Auto Insurance Near Me

General information on auto insurance

Auto insurance can be simply described as a policy all vehicle owners must have to operate a vehicle. The introduction of auto insurance has made a difference whereas the resolution of car accidents was concerned. Today, a valid car insurance policy is imposed by the law, as it offers the best possible protection in case of accidents. All the states have a mandatory liability insurance act that regulates such policies, but also establishes the legal consequences incurred upon driving without insurance. These consequences include legal fines of up to $1,000 or the suspension of driving documents, such as the driver's license or vehicle registration, for a period of up to six months. If you are interested in discovering more information on the topic of auto insurance, all you have to do is keep on reading.

Who needs auto insurance?

According to current United States laws, all drivers must possess a valid insurance policy. This is something you are obliged to have, especially if you will find yourself in an accident for which you are fault. Each state within the US has a minimum auto liability coverage, but many vehicle owners choose to increase their coverage limit. In some states, additional coverages, such as uninsured motorist coverage or personal injury protection, are also imposed by the law. It is also important to remember that car insurance offers financial protection, should the accident lead to legal fees, medical expenses, or lost income.

What does auto insurance cover?

Many vehicle owners are confused when it comes to choosing a particular insurance policy, especially since they are not certain about the coverage. Every state also imposes a minimum requirement for each option. In the paragraphs below, we will explain the different options and what they entail.

Property damage liability

Let's say you swerved on the road to avoid a deer and ended up smashing into your neighbor's fence. Naturally, he will expect you to fix it. This is exactly a situation where property damage liability insurance can save you. By having such a policy, you are covered for the damage that you might cause to someone else's property. Most states require vehicle owners to have this type of insurance, but you must remember that it doesn't cover the damage to your own vehicle.

Uninsured/underinsured motorist coverage

This type of coverage might come in handy in the situation that the at-fault driver cannot cover the associated expenses through the liability coverage. It can save you from having to cover the expenses related to accident you didn't cause. The value of this optional coverage increases in proportion with the number of uninsured drivers in the respective state. Underinsured motorist coverage will help you cover expenses, should the accident be caused by an underinsured driver. The liability limits will vary, as each state has its own definition of underinsured.

Collision coverage

Collision coverage refers to an insurance that will reimburse you for damages sustained to your vehicle, should an accident occur due to the fault of another insured driver. In most states, this can be added as an option to the basic auto insurance, protecting drivers from damage caused by collision. It is worth mentioning that this type of insurance does not cover the damage incurred through vandalism or theft. The damage incurred from potholes or accidents involving inanimate objects might be covered.

Comprehensive coverage

The comprehensive insurance provides coverage for damages incurred to the vehicle, except for collision. For instance, this policy can be useful should a vehicle be damaged by weather events, such as a tornado. Run-ins with wild animals, vandals, break-ins, collapses are among the other causes for which coverage might be provided. Just like collision coverage, comprehensive insurance is required when drivers finance a vehicle purchase. A higher deductible for this option will lead to a lower premium.

Bodily injury liability

Should you be responsible for a car accident, the bodily injury liability will cover the medical expenses of those who have been injured. It will also cover the legal fees associated with being sued for damage and the loss of income. This type of coverage is included in most auto insurance policies, being enforced by the law.

Rental reimbursement

If your vehicle is being repaired as coverage from an insurance claim, you might be able to benefit from rental reimbursement. This is an optional policy, and it can help you cover transportation expenses, whether these involve rental vehicles or public transportation. It is only available when you have suffered a covered loss.

Medical expense coverage

The medical expense coverage will help you cover the medical expenses of passengers, should a car accident occur. It is worth remembering that this coverage is optional, so you will need to pay extra for it. Not all the states have it. It covers: health insurance deductibles, co-pays, doctor/hospital visit, surgery, X-rays, prostheses, ambulance/emergency fees, etc.

Personal injury protection

Personal injury protection is also known as the "no-fault insurance" and it covers healthcare expenses incurred through a car accident. It is important to mention that it covers the medical expenses for both the policy holder and the passengers who were in the vehicle, whether they have health insurance or not. There is a minimum coverage amount and a limit whereas the number of persons covered is concerned.

Death indemnity

Death indemnity is an optional coverage which offers death benefits to both the policy holder and the passengers, should the worst-case scenario occur. The insurance provider will cover the costs of the funeral for both the driver and the passengers. Keep in mind that the coverage is provided, no matter if the accident was caused by you or you were just a victim. You are free to choose the coverage limit, in accordance with the other options included in your policy.

We can help!

If you are looking for auto insurance but you don't know where to start, you might consider our expert assistance. With years of experience and knowledge accumulated in the field, we are more than pleased to match vehicle owners with the best policies for their needs and budget. We can help you find the right car insurance, all you have to do is just give us a call. This service is 100% free, so it would be a shame not to take advantage of it.

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