Auto Insurance Coverage
Reader’s Question:
My auto insurance broker says that my medical bills will be covered if ever I should get into an accident. Not only that, but they’ll also cover the expenses of anyone else that gets hurt when I get into an accident. Is this true?
P.D. Louise
Portland, ME
For your medical bill coverage, that depends entirely on the contract you signed with your auto insurance broker. Words are one thing, but what’s signed on paper is a totally different thing. You may or may not be paying for personal medical coverage when you get into an accident. If you are, and it reflects in your contract, then your medical bills will definitely be covered by your insurance company.
The case is different for anyone else that gets hurt, though. If you’re found to be at fault, then your insurance company will cover the medical bills of the injured parties up to a certain point. If that point is exceeded, then you’re going to have to pay the excess costs from your own pockets. If your insurance plan will pay up to $50,000 in medical coverage, and the medical bills of the injured parties reached up to $75,000, you’re going to have pay the excess $25,000 from your own pocket.
But if you’re not found to be at fault, and you were the one who was a “victim” in an auto accident, then it is the other party’s insurance company who’ll cover your medical bills. If they refuse to pay up, you can then call up your lawyer to settle things in court.
Comprehensive Auto Insurance Florida FL
Reader’s Question:
I am so glad that hurricane season is already over because it is never easy to battle all these storms. Is it already the perfect time for me to buy a car insurance policy for my new finance car here in Florida?
Laurence
Miami, FL
The time prior to a natural disaster is normally not a good time to look for auto insurance. As a matter of fact, a number of insurers would not sell auto insurance if they are aware that a calamity is just going to hit your area. The reason for that is because insurance would not work if you buy it only when you need it right away. Since the hurricane season is already over, it would be the best time for you to purchase a car insurance policy for your new finance car in Florida.
You just have to make sure that you include comprehensive auto insurance coverage on your car insurance policy. This type of coverage would provide protection for any kinds of damage caused by natural disasters like hurricane and fire. In times of natural calamities, gap insurance and rental reimbursement would be of so much help for your finance car. The gap insurance would cover the difference between the amount you owe from the finance company and the real worth of your vehicle. Also, if your vehicle is damaged and has to be fixed, rental reimbursement would cover the payment for a rental vehicle for your transportation after the calamity. Be certain that you have comprehensive, gap and rental reimbursement as part of your auto insurance if you reside in an area wherein hurricanes and natural calamities often happen.
Full Coverage Auto Insurance Nevada NV
Reader’s Question:
Hello! I have an auto insurance questions in Nevada. I was thinking of purchasing a car and the only hindrance that is stopping me is I don’t know too much about auto insurance. It will be of great help if you can explain a few things about it and it will surely boost my confidence on buying new car. What is a Full coverage auto insurance?
Dakota Nicole
Henderson, NV
It is essential that we understand the fundamentals of auto insurance. The most basic auto insurance terminologies you need to know are the words deductibles, exclusions and premiums. Deductible is the cost you’ve agreed to pay out of your own pocket and the insurance company in Nevada pays the rest in an occurrence of an accident. Exclusions means an agreement that the insurance company will not handle, a good example is committing damages/injury intentionally. The last basic term is Premium which basically means the amount you pay monthly to your auto insurance company.
You also need to understand the most common of coverage since most state requires you to have one. Bodily Injury Liability Coverage means in an occurrence of an accident and you are responsible for death or injury of the other person, your assets will be protected by it. If it’s a damage done to a property or someone else’s car and you want the insurance company to pay for the damages, you should acquire a Property Damage Liability Coverage. Some coverage are optional such as the full coverage auto insurance but it’s also important to know since it might be off help in saving money. Full coverage auto insurance – Collision pays the repair done to your vehicle in case of an accident. If it’s not an auto-accident and something like damage done by nature like storm, earthquake or forces of nature get a Full coverage auto insurance Comprehensive coverage and it will deal with it. Remember that knowledge is power and sometimes in order to save money, you also need to spend money.
Uninsured Motorist Auto Insurance Florida FL
Reader’s Question:
My car here in Florida got damaged during a collision, unfortunately the one who rammed into my vehicle does not have car insurance, what can I do now?
Kenji
Boca Raton, FL
That is unfortunate but if your auto insurance coverage has an Uninsured/ underinsured motorist coverage then this should take care of the damages or the necessary replacement and reimbursement for your vehicle. For those not familiar with this kind of car insurance coverage, an Uninsured/ Underinsured basically provides coverage for damages your car gets, as well as injuries you sustain in an auto accident and the other party is at-fault. You can use this to cover the difference on your expenses along with your comprehensive or collision coverage. This is definitely a type of auto insurance that everyone should consider getting.
