State Farm Insurance Agent

Rental car Insurance State Farm


Auto insurance can be confusing, especially since state laws vary and require different kinds of coverage. Below is a general Q&A so that you can familiarize yourself with a few key terms as you make your way through the quote process.

Q: Who does my auto insurance policy cover?

A: An auto insurance policy typically covers you, your spouse, relatives who live in your home, and other licensed drivers who have permission to drive your insured vehicle.

Q: What are auto insurance “coverages”?

A: An auto insurance policy generally consists of several kinds of coverage, which represents different aspects of your overall auto insurance coverage. There are many kinds of coverage; some examples are liability, personal injury protection, medical payments, and collision.

Because all 50 states have different auto insurance laws, coverage descriptions vary from state to state. Below you can find some general information about the most common auto insurance coverage. For more specific information about your state, talk to your local agent.

Liability Coverage

Auto liability coverage pays for damage if you’re legally responsible for accidentally injuring someone or for damaging another vehicle or other property in an auto accident.

Auto liability coverage falls into two categories:

  1. Bodily Injury Liability covers medical expenses, pain and suffering, lost wages, and other special damages.
  2. Property Damage Liability covers damaged property, and may include loss of use. Your Liability coverage also pays legal defense and court costs.

State laws usually dictate the minimum amounts of insurance required, but higher amounts are often available.

Personal Injury Protection (PIP)

In some states, this coverage pays the reasonable and necessary medical expenses for covered persons for treatment due to an auto accident. Depending on the state and the particular coverage, it may also pay for rehabilitation, lost earnings, replacement of services (for example, childcare if a parent is disabled), and funeral expenses.

Medical Payments

This coverage pays reasonable and necessary medical and funeral expenses for covered persons when those expenses are related to an auto accident. It’s available in most states.



Share this article





Related Posts


Find car insurance rates
Find car insurance rates
Getting car insurance quotes
Getting car insurance quotes

Latest Posts
New law on car insurance
New law on car…
PORTLAND, Ore. - A new law enacted by…
Compare car insurance rates side by side
Compare car insurance…
If you’re looking for the cheapest car…
Cheap insurance for my car
Cheap insurance…
Insure My Rental Car’s mission is simple…we…
Car insurance quotes Michigan online
Car insurance…
Michigan auto insurance is an important…
Low rates auto insurance
Low rates auto…
Finding the cheapest car insurance in…
Search
Featured posts
  • State Farm insurance policy information
  • Find car insurance rates
  • Getting car insurance quotes
  • Old car insurance quotes
  • Cherished car insurance quotes
  • State Farm Auto Insurance online
  • State Farm car Insurance Login
  • Multiple car insurance providers
  • Cheap Multi car insurance
Copyright © 2017 l autoinsurancelin.org. All rights reserved.