What Does My Auto Insurance Cover?

​In most states, auto insurance is mandated by law to protect drivers. Holding a policy is also vital in case of accidents, hence getting one right after purchasing your new car is a must. Here are the must-knows of auto insurance and what it covers:

What Is Auto Insurance and What Does It Cover?
The bond between a provider (auto insurance company) and a policyholder (you) is the auto insurance. This contract protects you as a policyholder in case of theft or accident in return to paying an agreed premium amount. Typically, the auto insurance policy covers the following:

• A damaged or stolen car
• Legal fees in case you have caused injury or property damage to others
• Medical expenses in treating the injured person. This also includes his or her funeral expenses, if lead to death, and lost wages

After applying for a policy, the same will be issued in a six or twelve-month timeframe and can be renewed. For renewal, your insurance company provider will merely send a notice informing you of the renewal deadline and how much you will be paying.

What Other Coverage Are Typical?
The typical policies mandated by law are the ones that only provide liability to car damages you have caused to others. The same strategy does not apply to your car. Hence, if you wish to cover your vehicle to the plan, here are the plans you can consider:

• Collision Coverage. This type of coverage reimburses you an agreed amount after a collision. By collision, we mean being at fault after hitting another car or other objects like a guardrail or a tree. Although some policies do not cover the mechanical failure of the vehicle, it still protects your vehicle from pothole damage.
  
  
• Comprehensive Coverage. This type of coverage protects your car in case of flood, fire, hail, falling tree branches or rocks, and even vandalism. Theft is also included in this coverage. Meaning, you will be reimbursed by an amount agreed by you and the provider.
  
  
• Glass Coverage. The last type of optional coverage is the Glass Coverage. It protects your car from the typical windshield, windows, sunroofs, and other glass surfaces damages of your vehicle. You will be reimbursed by the repair or for having them replaced. 

One should be wise in identifying the perfect auto insurance policy that will fit your needs. We hope this one helps!

At Infanger Insurance Inc, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (208) 557-8157. Get your free quote today by CLICKING HERE.