Car Insurance overview

Car Insurance overview


Car Insurance overview Premiums for similar auto & car insurance policies may vary by as much as 50%. Until now, it has been difficult to compare insurance policies. We Represent no specific auto or car insurance company allowing us to help YOU in finding the lowest price in quality auto & car insurance quotes state by state.

Auto / Car Insurance Quotes from several different insurance companies side by side and having good information can save you hundreds of dollars every year in Auto & Car insurance cost.

Auto Insurance – Online Auto & Car Insurance Quotes:

Online Auto & Car Insurance Quotes:

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Auto & Car Insurance Overview
Liability auto insurance policies are the most important types of coverage you carry. It good to know and understand these key auto insurance requirements.

In this section:

Auto / Car Insurance Quotes Explanations of mandatory auto insurance coverage’s
Auto / Car Insurance Quotes Description of what liability auto insurance covers
Auto / Car Insurance Quotes Lists of your state’s car insurance laws
Auto Insurance Overview
Auto Insurance Liability policies are the most important types of auto insurance coverage you can have. You need to understand these important Auto Insurance Liability requirements.

Auto / Car Insurance Quotes Auto Insurance Liability as described:
Insurance coverage to guard against claims alleging that one’s negligence or inappropriate action resulted in bodily injury or property damage.

Liability car insurance is probably the most important type of car insurance, and it’s required by most state’s auto insurance laws. Liability car insurance protects you against the cost of damage and injury that you cause to others in an automobile accident
Liability car insurance is actually made up of two different policies, bodily injury liability, and property damage liability. Bodily injury insurance protects you from the value of private injury to others, and property damage insurance protects you from the value of injury you cause to any property .

You’ve probably seen automobile policies described by three numbers (like 50/100/25). These numbers refer to auto liability insurance.

They’re usually called the split limits of insurance . Under our example auto insurance policy, you would be covered for up to:

•$50,000 worth of bodily injury caused to another person
•$100,000 for bodily injuries caused to everyone
•$25,000 worth of property damage.

Your state’s automobile insurance laws would require a particular level auto insurance . You can find your state’s auto insurance liability requirements here.
It may be tempting to save money by going with the minimum liability insurance required in your state, It could be worth investing in a little extra protection.

Auto / Car Insurance Quotes Medical payments insurance
Medical payments insurance provides for the immediate treatment of injuries caused by a car accident. You, your family members and other passengers in your car are covered, regardless of who is at fault for the accident.

Depending on the specifics of the policy, medical payments coverage can also catch up on lost wages or services of an individual injured within the car accident.
Personal injury protection, or PIP is similar to medical payments coverage, but usually provides broader coverage. Many PIP policies provide compensation for lost wages, funeral expenses, and pain and suffering.

Most states that require personalize injury protection are “no fault” states, but Maryland, Delaware, and Oregon also do. Again, you’ll determine your state’s auto insurance laws and minimums here.

Auto / Car Insurance Quotes Underinsured and Uninsured Motorist Insurance
Underinsured and Uninsured Motorist Insurance protect you against injury caused in an automobile accident where the at-fault driver’s liability car insurance coverage is inadequate. Though they’re often lumped together, they’re really two distinct policies.
Auto Insurance – Underinsured and Uninsured Motorist Insurance Uninsured motorist insurance is needed when the other driver has no liability coverage.

Auto / Car Insurance Quotes Underinsured motorist coverage also pays for the cost of your injuries that exceed the other driver’s car insurance coverage maximum.

Most states require neither type of Auto insurance coverage, but some require one or the other, and a few even require both. They’re more often required in no fault states.

Need help setting safe and responsible coverage amounts? Read our guide to choosing car insurance.

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