To be safe on the road, you must have car insurance. The government requires this, just like seat belts, to protect you from potentially catastrophic situations. Unfortunately, accidents can happen even when you follow the rules of the road. Sometimes, an honest mistake causes an accident.
Liability Coverage
Liability coverage covers your car in case you’re at fault for an accident. If you hit another vehicle, your insurance will pay for medical bills, recovery treatments, and other expenses. It can also cover funeral costs. Comprehensive insurance like car insurance Fredericksburg VA will cover damage caused by incidents other than collisions, like vandalism, falling objects, or animals. A full coverage policy will also have higher liability limits than the state’s minimum. The higher the limit, the more protection you have.
Most states require liability coverage to drive and register a vehicle legally. Depending on the form, you may also need bodily injury protection, uninsured motorist protection, and property protection coverage. Although these policies are required by law, they are considered the baseline for auto coverage and are not available without liability coverage.
Uninsured Motorist Coverage
If you’ve been in an accident with an uninsured motorist, you probably feel a bit helpless. The consequences of this kind of incident can be devastating, and you could be faced with a hefty fine – and no way to defer your auto insurance claim. Luckily, some options will help you deal with these situations.
In the event of a car accident involving an uninsured motorist, your insurance policy will cover your medical bills and car repairs. In addition, this coverage is designed to protect you if an uninsured driver injures you. Depending on your state, you could potentially face criminal charges if the driver has no insurance.
Roadside Assistance Coverage
Roadside assistance is an excellent way to reduce the cost of car repairs. If you break down, your roadside assistance provider will help you find a local service provider and cover the cost of towing your car. You can contact the provider directly or use your insurer’s mobile application to request assistance.
Even though it’s not necessary, some drivers find the peace of mind that roadside assistance provides invaluable. Many companies offer this service, and some offer it as an add-on to your auto insurance plan. You should compare different programs and choose one that best suits your needs and budget. Also, ensure the plan covers the areas you’re most likely to travel to.
Roadside assistance coverage can save your life. Whether in the middle of the city, on a highway, or in a remote area, roadside assistance can help you get back on the road. A roadside assistance provider can sometimes help you unlock your car or fix a flat tire.
Property Damage Liability Coverage
The property damage liability coverage of your car insurance is a way to protect yourself in the event of a crash. Most states require a minimum amount of liability coverage. If you do not have enough coverage, you may have to pay out of pocket for repairs and medical payments.
Property damage liability coverage is essential to ensure you can pay for damage to others’ property. If you are in an accident and hit another driver’s vehicle, property damage liability coverage can help pay for the repairs. Increasing the amount of property damage liability coverage to cover the costs is possible.
This coverage will cover the difference between the value of the car and the loan balance. It can prevent you from having to make loan payments on a totaled car. Many lenders require this coverage for their borrowers.