Unlocking the Mystery of Car Insurance

Auto insurance is one of those things many people purchase because they have to, then ignore it until they need it. They may not really know what their policy contains ­ until the accident occurs. Of course, new drivers are probably overwhelmed with all the insurance terms, options, and small print. But insurance doesn’t have to be confusing.

person sitting in the driver seat

What Coverage Pays for My Car to Get Fixed in an Accident?

Collision coverage pays for any damages to the vehicles in an auto accident. It doesn’t matter if it was your fault or the other party’s. You’re not required to have collision insurance on your vehicle unless you are leasing or financing. But it’s smart to purchase collision coverage so you aren’t responsible for high repair bills in the event of an accident.

Who Pays If Someone Gets Hurt?

Suppose you are the driver at fault in an accident. In that case, liability coverage pays for injuries to the other driver (and passengers). However, if you get injured, liability insurance won’t cover you if it’s your fault. If the other driver is at fault, their liability insurance will cover you. Otherwise, personal injury protection (PIP) or MedPay takes care of medical expenses for your injuries and can be a helpful addition to your policy if it is not required in your state.

What If I Hit a Deer or My Windshield Gets Cracked?

Hitting a deer or other animal can do considerable damage. And it’s not really your fault. Deer, especially, tend to be active during certain seasons, jumping out in front of vehicles with little to no notice. When this happens, your comprehensive coverage will take care of the damage. You will have to pay your deductible, though.

Windshield damage is another issue that isn’t the driver’s fault in most cases, but can result from a rock flying up from the ground or coming off a truck. Whatever the situation is, your comprehensive will cover it. In most states, it’s completely paid for if it just needs to be repaired. But if you get a windshield replacement, you’ll have to pay the deductible.

Do I Have to Pay Anything If the Accident Isn’t My Fault?

If an accident isn’t your fault, the other driver’s insurance will cover the cost of your repairs and injuries. Everyone is required to carry the minimum coverage that will pay for accidents.

man driving a car wearing wrist watch

What If the Other Driver Wasn’t Insured or Underinsured?

Even though it’s the law, some people drive without insurance. Or they don’t have enough insurance to cover all the damage. What do you do then? Uninsured and underinsured motorist insurance will pick up the tab for damages. However, this insurance is only a requirement in some states. So, be sure to check with your insurance agent to make sure you have it. Freeway Car Insurance is the ideal place to start when searching for an affordable plan.

Other Damages

Property liability insurance will take care of damage to someone else’s property when it’s your fault. It also extends to other damages you could be held liable for, such as telephone poles, buildings, signs, and other structures.

Getting Started with the Right Insurance

Getting started with the best insurance plan for your needs is important. If you drive a lot, especially in high-traffic areas, you will want to ensure you have enough coverage for any accidents. Check with your neighborhood agent to go over the details.

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