Types of Insurance Coverage Answers

• Do I have to maintain an auto insurance policy on a car that doesn't run?

  The question should not be over whether or not your car runs, but whether or not it has car registration. Every vehicle with registered license plates must, regardless if it runs or not, maintain auto insurance coverage. If you allow your auto insurance policy to drop while the car has valid veh ...

• Is it a good idea to insure my home and car with the same insurance company?

  Bundling insurance policies with the same insurance company is a great way to save money on your insurance premiums. Depending on your insurance company, bundling home insurance with car insurance can save you up to 20% on protection rates. Combine Auto Insurance and Homeowners Insurance As with ...

• How does an umbrella policy work in terms of auto insurance?

  If you're the type of person who believes in hoping for the best yet preparing for the worst, you may want to consider adding an umbrella policy to your current home and car insurance. The purpose of umbrella liability insurance is to protect your assets when your liability insurance doesn't cov ...

• Top Reasons To Buy Gap Insurance

  Gap insurance isn't needed in all cases, but many people who are using a car loan to purchase a new vehicle or considering an auto lease find that gap insurance is a wise addition to standard comprehensive coverage policies. About Gap Insurance Coverage The purpose of gap insurance is to pay the ...

• Top Reasons To Buy Towing And Labor Coverage

  Towing and labor coverage, sometimes known as emergency roadside assistance, can provide additional peace of mind for drivers who must frequently travel long distances. Towing and Labor Coverage Services The terminology involved in shopping for auto insurance can often be confusing. For example, ...

• Top Reasons To Buy Emergency Road Service Coverage

  If you frequently travel far away from home and your mechanical skills are limited to basic car repair, you may want to consider purchasing emergency roadside service coverage as part of your auto insurance policy. Roadside Insurance Services The exact services covered will vary according to you ...

• Top Reasons To Buy Personal Injury Protection

  First thing’s first: The top reason to purchase personal injury protection is when the law requires it – and, it does, in the following states: Delaware Florida Hawaii Kansas Kentucky Maryland Massachusetts Michigan Minnesota New Jersey New York North Dakota Oregon Pennsylvania Utah ...

• When do I need full coverage?

  First, it’s important to understand that although you can certainly call up your car insurance provider and tell them you want a full coverage policy, full coverage insurance actually isn’t specific kind of auto insurance; rather, “full coverage insurance” is a phrase peo ...

• Guide To Loan/Lease Payoff Coverage

  You may have never heard of loan/lease payoff insurance. But, it’s insurance you should consider having if you’re planning on buying a new or used vehicle and using a car loan to finance the purchase. What is Loan/Lease Payoff Insurance? Also known as guaranteed auto protection (GAP ...

• Top Reasons To Buy Rental Reimbursement Coverage

  There’s really only one main reason to buy rental reimbursement insurance, but it’s a good one: Having this type of coverage can save you a lot of money. What is Rental Reimbursement Insurance? Rental reimbursement coverage pays if you need to rent a car after your vehicle is in a c ...

• Does underinsured motorist insurance cover property damage?

  That’s a tricky question. Yes, underinsured motorist insurance can cover property damage expenses in certain situations. Some auto insurance companies lump underinsured property damage and bodily liability coverage under the broad heading of underinsured motorist coverage. With these comp ...

• Does underinsured motorist insurance cover bodily injury?

  Yes, it can provide bodily injury insurance. But, that doesn’t mean it will in every case. Some auto insurance companies lump bodily injury and property damage cover together under the umbrella of underinsured motorist insurance. In these instances, if you have underinsured motorist cover ...

• Does uninsured motorist insurance cover property damage?

  Uninsured motorist insurance can cover property claims. But, you need to know what you have with this type of auto insurance, as coverages vary. For instance, some carriers don’t differentiate between uninsured property damage and bodily injury insurance. As long as you simply carry uninsu ...

• Does uninsured motorist insurance cover bodily injury?

  It can. But, if you have uninsured motorist insurance, it doesn’t necessarily mean you’ll enjoy bodily injury liability protection. Some car insurance companies don’t split their uninsured motorist coverage into two categories, namely bodily injury and property damage. So, if y ...

• Top Reasons To Buy Medical Payments Coverage

  When you're deciding what type of car insurance to purchase, you may find yourself wondering if you need medical payments coverage in addition to a standard liability insurance policy. The purpose of medical payments coverage is to help pay for medical treatment needed after a car accident, rega ...

• What should I look for in a liability policy?

  Liability insurance covers the damage you may be held responsible for if you are determined to be at fault in an auto accident. This includes bodily injury and property damage in addition to your legal bills if you are sued following the car accident. Meet State Requirements for Auto Insurance W ...

• What is non owner liability insurance?

  Non owner liability insurance is a special type of car insurance that covers expenses relating to bodily injury and property damage that you might cause while driving a car you do not own. This includes rental cars as well as borrowed vehicles that are involved in an auto accident. Who Needs Non ...

• What are the limits of liability?

  The purpose of liability insurance is to provide reimbursement if you cause bodily injury or property damage to someone else after a car accident. Having an auto insurance policy with the minimum liability limits for your state will keep you in compliance with financial responsibility laws, but ...

• Can I get motorcycle insurance and car insurance through the same insurance company?

  Most likely, and purchasing motorcycle insurance and car insurance from the same insurance company is usually mutually beneficial. Motorcycle Insurance and Your Current Insurance Company Most insurance companies that sell auto insurance also sell motorcycle insurance (even those that also specia ...

• Does medical payments insurance cover a health insurance deductible and copay?

  Yes, in most cases. However, it’s impossible to give a single definitive answer to this question because medical payments insurance protection varies. How Medical Payments Insurance Works Here’s how it would work if your medical payments insurance does pay for deductibles (and co-pa ...