Auto

Written on October 20, 2009 – 9:38 am | by admin |

Types of Auto Insurance

Comprehensive auto insurance covers cost of non-collision damage done to your car, usually from some form of theft or vandalism and also from forces of nature: for example, ice storms, tornados, flood hail, deer, or fire. A comprehensive auto insurance policy will also pay for any broken windshield since it is against the law to drive with a broken windshield in some states. To cover the rest of the windows of your automobile full glass insurance can be purchased.
Collision auto insurance covers cost of damage to your car from an accident or collision.
Bodily injury liability covers any bodily injury claims from people you injure during a collision. This type of automobile insurance is usually mandatory and also covers the cost of any needed legal defense.
Property damage liability covers any property damage caused because of your driving.
Underinsured and uninsured motorist coverage protects you from any motorist without auto insurance or insufficient insurance to cover any or all damages that they cause to you and your automobile. Underinsured motorist coverage will pay for injuries up to your policy limit when other drivers have no insurance or their coverage cannot pay for the injuries or damages. In many states it is necessary to show proof of insurance before your car can be registered.
Also in some states, if the insurance is canceled, the insurance company will notify the DMV who will cancel the registration and inform the driver of the car. The driver will be arrested if he or she is caught driving without auto insurance and a canceled registration.