What Does Auto Insurance Cover?

It depends on the person who chooses the policy as auto insurance coverage and situations are bit different from that of car insurance in which the damages get to pay to the policyholders for an auto accident.

The policy you buy covers you, so it has to be essentially keeping in mind the several types of complex coverage and do your great research over your buy. There could a variant in insurance policy limits and coverage pricing.

Most basic auto policies cover:

Bodily Injury Liability

It applies to the injuries which occur to you during an accident. Even the family members are also covered if they drive the auto policy holder’s car. This becomes very important when you engage in a serious accident; you may be sued for a heavy amount.

Medical payments for Personal Injury

It covers your injuries, lost wages, and funeral costs.

Property damage liability

This feature is applicable to you or anyone driving your car that causes damage to someone else property which includes lamp posts, telephone poles, fences, buildings or other structures your car hit.

Collision

Collision auto coverage covers the costs of collision of your vehicle to whether any object your car strikes badly with such as tree, pole, bench or any other as a result of your car flips over on road or as a result of deer collision (Deer-vehicle-collision are dangerous and costly in which your car hits an animal, avoid that in first place). It also covers damage to potholes.

If you’re at fault in an accident, your collision auto coverage will reimburse in the costs you have pay for your car repair, minus the deductible. If by luck you’re not at faults in an accident, your auto insurance company might recover the amount for other driver’s insurance company and if they succeed then you’ll also be reimbursed for the deductible.

Comprehensive

Comprehensive insurance is totally different from the above ones as it mostly includes natural disaster your car faces without warning which includes fire, falling objects, missiles, explosion, earthquake, wind storm, hail, flood, vandalism, riot, or contact with animals. It also takes guarantee to repair your windshield. This coverage is usually sold with a separate deductible.

Motorist Coverage

It consists of uninsured and under insured coverage.  Under insured coverage reimburses you for you or your family member if hit by another car that doesn’t have any sufficient amount of insurance to pay for your total damage. This also offers protection for the covered driver who’s a victim of a hit and run situation. Get instantly quote in Austin Auto Insurance