Insurance Coverages Auto

Top FAQs for Insurance Coverages Auto

Auto insurance basics—understanding your coverage | III

The basic personal auto insurance mandated by most U.S. states provides some financial protection if you or another driver using your car causes an accident that damages someone else’s car or property, injures someone or both.

But to make the best decisions about purchasing other types of auto insurance coverage you might need, you’ll want to understand what’s covered, what’s not covered and what’s optional. In addition to understanding types of coverage, you’ll also want to consider coverage amounts.

Here’s a rundown of the types of coverage available—some are required; others are optional; all are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget.

Property Damage Liability — This coverage will reimburse others for damage that you or another driver operating your car causes to another vehicle or other property, such as a fence, building or utility pole.

Uninsured Motorist Coverage — Reimburses you when an accident is caused by an uninsured motorist—or in the case of a hit-and-run. You can also purchase under insured motorist coverage, which will cover costs when another driver lacks adequate coverage to pay the costs of a serious accident.

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Car Insurance Coverage Types | Progressive

Learn more about the different types of car insurance coverage that Progressive offers, including how they apply in real-world scenarios.

Car insurance coverages vary based on your state and individual needs, but nearly every policy contains liability coverage. Most policies protecting a financed vehicle will also include comprehensive and collision coverage. Liability is a required auto insurance coverage in 49 states, while comprehensive and collision are optional coverages if your car is paid off. Uninsured/underinsured motorist coverage, medical payments, and personal injury protection (PIP) may also be mandated, depending on your state. Here are the important coverage options for standard auto policies:

Liability coverage is required in all states except New Hampshire and can pay for injuries or damages you cause while driving, up to your policy’s limits. Liability coverage on your auto insurance policy protects you in two ways:

Example: You lose control of your vehicle and hit your neighbor who is standing in their driveway, along with their car and mailbox. Liability coverage will cover your neighbor's injuries and the cost to repair their mailbox and vehicle. Learn more about auto liability coverage.

Example: You hit a deer and wreck your front bumper and windshield. The damage totals $2,500 and your deductible is $250. Progressive can pay the difference of $2,250. Learn more about comprehensive coverage.

Example: Your car skids on an icy highway and plows into a guardrail, causing $5,000 in damage to your vehicle. If your deductible is $500, we'll pay you up to $4,500. See more about collision coverage.

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6 Types of Car Insurance Coverage | Allstate

Web5. Medical payments coverage. If you, your passengers or family members who are …

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Auto Insurance Guide

Simply stated, automobile insurance is a contract between you and your insurance company that protects you against financial loss if you are in an accident. Auto policies contain a variety of coverages that can be purchased depending upon your needs and wants. You agree to pay the premium, and in return, the insurance company agrees to pay for certain expenses as defined in your policy. Having the right insurance coverage may prevent you from suffering a large financial loss in the event of an automobile accident.

Drivers must purchase and maintain car insurance in order to legally drive in Pennsylvania . Under Pennsylvania law, this is called maintaining “financial responsibility” on your vehicles. A lapse in insurance coverage may result in the suspension of your vehicle registration privilege for three months, unless the lapse of insurance was for a period of less than 31 days and the owner or registrant proves to the Department of Transportation (PennDOT) that the vehicle was not operated during this short lapse in coverage.

If PennDOT determines that you operated your vehicle without the required insurance, your driver’s license may be suspended for three months. Also, your car’s license plate, registration sticker and driver’s license must be surrendered to PennDOT in order to serve the suspension. Restoration fees and proof of insurance must be submitted prior to having either registration or driving privileges returned.

Medical Benefits — This pays medical bills for you and others who are covered by your policy, regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available if you so choose.

Bodily Injury Liability — If you injure someone in a car accident, this coverage pays their medical and rehabilitation expenses and any damages for which you are found liable. The minimum limit is $15,000/$30,000. The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident.

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Car Insurance Coverage: Auto Coverage Types & More | GEICO

Category: An Auto Insurance Policy Can Provide Coverage For: Accidents Medical Expenses Understanding Your

Learn more about car insurance coverage. We'll help answer things like: What is car insurance? What types of coverages are available with your auto insurance policy?

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With so many different coverages, it's hard to know what's right for you. Understanding the different types of coverages can help you find the right car insurance policy for your needs and budget. Learn about types of auto insurance coverage with GEICO.

