Frequently Asked Questions (FAQ)

What Auto Insurance Covers:

Standard auto insurance typically covers damage to your vehicle from accidents, theft, vandalism, or natural disasters like hail or falling trees. It also includes liability coverage for injuries or property damage you cause to others while driving, and may cover medical expenses for you or your passengers, as well as uninsured/underinsured motorist protection.

What It Doesn’t Cover:

Typical exclusions include damage from normal wear and tear, mechanical breakdowns, or damage caused by intentional acts. Specialized coverage, like for ridesharing or custom modifications, may require separate policies or endorsements.

Deductible:

This is the amount you pay out-of-pocket before your insurance kicks in to cover a claim, such as repairs to your vehicle or property damage.

Premiums:

Your auto insurance premium depends on factors like your driving record, vehicle type, location, coverage levels, and claims history.

Types of Coverage:

Policies can be customized with add-ons like roadside assistance, rental car reimbursement, or gap insurance for leased or financed vehicles to address specific risks or needs.

The Claims Process:

After an accident or covered event, contact your insurer to file a claim. An adjuster will evaluate the damage, and your policy will outline coverage details and next steps.

Reviewing and Updating Your Policy:

Periodically review your policy to ensure it aligns with your needs. Changes like a new vehicle, updated driving habits, or adding a teen driver may require adjustments to avoid gaps in coverage.