Auto Insurance Coverage Types

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Does my auto insurance cover rental cars when I am traveling out of town?

When traveling out of town, often one of the best ways to maintain mobility is to rent a car. However, this can raise a lot of questions, specifically when it comes to your auto insurance policy. Many may wonder if their existing policy covers a rental car, whether you can rent a car without having a...

When traveling out of town, often one of the best ways to ma...

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Does my auto insurance cover damage caused by a lightning strike?

If lightning strikes a car, the electricity will seek the path with the least resistance to go to the ground. Some of the electricity will traverse the automobile’s frame, and other parts of the electrical energy will flow through the electrical system. In modern vehicles with computers, the electronics will suffer damage and may become...

If lightning strikes a car, the electricity will seek the pa...

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Does my auto insurance cover damage caused by a landslide or mudslide?

Regular homeowners insurance policies do not cover damage to the home or a parked vehicle from a landslide or mudslide. To cover a home, you need separate insurance policies for each type of disaster, including floods, earthquakes, landslides, mudslides, and mudflows. In addition, you must add comprehensive vehicle insurance to cover all these risks.Read More:...

Regular homeowners insurance policies do not cover damage to...

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Does my auto insurance cover damage caused by a hailstorm or heavy rain?

Hailstorms can occur anywhere in the United States. They are, however, more frequent in the Plains states, including Nebraska, Kansas, Oklahoma, and Texas. Living in these parts means having optional comprehensive insurance to cover damage caused by a hail storm or heavy rain is recommended. Damage from heavy rain may occur if the water gets...

Hailstorms can occur anywhere in the United States. They are...

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Does my auto insurance cover damage caused by a friend who borrowed my car and got into an accident?

When your friend borrows your car and has an accident, it’s crucial to understand what situations your auto insurance covers. But does auto insurance cover damage caused by a friend who borrowed your car and got into an accident? In this instance, “permissive use” activates. It refers to situations where you— as the vehicle owner —...

When your friend borrows your car and has an accident, it...

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Does my auto insurance cover damage caused by a flood or hurricane?

Understanding the different types of auto insurance coverage can help you navigate topics like auto insurance coverage for damage caused by a flood or hurricane. Well, auto insurance coverage for natural disaster damage is critical for vehicle owners in areas prone to these occurrences. In this article, we’ll discuss whether you’re covered against flood and hurricane...

Understanding the different types of auto insurance coverag...

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Does my auto insurance cover damage caused by a driver who is uninsured or underinsured?

Many people drive without insurance, so it is a good idea to have extra uninsured and underinsured motorists coverage for this risk. Otherwise, you do not have coverage for this damage if the other vehicle’s driver is not insured or has too small an amount of insurance. Even though driving without auto insurance is illegal...

Many people drive without insurance, so it is a good idea to...

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Does my auto insurance cover damage caused by a blown tire?

Some may wonder, does auto insurance cover a flat tire? The answer is usually no. However, the reason for a tire blowout and what happens afterward may determine your insurance coverage. Does auto insurance cover damage caused by a blown tire? Here are different tire blowout scenarios to consider. The problem might be a maintenance issue that...

Some may wonder, does auto insurance cover a flat tire? Th...

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Can I get auto insurance for a car that is used for teaching or driver education purposes?

Can I get auto insurance for a car used for teaching or driver education purposes? You can and are encouraged to get your driver’s education car insurance. Learning to drive is an important rite of passage for many teenagers and adults alike.Read More: Types of Auto Insurance Coverage However, inexperienced student drivers face different challenges...

Can I get auto insurance for a car used for teaching or driv...

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Can I get auto insurance for a car that is used for business purposes?

Commercial auto insurance can avoid a headache if you drive your car for business purposes. Everyone should have auto insurance, whether you are a delivery driver or an entrepreneur. Usually, personal auto insurance doesn’t cover an accident or incident caused at work. Can you get auto insurance for a car used for business purposes? Choosing...

Commercial auto insurance can avoid a headache if you drive ...

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Does my auto insurance cover damage caused by a driver who borrowed my car without permission?

Does auto insurance cover damage caused by a driver who borrows your car without permission? If someone borrows your car without permission, they are technically stealing it, even if this crime is not reported. Knowing how to drive without insurance is one thing, but knowing that it is illegal is more important. When a stolen car gets...

Does auto insurance cover damage caused by a driver who borr...

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Does my auto insurance cover damage to my own car if I am at fault in an accident?

When two parties get into a car accident, one party is often more at fault than the other. The at-fault party’s insurance is typically responsible for paying healthcare and repair costs for the other party. However, if you’re at fault in an accident, your car probably also suffered damage. Does auto insurance cover damage to...

When two parties get into a car accident, one party is often...

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Can I get auto insurance for a self-driving car?

Can you get auto insurance for a self-driving car? Insurance companies often give discounts, like an airbag auto insurance discount, for a vehicle with safety features. There may be discounts on insurance rates if a vehicle has safety features that are not legally required. Some savings may come indirectly due to a vehicle’s improved safety rating.Read...

Can you get auto insurance for a self-driving car? Insurance...

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Does my auto insurance cover a stolen car?

Many states legally require drivers and owners to carry liability insurance on their registered vehicles. This insurance is for bodily injury and property damage. Does auto insurance cover a stolen car? No state has any requirement for insurance against the theft of a vehicle. Vehicle theft is only covered by optional comprehensive insurance coverage, which...

Many states legally require drivers and owners to carry liab...

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Does my auto insurance cover damage caused by a deer or other wildlife?

Does your auto insurance cover damage caused by a deer or other wildlife? To thoroughly understand auto insurance, it is helpful to learn the different types of auto insurance coverage. It is possible to have collision coverage, as that is a requirement in many states, and not have comprehensive coverage, since that is optional. Surprisingly,...

Does your auto insurance cover damage caused by a deer or ot...

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Can I change my auto insurance coverage at any time?

You can change auto insurance at any time, and it is a good idea to conduct an auto insurance review when near the policy renewal time. In this review, you will want to make adjustments for any life changes and also take the time to shop around for the best deal. A free auto insurance...

You can change auto insurance at any time, and it is a good ...

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Does my auto insurance cover damage caused by an uninsured driver if I have collision coverage?

Auto insurance is an essential aspect of owning and driving a vehicle. It protects you from financial losses arising from accidents, collisions, or unforeseen events on the road. One of many drivers’ most common concerns is whether their auto insurance covers damages caused by an uninsured driver driving without auto insurance. This article discusses the chances...

Auto insurance is an essential aspect of owning and driving ...

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Does my auto insurance cover damage caused by my own negligence?

Negligence is a critical factor in determining auto insurance coverage. Throughout your life, you’ll find yourself in all kinds of situations. However, when it comes to auto insurance payouts, you may wonder who is at fault if you rear-end somebody who slammed on their brakes, T-boned you at a junction, or even if you reversed into...

Negligence is a critical factor in determining auto insuranc...

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Does auto insurance cover damage caused by an overheated engine?

We all know that there are many things to consider when it comes to looking after our vehicles and that doing so can help with the average cost of auto insurance. Of course, we regularly check some things like the oil levels, the windshield wiper fluid, or the tire tread. But one thing that we don’t...

We all know that there are many things to consider when it c...

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Does my auto insurance cover damage caused by a water main break?

If you discover that a major water pipe has broken in your neighborhood and your car is now filled with water, you might wonder, “Does auto insurance cover damage caused by a water main break?” Water can ruin your car’s carpets, upholstery, electrical systems, and even the engine, so getting it fixed as soon as...

If you discover that a major water pipe has broken in your n...

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