There are many questions you'll have as a new driver when it comes to car insurance. However, you'll want to have them answered, as car insurance is your legal responsibility and something that you don't want to drive around without a full understanding of. Not having the necessary information can lead to issues from a legal and financial standpoint. Here are some answers you may be looking for with regards to car insurance.
What does car insurance do?
You'll know the basics; that car insurance covers you legally and pays for damages in the case of an accident. However, as a new driver, you may not fully understand the way it works. You need to have car insurance anytime you plan on driving your car. If you don't plan on driving the car, then you'll want to get a non-op on it, so the DMV knows it won't be driven, and once you do this, then you won't have to carry insurance on it.
Car insurance will cover the damages and medical expenses the other party incurs due to an accident with you, but only for the amount dictated by your policy. Anything over those amounts will need to be paid by you. The damages and medical expenses your car and those in your car suffer will not be covered by your insurance unless you are carrying full coverage. If you have full coverage, then your car will also be protected against things like vandalism and theft.
What is underinsured and uninsured?
You may have heard about the importance of adding underinsured and uninsured to your car insurance policy and wonder what this is. This is additional coverage for your policy that protects you if the person who caused your accident ends up not having insurance or your damages exceed the amount their policy covers. It's worthwhile to note that this will also protect you in the case of you being the victim of a hit and run. There are other things you want to consider adding to your policy like rental coverage, roadside assistance, and windshield coverage.
When you have specific questions about insurance policies, it is best to ask those questions from the insurance carrier you are thinking of choosing, as they can give you information that will be relevant for the policy that you would have if you did decide to purchase your insurance policy with them. Contact a company like Budget Insurance Offices Inc for more information.
Hello, my name is Clancy Watkins. Welcome to my site. I am here to discuss auto insurance coverage types with you all. I started learning more about insurance after buying my first automobile. I was interested in protecting my new asset as much as possible in case of an accident. The insurance coverage I purchased may have been a bit much for that vehicle, however. I will use this site to discuss the process of finding the right amount of coverage without agreeing to premiums that are much too high. Thanks for visiting my site. I invite you to come back often to learn more.