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Enjoying Better Auto Insurance

About six months ago, I realized that I was having trouble figuring out what to do about my car. I drove regularly in the ice and snow, and I was constantly getting into accidents. I needed to protect my vehicle and my family, so I started looking into better auto insurance. After searching for a better policy, I was able to find an incredible company to work with. I learned a lot about auto insurance, and it made a world of difference. This blog is all about enjoying better auto insurance by choosing the right policy for you and your family.

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Enjoying Better Auto Insurance

What Is The Difference Between Comprehensive And Liability Car Insurance?

by Jeanne Fuller

You need to have car insurance to be legal to drive. Without it, you risk a ticket at the very least. At worst, you can end up in a lawsuit if you get into an accident and you don't have insurance, whether the accident is your fault or not. When you go looking for car insurance, you want to make sure that you know the differences in terms.

Comprehensive

Comprehensive insurance isn't generally required by your state, but it is a good idea if you have a nicer or newer car. Comprehensive insurance may also be called "other than collision" insurance because comprehensive covers everything else that could happen to your car. This is the insurance that would cover your car if a UFO happened to land on it, a random and localized hail storm battered it, or unexpected mountain goats decided that they needed to climb your car, causing damage. If those mountain goats steal your car instead of climbing on it, your comprehensive insurance is also going to pay out on it. When you lease a car, it is often a requirement to have comprehensive insurance. You will have a deductible, so you should check with your insurance agent about deductibles. You will also want to find out if your deductible is for both your liability and comprehensive policies or if they have two separate deductibles.

Liability

This insurance is the bare minimum requirement in most states for car insurance. Various states require you to have different levels of insurance, so make sure that you ask your insurance agent how much coverage you need to have. Liability insurance covers any damage to the other party in an accident you might be in. There are two kinds of liability insurance, bodily and property damage. Bodily liability covers any injuries to other people in the accident. Property damage covers damage to cars and other property. When you get liability insurance, your policy will have limits. Those limits are the highest amount that your insurance will pay in the case of an accident. Again, your state may have specific amounts that you must carry, so you should check.

If you are going to own a car and drive or let anyone else drive your car, you need to make sure that you have insurance. When you go to get your auto insurance, you need to make sure you are getting at least the legal minimum for your state. You may also want to add in more insurance coverage, like comprehensive.

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