When you purchase insurance for your car, you probably don’t check to see what’s included in your coverage. Perhaps you chose the policy with the lowest premium and left it at that. You may want to take another look at your coverage, though. If you make sure that you’re educated about what type of coverage you need, you can double check and make sure that you have the right amount of coverage for your car and your situation. Here are some things that you’ll want included in your coverage:
Liability Coverage for Property Damage
Property damage can happen in a variety of different situations. Sometimes it happens during an accident involving another car, and sometimes it occurs when you accidentally hit an object with your car. Car insurance near Santa Ana can provide coverage for damage to any property that your car hits. This might include another car if you collided with someone. It can also include things like light poles, road signs and buildings if your car does damage to any inanimate object. This coverage is a tremendous help in the event that you hit something.
Coverage for Collisions
In contrast to liability coverage for property damage, collision coverage takes care of the damage done to your car during a crash. These are the repair costs that a mechanic or body shop typically charges you when they have to fix the damage to your car. If you are in an accident, your auto insurance quotes santa ana adjustor may ask for you to take pictures of the damage your car has sustained in order to get your repairs covered by insurance. This type of coverage is crucial for getting your car (and you) back out on the road.
Coverage for an Underinsured/Uninsured Motorist
Underinsured or uninsured motorist coverage can be a lifesaver for you. If you happen to hit another car (or a pedestrian) who has no insurance, uninsured motorist coverage can pay for the repairs that you need to make to your car so that it’s functional again. Underinsured motorist coverage steps into the gap when another driver does not have enough of their own business insurance santa ana coverage to adequately pay for damages to your car. By taking a close look at the types of coverage in your policy, you can decide whether your auto insurance coverage needs an adjustment.