Car insurance helps provide financial protection for you, your family, other passengers, and your vehicle. You can choose the amount of protection by selecting your coverages and limits. An auto insurance policy can provide coverage for:

Your auto insurance policy consists of multiple coverages that provide protection in different situations involving your vehicle. Coverages have different limits and may have deductibles. Specific coverages and limits may also be required by a lienholder or lender.

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What is covered by a basic auto insurance policy? | III

While different states mandate different types of insurance and there are several additional options (such as gap insurance) available, most basic auto policies consist of: bodily injury liability, personal injury protection, property damage liability, collision, comprehensive and uninsured/underinsured motorist.

Bodily injury liability coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. It's recommended that policyholders buy more than the state-required minimum liability insurance, enough to protect a-sets such as your home and savings.

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

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How to Choose What Auto Insurance Coverage Levels You Need | Reviews.com

Category: Auto Insurance

Choosing the right auto insurance coverage levels keeps you legal on the road, and can help protect your personal a-sets in the event of an accident.

Choosing the right auto insurance coverage levels is important not only to keep you legal on the road, but to keep your personal a-sets protected in the event of an accident. This guide will help you balance cost with coverage.

Every state determines its own laws regarding what types of coverage it requires its drivers to hold, and what level it requires of each. No matter how much insurance you decide is appropriate for your circumstances, it’s important to make sure you meet at least the minimum requirements for your state where your car is registered.

When it comes to car insurance, you’re paying for protection, so don’t a-sume the minimum coverage required by law is the same thing as the level of coverage to feel adequately protected. Think about it this way: If you get into an accident, you’re not going to be asking if you have the state’s legally required minimum coverage. You’re going to want to know whether you will have to pay out of pocket for the damage you unintentionally caused. In many cases, state minimum coverage simply isn’t enough.

Overall, as you choose your coverage levels in each category, it is important to cover all of the financial a-sets you have that would be at risk from a large insurance claim by protecting your net worth. You may also want to consider whether you want to extra coverage in case an accident extends to a civil lawsuit.

Injuries caused by accidents have a wide range of potential costs. In a fender bender, there could be little to no expense, while a more serious accident could result in a claim demanding hundreds of thousands of dollars for someone like a surgeon or other highly paid professional who suffered an injury that put them out of work. This is why it’s helpful to reframe the question of how much coverage to get as a question of how much you personally have to protect.

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Auto Coverages - Auto-Owners Insurance

Lock your keys in the car? Run out of gas? No Problem®! If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, we will provide the service you need. Customers with this coverage can call us at 1-888-TOW-AOIC (1-888-869-2642), 24 hours a day, 7 days a week, 365 days a year in all 50 states and Canada.

When you can’t use your vehicle due to an accident, the additional expenses can add up fast. This coverage helps pay for a rental car. And, if you’re stranded away from home, food, lodging and other incidental expenses will be covered.

The second you drive your new car off the lot, it begins to lose value. If you are involved in an accident, you’re liable for the difference between the current value of your vehicle and the amount still owed on your lease or loan. That difference between value and the amount still owed is covered by this endorsement.

If your car is involved in an accident, it might not be worth as much as it was prior to the accident, even after the repairs are made. This coverage protects your investment, ensuring that you are compensated for a reduction in value.

Make life easier by packaging optional coverages for one competitive rate. This package includes over 10 additional coverages and protects you from incurred expenses such as identity theft, re-keying locks, replacing your cell phone and more.

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Car Insurance - Start a Free Auto Insurance Quote | GEICO

Get a car insurance quote - typically in 15 minutes or less. Switch to GEICO for an auto insurance policy from a brand you can trust, with service you can rely on.

We all need auto insurance, and the best place to start is with a free car insurance quote. Whether you're looking for cheap car insurance rates, personalized vehicle coverage, or great service, GEICO has you covered for it all!

Deductible amount: Depending on the coverage, you should think about how much you're able to pay to help repair your vehicle. In most cases increasing your deductible could lower your bill.

If you own a car, you need auto insurance. A car insurance policy helps provide financial protection for you, and possibly others if you're involved in an accident. All it takes is a few minutes to get a personalized car insurance quote with the best rates, discounts, and options available to you.

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Auto Insurance Coverage Types 🚗 Dec 2022

Category: Car Insurance

Auto Insurance Coverage Types - If you are looking for the best deals on car insurance then our service can provide multiple quotes.

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Car Insurance Coverage Explained | Erie Insurance

An auto policy from Erie Insurance goes beyond standard coverage with loads of extra protection features, giving you benefits you won’t always find in other typical policies.