If you have full coverage auto insurance then this should not be a problem. The reason you got car insurance in the first place is because of these scenarios. If you don’t have this kind of coverage under your policy, you could choose to go to court and have a judge there in Florida decide on how the at-fault party would need to compensate you properly. Also, don’t forget about your collision coverage since this may already provide enough money to pay for the damages or replacement of your vehicle. It would be very important to consult an agent with your auto insurance carrier immediately regarding this matter so you can take the right course of action immediately. Your carrier should be able to file the claim against the other party for you and advise you appropriately.
Low Cost Car Insurance Coverage Arizona AZ
Reader’s Question:
I don’t want me to take all day just to get the car insurance coverage that I want. Could you tell me how can I get cheap car insurance coverage here in the state of Arizona?
Edith
Scottsdale, AZ
Looking for car insurance is one thing that each motorist in Arizona will be paying attention to. But, this would not be a very easy chore because anyone would like to have a low cost car insurance coverage. To lower your car insurance charges, you can first get rid of coverage that you don’t need. A lot of car insurance policies have more coverage than the least amount required. Comprehensive, collision, uninsured motorist as well as personal injury protection are examples of coverage that are in your policy that could increase your premiums. Then you may also increase your deductible so that you could be able to save some money. A little warning that you have to make sure that you can pay the deductible that you choose in the event of filing a claim.
Doing your own research is also one way of making sure that you will have low cost car insurance coverage. In the state of Arizona, there is a ‘Rate Increase Law’ wherein it won’t allow the car insurance provider to increase your premiums if you have an accident in which you are not at-fault. Another one is with regard to Cancellation of Car Insurance Policy in which the law doesn’t allow the termination of your car insurance policy by your insurer after once it has been in effect for 60 days with the exception of some instances.
Car Insurance Policy South Carolina SC
Reader’s Question:
If I will finance the purchase of my car here in South Carolina, why is it so important for me to get comprehensive and collision coverage for my car insurance?
Danny
Charleston, SC
The required auto liability insurance would only pay for the damages on the other vehicle in an accident that you are at fault. In this case, the damages on your car would not be covered by your own car insurance. For that reason, the finance company who gave you the loan on your car would require you to purchase collision and comprehensive coverage.
Collision coverage would be the one to pay for the damages on your vehicle that are sustained in an accident that is your fault. Comprehensive coverage would pay for the damages that are caused by natural disasters such as fire, hail, etc. In case you hit an animal, the comprehensive coverage would also pay for the damages on your car. If you put together a complete coverage for your car insurance in South Carolina, the collision and comprehensive coverage must not be more than the fair market value of your car and must not be less than what you owe to the finance company. You have to check with the finance company if you owe them more than the fair market value of your car.
If you have figured out how much is the minimum liability coverage that you need and you have figured out the minimum amount of comprehensive and collision coverage that you need as well as your deductible, then you can now go online and search at least three various websites that would allow you to compare the costs of auto insurance policies from different insurers.
Car Insurance Claim New Jersey NJ
Reader’s Question:
I am new here in New Jersey and unfortunately my car was stolen and I was really devastated that I don’t know what to do. What do usually the people here in New Jersey do when their car is stolen?
Martha
Elizabeth, NJ
It is most advisable here in New Jersey that whenever their car is stolen they should immediately inform their car insurers of all of their losses and also, you should report it to the police. It is most necessary to report it to the police for you will need the police report to make sure your car insurers will not deny your claim. Stolen cars are not the only thing you should report as a loss for vandalized or damaged by a hit and run is also considered a loss.
When a car is damaged here in New Jersey, the owner of the car must make the wrecked car available for the insurers to inspect. You should not have your car repaired yet before the inspection. Not all the damages of your car can be paid by your insurers like for example if the car seat is broken due to the rain that dropped into it from the broken windshield. You should also cooperate to your insurer’s investigator for this could help your claim accepted. If you have filed a claim to your car insurance, your insurance company has to complete all the conditions affirmed in your policy as well as doing your duties and requirements.
Auto Insurance Coverage California CA
Reader’s Question:
What are the types of auto insurance coverage that I should know about before I sign up for a policy here in California?
Justin
Oakland, CA
Auto insurance in the state of California has various types of coverage and this will be based on the kind of auto insurance claim that would be paid out to the policyholders and other people involved. A type of auto insurance coverage would be the personal injury protection or what is commonly known as PIP. PIP will give protection to the motorist or the policyholder and others, which depend as to who was in the vehicle when the accident happens. PIP will also give medical coverage no matter who caused the accident.
One other type of auto insurance coverage would be the liability insurance that will cover the damages sustained by the other driver in an accident wherein you are at fault. In case there will be a lawsuit filed against you, your auto liability insurance would also provide legal assistance. Bodily injury and property damage are the two kinds of auto liability insurance. Majority of auto insurance providers in California offer the same auto insurance policies. These types of auto insurance coverage will pay for anyone who is injured or killed in the accident in which you are at fault. You might think that the price of auto insurance is expensive when you buy coverage; however, it would be nothing in comparison to the amount you would have to shell out in case you don’t have any auto insurance coverage.