Auto Insurance Policy Agency Rate Quotes - Chula Vista: What Does Car Insurance Cover?
What You Should Know About Your First Auto Insurance Policy
Owning a vehicle for the first time is such a great privilege and amazing sense of independence that comes with it. With new car ownership comes the requirement to insure your automobile appropriately. Remember, there is a big difference between getting your "first" car versus your buying a "new" car. Driving is "new" but there exists complexities in the purchase with both. Specifically, you've got an important choice to make: What Insurance policy coverages do you need in your first "on your own" auto insurance policy?
When getting a car and thinking about car insurance coverage your intitial thoughts are to ask your agent for the cheapest car insurance quote with the least expensive policy as the best insurance for your situation. Certainly understandable because there are so many expenses when you buy a car. However, before you jump to the cheapest insurance which may not be the best for your situation, it's best to get the details on the various types of insurance policies and how they differ in their coverages. When you think about this decision, if your car gets completely totaled in an accident, or if, as a result of your accident, you or someone is seriously injured, a few more dollars of insurance coverage per month may be the best decision you ever make.
Below is a listing of the basics to think about when buying car insurance.
Chula Vista Allstate Care Insurance Policy COVERAGE THAT HELPS PAY FOR DAMAGES YOU CAUSE
Liability Coverage has two different types which are the base level of car insurance coverage that California and most states require by law.
- Chula Vista Allstate Auto Insurance - Bodily injury liability:Bodily injury liability coverage is for when you cause an accident which resulted in people getting injuries requiring medical attention. The benefit of carrying this insurance is to help pay for your financial obligations as a result of you causing the accident. Typically, with accidents there are fees that you will be responsible. Legal fees, medical bills and expense's or "other costs" incurred like lost wages. Learn more about bodily injury liability coverage.
- Chula Vista Allstate Car Insurance - Property damage liability:Property damage liability coverage is for when you cause an accident which resulted in damaging property. For example if you run over a bicycle or run through a fence or drive over somebodies landscaping which requires repairs or replacement. Again, the car insurance coverage benefit of carrying this insurance is to help pay for your financial obligations as a result of you causing the accident.
CHULA VISTA ALLSTATE CARE INSURANCE POLICY COVERAGE COVERAGE THAT HELPS PROTECT YOU IF YOU'RE HURT
- Chula Vista Allstate Auto Insurance - Personal Injury Protection (PIP):If you're injured in a car accident, this coverage may help pay your health insurance deductible (if you have one) as well as medical costs that exceed your health insurance limits. This coverage may also help pay for your lost wages and "loss of services," such as picking up your kids from school, while you recover. Worst-case scenario: PIP may help cover your funeral expenses. Keep in mind that PIP is not available in all states.
- Chula Vista Allstate Car Insurance - Medical payments:Like PIP, this coverage may help pay for your medical bills related to a car accident. However, this coverage also extends to your passengers and a family member who was driving the car when the accident occurred. Also, if you or a family member are injured in another car or as a pedestrian, this coverage can help pay for medical expenses.
CHULA VISTA ALLSTATE CARE INSURANCE POLICY COVERAGE COVERAGE THAT HELPS PROTECT YOU FROM DRIVERS WITHOUT INSURANCE
- Chula Vista Allstate Auto Insurance - Uninsured/underinsured motorist:This coverage can help protect you if you're hit by a driver who has no auto insurance or whose policy limits are too low to cover the accident's full costs. It can help pay for your medical bills and — depending on your state's insurance laws — possibly for damage to your vehicle.
Chula Vista Allstate Car Insurance COVERAGE THAT HELPS PROTECT YOUR VEHICLE
- Chula Vista Allstate Auto Insurance - Collision:If you need to repair or replace your vehicle after a collision with another car or object, this coverage can help cover the costs.
- Chula Vista Allstate Auto Insurance - Comprehensive:This coverage can help pay for damage to your car that isn't related to an auto accident. Examples: theft, damage by animals, fire or falling objects.
- Chula Vista Allstate Car Insurance - Guaranteed Asset Protection (GAP):If your vehicle is totaled in an accident or stolen, you insurance company typically will pay you fair-market value for the car. However, if you still owe a financial institution more than the car is worth, GAP coverage can help reimburse you for the cost difference.
No comments:
Post a Comment