Personal Auto Insurance
What Is Personal Auto Insurance?
Personal auto insurance only covers accidents that occur while you’re driving your vehicle for personal use. That includes commuting to and from work and travel unrelated to your job duties. Policies typically insure the owner of the vehicle and one or two immediate family members.
Your personal car insurance won’t cover business use
Most personal auto policies specifically exclude business use. If you get into an accident while driving for work, your insurance company will likely reject your claim. In some cases, personal auto insurance might include limited coverage for business use. Check with your insurance company to find out exactly what is and isn’t covered.
What Does Personal Auto Insurance Cover?
6 Types of Auto Coverage Explained:
- Liability coverage
Protects you if you cause damage to others and/or their stuff. Liability can help cover another person’s medical bills or costs to repair their vehicle and property damaged from the accident. Most states have legal minimums to how much liability coverage you must have. It’s often a good idea to carry more than what’s required, to decrease your chance of high out-of-pocket costs later.
- Collision coverage
Covers your car if you hit another car, person or non-moving object (like those darn ornamental rocks cousin Todd has at the end of his driveway). #TrueStory Collision coverage helps cover costs to repair your vehicle regardless of fault. Collision does not cover if you hit an animal or if your car breaks down because it’s really old and untrustworthy.
- Comprehensive coverage
Protects your car from things other than liability and collision, like theft, vandalism, fire, severe weather, hitting Bambi (don’t worry, he’s fine), etc. Comprehensive coverage is typically sold alongside collision coverage. Think of them as peanut butter and chocolate. Ok on their own. But together, magic. Sometimes, when you have more questions than answers on confusing insurance terms, it might seem easier to do nothing at all. So, whether you’re protecting the things you love or preparing for tomorrow, don’t get overwhelmed, get started.
- Personal Injury Protection
Pays for the policyholder’s direct and indirect medical expenses after an accident. Required in 12 states.
- Uninsured/Underinsured Motorist
Covers vehicle damage and medical expenses after an accident with an uninsured/underinsured driver. Required in 20 states.
- Medical Payments
Pays for the policyholder’s direct medical expenses after an accident. Required in two states.
- Liability coverage
How to Get Personal Auto Insurance
If you need personal auto insurance, we’re here to help. Contact Superior Choice Insurance today for a quote or to discuss your personal auto insurance needs.