Auto Insurance Coverage With AutoSmart Insurance
Get smart about your coverage options
Comprehensive insurance is coverage that helps to pay to replace or repair your vehicle if it is stolen or damaged in an accident that is not a collision. Comprehensive typically covers damage from fire, vandalism, falling objects or events that are out of your control like acts of nature. If you are financing or leasing your vehicle, your lender likely requires comprehensive and collision coverage.
Collision insurance is a coverage that helps pay to repair or replace your vehicle if it is damages in an accident with another vehicle or object. It makes no difference if the damage is a small scrape or a total loss. Contact with an inanimate object that results in damage to your vehicle is considered a collision. If you are financing or leasing your vehicle, your lender likely requires collision and comprehensive coverage.
An auto insurance deductible is what you pay to repair your car if you have an accident or claim. Your deductible only applies to damages to your vehicle rather than someone else. That means if you have a $500 deductible and $1,500 in damages, you pay the $500 deductible and your insurance company pays the rest. Basically, you pay the first $500 of any claim in this scenario.
Uninsured Motorist Coverage
Uninsured motorist coverage protects you if you’re in an accident with an at-fault driver who does not carry any insurance. This type of coverage helps to pay for your medical bills or vehicle repairs. If the at-fault driver does not have any auto insurance, you may end up paying out-of-pocket for those expenses. Underinsured motorist coverage is protection for when you are in an accident with an at-fault driver whose liability limits are too low to cover the vehicle damages or medical expenses.
Medical Payments Coverage
Medical payment coverage is an optional part of an auto insurance policy. It may help you or your passenger’s medical expenses if injured in an automobile accident, regardless of who caused the accident. This type of coverage also extents to pedestrians injured in an accident.
Personal Injury Protection
Personal injury protection, also known as PIP coverage, is a component of auto insurance that covers medical expenses regardless of who's at fault, and often includes lost wages. If you’re in an accident, PIP covers you, your family and any passengers. Depending on the state in which you live, PIP may be an available option, or a required policy add-on.
Rental Reimbursement Coverage
Rental Reimbursement is an optional coverage that helps pay your rental car costs while your car is being repaired as a result of a covered claim. You can generally keep the rental car until your damaged vehicle is back on the road or until your coverage limit runs out, whichever comes first. Rental reimbursement does not apply if your vehicle needs routine maintenance work or if you need to rent a car on vacation.
Emergency Road Coverage
Emergency road coverage is a part of an auto insurance policy that pays for the cost of having your vehicle towed after it breaks down. Usually the services that roadside assistance provide include extrication or winching, fuel delivery, locksmith service, tire replacement, battery jump-start and towing.
Auto liability coverage is required by law in most states. It is the minimum amount of coverage a driver can carry and remain legal. If you cause an accident, you are liable for the accident. This coverage helps to cover the cost of other driver’s property. This coverage will ensure some financial protection if you harm someone or their property while driving. This includes medical expenses and the cost of repairing the other driver’s vehicle.