Online policy quotes are offered by national and local agencies. Some agencies only specialize in certain types of insurance while others are generalized. The question asked by transcendently new car insurance policy buyers is who needs car insurance and why? The message is easy as pie: it’s the law.
Claims for bodily injury may be for such things as medical bills, loss of income or suffering and aches and pains. Collision Coverage covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Pays to fix your vehicle less the deductible you settle on. Property Damage Liability covers you if your car damages someone else's property.
Usually it is their car, but it could be a fence, a house or whole other property damaged in an accident. Uninsured Motorist Coverage covers bodily injuries to you and your passengers when the other person has no insurance or not enough insurance in a crash that is not your fault. Bodily Injury Liability covers other people's bodily injuries or death for which you are responsible.
It also provides for a legal defense if another party in the accident files a lawsuit against you. Comprehensive Physical Damage Coverage Covers your vehicle, and sometimes other vehicles you maybe driving for losses resulting from incidents other than collision.
Auto insurance also provides protection against liability claims resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
Benefits of Comprehensive Coverage Covers loss to an insured vehicle due to fire, theft, or glass breakage.
Benefits of Bodily Injury Liability Covers legal costs and personal injury claims filed against you should someone be killed or injured in your automobile and you are determined to be “at fault.”
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