What's covered by my car insurance?
If you aren't sure what's covered by your car insurance, you're not alone. In this article, you'll find some of the most frequently asked questions of Progressive Insurance —and their answers—so that you can be confident when making decisions about your car insurance.
How can I make sure I have "full coverage"?
Generally, people ask for "full coverage" when they want more than just what's required by the state. Most states require that all drivers carry Liability coverage, which pays for damage to other vehicles or injuries to other people that you cause.
By adding what is commonly referred to as "physical damage" coverages, which include Comprehensive and Collision insurance, damage to your own vehicle is also covered, regardless of who caused the crash.
Once you've chosen these coverages, you might also want to add insurance that will cover your medical payments, protect you if you're hit by an uninsured driver, or come to the rescue if you break down on the side of the road. Your local independent insurance agent can walk you through all of your options and help you choose the policy that's right for you.
If I get into a fender bender when driving a rental car, would it be covered under my car insurance?
Generally, if you have liability and physical damage coverages on your car insurance policy, there's a good chance you'll be covered in a rental car. Call your independent agent to get the facts before you turn down that extra coverage.
Another option: check with your credit card company. Some credit cards provide coverage at no charge if you use their card to pay for the rental. Restrictions may apply, so be sure to ask for an exact description of what's covered.
A friend just borrowed my car. Will my car insurance pay for the damages if he or she causes an accident?
In most states, insurance coverage follows the car, so your car insurance would pay for the damage if your friend causes a wreck. Two things to keep in mind: if the cost to repair that damage exceeds the amount allowed by your policy, your friend may need to make a claim on his or her car insurance policy to pay the difference. And, your rate may go up as a result of the claim.
For more information, talk to your local independent agent. Matt Lehn
www.lehninsruance.com
Thank you for these helpful information, Matt! Liability coverage is indeed one of the important aspects of car insurance, and it is the thing that an owner should seek first when familiarizing him/herself with the policy. Anyway, knowing the coverage of certain insurance policies is essential so that an individual would be able to utilize his/her right with the claims.
ReplyDeleteFe Penley
Your car insurance would serve as the backbone of your car. You use it to protect your car and your finances. It is important that you ask how much you will have to pay for your insurance to cover any loss, and if it will pay for the original manufacturer parts in case you need new parts for your car.
ReplyDeleteEllsworth Mciltrot
When you’re looking to set up a good car insurance policy, you will find that high car insurance coverage limits will rapidly lead to higher premiums. You can avoid this situation by researching online and comparing as many insurance companies as you can find before buying a package.
ReplyDelete[Barry Bates]