Author: Brian Stevensbr
Source: articledashboard.combr
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Car insurance can be confusing, to say the least. Heres a simple explanation of what car insurance is and what it covers.
bWhat is car insurance?/b
Simply stated, car insurance is a contract between you and your insurance company that protects you against financial loss when youre involved in an accident. You pay a fee and your insurance company agrees to pay for losses that are covered in your insurance policy.
bWhat does car insurance cover?/b
Basic car insurance covers the following:
* Bodily injury liability coverage pays for medical expenses and lost wages for anyone you injure in an accident. It also pays your legal expenses if youre sued.
* Property damage coverage pays to repair the other persons car and any personal property you damage in an auto accident.
* Collision coverage pays to repair your car when youre involved in an accident.
* Comprehensive coverage pays to repair your car when its been damaged by incidents other than an accident such as vandalism, theft, fire, floods, or storms.
* Personal injury protection pays for your and your passengers medical bills when youre involved in an accident, no matter who was at fault.
* Uninsured motorist coverage pays for your injuries if youre hit by an uninsured, underinsured, or hit-and-run driver.
* Rental coverage pays for a rental car when your car has been stolen or damaged and is being repaired.
* Towing coverage pays for towing fees when your car breaks down and you need to be towed.
bWhere can I get cheap car insurance?/b
Because rates can vary by hundreds of dollars from one company to the next, the best way to get cheap car insurance is to go to an insurance comparison website where you can get rate quotes from multiple insurance companies./pbr
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