Finding Auto Insurance Coverage That Fits Your Needs
As a driver, our worst fears come from the unseen outcomes that can result from being on the road. Accidents happen every day. We hope to avoid them, but it is often out of our control. This is a risk that we all face. This is why car insurance companies came into play- to protect drivers without them incurring the burden of so much expense. Insurance policies can protect the driver, passenger, and the vehicle in the event of an accident. Of course, this depends on the coverage. Here is the ultimate guide to finding auto insurance coverage that fits your needs.
Comprehensive Auto Insurance
This auto insurance coverage covers your vehicle in situations like theft, fire, natural disasters, vandalism and more. If your vehicle is damaged, this insurance plan will help you pay to fix or replace the damaged parts up to the standard requirement. A stipulated deductible amount is usually paid before the auto insurance company pays you your claimed damages.
Medical Payments Coverage
If you get into an accident when driving an insured vehicle, both you and your passenger are eligible for insured medical assistance from your auto insurance company. Your medical payments coverage will take care of all expenses accompanying your treatments, tests, surgeries and more.
Personal Injury Protection
Also known as the PIP, the Personal Injury Protection is an advanced form of the medical payments coverage. In addition to helping you cover your medical bills, the PIP covers other expenses that result from the accident like lost income or child expenses. Your auto insurance company fully assists you to recover these expenses. This auto insurance coverage type is not available in all states so you will have to do some research.
This type of auto insurance applies to situations where you run into or collide with obstacles, like walls or other vehicles. Your insurance company will be liable for repairing your vehicle or replacing it up to market standards as long as it is covered within the insurance policy. Of course, this is only applicable after you’ve paid your deductible towards your stipulated claims.
Whatever the coverage you choose, make sure it fits your needs. Consider where you live and how often you drive. Also, think about your driving history and your health insurance deductibles. Do you need extra coverage in the event that something should happen? Explore your options. These policies have saved a lot of families thousands of valuable dollars and have kept them on the road.
‘Tis the season! That doesn’t just apply to the holidays, but also to health insurance. You have probably heard the phrase “open enrollment” tossed around either on the news or…Read More
We are all guilty of procrastinating every now and then. Especially when it comes to the somewhat morbid topic of life insurance. We all know that our death is an…Read More
For decades, smoking has been advertised as cool, sexy, and trendy. With the invention of the e-cigarette, tobacco companies did not stray from their tried and true marketing strategy. Plus,…Read More
Among many of the world’s new inventions, e-cigarettes have become a new craze. A recent article from Reuters reported that roughly 1 in 20 Americans are currently vaping or using…Read More
We are all trying to save more money, but sometimes there don’t seem to be any areas to cut back. One avenue to explore is ways to save on car…Read More
We have all heard the horror stories about people not buying specific insurance coverage and then losing their homes to a tragedy. After an earthquake in California, our neighborhood chat…Read More
Mind the Gap There are several situations in life that cause people to either change their health insurance, end their health insurance, or have a gap in coverage. I recently…Read More