Car Insurance FAQs
You probably know the basics of car insurance, but there are still many questions about car insurance that remain unanswered. Such as: What happens if I see a dog run into the street in front of my car? Am I legally required to purchase liability insurance on my vehicle or can I just purchase collision and comprehensive? And what actually is “collision” and “comprehensive” coverage for? This post will answer these questions and more.
Car Insurance FAQs: Everything You Need to Know About Car Insurance
If you have a car, then you need to have auto insurance. Car insurance helps cover the costs of property damage and bodily injury to both another party and to you, if you’re in an accident. It also covers car towing services, should you be in an accident. If you have any doubts about whether or not you need car insurance, consider this: According to the National Highway Traffic Safety Administration, 26 percent of fatal accidents from 2006 to 2007 were the result of a driver who was driving without insurance. That’s a lot of money spent on ambulance rides and burials.
But where do I start? You have a number of options when it comes to car insurance. Here is a list of some of the most common policies that you may have heard of:
Collision Coverage: This type of coverage pays for damages and injuries to other people and their property caused by your car. This is probably the most common form of car insurance, but it’s also one of the most expensive. It covers you in a collision with another vehicle or with a stationary object such as a tree or building.
Comprehensive Coverage: This type covers you for any perils caused by your car, such as theft, vandalism, fire and perils related to accidents. It also covers damage to your car from its equipment malfunctioning (called “towing and labor coverage”). This is not a very common form of insurance, but it’s worth considering.
Collision and comprehensive coverage are both forms of property damage liability insurance. They cover the damages and expenses that you may incur from an accident involving your car and another party.
As you can see, there are many options when choosing a policy that is right for you. It is important to shop around in order to find the best price on all the different types of coverage options available to you so that you pay as little as possible for full coverage.
But what exactly is property damage liability insurance coverage?
Does it cover my dog?
If you’re the kind of person who leaves your dog in the driveway while you run back inside to get your wallet, then you definitely need to purchase liability insurance. Your dog could hurt other pedestrians or bicyclists, and if an accident occurs, your deductible might make you unable to make a claim. Liability insurance helps you pay for any property damage, medical expenses or legal fees that your dog may incur because of your negligence.
As with all other forms of car insurance, you have several different options to choose from. You can purchase collision coverage in addition to comprehensive coverage to cover your dog. Or you can get a policy that includes liability coverage, which will protect both you and your dog if an accident occurs.
Who are the best people to talk to for advice? Your friends or family members who own cars are generally great candidates because they’ll be able to tell you about their experiences and whether they recommend certain policies or companies over others. You can also get advice from an insurance agent, or from your local DMV or driver’s education instructor.
What questions should I ask to get the best information?
How much does it cost? What are the additional fees?
How long is the deductible (the amount you pay towards something before your coverage kicks in)?
Will my coverage be affected if my dog causes an accident while away from home?
What exactly does the policy cover? Is there anything that is left out? Like liability for example.
Do I need any special forms for emergency medical treatment or prescriptions?
Does the insurance company offer other types of protection, such as roadside assistance, rental car reimbursement, etc.
What if my pet is no longer a puppy? What if he gets older? What if he dies? Can I get my money back for the rest of his puppy years?
As you can see, there are many things to consider when purchasing car insurance. You can speak with others for advice and find out what they’ve learned in the past, or you can simply do your own research and find out what best fits your needs. If you do have questions, then ask them in order to get answers. It’s important to remember that “what-if’s” do happen that could change the way you use a policy once it kicks in.
What if I see a dog run into the street in front of my car? Am I legally required to purchase liability insurance on my vehicle or can I just purchase collision and comprehensive?
This is a good question. It’s one that many people have, although it’s not always an easy one to answer. Under most circumstances, you will be required to purchase liability insurance on your vehicle if you have an accident that results in injury or death. If you don’t have this type of coverage, then you may be able to get away with only purchasing collision and comprehensive coverage.
If you’re wondering whether or not you need liability coverage, then you must do your homework and shop around. You can speak with your friends and family members, as well as an insurance agent or DMV representative. It’s always better to ask questions when buying anything related to your car. With the right information, then the answer will be easy to find.
What is coverage for my bike?
When it comes to bike insurance, the same rules apply as they do for car insurance, only they may be a little different depending on what type of bike you own i.e.
Conclusion
When it comes to car insurance, there’s no question that there are many things to consider. All of those factors could influence the type of coverage that you choose. But the bottom line is always the same: if you want to save money on car insurance, go and ask around. Speak with friends or family members who are currently insured, and gain their opinions and experiences. Just like in life, it’s always better to be informed than uninformed!
The content of this article is based on many different sources of information including articles on auto insurance from www.policiesandcosts at www.hagerty.com , information found in various articles by Larry Snyder on driving at www .drivingatlas .
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Car Insurance FAQs