Automobiles need to be maintained, and people may wonder if the car insurance that they are required to purchase will cover these maintenance costs. The answer is, unfortunately, “No.” Most states require that their drivers purchase liability coverage, but this coverage is meant to pay third-party bills.
In the event that a driver causes a collision, the at-fault driver will be determined so that this driver’s auto insurance company can pay the necessary medical bills of all those injured in the collision and the property repair bills for all those with damaged property. For some states, this is all that is required.
In other states, people must also purchase car insurance that protects the policyholder against being hit by an uninsured or underinsured driver, and this type of coverage does not pay for wear and tear. The uninsured motorist coverage applies if the policyholder is hit by a hit-and-run driver or someone who did not bother to purchase the required auto insurance coverage. The underinsured motorist coverage will pay the bills after the at-fault driver’s liability insurance runs out.
Auto insurance companies also offer optional insurance coverage. In the event that a driver causes a collision, she will need to pay to have her own vehicle repaired. If she purchases collision coverage, she will pay her deductible and the insurance company will pay the remainder of the bills. However, collision coverage does not apply toward wear and tear. The policyholder can only file a claim for this coverage after being involved in a car collision.
Sometimes, a vehicle is damaged by vandals or a storm and not in a collision. These are times when comprehensive coverage is useful, but the car must be damaged in a manner that does not include collision with another vehicle and not for wear and tear.
By visiting www.autoinsurance.us, people can find an agent that can find them extensive coverage for the most reasonable price. With a large database of insurance companies waiting to offer the best rates, the knowledgeable agents will take the burden of finding the right coverage for the right price out of their clients’ hands.