auto insurance

What does liability coverage cover

• Damage to your own vehicle

• Your medical expenses in case of an accident

• Theft of your vehicle

• Your medical expenses in case of an accident

What is Collision coverage used for

• Covering medical expenses for all parties in an accident

• Repairing or replacing the policyholder's car if it is damaged in a collision

• Covering damages from natural disasters

• Protecting against damages caused by uninsured drivers

What does comprehensive coverage cover

• Damage to other people's property

• Damage to your car from non-collision events like theft or natural disasters

• Bodily injuries to yourself

• Damage to your car from a collision

Uninsured/underinsured motorist coverage is used to protect you against what

• Costs incurred from an accident with a driver who has insufficient or no insurance

• Damage to your vehicle from wear and tear

• Damage to your vehicle in a collision with another vehicle

• Theft of personal belongings from your vehicle

What is Personal Injury Protection coverage

• It covers the repair costs of your vehicle

• It covers liability for property damage

• It covers medical expenses and lost wages for you and your passengers, regardless of who is at fault

• It covers damages caused by natural disasters

How do deductibles affect your auto insurance premiums

• Higher deductibles lead to higher premiums

• Lower deductibles lead to higher premiums

• Deductibles have no effect on premiums

• Only comprehensive coverage has deductibles

What does Actual Cash Value mean

• The amount you originally paid for your vehicle

• The replacement cost of your vehicle without depreciation

• The market value of your vehicle at the time of loss, considering depreciation

• The fixed amount agreed upon when purchasing the policy

What does property damage liability coverage cover

• Damage to your own property

• Damage to another person's property caused by your vehicle

• Natural disasters damage to your property

• Theft of your vehicle

What is appraisal

• To determine the best insurance company

• To decide which type of coverage you need

• an official estimate of your vehicle's fair market value

• To calculate your monthly premiums

Which coverage would cover damages to your car from a hailstorm

• Liability coverage

• Collision coverage

• Comprehensive coverage

• Uninsured motorist coverage