When you have an accident in your vehicle, you may be wondering what is covered with your auto insurance. You should make sure that you look over your entire policy. You will get this when you get your insurance. Make sure that you understand it, and if you do not, call the carrier, and ask them to explain it to you. You want to know what type of coverage you have, and what is covered at all times in your vehicle.
What Things May Be Covered In An Accident
There are certain things that are covered under insurance policies. They are usually collision and liability.
Collision When You Are In An Accident With Basic Coverage
If you are in an accident, and you have damaged the other car, you will be covered by the insurance. It will usually pay for both cars’ damages. In some cases, you will need to pay some of the expenses up front.
Liability When You Are In An Accident With Basic Coverage
You may need to pay for some of the personal damage to the other person, depending on the policy. In many cases, it will cover what personal damage has happened to the other person.
Some Insurance Policies Include Other Items
Some car insurance policies include a rent-a-car for you or the other person. Depending on the policy, all damages may be covered without you having to put in any more money.
All Insurance Has Points
There are points on your insurance policy. If you have an accident, your insurance points will go up, and you will need to pay more for your coverage. It is best to drive safely, and obey all the road signs. Avoid any distractions when you are driving, inside and outside the vehicle.
What Else Do You Need To Know About Your Car Insurance Coverage
You should know that it must always be current. Make sure that you pay it on time, and if you are ever without a current card, call your insurance company to have them send you the current one. Be sure that you keep them updated on any address change you may have. You will need to call them or go online in order to do this. Car insurance is mandatory to have if you own a vehicle, and you want to have it at all times. Be sure that you understand this when you purchase a vehicle. If you don’t have coverage, you will be fined, and the fine is usually a pretty, high one. Keep your doors to your vehicles locked when you won’t be in it for long because you don’t want someone getting a hold of your card if you keep it in your car.
It is a good idea to know what is covered with your auto insurance just in case you would have an accident when you are on the road. Be sure that you take a good look at it, and make sure that you always carry your insurance card in your vehicle with you. Most people put it in their glove compartment with their registration card. This way they always have it handy. You can also carry it in your purse or wallet, but the best way to deal with it is in your glove compartment in your car.