What Basic Automobile Insurance Covers

Getting your automobile insured is a responsible task that all drivers should undertake. It ensures that both you and your vehicle are covered in the event of an accident or mishap on the road. Getting your vehicle insured also saves you costs that you would otherwise have to incur. As a driver, your safety and that of other road users is in your hands. Therefore, you should take it upon yourself to make sure that you have taken all the safety precautions necessary to ensure your safety and that of other road users. Sure, it will cost you a small amount monthly depending on the package you purchase, but it is worth every penny if you find yourself in a road accident.

Basic auto owner’s insurance companies in Arlington cover about six areas, all of which are priced differently.

1. Body Injury Liability 

This insurance applies in situations whereby you, as the driver, have caused harm to another road user. It also applies in situations whereby you or any of the family members listed on your policy are driving another individual’s vehicle. It is necessary to have this coverage because in the event of a serious accident, the injured party may decide to sue you for a large amount of money.

2. Collision 

This auto insurance applies in situations whereby your vehicle flips over, collides with an object on the road or another vehicle. It also covers damages caused by potholes. Regardless of whether you are at fault or not, your insurance will still pay for the repairs your vehicle needs.

3. Personal Injury Liability 

This auto insurance applies whereby you, as the holder of the policy, or any of your passengers get injured in an accident. It goes further to pay for your treatment as well as repairs that the vehicle will need as well as lost wages. In some cases, it can even take care of the funeral costs.

4. Damaged Property Liability 

This applies in cases where you or anyone using your automobile with your consent causes damage to another individual’s car. However, it is not limited to vehicles, it also covers the costs for public property that has been damaged such as telephone posts.

5. Comprehensive 

This applies in cases whereby your vehicle has been stolen or has been damaged by causes other than a road accident. This includes things such as fire, floods, earthquakes and explosions among other things. It even covers costs to replace shattered windshields.

6. Uninsured Motorist Coverage

This applies in situations whereby you or anyone listed on your policy are hit by a hit-and-run driver or by an uninsured driver. It also covers situations whereby you are hit as a pedestrian or cases whereby the other driver’s insurance is not enough to cover your medical bills.

Jane Doe is a freelance writer and author. She writes for many auto owner’s insurance companies in Arlington and has published a lot of material on auto insurance.