Auto insurance is something that every driver needs. But for new drivers, who are just starting in the world of driving, it can be a confusing and overwhelming topic. This guide will give you the basics of car insurance to make an informed decision when it comes time to purchase a policy.
What Is Car Insurance?
Car insurance is a type of insurance that helps protect you financially if your car is damaged or stolen. It also provides liability coverage if you are involved in an accident that results in injuries to others.
There are various types of car insurance available. The coverage you choose will depend on several factors, including your driving record, the kind of car you drive, and your personal needs and preferences.
The most basic type of car insurance is liability insurance, which provides coverage for damages you may cause to others in an accident. This type of insurance is required in most states.
What Are the Coverages of Car Insurance?
There are various car insurance policies available, and you can choose the one that best suits your needs. Some policies will cover you for damage to your car, while others will cover you for the cost of repairs.
Here are some coverages you should familiarize yourself with.
1. Vehicular Accidents
This coverage will pay for the cost of repairs to your car if it is damaged in an accident. It will also cover the cost of medical bills if you or a passenger is injured in an accident.
2. Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage is insurance that protects you if you’re in an accident with a driver who doesn’t have enough insurance to cover your damages. This coverage is optional in most states, but it’s a good idea to have it if you can afford it.
If you’re in an accident with an uninsured or underinsured driver, your motorist coverage will pay for your damages up to your policy limit. If you don’t have this coverage, you’ll have to pay out of pocket for any damages that exceed the other driver’s liability limit.
3. Collision Insurance
Collision insurance is a type of car insurance that pays for damage to your car if it’s in an accident. It covers damage from collisions with other vehicles and objects, regardless of who is at fault.
If you have collision insurance and your car is in an accident, your insurance company will pay for the repairs up to the amount specified in your policy. If the cost of repairs exceeds your policy limit, you’ll have to pay the difference out of pocket.
4. Bodily Injury Liability
This coverage protects you if you are found responsible for injuring someone else in an accident. It will help to pay for their medical bills, lost wages, and pain and suffering.
5. Property Damage Liability
Property damage liability coverage protects you if you are found responsible for damaging someone else’s property in an accident. This could include their car, home, or other personal belongings.
6. Comprehensive Coverage
This coverage will help to pay for the repairs to your car if it is damaged by something other than an accident. This could include damage from a hail storm, theft, or vandalism.
Final Thoughts
There are various car insurance policies and coverages available for all types of drivers, and you can choose the one that best suits your needs. You should consult a reliable auto insurance company to help you decide on the extent of coverage you need.
If you need car insurance in Conyers, GA, don’t hesitate to contact us at The Tabb Insurance Agency. Our team offers various insurance plans for your personal and business needs, including auto insurance. Message us for a free quote today.