What Types Of Auto Insurance Are Available?

Auto insurance is coverage for automobiles, trucks, motorcycles, or any other road-going vehicles. The primary function of vehicle insurance is to give financial protection against bodily injury or physical damage resulting from road accidents and also against liability which can also arise in a vehicle from events occurring in the car. The minimum requirement for auto insurance is that the insured owner must have a license to drive a car. If you have a second license, then you are required to have proof of auto insurance, otherwise the license will be suspended. It is essential for every person who owns a car to have an auto insurance policy.You may find more information at San Angelo auto insurance.

The cost of auto insurance coverage depends largely on the type of policy selected and on the type of vehicle insured. Most policies are designed to offer financial protection for a specified amount of time. Most auto insurance coverage has two distinct types: bodily injury liability and property damage liability. Bodily injury liability protects drivers for any claims arising from physical injuries to other persons caused in a crash, whether the accident occurs in the insured’s or another individual’s vehicle. Property damage liability protects policyholders for damage to their own cars and property caused by accidents, even if the accident occurs in another person’s vehicle.

Underinsured motorist coverage reimburses the policyholder for medical expenses and damages incurred as a result of being hit by an uninsured driver. Underinsured motorist coverage differs greatly from traditional auto insurance in several ways, including how much it covers and what kind of coverage is available to the policyholder. Generally speaking, however, the coverage provided through an uninsured motorist policy reimburses the policyholder only for expenses relating to an accident in which the policyholder’s vehicle was damaged or stolen, regardless of who is at fault for the accident. Hit-and-run policies may offer more benefits to policyholders who suffer monetary harm while operating a car that is leased or rented, but such policies are quite limited in the states they offer coverage. For these reasons, it is often better to opt for one of the different types of auto insurance available.

Contact Info

San Angelo Pronto Insurance
3426 Sherwood Way Suite E, San Angelo, Texas 76901
325-777-3278