Personal Auto Insurance – What You Need to Know

Personal auto insurance is necessary for most states. Getting behind the wheel without insurance can have devastating consequences. If you live in Vermont, New Hampshire, Maine, or any other state in New England, you can obtain coverage through Union Mutual. These insurance plans typically include liability coverage, medical payments, and uninsured motorist coverage. You may even be able to qualify for a good student discount. This is one way to lower your rates while still getting the protection you need.

Part B pays for reasonable expenses related to medical treatment or funeral services. The covered person includes the person driving the vehicle, the pedestrian struck by the motor vehicle, and any other occupants of the auto. Some policies even cover non-owned trailers. The key is knowing your policy and what your options are. After all, you are paying for coverage that should pay for anything that happens. The best way to understand what your policy covers is to read it thoroughly.

Your personal auto insurance coverage provides coverage for liability and medical payments. Both types of coverage will protect you in the event of an accident. Liability coverage also pays out for damages caused by an uninsured motorist. Your insurance company will also defend you in the event of a lawsuit from a third party. If you are at fault, your policy will pay for both your damages and the third party’s medical bills. This can help you pay the medical bills and cover the property damage caused by a car accident.

Personal auto insurance is simple and straightforward, but not always easy to navigate. Don’t buy it online without consulting a professional insurance agent. They have the expertise and knowledge to help you manage your auto insurance. And they can help you decide which policy is right for your situation. You don’t want to be caught unprepared, or have a claim. So, contact an insurance agent today. The benefits will far outweigh the inconvenience.

Your personal auto insurance policy does not extend coverage for accidents caused by the self-employed tow truck operator. The vast majority of the vehicle’s use is for business purposes. You may also find that you’re no longer covered if you have an accident while working for a business. Therefore, you should consider getting a separate commercial policy, or ride-sharing insurance if you frequently drive for clients or vendors. The latter is often cheaper and easier to obtain.

Finding the right auto insurance for your business can be a mammoth task. Many people spend weeks neck-deep in documents and researching quotes. But it’s crucial to understand the difference between commercial and personal auto insurance. Commercial auto insurance covers accidents while driving for business, and personal auto insurance covers you when you drive for personal purposes. And the former only covers accidents while you’re driving for business, such as driving to and from work.

Author: Trimwell