Houston Auto Insurance Coverage
What does comprehensive car insurance cover mean?
Simply put, comprehensive coverage protects you against damages to your car that are the result of coveredperils not related to a collision. Think of a scenario that could cause damage to your car that has nothing to dowith striking another vehicle. In many cases, this can include: Theft. Vandalism.
What is comprehensive deductible auto insurance?
Because the loss was due to an incident other than a collision, your Comprehensive insurance can be used. If you chose a $500 deductible, you would pay the first $500 out of pocket to replace your vehicle.
What is covered by comprehensive car insurance?
Comprehensive coverage: Coverage that pays for damages to your vehicle resulting from a covered loss other than a collision, such as fire, theft, vandalism or contact with persons, animals, birds or falling objects.
This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver. (check your state specific laws for specific coverage)
Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian. Normally in Kentucky this coverage is for bodily injury only and does not cover any property damage.
Auto Insurance and Car Insurance Coverage from the basics to other additional coverages :
Not every policy contains every line of auto insurance coverage.
Bodily Injury Liability Insurance covers injuries in the other car when you are at fault for the accidents. Property Damage Liability Coverage covers damages to the other persons vehicle if you are at fault for the auto accident. Bodily Injury and Property Damage Liability coverage protects you if you cause a car accident. The car insurance company will pay for the other persons damages to their car and injuries in the other car. Some car insurance policies contain liability insurance coverage only. Review your own auto insurance policy to determine which car insurance coverages are available.
Collision coverage protects you if you get hit by a car or another vehicle. The collision coverage provides coverage for the vehicle that you own less any applicable deductible. You can choose the insurance deductible and you will pay this portion to the repair shop. A separate premium must be paid for collision coverage. Check your auto policy to determine if Collision coverage is available.
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