What is collision on my car insurance policy?
Okay so it happened- a car accident. You know all that truly matters is that you, your passengers and any other people involved are okay. But after you’ve dusted yourself off, you realize that the beautiful car you saved all your pennies for, is damaged. That’s where we come in. With our collision coverage, fixing the damage to your vehicle as a result of an accident is covered. So you can cruise around in that shiny red sedan or silver truck without worry, we’ll make sure it stays in good shape.
What is comprehensive coverage on my car insurance?
When you think about vehicle damage, you think of an accident, right? Well, we thought of everything else that could potentially happen to your car. Tree branches falling on it, someone breaking into your car, someone keying your car door, deer running into the side of your vehicle while it’s parked, shall we go on? With our Comprehensive coverage, if anything other than an accident damages your vehicle, you’re covered. Theft, fire, an alien invasion, whatever. You also need to have collision coverage if you have comprehensive coverage as well. That way you’re covered no matter what.
What is bodily injury car insurance coverage?
No one wants to think about someone being injured in an accident. Yikes. However, it’s important to have auto insurance that will protect you in the event a bodily injury occurs, just in case. If you are at fault in an accident and someone is injured, whether they were the other driver, a passenger in your vehicle or a pedestrian, bodily injury coverage will cover their medical expenses, so it isn’t coming directly out of your pocket. Safe driving should always be your first priority, but if something were to happen, it’s important to be prepared with bodily injury coverage.
What is property damage on my auto insurance policy?
Property damage coverage covers any damage to other person’s physical property in the accident. It can be used if anything else that belongs to someone else is damaged in an accident, like a fence, house, garage, mailbox…you get the idea. We don’t recommend driving into anyone’s mailbox, but accidents happen and property damage coverage will protect you from having to pay to fix any damage out of pocket.
What coverage is uninsured car insurance?
With uninsured driver insurance, if you get in an accident with a driver who doesn’t have any auto insurance to pay for your auto or medical bills, uninsured driver insurance will take care of it, so you don’t have to pay out of pocket for an accident that wasn’t your fault.
What is underinsured vehicle insurance coverage?
If you’re hit by a driver with insurance, but not enough to cover all your expenses, underinsured motorist insurance can take care of whatever the other driver’s insurance couldn’t.
What coverage is rental car insurance?
If you have rental coverage, we’ll reimburse you for your rental car while your damaged vehicle is being repaired or replaced. Just choose the rental coverage option that’s right for you, and we’ll have you back on the road in no time.
What is tort in my vehicle insurance policy?
The tort option
in your car insurance can help you to recover out-of-pocket medical and certain other expenses and there are two options full tort or limited tort. Limited tort won’t allow you to recover certain damages – such as payments for pain and suffering unless the injuries meet certain legal exceptions. The upside is if you’re trying to save a few bucks, limited tort is significantly less expensive than full tort. Full tort permits you to sue someone who is ruled completely at fault for pain and suffering. Pain and suffering includes emotional injuries like sleeplessness, fear, grief, inconvenience and anxiety. You definitely pay more for the rights full tort allows, as you’ll likely pay about 40% more on your car insurance policy to include it when compared to limited tort.
Do you have a referral program?
Why yes, we do! And the more you share, the more you can earn! You can learn more about our referral program here