An auto policy from Erie Insurance goes beyond standard coverage with loads of extra protection features, giving you benefits you won’t always find in other typical policies. Learn about what benefits are already built in (plus, how you can customize your auto coverage for even more personalized protection).

If you cause an accident and other people are injured due to your negligence, bodily injury liability coverage helps protect you against any claims for damages, such as medical expenses, lost wages, and pain and suffering.

If you or others covered on your policy are injured in an accident in your vehicle, there’s a coverage that reimburses for medical treatment. It’s called medical payments coverage or personal injury protection (optional in some states).

Uninsured or underinsured motorist coverage (optional in some states) is for your protection. If you’re injured by a hit-and-run driver or a driver who does not have auto liability insurance, you’re covered by uninsured motorist coverage. Underinsured motorist coverage pays when the other person doesn’t have enough coverage to cover the entire cost of your injury claim.

Collision coverage is used when your car collides with another car or object or flips over. So, if you have a newer vehicle, are on a lease or still owe on your car loan, you’d likely want both comp and collision.

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Coverage Types & Policies | Allstate Insurance

WebCovers liability above and beyond your auto policy's liability underlying limits. Rental …

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Six Types of Car Insurance Coverage

Car insurance is meant to protect financially you if you're involved in an accident. Learn about six types of car insurance coverage and what they do.

Charlene Rhinehart is an expert in accounting, banking, investing, real estate, and personal finance. She is a CPA, CFE, Chair of the Illinois CPA Society Individual Tax Committee, and was recognized as one of Practice Ignition's Top 50 women in accounting. She is the founder of Wealth Women Daily and an author.

An automobile insurance policy can protect you against financial losses if you're involved in an accident. Auto policies consist of several types of coverage, often six in total. Depending on the state where you live, some of these coverages may be mandatory, while others will be optional.

Bodily injury liability insurance is designed to pay medical expenses for someone else if you injure them in an accident where you're deemed to be at fault. This coverage can apply to you and to anyone else listed as a driver on your policy.

If you or a passenger in your vehicle are hurt in an accident, medical payments or personal injury protection coverage can help pay any resulting medical bills. This type of coverage can also cover lost wages if you or an injured passenger are unable to work or funeral expenses if someone in your vehicle dies because of an accident.

While property damage liability insurance pays for damage to someone else's vehicle or property following an accident, collision coverage pays for damage to your own vehicle or property. That can include damages caused by a collision with another vehicle or hitting a stationary object, such as a tree or fence.

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Texas Car Insurance | Get a Quote | Liberty Mutual

Category: Car Insurance Coverage

WebDrivers in Texas are required to have the following car insurance coverage: bodily injury, …

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Automobile insurance guide

Category: Auto Insurance

Automobile insurance guide

Automobile insurance protects you financially by paying the other driver’s car repair and medical bills if you cause an accident. Depending on the kind of coverage you have, it can also pay to repair or replace your car if it’s damaged or stolen.

Texas law requires drivers to show proof they can pay for the accidents they cause. Most drivers do this by buying auto liability insurance. Liability insurance pays to repair or replace the other driver’s car, or other damaged property, and pays other people’s medical expenses when you’re at fault in an accident.

Liability coverage pays to repair the other driver’s car if you caused the accident. It also pays the other driver’s and his or her passenger’s medical bills and some other expenses. Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.

Think about buying more liability coverage. The minimum liability limits might be too low if you cause a multi-vehicle accident or the other driver’s car is totaled. If you don’t have enough liability coverage to pay for the damages and injuries you cause, you might have to pay the rest out of your own pocket. The other driver could sue you.

Personal injury protection (PIP) coverage is similar to medical payments coverage. It pays your and your passengers’ medical bills. But it also pays for things like lost wages and other nonmedical costs. All auto policies in Texas include PIP coverage. If you don’t want it, you must tell the company in writing.

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Does Car Insurance Cover Windshield Replacement? | LoPriore Insurance Agency

Does car insurance cover windshield replacement? Learn more about the types of auto insurance that will cover a windshield replacement.

When you’re traveling at 65 mph down the highway, it doesn’t take a boulder to crack your windshield. Highway debris kicked up by the tires in front of you or a piece of gravel from a dump truck can collide with your window at high speed and cause a chip or significant crack. Windshield damage is the second most common car insurance claim in the US. Still, whether or not your car insurance policy will cover windshield replacement depends on the type of auto insurance you have.

Often, when a small piece of debris hits your windshield, it makes a small crack or chip. While it probably made a loud sound and made a blemish, it might not seem particularly dangerous. Unfortunately, these small cracks and chips often widen after a few days, creating long cracks that snake across a large portion of the windshield.

