There are so many different types of auto insurance coverage out there that sometimes it can make your head spin. If you have been shopping around for auto insurance and talked to a representative, then you know that insurance companies offer extensive amounts of auto insurance that can literally cover just about any type of situation that you may come across in dealing with your vehicle and your safety. Before just blindly deciding on what type of insurance to go with, first read over just a few of these types of auto insurance that insurance companies offer.
Liability insurance is the most basic type of insurance that is out there. Almost every single state requires at lease a minimum of this type of insurance. Liability covers the expenses that it may cost in the event that you are in an accident and the accident turns out to be your fault. This insurance will cover the other driver s expenses including repairing their vehicle and hospital charges if needed. This will not cover any expenses relating to your vehicle in the case that it was your fault.
Collision coverage pays for the damages that are done to your vehicle, even if you are found at fault during an accident. This type of insurance will pay for any repairs that are needed or it will pay to replace your vehicle with a new vehicle of equal value. Collision also pays for damages done to your vehicle in the case that no one else is involved (e.g. you hit a tree or a pole.)
Comprehensive coverage pays for losses from fire, theft, storms, etc. This type of coverage typically covers damages and losses that happen to your vehicle that are not caused by a collision. For example, if someone breaks into your car, and steals your stereo, the insurance company will pay for any damages done to your car and will pay for a new stereo. Sometimes comprehensive also includes auto glass replacement, which means that they will pay for your car to either have chips repaired or a replacement windshield.
In the event that you get into an accident with an uninsured motor, and the other motorist is found to be at fault, you can also add Uninsured motorist coverage to your plan. This guarantees that no matter who hits you, you will get your vehicle taken care of without it having to come straight out of your pocket.
http://www.insurancearm.com provides Idaho auto insurance as well as Boise car insurance. Art Gib is a freelance writer.