Does Auto Insurance Pay for Mechanical Repairs?
In general, standard auto insurance does not cover the cost of mechanical repairs for a vehicle. Auto insurance typically covers damages caused by unexpected events such as accidents, theft, vandalism, and natural disasters. However, some auto insurance companies offer optional mechanical breakdown coverage or extended warranty coverage, which may cover the cost of mechanical repairs. […]
Does Auto Insurance Cover Theft?
Yes, auto insurance can cover theft of a vehicle or theft of parts of a vehicle, depending on the specific coverage the policyholder has. Comprehensive insurance is the type of coverage that typically covers theft of a vehicle or its parts. Comprehensive insurance is an optional coverage that pays for damages to the policyholder’s vehicle […]
What Type of Auto Insurance Covers Hitting a Deer?
Hitting a deer or other animal while driving can cause significant damage to a vehicle. The type of auto insurance that covers hitting a deer depends on the specific coverage the policyholder has. In general, hitting a deer is covered by comprehensive insurance, which is a type of coverage that pays for damages to the […]
Does Auto Insurance Cover Scratches?
Whether or not auto insurance covers scratches depends on the circumstances and the type of coverage the policyholder has. Generally, standard liability coverage and collision coverage do not cover scratches because they only cover damages caused by accidents, collisions, or other covered events. However, if the scratches are caused by a covered event, such as […]
What Is Collision Insurance?
Collision insurance is a type of car insurance coverage that pays for the cost of repairing or replacing the policyholder’s vehicle if it is damaged in a collision with another vehicle or object, regardless of who is at fault for the accident. Collision insurance covers damages to the policyholder’s vehicle caused by a collision with […]
What Is Considered Full Coverage Auto Insurance?
Full coverage auto insurance is a term used to describe a car insurance policy that includes a combination of liability, collision, and comprehensive coverage. The term “full coverage” is somewhat misleading because it does not mean that every possible type of coverage is included in the policy. Instead, it generally refers to a policy that […]
What Is Bodily Injury Liability Coverage on Auto Insurance?
Bodily injury liability coverage is a type of car insurance coverage that pays for damages that a driver may cause to another person in an accident for which they are found to be at fault. It covers the medical expenses and lost wages of the injured person, as well as any legal fees that may […]
What Is Standard Auto Insurance?
Standard auto insurance typically refers to a type of car insurance policy that includes a set of coverage options that are commonly offered by most insurance companies. This type of policy is designed to provide financial protection to drivers in case of accidents, theft, and other incidents that can cause damage or loss to their […]
What Is an Auto Insurance Premium?
An auto insurance premium is the amount of money that you pay to your insurance company in exchange for coverage. Insurance companies use a variety of factors to determine the premium amount, including the type and level of coverage, the make and model of your vehicle, your driving record, your age and gender, your credit […]
Who Is Covered Under My Auto Insurance?
The individuals covered under your auto insurance policy can depend on the specific policy terms and state laws. Generally, auto insurance policies cover: It’s important to note that insurance coverage can vary depending on the insurance company and the specific policy terms. Additionally, some policies may have exclusions or limitations on coverage, so it’s important […]