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How Exactly Does Auto Insurance Work?

Most people get auto insurance because they are legally required to, but it’s so much more than just an arbitrary expense to satisfy the government. Depending on what kind of policy you have, auto insurance can help you get compensation in the event of an auto collision, theft, and other related problems. If your car is damaged or stolen, your insurance provider will cover the cost of repairing or replacing the vehicle. Money may also be available to pay for medical bills after a wreck. But how exactly does it work?

What is Auto Insurance? 

Motor vehicle insurance is a type of policy that offers financial protection for the vehicle as well as those who may be inside of it during a collision. The amount of protection is determined at the time a policy is purchased. Policies are priced based on the risk that the insurance company takes. Therefore, if you have been in an accident previously or have a poor driving record, your policy may cost more than others who have never been in an accident or gotten a ticket.

How Do I Buy a Policy?

An insurance policy can be purchased online or through a local auto insurance agent. Ideally, you will buy at least $100,000 worth of bodily injury coverage per person and $300,000 worth of coverage per accident. It may also be in your best interest to buy collision coverage as well as extra coverage in case you are in an accident with an uninsured driver.

Why Are There So Many Different Types of Policies?

There are many different types of policies because there are many different types of ways a car could be damaged. For instance, if your car is hit by a shopping cart, there isn’t another driver to seek damages from. Therefore, insurance companies created comprehensive coverage to handle those scenarios. If you are at fault for causing an accident, your collision insurance will cover the cost of fixing your vehicle.

How Do I File a Claim?

If your car is damaged or you are hurt in a crash, it is necessary to file an insurance claim. This is done by calling your insurance company and telling them the details of the accident. You’ll want to make sure you have photos of the accident, a police report and all necessary documents in order to answer your agent’s questions. They will be able to guide you through what you need to do for filing your claim since insurance companies have different internal procedures for making that claim.
While there ways to minimize the likelihood of getting into an accident, there is no way to prevent one entirely. Therefore, it is important that you have adequate insurance to protect yourself financially if a crash makes it impossible to work or causes significant damage to your car.

Do’s and Don’ts for Dealing with Insurance Companies after an Accident

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Getting in an accident is a stressful experience. You may have been injured, the damage to your vehicle could be extensive, and now you have to deal with handling an insurance claim on top of everything. The role of auto insurance companies is to protect you financially in the event of an accident, but sometimes it doesn't feel like they have your best interests at heart. You need to know what you should and shouldn't do when dealing with insurance companies after an accident.Don't: Admit FaultI

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