To determine whether you need a repair or replacement, time is of the essence. You can take your car to a qualified windshield specialist for a professional opinion about the services you need. If you’re a-sessing the damage yourself, the National Windshield Repair A-sociation (NWRA) states that a chip or crack smaller than a dollar bill can generally be repaired.

Whether your windshield replacement will be covered by insurance depends on your insurance type and the incident that caused the damage. Massachusetts law requires all drivers to purchase four compulsory auto insurance coverages. Required coverage includes bodily injury to others, personal injury protection, bodily injury caused by uninsured auto, and damage to someone else’s property. These policies do not provide coverage for window replacement, but you may have other coverage that does. Many drivers choose to purchase optional insurance coverage that helps them protect their investments in their automobiles.

There are many reasons that windshields get broken. Often, a flying piece of debris will come out of nowhere and collide with your windshield. You might never see what caused the damage or where it came from. Other causes of windshield damage are collisions with wild animals like deer, falling debris or limbs, or even an object thrown by a nearby lawnmower. Comprehensive auto insurance typically covers windshield damage caused by incidents other than a collision.

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Insurance Commissioner Lara’s inaction is causing an auto insurance coverage crisis – Orange County Register

Category: Car Insurance

Immediate action is necessary to prevent a full-blown coverage crisis, where consumers struggle to find auto insurance policies they need.

Who wants to pay more for car insurance? I don’t. And neither do any of the customers I serve as an independent insurance agent. But a potential auto coverage crisis is brewing in California that could hurt consumers —all because the Insurance Commissioner is playing politics rather than doing his job to ensure a robust, balanced insurance marketplace where consumers benefit from plenty of coverage options.

Commissioner Ricardo Lara refuses to approve rate plans that have been on his desk for more than two years. As a result, the market is imbalanced, and providers are pulling out or cutting back – reducing availability and options for consumers.

Today, Californians are driving again at pre-pandemic levels. But unfortunately, the severity of auto accidents has increased, and across the nation, fatalities from car crashes soared by the largest annual increase ever. Repair costs have also gone up due to inflation and supply-chain disruptions.

Yet for the past two years, Commissioner Lara has refused to even review more than four dozen pending auto insurance rate filings requested by the state’s leading insurance providers – neglecting the insurance plans that collectively provide coverage to about 75% of California drivers.

As an independent insurance agent on the front lines, I have already started to see the consequences of Lara’s inaction. Further delay will ultimately lead to an imminent coverage crisis where Californians will have far fewer coverage options to protect their vehicles and families.

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Auto Liability Insurance - What It Is and How to Buy

Category: Insurance Coverage

Liability car insurance covers injuries and property damage to others when you’re at fault in an accident. It’s required by law in most states.

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Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions. Read full bio >>

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Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

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Auto & Car Insurance Coverage in Bloomfield NJ - Get a Free Quote Today!

Category: Auto Insurance

Auto Insurance Getting the right auto insurance for you and your family is one of the most important things you can do as a driver in any state. It is rarely enough to get the state’s minimum requirement, but many drivers have little information about how to get the right amount of coverage without overpaying. […]

Getting the right auto insurance for you and your family is one of the most important things you can do as a driver in any state. It is rarely enough to get the state’s minimum requirement, but many drivers have little information about how to get the right amount of coverage without overpaying.

Working with an independent car insurance agency ensures you’re getting a quote that represents the best prices for the most robust auto insurance coverage. It also means you are not paying for coverage you don’t need or failing to get essential coverage you do.

Automobile insurance protects drivers and vehicle owners against other drivers and the financial fallout of their actions behind the wheel – depending on the type of car insurance policy you have. While most states require drivers to have a certain amount of auto liability insurance coverage regardless of whether their vehicles are paid off or not, these requirements are minimal and offer little real protection if a major accident occurs.

There are different types of auto insurance that provide various benefits to drivers. Most drivers require more than one type of car insurance protection to have what is considered full coverage. The most basic types of automobile insurance include:

Liability. This coverage protects you from the financial responsibilities and legal expenses of defending yourself when an accident causes bodily injuries to others or property damage, including damage to vehicles, fences, buildings, bridges, utility poles, etc.

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Car Insurance: Free Auto Insurance Quotes

WebProtects your car from the unexpected. Comprehensive coverage repairs or replaces your vehicle if it's damaged due to theft, vandalism, hitting an animal, fire, or acts of nature. You're also covered for any glass damage. …