Frequently Asked Question (Insurance)
What does Personal Liability mean?
What does Property Damage Coverage cover?
What does Bodily Injury Coverage cover?
What is comprehensive coverage?
What is Collision coverage?
What is Uninsured Motorist coverage?
What factors affect the rates I pay for coverage?
What does the DMV actually do?
What does Personal Liability mean?
Liability insurance covers injuries or damages caused by you the driver. Your insurance provider will pay any costs related to an accident in which you are at fault.
Liability insurance is essential to have and many states require it.
back to questions
What does Property Damage Coverage cover?
Property damage liability is
insurance that covers any damage you cause to vehicles, homes, garages, mail boxes, telephone poles, signage or other objects. It?s a good idea to carry it.
Many states require that you do.back to questions What does Bodily Injury Coverage cover?
All drivers should have liability coverage for bodily injury. If you
were to ever hurt or kill someone while driving, your insurance provider would pay for costs such as hospital and doctor bills,
legal fees, and court costs. Insurance policies have different restrictions.
Consult with your insurer if you have questions.back to questions
What is comprehensive coverage?
Comprehensive insurance
covers the cost of repairing or replacing your vehicle when it has been damaged by something other than a collision (fire, theft, storm, etc.) It pays only the
depreciated value of the vehicle (how much it is worth
at the time), minus the amount of deductible you carry in your insurance policy. This type of policy is necessary if you own a new or expensive vehicle.
back to questions What is collision coverage?
Collision insurance pays the cost of repairing or replacing your
vehicle when it has been damaged in an accident you caused. It also compensates you when you cannot collect from another driver who caused the collision. Important for new or expensive vehicles.
back to questions What is Uninsured Motorist coverage?
With uninsured motorist coverage, your medical expenses
will be covered if you are injured by someone else who does not have insurance. This also covers any injuries you suffer as a result of being the victim of a hit-and-run accident. Some states require all drivers to
carry this insurance.back to questions What factors affect the rates I pay for coverage?
The insurance premium one pays
depends on several factors. Preventing Automobile Theft
The easiest way to prevent theft of your vehicle is to remove the keys and lock the doors. A vehicle alarm system will scare off intruders but may not prevent
break-in damage. Many drivers are now using The Club?, a bar that is secured onto the steering wheel, making it impossible to drive the vehicle. Thieves can see it through the window before doing any damage.back to questions What does the DMV actually do?
Your state department of motor vehicles administers and enforces the existing
laws which regulate your drivers license and car registration.
If you have any questions about your license or registration, visit the web site in your home state and get help.back to questions |
