Finding Auto Insurance Coverage That Fits Your Needs

Family Life Insurance

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.

Collision Coverage

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.

The Takeaway

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.

Auto Listings
Motorcycle Listings
Life Listings
Health Listings
Home Listings
Small Business Listings

1 Comment

  1. There is a lot to consider when looking for a hybrid car. My suggestion is to make a pro and con list and see where gasoline prices land on the scale for you. I know that if I was able to take a conveniently located and timed train to work I would. Unfortunately, not many people have that luxury. This makes a hybrid car a great option for those that want the ease of an electric car convenience and the ability to fill up if you are not near a charging station. With gas prices on the rise, traffic increasing every day, and little to no time left after work this makes a great option for any busy worker! The next step is to use Insuravita to find the insurance that will fit your needs. We recommend reading the details here

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.


Home Insurance: Climate Change a “Hot” Topic at Final 2019 Debate

January 14, 2020

Climate Change is one of those buzz phrases that we hear all the time. The conversation has been happening for years, but it has been hard to get people on…

Read More

Guide to Open Enrollment: Making Sure You Are Insured for Next Year

December 3, 2019

‘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

Life Insurance Needs Assessment: Top 5 Reasons You Need Life Insurance

November 24, 2019

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

Health Risks and Insurance Costs of Vaping: Is It Really “Cool to Vape”?

November 14, 2019

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

Evaporated into Thin Air: Unseen Effects of Vaping on Health Insurance

October 31, 2019

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

Save on Car Insurance: Top 5 Ways to Secure a Cost-Effective Auto Policy

October 17, 2019

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

All Risk Home Insurance Coverage: It’s a Risky Business to Go Without

October 15, 2019

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

Gap Coverage 101: What You Need to Know About Health Insurance

August 22, 2019

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