Does Insurance Cover Auto Theft?

It is probably best to divide this question as stolen cars and items taken from them. Owners must have Comprehensive auto insurance coverage to be able to claim for stolen cars and damages during theft. Sometimes, they are more interested in what is inside than the vehicle itself and thieves break in to get them….

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Does Car Insurance Cover Other Drivers?

Most auto insurers want to know about people of driving age living with you in the same household because they include them in their premium calculations and on the policy. And, standard car insurance policies cover occasional drivers who may use your car on the off chance with your permission, providing there are no limitations and exclusions…

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What Is Third Party Auto Insurance

Third party car insurance covers the legal liability you would face if you cause injuries and damages to other people in an accident you are at fault. Virtually every state requires vehicle owners to arrange minimum liability coverage. Since this coverage is for the protection of others and allows them to make claims on your…

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What Is Standard Auto Insurance Coverage?

When people talk about a typical policy, they refer to standard car insurance coverage, which follows the common industry practices in the way they insure vehicles and drivers and stay within the usual limitations and restrictions. Average motorists, who have sufficient experience and acceptable records don’t need to make special arrangements and they can get…

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State Minimum Auto Insurance

Each state determines its own minimum car insurance requirements. Vehicle owners must comply with these laws to avoid penalties such as fines, license suspensions, vehicle impoundments, and even potential jail sentences in certain circumstances. Typically, these minimums include liability coverage and may include other coverages like Personal Injury Protection or Medical Payments and Uninsured Motorists…

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What Does Auto Insurance Cover?

Motorists first should figure out how much car insurance coverage they need before worrying about buying a policy. They should look at what is included in various types of policies to decide which would suit them best rather than start searching for the cheapest. The premium difference between a basic policy and a good one…

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10 Costly Auto Insurance Mistakes

Vehicle insurance is legally required but most people buy it for the peace of  mind it offers. That is why it is important to pay attention to detail and get the right coverage, carrier and pay a fair price. Insurance is a product that needs to be bought beforehand and cannot be bought after realizing…

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Auto Insurance Coverage Recommendations

People buy car insurance to protect themselves against the costs of accidents, unexpected losses and financial distress caused by them. Without coverage, even a moderate crash could force you to pay thousands of dollars out of pocket. Nonetheless, if you keep adding every coverage available, you run the risk of costs outweighing benefits at the…

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What Is Non Owners Car Insurance

Non-owner auto insurance policies are designed to provide liability coverage for individuals who do not own a vehicle but may need or want coverage for driving other people’s or rental cars. These policies typically fulfill state requirements and can also offer coverages such as Personal Injury Protection (PIP) and Uninsured Motorist Coverage, depending on state…

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Cheap Liability Car Insurance

You’ve recently made a car purchase and can’t wait to get behind the wheel. Your primary concern is adhering to state laws to ensure legal driving. In order to meet these requirements, you’ll need affordable liability only auto insurance that comes with liability coverage and other state mandated coverages. This type of a policy offers…

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Cheap Full Coverage Car Insurance

After spending a lot of money for an automobile the next logical step would be to insure this investment. Then, you would want decent liability limits in case you or other permitted drivers cause injuries to other people or damages to third party properties. Taking care of these risks that can ruin financial health would…

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What Is the Minimum Car Insurance You Need?

In order to be able to drive legally motorists should at least buy liability auto insurance coverage, which is compliant with their state’s minimum requirements but providers cannot sell a policy less than this amount for a vehicle in use anyway. However, basics are set to protect the public from motorists who would otherwise have…

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Does Auto Insurance Cover Pothole Damage?

Pothole damage is considered a loss arising from hitting an object on the road and normally covered by Collision coverage so you can only make a claim if you have this coverage on your car insurance policy. Remember that collision coverage comes with deductibles and therefore, the damages may need to be substantial for it…

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When to Drop Collision Insurance?

Certainly, it is a very valuable component to protect a vehicle against accident related losses. Under normal circumstances, it is a must when the automobile still has some value. And yet sometimes you may be justified to drop it, as it may be waste of money. We will look at when is the best time…

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What Does Liability Car Insurance Cover?

Although buying a car is easy and anyone can have one, driving a vehicle on public roads is a privilege, which requires compliance with the highway codes and state rules. Liability auto insurance is a system designed to compensate people who suffered from a traffic accident caused by other drivers. That is why it is…

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Do I Need Rental Car Reimbursement Coverage?

Motorists often assume that they will receive a courtesy car free of charge when their vehicle is undergoing repairs. However, the reality is that Rental Car Reimbursement coverage is typically not included in auto insurance policies by default. This coverage is designed to pay for the costs of a replacement vehicle when your own car…

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What Are Car Insurance Policy Endorsements?

An auto insurance endorsement, also called a rider, changes the original policy by adding, deleting, excluding or amending the wording that allows policyholders to customize their coverage to include their special protection requirements or reduce risks and premiums by excluding a high-risk driver or limiting the scope of the coverage. It may also be used…

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