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Car Insurance Basics. Everything You Need To Know To Save You Time And Money!
This article will give you some basic understanding of how car insurance works and some different rights and options you have when shopping for car insurance. You will also find some common frequently asked questions regarding car insurance.

In most states, you are required to carry auto liability insurance (or post a bond) and provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without insurance, you may have to pay a large fine and have your driver's license suspended.

Most states require drivers to carry minimum liability coverage. In many cases, the required minimum coverage may not be enough to pay for all the damages that result from an accident and the driver will have to pay the additional expenses out of pocket.

What coverage’s do I need?

In case you're involved in an accident, provides financial protection for you and your family. It pays for the damage and injuries caused by the accident and for repairing or replacing your vehicle if it is damaged or stolen.

Types of Coverage’s

There are many different types of coverage’s for you to choose from.

• Fault or No-Fault - Depends on state law.
• Collision - Pays damages to your own vehicle.
• Comprehensive - Pays for losses from fire, theft, storm, etc.
• Deductible - The amount of a covered loss you agree to pay.
• Bodily Injury - Pays for injury to others when you are at fault.
• Property Damage - Pays for property damage when you are at fault.
• Medical Payments- Pays for your own or your passenger's medical expenses.
• Personal Injury Protection - In no-fault states, this covers a broad assortment of medical expenses.
• Uninsured/Underinsured Motorist - Coverage for you if other driver is not insured or is underinsured.

In addition to basic auto insurance, consider these optional services to provide added protection for your vehicle:

• Emergency roadside assistance and towing service
• Windshield glass repair service
• Car rental reimbursement

What does “full coverage” mean?

The term full coverage generally means that the insurance policy has both liability coverage and coverage for damage to your vehicle. The term full coverage does not mean that everything is covered no matter what happens.

Your policy declaration page lists the coverage’s you have selected.

Will my policy be cancelled if I have an accident?

Generally, being in an accident will not cause your policy to be canceled. However, after the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal.

Am I covered if I drive someone else's vehicle?

Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damages. Your would generally apply in the event the owner of the vehicle had no or did not have enough to pay the damages.

If I rent a car, do I have coverage?

Car rental companies charge daily fees for "CDW" coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state by state.

What is Optional/Add-on Equipment coverage?

Under the Comprehensive and Collision portion of your policy, optional equipment (a CD player for example) is covered only if permanently installed in the opening of the dash where the manufacturer would normally install such equipment.

An endorsement is available to provide coverage for optional equipment not permanently installed in the dash and for theft of items such as tapes,   [Article continues below...]