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Car Insurance Basics
Learning the Basics
1. Bodily Injury Liability Coverage
You want to make sure you have enough car liability insurance in case you are ever in any serious accidents. Sometimes the other party may want to sue you for a huge chunk of money. If you don't have enough insurance, your personal assets could be put up to cover the difference. Definitely make sure you have more than the required state minimum to protect your valuable personal assets.
2. Personal Injury Protection
3. Property Damage Liability
4. Collision Damage Coverage
5. Comprehensive Coverage
This insurance is typically sold with a $200 to $500 deductible, although you may want to choose a higher deductible as an way of lowering the insurance premium. This usually is not needed, but in the rare cases of an unexpected earthquake or fire, can definitely keep you on your feet.
Comprehensive auto insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible. Windshields can range as low as $99 to over $1000 in the higher end cars. Most of the time, the windshields are around $200-$500 dollars.
States do not require that you purchase collision or comprehensive coverage, but if you have a car loan, your lender may ask that you carry the comprehensive auto coverage until your loan is paid off.
6. Uninsured and Underinsured Motorist Coverage
The coverage comes into effect when an at-fault driver has insufficient car insurance to pay for your total loss. This coverage will also help cover you if you are hit as a pedestrian.
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