Understanding Vehicles Insurance | All about Car Auto Insurance - Insurance-Alerts.com
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Understanding Vehicles Insurance | All about Car Auto Insurance

Car Insurance oh great day you just spent the last eight hours sitting on the beach watching the waves you're all packed up and heading back to the hotel when BAM the guy in front of you slams on his brakes okay no need to worry
Understanding Vehicles Insurance | All about Car Auto Insurance
Understanding Vehicles Insurance | All about Car Auto Insurance
you've got insurance but wait a
second this isn't your car does your insurance cover rental cars did you make the right decision on rental car insurance the good news is most personal automobile policies extend coverage to rental vehicles covering you for both collision and other than collision
losses also known as comprehensive
provided you have those coverages on atl east one vehicle on your auto policy
typically your policy is comprehensive
and collision coverages will extend to
you and other members of your household

who are operating the rental car however
if you don't have full coverage on at
least one vehicle on your personal auto
policy you may need to look into
purchasing the rental companies
collision damage waiver or CDW
when people use that term they often
mean a combination of various types of
coverage but full coverage doesn't
actually exist

don't worry though plenty of auto
insurance options do exist to help
protect you let's talk about a few cause
an accident liability coverage is
designed to cover injuries or damage to
another person or their property in an
accident you caused hmm what about your

car if you've caused an accident
collision coverage can help pay for your
vehicles damage maybe your car's damaged

but not from a wreck if your car's
stolen or if something falls on it
that's where comprehensive coverage
comes in uh-oh an uninsured driver
rear-ended your car don't worry
uninsured and underinsured motorist
property damage coverage may help in
that scenario medical payments coverage

or personal injury protection may help
pay for medical bills and other costs if
someone gets hurt

worried about your new car getting
totaled right after you buy it you'll
want to check out new car replacement
coverage let's say your car is in the
shop for repairs after you get into an
accident covered by your policy that's
when rental car reimbursement coverage

would be helpful and if you're looking
to be as protected as possible there are
even more optional coverages to choose
from so to recap there are several kinds
of auto insurance coverage you can
select including liability coverage
collision coverage comprehensive
coverage uninsured and underinsured
motorist coverage medical payments
coverage personal injury protection new

car replacement coverage rental car reimbursement and more

getting the right car insurance is a bit
more involved in finding the lowest
price it's important that you get the
right coverage for your situation and
first you need to understand what's
available there are five main categories
or types of auto insurance coverage
let's go through them liability coverage
is the most common because almost every state requires you to carry some minimum amount in order to drive legally

liability coverage pays for the damage
you caused in an accident when you are
at fault

specifically liability coverage will pay
for bodily injuries and property damage
of others
remember that liability insurance does
not cover any of your damages it
protects others from damage you caused
and also protects you financially
without it you can be on the hook for
the entire cost of an accident
out-of-pocket collision coverage is the
second most common type of car insurance
coverage it will pay for damages to your
car from an accident even if you were at
fault as the name implies collision
coverage pays for damage incurred when

you're driving and collide with another
object no losses from non crash stuff
like that or weather damage are not
covered by your collision insurance for
those things you'll need something
called
comprehensive coverage kicks in to cover
losses that are totally out of your
control like collision coverage
comprehensive coverage is optional it
will protect you from losses due to fire
vandalism theft hitting an animal or
damage caused by certain natural
disasters but comprehensive coverage
won't cover everything for example most
policies will not cover damage due to
freezing even though it's
weather-related comprehensive coverage
usually doesn't cover breakdowns either
you should find out what is excluded
before purchasing comprehensive coverage
is often more attractive to drivers of a
new or expensive vehicle some lenders
may even require comprehensive coverage
as a condition of financing or vehicle
to recap we've gone over liability
insurance which covers damage you do to
others collision insurance which covers
crash related damages to your car
and comprehensive insurance which covers
certain unpredictable damages to your
car but what about injuries suffered by
you or your passengers if you weren't at
fault
the other drivers liability coverage
should pay for your damages but you can
purchase your own medical coverage for
additional protection medical coverage
is usually optional but certain no-fault
states will require you to buy a form of
it called personal injury protection the
personal injury protection is also known
as no-fault insurance because like
medical coverage it will pay the costs
of treating your injuries regardless of
who is at fault in impacts
finally uninsured or underinsured
motorist coverage will protect you
against the risk of being hit by an
uninsured or underinsured driver it's
estimated that almost 15% of American
drivers do not carry the legal minimum
amount of car insurance as required by
their state if you are hit by one of
these people you won't be able to
collect from a liability policy they
don't have uninsured motorist coverage
will pay for your medical expenses and
lost wages many states now require
uninsured motorist coverage for bodily
injury but you might have the option to
purchase it for property damage as well
underinsured coverage kicks in when your
head and your damages and expenses
exceed the limits of the at fault
drivers liability coverage when you're
shopping for an auto insurance policy
make sure you know exactly what you're
getting and why find out what is covered
what is excluded what you need to stay
legal and what you need to stay
protected financially
you
road-test past time to drive off into
the sunset right not quite
first there's the auto insurance to sort
out and when you're a young driver
getting on the road for the first time
it can be pretty tricky to find an
affordable policy the fact is as a whole
young drivers have more accident
so insurers charge more because of the
higher risk but are all young drivers
really the same at ? Our ingenie we don't
think so we believe you should pay based
on how you actually drive not how the
statistics say you might drive so that's
what we do we give you savings for being
a good driver and just so it's
absolutely fair those who don't drive
well could see their billing increase
how does it work at first we send you our
ingenie smart box to install in your
car this collects data on things like
speed braking accelerating and cornering
we then build up an accurate picture of
your driving style so you can understand
the kind of driver you are we're not
that interested in where you were last
Tuesday 2:00 in the morning we're
interested in how you were driving we
focus on the trends and patterns in your
driving but simply how you use the
pedals and steering wheel every 10 days
we send you feedback through the
ingenie mobile app letting you know where you're
doing well and where you might need to
improve we'll also update your driving
score out of 100 and tell you whether
you're on track to save and how much it
could be rather than having to wait 12
months like with traditional insurance
your billing is reviewed every three
months and they keeping driving well
you'll get money off that's the really
great part you're in control
the better you drive the better the same
up to 25 percent off by the end of the
year sounds good right well there's more
we also give you an extra discount at
the end of the year if you've driven
really well so being a young driver
doesn't have to mean expensive insurance
with practical advice to help improve
your driving we're on your side
with ingenie driving well means paying
less get your quote now and see how much
you could save
next time you start planning your
getaway be sure to keep these helpful
tips in mind so that you can decide the
best way to handle insurance coverage on
your rental car ask the rental car
company about their terms ahead of time
so you know your financial
responsibilities in the event of a loss
be sure to inspect the vehicle before
leaving the lot and no any damage in
your rental agreement so you're not
stuck paying for someone else's mistake
if you prefer to rely on your own
personal insurance policy as coverage
carry a copy of it with you on your trip
both as proof of insurance and as a
handy source of the terms of coverage
most importantly contact your
independent insurance agent they can
guide you and making sure your rental
vehicle is properly insured so you can
travel you
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