Who Does Auto Insurance Coverage Protect? An auto insurance policy will cover you and other family members on the policy, whether driving your car or someone else’s car (with their...
Standard auto insurance is basic auto insurance, generally offered to drivers with clean driving records who fall into an average risk profile.
The basic personal auto insurance mandated by most U.S. states provides some financial protection if you or another driver using your car causes an accident that damages someone else’s car or property, injures someone or both. But to make the best decisions about purchasing other types of auto insurance coverage you might need, you’ll want to understand what’s covered, what’s not covered and what’s optional. In addition to understanding types of coverage, you’ll also want to consider coverage amounts. ...
An auto insurance quote is an estimate of how much car insurance will cost you. It spells out the costs and limits of different types of coverage.
UNDERSTANDING YOUR POLICY UNDERSTANDING YOUR POLICY Standard and Basic Policies 4 The Special Policy is a new initiative to help make limited auto insurance coverage available to drivers...
Auto insurance protects you financially by paying the other driver’s car repair and medical bills if you cause an accident. Depending on the kind of coverage you have, it can also pay to repair or replace your car if it’s damaged or stolen. Texas has a Consumer Bill of Rights for auto insurance. Your insurance company will give you a copy of the bill of rights when you get or renew a policy. Texas law requires drivers to show proof they can pay for the accidents they cause. Most drivers do this by buying auto liability insurance. Liability ...
While different states mandate different types of insurance and there are several additional options (such as gap insurance ) available, most basic auto policies consist of: bodily injury liability, personal injury protection, property damage liability, collision, comprehensive and uninsured/underinsured motorist. Note that each type of coverage is priced separately, so there is variability in policy limits and pricing. Bodily injury liability coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. Y ...
coverage for damage to your vehicle, subject to a deductible ; personal injury insurance from a vehicle collision ; liability insurance for damage your vehicle causes to another vehicle or property, or injury to others
Encompass Insurance Company, an Allstate subsidiary, offers robust coverage flexibility at higher rates. If you're looking for customization in your home or auto insurance policies, Encompass is a...
Learn the basic concepts of auto insurance