Types of Auto Coverage

Everyone who drives needs car insurance. In fact, most states require it by law. When you buy car insurance, you are buying what is called a policy. This is based on a variety of factors including what kind of car you drive as well as what kind of insurance you want. Auto insurance policies are actually a package of different types of insurance coverage.

The first step in understanding an auto insurance policy is to learn the various types of coverage insurance companies offer. Some of this coverage may be required by your state and some of the coverage may be optional.

  • Liability – This coverage pays for accidental bodily injury and property damages to others. Injury damages include medical expenses, pain and suffering and lost wages. Property damage includes damaged property and automobiles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always get more coverage than your state requires.
  • Collision – This coverage pays for damages to your vehicle caused by collision with another vehicle or object.
  • Comprehensive – This coverage pays for loss or damage to the insured vehicle that doesn’t occur in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.
  • Medical Coverage – Pays medical expenses regardless of fault when the expenses are caused by an auto accident.


Items That Are Often Overlooked When Buying Auto Insurance

Buying Auto Insurance

Many things are often beyond our control. No matter how far we go to protect our life, properties and interests, something always happen like accidents which are normally beyond our control. One equally precious thing we possess is our dream car and this is one of our possessions which is always at risk, either at our own hands or at the hands of a reckless driver. This is why it is important to secure our priceless possession and it is best to shop for the right insurance package. We have to be careful in choosing the proper state auto insurance in our community.  Here are some useful information often overlooked by car owners when purchasing for a car insurance.

  1. Make of the car.  The higher the car’s value, the higher the premium you’ll have to shell out. So stop drooling over those sports cars.
  2. Driver’s history/age.  If you had previous car accidents, chances are you’ll be slapped with a higher premium.
  3. Purpose of the car. Unknown to many, the car’s mileage is a major factor when an insurer computes the premium. The longer the distance the car had already traveled the more chances that the car is likely to have mechanical problems.


Critical Areas in Claiming Auto Insurance

Critical Areas in Claiming Auto Insurance

Claiming benefits under an insurance contract is not as easy as taking out or paying for your insurance in every state. There are many factors to consider before one gets to recover the full benefit under the insurance policy. It varies also in the kind of insurance whether state auto insurance, building insurance against fire, life and other health insurance.


Listed below are the five most critical actions following a car accident. First is to check on injuries. Normally on strong collisions, we may never get to check if we are injured, we oftentimes wake up in hospital beds. So if we can still check out for injuries, we are speaking of slight collisions. Second is to talk with Law Enforcers.

After an Accident

We always note that after an accident, people gather, so it is important to speak up with the right people who are the law enforcers. Third is to gather important information about the other driver. This way you can easily get in touch with him in the future should you need anything that is required by your insurance provider. Fourth is to call your insurance provider. It is important to inform the insurance company of the accident so that the company can determine their liability and act on your vehicle right away bringing lesser damage to the car. Fifth is to determine if you are entitled to vehicle accident compensation. So it is better to call on lawyers who can manage swiftly and efficiently the claims you are entitled.


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