Coverage Auto Insurance Explained

Coverage Auto Insurance Explained

Auto Insurance Explained

There’s no such thing as full coverage. People think that term means that you’re covered that all the optional coverage is available to you are going  to be on your auto policy!

Full coverage really is just meaning that you have collision coverage…and you have comprehensive coverage and you have a deductible! But full coverage when they say that to you at the at the auto dealer they just mean!

we want you to have collision and comprehensive coverage.. Because we want to make sure anything happens to your car it’s gonna be fixed because we still own the car right they don’t care if you have a real car when your car’s in the shop they don’t care if you’re hurt because an uninsured motorist hits. You they don’t care if you have to pay hundred dollars to get your car towed.

Okay all they care about is that your car gets fixed  in Texas like.. If you own your car free and clear the only coverage you have to have is liability coverage and that covers the other car or the other person that you might hit in an asphalt accident.

Okay you have to have that coverage. Now, If  you’ve paid for your car and you don’t have a lender that’s the only coverage you  have to have by  law… now  if you have a lender and they technically own your car and you haven’t paid it off..  Then you have to have collision coverage and comprehensive coverage and that’s all they care about the other optional coverage..

That  are important and that are good for you have are uninsured motorist coverage rental car reimbursement coverage to cover   you – to get a rental car when your car’s the shop after an accident personal  injury  protection and medical payments  coverage.

Then towing an insured motorist coverage and underinsured motorist coverage covers you if somebody hits you that doesn’t  have insurance. Now,  in the state of Texas estimated that like 20 percent  of the drivers are driving around without insurance. So,  it is important to have  an insurance  coverage because  if  somebody hits you and  you  only have liable only then you have no coverage  like for your injuries  and if you reject it you do have to sign a form stating.. You’re aware that you don’t have  that coverage in and you reject it rental  car reimbursement coverage is the coverage that you have to  cover you  if your car’s in the shop and you need  to have a rental car  a lot of people think .

When they have full  coverage that  means  they automatically  have a rental car for 30 days and people get really upset after they an accident  and they can’t get around and they have to pay for their own rental car because you know the insurance companies get better rates on rental cars and so  it could cost you a lot of money. But you have to specifically   choose that coverage and it is completely an optional coverage on your auto policy.

Personal injury protection covers your medical expenses and also your lost earnings and it even covers you know for somebody to come to your house maybe and help you with rehab and personal injury protection covers not only yourself that’s the driver but it would cover any passenger  in the car .. But if you don’t have it then you have any coverage for your medical expenses if you’re in an act fault accident.

Towing is just a small optional coverage its only like $7 per vehicle for six months. So, it’s just a little over $1 a month that you pay and it will cover up to  at least our policy up to 120 dollars for towing or roadside assistance or if you lock your keys in  your car and those are all your choice those for optional coverages. You decide if you want them or not…

Post Editor By Taj
Website Owner By Shanto Khan

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Shanto Khan

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