What Should You Know About Car Insurance?

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Every day, people are injured in car accidents that could have been prevented.

Car insurance is a necessity for any driver who wants to protect themselves against the financial consequences of an accident and injury. But how do you know if you’ve got enough coverage? What should you look for in your policy? When is it time to call your agent?

Here are a few things everyone should know about car insurance:

About Car Insurance

Your auto insurance policy is a contract between you and your insurance company. It’s a legally binding agreement that outlines what type and how much coverage you have, as well as your responsibilities as a policyholder.

Types of Coverage

Most countries require drivers to have liability insurance, which covers property damage and bodily injury if you’re at fault in an accident. But there are other types of coverage that are often optional but can be useful depending on your situation. These include:

Collision insurance

This covers damage to your own vehicle if you’re in an accident.

Comprehensive insurance

This covers damage to your vehicle from things like weather, theft, or vandalism.

Medical payments/personal injury protection

This covers medical expenses and sometimes lost wages if you or your passengers are injured in an accident.

Uninsured/underinsured motorist

This covers damages if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.


A deductible is an amount you have to pay out of pocket before your insurance company starts to pay for damages. For example, if you have a $500 deductible and your car is totaled in an accident, you would have to pay the first $500 of repairs yourself.

Choosing the Right Coverage

The type and amount of coverage you need depend on a few factors, including:

  • The type of car you drive
  • Your driving record
  • Your state’s insurance requirements
  • How much you can afford to pay out of pocket if you’re in an accident

An experienced agent can help you choose the right coverage for your needs and budget.


Many insurance companies offer discounts on your premium if you meet certain criteria. For example, you may get a discount if you have a clean driving record or if you buy multiple policies from the same company.

It’s always a good idea to ask your agent about discounts that might be available to you.

What To Do After an Accident?

If you’re in an accident, the first thing you should do is call the police and then your insurance company. Your insurance company will send an adjuster to assess the damage and determine how much your repairs will cost.

You’ll also need to give a statement to the other driver’s insurance company if they contact you. It’s important to be honest, but you should avoid giving too much information. You don’t need to give a recorded statement or sign any documents without talking to your agent or an attorney first.

Once the repairs have been made, your insurance company will send you a check for the amount of your deductible and any other out-of-pocket expenses.

What To Do If You Have a Claim Denied?

If your insurance company denies your claim, you have the right to appeal the decision. The appeals process will vary depending on your insurance company, but it usually involves submitting additional documentation or evidence to support your claim.

You may also want to consider hiring an attorney if you feel like you’re not getting anywhere with the appeals process.


Car insurance is a legal requirement in most countries, but that doesn’t mean you should just buy the minimum amount of coverage. It’s important to understand your coverage options and choose the right policy for your needs. An experienced agent can help you navigate the process and find the right car insurance for you.

Also, remember that before you make your decision you should always Compare Car Insurance Quotes to make sure you are getting the best deal.

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