cause. All states require proof that a driver has liability coverage. This is the least amount of coverage you can have. Collision is for repairs to your car if you damage to your vehicle. Comprehensive is for vandalism, theft, and more concerning your vehicle.

You might want to consider uninsured motorist or under-insured motorist coverage. This helps in because you are in an accident with a driver who is not covered by insurance or adequate insurance.

Filing a Claim

You will file a claim following an accident. Get insurance and contact information from others involved. You will also likely need a police report. An insurance adjuster will determine how to proceed after you file a claim.

Benefits of Auto Insurance

The main benefit of this coverage is you can legally drive a vehicle on the road. It will also help with expenses when you need it most.