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does insurance follow the car or driver
What Does Car Insurance Cover?
If you've been in a car accident, you know the value of getting other driver insurance. The reason is that in most states, other driver insurance is referred to as "collision and comprehensive coverage." more info 's because they are intended to pay for any damages you or the other driver has incurred during the accident.
Collision and comprehensive coverage will also pay for your medical bills if you are injured. And it will help if you're a victim of vandalism or theft. Some policies even cover repairs to your car if someone else breaks into it.
Auto insurance for your car will pay for many things, if you get involved in an accident. You should get this type of insurance before you even plan to drive. But if you are not yet covered by one, there are steps you can take now to save money in the long run. In this article, you'll learn about the types of accidents that will require you to get collision and comprehensive coverage.
A car accident is classified as serious or non-serious. When a car is involved in a serious accident, the insurance will pay for everything. There are two kinds of serious accidents. If you hit a pedestrian and they sustain serious injuries, your insurance will pay for their medical bills.
If the other driver's fault is yours, your insurance will pay for damage to your car. You'll be expected to report the accident to the police immediately, and write down the plate number. If you have insurance already, it will cover your deductible, which is the amount you'll have to pay out-of-pocket if you need to file a claim. Your insurance will pay for the rest.
Non-serious accidents usually involve property damage. If you hit another car, there's nothing the other driver can do to legally change the accident. They can sue you or go after your insurance policy to pay for the costs of repair to your vehicle. In some states, if the other driver is at fault, they may sue you personally, but usually they'll only try that method if they can't get enough money to pay for the damage to your car.
car insurance quotes in olney, il features and collision insurance is designed to cover a wide variety of scenarios. They are typically less expensive than other types of insurance because they cover more than just physical damage.
In short, comprehensive and collision coverage is designed to pay for the damages you incur from a car accident. such as medical expenses, loss and damage to your vehicle.
Comprehensive covers more than just damage to your vehicle. It pays for property damage, as well as medical expenses and personal property damage. Comprehensive and collision coverage also pays to replace your vehicle if it's totaled.
Liability coverage covers liability for your injuries and damages caused by another driver on the road. If you hit someone, you're responsible for the costs associated with their hospitalization and medical treatment.
Collision pays to repair or replace your car, and is the least expensive of the three types of coverage. Collision coverage pays for the cost of repairing or replacing your car, even if it's totaled.
Comprehensive and collision coverage cover just cover the cost of your vehicle and do not pay to replace it. Collision coverage doesn't pay for lost wages or to injured persons, but it does pay for rental cars. If your vehicle is totaled, collision will pay for a few hundred dollars per day until you find a way to repair or replace it, and you can use that money to pay the deductible you owe on your insurance policy.
To make sure you're covered in an accident, you should always get your own car insurance and compare the prices online. There are several websites that allow you to get quotes for the different levels of coverage available from several different companies.
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