Auto Insurance

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Auto Insurance

Maximize Your Auto Insurance Savings!

Save on auto insurance by comparing multiple quotes, selecting higher deductibles, and maintaining a clean driving record.

Take advantage of state-specific discounts, bundle policies for better rates, and install safety features for added savings. Regularly review your policy to ensure you have the best coverage at the most cost-effective price.

Motor Insurance

What is Auto Insurance?

Auto insurance offers financial protection against accidents, theft, and vehicle damage. It includes liability coverage and can be enhanced with comprehensive or collision coverage.

Additional options like roadside assistance, uninsured motorist coverage, and rental car reimbursement provide extra security and peace of mind.

What are the types of Motor Insurance Policies?

Auto insurance policies generally fall into the following types:

  1. Liability Insurance – Covers bodily injury and property damage caused to others. Required by law in most states.
  2. Collision Insurance – Pays for damage to your vehicle due to an accident, regardless of fault.
  3. Comprehensive Insurance – Covers non-collision-related damages like theft, fire, vandalism, and natural disasters.
  4. Uninsured/Underinsured Motorist Coverage – Protects you if the at-fault driver has insufficient or no insurance.
  5. Personal Injury Protection (PIP) / Medical Payments (MedPay) – Covers medical expenses for you and passengers, regardless of fault. Required in some states.
  6. Gap Insurance – Pays the difference between your car’s actual value and the remaining loan amount in case of a total loss.
  7. Roadside Assistance & Rental Car Reimbursement – Optional add-ons for emergency support and rental vehicle costs after an accident.

What is Own Damage Cover in Auto Insurance?

Own Damage Coverage in auto insurance helps pay for repairs or replacement of your vehicle if it’s damaged due to:

  1. Collisions – Accidents with other vehicles or objects.
  2. Natural Disasters – Storms, floods, hurricanes, or earthquakes.
  3. Theft or Vandalism – Protection if your car is stolen or intentionally damaged.
  4. Fire & Explosions – Covers vehicle damage from fire or explosions.

This coverage is typically included in collision and comprehensive insurance policies. It does not cover third-party damages, which require liability insurance.

What are the exclusions in a Auto Insurance?

  1. Driving Under the Influence – Accidents caused while driving under the influence of alcohol or drugs.
  2. Intentional Damage – Deliberate damage to your own vehicle or fraudulent claims.
  3. Unlicensed or Unauthorized Driving – If the driver is unlicensed or excluded from the policy.
  4. Wear and Tear & Mechanical Failures – Routine maintenance, tire wear, engine breakdowns, or mechanical issues.
  5. Racing or Illegal Activities – Accidents occurring during racing, stunts, or reckless driving.
  6. Using the Vehicle for Business Purposes – If the car is used for business or commercial activities without proper coverage.
  7. Uninsured Custom Parts & Modifications – Aftermarket upgrades or accessories not declared in the policy.
  8. Excluded Natural Disasters – Some policies may not cover floods, earthquakes, or hurricanes unless you add specific coverage.
  9. Theft Due to Negligence – Leaving the vehicle unlocked or keys inside may void theft claims.
What are the advantages of a Car Insurance Policy?

What Does Auto Insurance Cover? (Inclusions)

Inclusions in a Motor Insurance Policy specify circumstances or events where the insurer will not provide coverage.

General Inclusions
Driving Under the Influence (DUI/DWI): Losses due to accidents caused while driving under the influence of alcohol, drugs, or intoxicating substances.
Unlicensed or Unauthorized Drivers: Accidents involving drivers without a valid U.S. driver’s license or those explicitly excluded from the policy.
Intentional or Fraudulent Damage: Any damage caused intentionally, including fraudulent claims or criminal acts.
Mechanical or Electrical Failures: Coverage excludes normal wear and tear, mechanical breakdowns, and electrical failures unless resulting from a covered incident.
Racing, Stunts, or Off-Roading: Losses occurring during racing, stunt driving, off-roading, or other high-risk activities not covered by standard policies.
Unauthorized Commercial Use: Personal auto insurance does not cover accidents while using the vehicle for business, rideshare, or delivery services (unless covered by endorsements).
Unapproved Vehicle Modifications: Damage caused by unapproved or unreported aftermarket modifications that increase risk or alter the vehicle’s original safety features.