What should you look for in an auto insurance company?
Posted by Nick Niesen on October 29th, 2010
What is a car insurance? What will an auto insurance cover?
Auto insurance companies cover you and your passengers in the event of an accident. But it is up to you to decide the level of cover you will get.
What questions should you ask your auto insurance company when it comes to auto insurance? This article help you choose between the various insurance policies.
Types of auto insurance
Liability insurance, or third party insurance.
This is general the lowest form of insurance offered by an auto insurance company. This is the basic insurance, if you are involved in an accident, and it is proven to be your fault, the auto insurance company will pay damages to the other party.
The cover offered by the auto insurance company is usually set beforehand. These are the maximum amount the auto insurance company will pay in case of accident
Collision and comprehensive coverage, comprehensive insurance and full comprehensive insurance
An auto insurance company will also offer you a comprehensive insurance, as the name indicates, you will be comprehensively covered.
As with the third party insurance, the auto insurance company will almost certainly limit the amount that will be paid out, but in general terms, a comprehensive insurance will have higher limits.
A recreation vehicle needs its own insurance, a Recreation vehicle insurance, (http://www.insurance-owl.com/other/car_rec.php), is not the same as auto insurance.
Other Types of auto insurance
Medical (MedPay), Persona Injury protection (PIP) and no fault cover
This insurance will cover you and your passengers medical expenses in the event of a collision.
Uninsured/Underinsured motorists' coverage
This cover, (also sometimes a minimum requirement in some states), will cover you if the person at fault is not insured or is underinsured.
Rental reimbursement, towing and labour
Those 'extras' often given with a comprehensive insurance is often use by auto insurance companies as specials.
As always you should ask your auto insurance company what is included in the cover.
Most states, and most countries will require a certain level of cover, from full comprehensive car insurance to third party auto insurance.
Find out more about Auto Insurance company, (http://www.insurance-owl.com/other/car_co.php), on our website.
About the AuthorNick Niesen
Joined: April 29th, 2015
Articles Posted: 33,847
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