Need to buy drivers insurance coverage for your vehicle?
If you are planning to purchase a new car you should have a new auto insurance policy effective from the date you take ownership of a new vehicle.
What’s the reason for having Auto Insurance?
If you ever get into a crash where people are injured and there is damage to vehicles having vehicle insurance will protect you against the financial losses that would accrue An auto accident can be a financial tragedy to the driver at fault if he/she does not have sufficient car insurance or doesn’t even have car insurance at all.
There are several types of drivers insurance coverage options you can add to your policy and it is important that you know what you need before you buy auto insurance.
Auto Car Insurance Coverage Types:
Bodily Injury / Liability Coverage:
If you are at fault in an accident bodily injury liability coverage will protect you in the case of bodily injury or death of the other party.
Medical Payments / No-Fault / Personal Injury Coverage:
Medical Payments / No-Fault / Personal Injury drivers insurance coverage, in the case of an accident, regardless of fault, will cover the driver and the passengers in the vehicle in the accident.
Comprehensive Physical Damage Coverage:
With Comprehensive it insures your car against being vandalized, damage from a fire (natural or from another car), auto theft and / or other covered occurrences listed in the policy. Basically it will cover your car in most cases where it is damaged.
Let’s say that you were in an accident but it was undetermined who was at fault. Well, with collision coverage it really does not matter as it will insure any damage done to your vehicle regardless so you can bring it in and get it fixed either way and restore it to its original condition in most cases.
Property Damage Liability Coverage:
Now if you are driving and accidentally damage the property of someone else Property Damage Liability Coverage will cover any expenses that arise from that damage. If somehow the situation goes into litigation where you must go to court and resolve this then this type of coverage will also cover those expenses as well.
UnInsured Motorist Coverage:
If there was a hit-and-run driver involved and you could not get their information then this will also cover the damage caused by them. May also provide coverage if the driver at fault is underinsured (has drivers insurance but not sufficient coverage)}}.
The automobile insurance agency that you deal with may also offer many more options for other types of coverage that you can add on to your car insurance plan:
Mechanical Breakdown Insurance
There is another option call Mechanical Breakdown Insurance and if your car breaks down for any reason during its normal lifespan this will take care of the expenses that will be mandatory to fix it and get it up and running normally again.
Rental Reimbursement helps provide you with a substitute rental car when your car is being fixed after a car crash.
Emergency Roadside Service
Like AAA service this coverage will take care of services such as no gas, being locked out of the car, emergency towing, etc.. Your auto insurance company may or may not have these additional options available to you for your policy. It will vary from insurer to insurer..
Are there ways to get you the most savings for your car insurance?
Of course. Online is where you want to be when looking for cheap auto insurance quotes.