Auto insurance covers you, your car, and others involved in a vehicular accident. Some of the different types of Auto Insurance available include:
- Liability
- Collision or Comprehension Coverage
- Personal Injury Protection
- Medical Payments Coverage
Yes, there are plenty of different types. It all comes down to how big you want your safety net to be. For example, property damage liability covers damage you do to someone else’s property. In an event you're hit by someone who is uninsured, there is Uninsured / Under-insured coverage.
It’s important to know what insurance really buys: safety. In this case, the safety of not letting one mistake damage your life. Without auto insurance, for example, you can be sued or even receive jail time.
Auto insurance is relatively inexpensive, but this depends on your driving history and credit report. Auto insurance is only expensive if your credit is struggling, or have a damaging driving history. In addition, prices vary by state.
An insurance deductible is the amount of money you pay after an accident before your insurance company pays for the remaining amount.
Yes. The average savings is almost $700 more per year with good credit.
You will use their auto insurance. For whatever costs that are left over, you will then use your insurance.
Unless the cause of loss is excluded in the policy, a homeowners policy provides coverage for personal liability, medical payments to others, and accidental direct physical loss to your dwelling.
The insurance coverage amount is your choice. We recommend that you purchase coverage equal to or greater than the estimated replacement cost of your home. Your home's estimated replacement cost also determines which policy options are available to you.
Since it's impossible to predict the cost to replace your home in the future, it's important to have enough coverage to account for unforeseen circumstances.
Hail damage? Typically, the answer is yes, if you have comprehensive coverage. Comprehensive coverage may help pay to repair dents in your car, broken windshields and even interior water damage caused by hail.
Pothole damage? Generally, collision coverage may help pay for damage to your vehicle caused by hitting a pothole, but car insurance policies typically do not cover normal wear and tear to tires due to potholes.
Windshield damage? Your insurance may be able to help if you have comprehensive or full glass coverage. These coverages may help pay for the costs of repairing or replacing your windshield.
Tree damage? If you have comprehensive coverage, insurance may help pay to repair or replace your vehicle, as long the damage doesn't exceed your car's worth.
Hitting a deer? Typically, damage to your vehicle after hitting a deer is considered a covered loss under comprehensive coverage
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