Auto insurance is insurance for automobiles, trucks, motorcycles,and other road made vehicles. Its primary function is to provide monetary protection against personal damage or bodily harm inflicted on you by traffic accidents and against possible liability which may arise from other incidents in your vehicle. The coverage provided by auto insurance varies with the type of policy purchased. It also varies according to the extent of the coverage provided. Auto insurance policies generally cover personal injuries caused to you by another driver during an accident, damage to your car due to fire, theft, vandalism, or bad weather, medical costs incurred due to injury or damage, or replacement of your vehicle if it is stolen.Find additional information at Auto Insurance.
In case of an accident, your auto insurance company will either pay you the amount of your premium in place of the loss of the automobile, or will require you to notify them within a certain time-frame if the car is not recovered. You will then be paid the amount of your premium plus an additional fee per day until the car is replaced. In case of total loss, your auto insurance company will pay you the amount of your premium minus the deductible.
Liability insurance provides protection in the event that you are at fault in causing an accident and the other party does not have sufficient insurance money to cover your damages. This kind of policy covers the third parties who suffer injury or damage due to your negligence in the event of an accident. With this type of coverage, you will get reimbursement for the medical and repair expenses that you incur in the event of a traffic accident and for the cost of replacement of your vehicle if it is damaged beyond repair. This type of insurance also covers you if you are hit by a driver who did not have sufficient insurance money to cover your damages in the event of an accident. If you are hit-and-run, your insurance company will only pay you the driver’s liability coverage.
Sarah Atkinson – State Farm Insurance Agent
15061 Springdale St Ste 101, Huntington Beach, CA 92649