Auto Insurance Explained: At Fault States

You may feel confused about auto insurance now but we're gonna fix that. This easy to understand video is the perfect step-by-step guide to your auto policy.

It covers:

Bodily Injury Liability:

Liability Coverage is the most important part of your auto policy. Why? Well, you travel around in a huge metal bullet just inches from strangers. Make contact and you’re their worst enemy. Hurting other people’s bodies is much more likely in your car than your house and that’s why auto liability coverage is required by law.

Property Damage Liability:

While an accident may or may not hurt a person, it will almost always hurt whatever was hit. When that’s someone else’s property this part of your policy covers. “No Fault” states complicate this, but liability coverage is important no matter how your state insurance laws are set up.

Un/Underinsured Motorist Coverage:

Some people break the law. Others just carry to lowest possible liability limits required by law. So when those people run into you, it’s a bummer. Fortunately, your Un/Underinsured motorist coverage is there to protect you.

Comprehensive/Collision:

This is what folks call “Full Coverage”. Really, these two items are all about coverage for your car. Comprehensive (sometimes called “Other than Collision”) refers to damage that is not the result of a traditional car accident. Tree limbs falling, garage fires, and impact with an animal fit this category. Collision is a regular old accident. Both have deductibles that you pay before coverage kicks in.

Gap Coverage:

Covers the difference in the value of the car at the time of the accident and the loan you have on the car.

Rental Reimbursement:

Coverage for a rental while your car is being fixed. This only applies if the damage to your car is from a covered accident.

Roadside Assistance:

More and more companies are offering this service as a part of your auto insurance policy.

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[Jandres.gil_]

Thank you so much, you help me with this video keep it up 👍

[amberbartlett]

Having misophonia it’s hard to listen to this video because of the sound he makes when swallowing his saliva and the smacking of his mouth😣 but from what I could listen to this video is informative, just very annoying for someone who shares similar triggers like me